Insurance Journal West 2020-01-27 by Insurance Journal

Is it Covered? Battle over Agency Data

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January 27, 2020 • Vol. 98 No. 2

Contents

News & Markets

Idea Exchange

Special Report

Closer Look: How Parametric Insurance Can Help Fill the Gap Where Traditional Insurance Falls Short

Spotlight: Helping Policyholders Get in Shape for the New Year

P/C Insurers Boosted Underwriting Profit, Surplus in 2019’s First 9 Months Trump Administration Issues New Rule on Joint Employer Liability Recreational Cannabis Impairs Driving Even When Driver Not High: Harvard Research

30 38

2020 Excess, Surplus & Specialty Lines Directory, Vol. I

The Competitive Advantage: Why Traditional Independent Agents, Carriers Need to Partner and Align Now More Than Ever

Tech Talk: The Battle Over Agency Data

Ask the Insurance Recruiter: Compensation Is Your Agency’s #1 Recruiting Tool

Is It Covered?: The Unimpeachable Case of the Word ‘Are’

Closing Quote: 3 Ways to Build a Culture that Embraces New Thinking

Departments 6 Opening Note 6 | INSURANCE JOURNAL | JANUARY 27, 2020

14 Declarations

14 Figures

16 People

19 Business Moves

35 My New Markets

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Opening Note Write the Editor: awells@insurancejournal.com

‘Judicial Hellholes’

his year’s Top 10 Judicial Hellholes are “filled with widespread civil lawsuits, legislative loopholes that create more ways for lawyers to sue, and judges who allow junk science into evidence in trials,” according to the American Tort Reform Foundation. The ATRF organization advocates for civil justice reforms including limits on the award of noneconomic damages, limits on contingent fees paid to attorneys, class action reforms, and appeal bond reform among others. Members of the group include businesses, municipalities and professional and trade associations. The group is often on the other side of these issues from the plaintiffs’ trial bar. The 2019-20 Judicial Hellholes report ranks Philadelphia’s Court of Common Pleas as the No. 1 Judicial Hellhole in the country, due to the large number of mass torts cases inundating this court system and the high-dollar judgments and settlements that result. For example, in October, Johnson & Johnson was hit with an $8 billion verdict involving the medication, Risperdal, which reportedly is the largest verdict from the court in 25 years. (A judge has since reduced that award to $6.8 million.) The report claims that trial lawyers “spend millions of dollars on advertising in the Philadelphia media market to drive up the number of claimants.” The group says this court also has “opened its door to plaintiffs from all over the country” such that 86 percent of the new pharmaceutical suits in Philadelphia are brought by out-ofstate plaintiffs. Philadelphia beat out California’s state courts and legislature as the top hellhole, a title California held last year. But California’s drop to number 2 is not due to any improvement in the state’s liability climate, according to the report, but rather results from the “severity of the new problems plaguing Philadelphia.” New York City, ranked third, is criticized for too many consumer lawsuits and disability act claims against small businesses. Louisiana climbed to number 4 because of the current governor’s “aggressive litigation agenda, the plaintiff-friendly legislature, and inescapable advertising practices by the plaintiffs’ bar.” St. Louis improved its standing with tort reforms in 2005 but is back on the list at number 5 due to it “becoming known for permitting lawyers to combine multiple plaintiffs, sometimes from different states, in toxic tort and pharmaceutical cases. The 2019-2020 top Judicial Hellholes are: 1. Philadelphia Court of Common Pleas 2. California 3. New York City 4. Louisiana 5. St. Louis 6. Georgia 7. Illinois’s Cook, Madison and St. Clair Counties 8. Oklahoma 9. Minnesota Supreme Court and the Twin Cities 10.New Jersey Legislature

Andrea Wells Editor-in-Chief

8 | INSURANCE JOURNAL | JANUARY 27, 2020

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: Daniel Brettler, Timothy Gosnear, Glenn Llopis, Brian Rawlings Columnists: Chris Burand, Mary Newgard, Tom Wetzel, Bill Wilson

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

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Outside the US, call (847) 400-5951 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

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Lexington Insurance and Western World, both AIG companies, are U.S.-based surplus lines insurers. AIG is the marketing name for the worldwide property-casualty, life and retirement, and general insurance operations of American International Group, Inc. For additional information, please visit www.aig.com. Products and services are written or provided by subsidiaries or affiliates of American International Group, Inc. Not all products and services are available in every jurisdiction, and insurance coverage is governed by actual policy language. Certain products and services may be provided by independent third parties. Insurance products may be distributed through affiliated or unaffiliated entities. Surplus lines insurers do not generally participate in state guaranty funds and insureds are therefore not protected by such funds.

News & Markets P/C Insurers Boosted Underwriting Profit, Surplus in 2019’s First 9 Months

he private U.S. property/casualty insurance industry saw its net underwriting gains increase to $5.4 billion in the first nine months of 2019 from $4.7 billion a year earlier, bolstered by growth in premiums and a drop in catastrophe losses. The industry also boosted its surplus to a record high of $812.2 billion, according to data analytics firm Verisk and the American Property Casualty Insurance Association (APCIA). The surplus grew $70.1 billion in the first nine-months of 2019 as the stock market recovered from a significant downturn at the end of 2018. The industry’s net income after taxes and underwriting gains remained strong despite small declines compared with the prior year. Net income after taxes declined to $48.1 billion for nine-months 2019 from $49.4 billion a year earlier, and insurers’ combined ratio deteriorated to 97.8% from 97.4% a year earlier. Net losses and loss adjustment expenses from catastrophes declined to $21.5 billion for nine-months 2019 from $26.0 billion a year earlier. Net written premium growth slowed to 2.7% in nine-months 2019, after jumping 11.4% a year earlier. In both years, growth

was significantly affected by one-time increases in net written premiums caused by the changes multiple insurers made to their reinsurance arrangements in 2018. Net earned premiums grew 4.7%. “The strong economy, along with a drop in catastrophe losses, has helped insurers continue to enjoy strong results and build a record surplus,” said Neil Spector,

president of ISO. “The U.S. property/casualty insurers’ financial results during the first nine months of 2019 paint a picture of a strong industry with a rock-solid foundation that enables consumers to rest assured that they will be protected when they need it most,” said Robert Gordon, senior vice president for policy, research and international, at APCIA.

Third-Quarter Results

Insurers’ net income after taxes fell to $15.3 billion in third-quarter 2019 from $15.4 billion in third-quarter 2018. Their combined ratio improved to 98.8% in third-quarter 2019 from 99.7% a year earlier. Net written premiums rose $9.8 billion, or 6.2%, to $166.2 billion in third-quarter 2019 from $156.5 billion in third-quarter 2018. The contribution of underwriting activities was essentially zero; that is, underwriting had break-even results in third-quarter 2019, which contrasts with a $1.3 billion net underwriting loss in third-quarter 2018. 10 | INSURANCE JOURNAL | JANUARY 27, 2020

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News & Markets Trump Administration Issues New Rule on Joint Employer Liability By Andrew G. Simpson

he Trump Administration has issued a final rule setting standards for determining joint employer status under the Fair Labor Standards Act (FLSA), a rule that has been sought by franchisers and companies that employ contract workers. The new rule from the Department of Labor is a departure from a legal interpretation adopted by the Obama Administration in 2016 and a 2015 ruling by the National Labor Relations Board (NLRB) that expanded joint employment situations and made it easier for workers to sue their employers. The new DOL rule, while not legally binding, guides consideration of whether companies are classified as joint employers of workers and thereby can be held responsible for labor violations including requirements on minimum wage and overtime pay. The rule can affect franchising companies, contractors, temporary staffing, cleaning agencies and

similar firms. The issue has been central to several cases involving McDonald’s, and whether it can be held liable for alleged labor violations in its franchisees’ restaurants. Recently, McDonald’s won a 2-1 victory before the current NLRB — agreeing to pay $170,000 to settle workers’ claims against its franchisees but also winning a ruling that frees it from direct responsibility as a joint employer. The Obama administration had backed worker advocacy groups in the litigation against McDonald’s. The Trump DOL provides a four-factor balancing test for determining FLSA joint employer status in situations where an employee performs work for one employer that simultaneously benefits another entity or individual. The test examines whether the potential joint employer: • Hires or fires the employee; • Supervises and controls the employee’s work schedule or conditions of employment to a substantial degree; • Determines the employee’s rate and method of payment; • Maintains the employee’s employment records.

12 | INSURANCE JOURNAL | JANUARY 27, 2020

A business would not have to meet all of these criteria to be considered a joint employer. The rule also sets forth when additional factors may be relevant to a determination of FLSA joint employer status and identifies certain business models, contractual agreements with the employer, and business practices that do not make joint employer status more or less likely. Writing in the Wall Street Journal, DOL Secretary Eugene Scalia and White House Chief of Staff Mick Mulvaney said the new rule should clarify the situation affecting these relationships and relieve companies of a potential liability. “The new rule also gives companies in traditional contracting and franchising relationships confidence that they can demand certain basic standards from suppliers or franchisees — like effective antiharassment policies and compliance with employment laws — without themselves being deemed the employer of the other company’s workers. That will help companies promote fair working conditions without facing unwarranted regulatory costs,” the Trump

officials wrote. The International Franchise Association (IFA) praised the new rule as a “return to a simple, clear, and thoughtful joint employer standard.” IFA has argued that the Obama standard increased lawsuits against employers, cost jobs and sapped the American economy of $33.3 billion per year. Robert Cresanti, IFA president and CEO, said the four-part test to determine employer status can clarify joint employer status, employer liability, and the roles and responsibilities of each party in a business relationship. Worker groups argue that narrowing the rule creates an incentive for large employers to outsource more jobs. Rebecca Dixon, executive director of the National Employment Law Project, said the rule “makes it easier for corporations to cheat their workers and look the other way when workplace violations occur.” The Economic Policy Institute said workers could lose $1.3 billion in wages annually under the new rule. While the DOL standards are not legally binding, the NLRB joint employer rule is. The NLRB is close to finalizing its own rule. INSURANCEJOURNAL.COM

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Figures $610 Million The amount, plus interest and costs, awarded to Seedorff Masonry, of Strawberry Point, Iowa, in a lawsuit against Archer Western Construction, of Chicago, and its insurer claiming Seedorff hadn’t been paid for labor and limestone it supplied for the Omaha National Cemetery that opened in 2016. U.S. Judge Robert Rossiter Jr. also awarded $138,000 in interest and costs to Seedorff.

$1 Million That’s how much a Hillsboro, Ore., woman is seeking from the ridesharing company Uber, alleging she was sexually assaulted by one of the company’s drivers in 2018. The woman filed a lawsuit against Uber and one of its drivers alleging assault, battery and negligence. The suit seeks $1,025,000 and a jury trial.

Declarations New Gig Law

“California cannot simply eliminate that business model and force truck drivers to be employees.” — That’s according to Gibson Dunn Partner Joshua Lipshutz, who represented NFI Industries’ Cal Cartage Transportation Express, which along with other trucking companies, was sued by the Los Angeles City Attorney for allegedly misclassifying truck drivers as independent contractors following passage of a new gig worker law. A judge ruled this month the new law does not apply to independent truck drivers.

Controlled Substances

“A prescription for a controlled substance is an order for a medication that may be issued only by a physician or other authorized healthcare practitioner. … While pharmacists are highly trained and licensed professionals, they did not attend medical school and are not trained as physicians.” — Lawyers for a series of pharmacy chains argued in federal court filings in Ohio that doctors and other healthcare practitioners who write prescriptions bear 14 | INSURANCE JOURNAL | JANUARY 27, 2020

ultimate responsibility for improper distribution of opioids to patients, not pharmacists. Some Ohio counties have sued the pharmacy chains, alleging they improperly distributed opioids.

Daily Occurrence

“Today is no different than any other day.” — Amanda Crawford, executive director of the Texas Department of Information Resources, said her department sees billions of attempted cyberattacks on any given day, after Gov. Greg Abbott warned that 10,000 attempted attacks per minute from Iran had been detected in 48 hours on state agency networks. Crawford said the state “is being extra vigilant” given recent clashes between the United States and Iran.

Climate Resilience Fund

“In the big picture, something is going to deliver this bad news to the city eventually. Probably it’s thoughtful to say to someone you have value now and you should capture that value.” — John Macomber, a professor at the Harvard Business School who specializes in resilience investment, on the creation of a “resilience fund” by the

town of Surfside, Fla. The small South Florida town started the first-of-its-kind fund to help residents adapt to climate change. The fund will be used for projects like buyouts of residents’ homes, as well helping residents assess the risks of living in the area.

Safety Concerns

“In addition to the multiple, well-documented performance issues with the MBTA, the findings of this report clearly underscore the need for a dedicated long-term revenue stream to ensure not only the reliability, but most importantly the safety of the MBTA.” — Massachusetts House Speaker Robert DeLeo said regarding a report stating the public transportation system in metropolitan Boston needs to improve safety along its network of subways, buses and commuter rail trains. The report was based on the finding of a panel of transit experts hired in June by the Massachusetts Bay Transportation Authority’s fiscal and management control board to review safety on the system after a series of subway car derailments and other safety concerns. INSURANCEJOURNAL.COM

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People National

Philadelphia Insurance Companies,

a commercial property/casualty and professional liability insurer, has promoted Michael Cundiff from vice president to senior vice president of Surety. Cundiff will succeed Ed Titus, who started the surety division in 2011 and will take on the role of executive advisor. Cundiff’s role will expand from overseeing contract surety in PHLY’s Western territory to overseeing the surety division nationwide. He began his career at PHLY with the launch of the surety division in July of 2011. Cundiff and his team in the Western territory started the first PHLY surety regional office in Pasadena, Calif. Once that region was established, Cundiff and Titus initiated the plan to open offices in Seattle and Denver, expanding PHLY’s surety footprint in the West. Prior to joining Philadelphia in 2011, Cundiff’s career included 10 years at Kemper.

East

The Hilb Group LLC (THG) has hired prop-

erty and casualty insurance specialist Beth Berardi and acquired her book of business. The transaction became effective Nov. 21, 2019. Based in Braintree, Mass., Berardi will join the THG New England operations, bringing her

experience specializing in hospitality insurance. Her addition will complement and strengthen THG’s capabilities in the New England region, according to a company press release. THG is a middle market insurance agency headquartered in Richmond, Va., and is a portfolio company of global investment firm, The Carlyle Group.

Gerry Wilson

Plymouth Rock Assurance, an east

coast-based insurance company, announced that Gerry Wilson, president and CEO of Plymouth Rock

Assurance Direct Group, has informed

company leadership of his decision to retire. Wilson has led Plymouth Rock’s New Jersey operations since 2000. During that time, he has fostered its growth into a leading writer in that state, and then in Pennsylvania, according to Jim Stone, CEO of The Plymouth Rock Group of Companies, in the press release. Wilson launched the direct to consumer channel at Plymouth Rock in 2006 and has completed numerous acquisitions, as well as added the Get Home Safe and Car Watch programs

16 | INSURANCE JOURNAL | JANUARY 27, 2020

to Plymouth Rock’s product and service features, Stone said in the release. Wilson plans to remain in his current position until his successor is found, and there is currently a national external search process underway to find a new President and CEO.

AXA XL has added

Senior Underwriters Odette Novoa and Erica Delaney to its Environmental insurance team in New York. Both have joined AXA XL’s Northeast regional environmental underwriting team and report to Hiral Shah, head of Environmental for the East region. Novoa joined AXA XL from Aspen as an underwriter of environmental and casualty lines in both domestic and international markets. She began her insurance career with AON as an account specialist. Delaney joins AXA XL from The Hartford, where she served as a Northeast regional pollution underwriter.

Southeast

Greg Watson

CRC Group has hired Greg Watson as office

president for a new CRC

office in Charlotte, N.C. Watson comes to CRC with more than 10 years of industry experience. He began his career as a personal lines underwriter. The addition of Watson, who is based in Charlotte, allows CRC to open a branch in the city. Over the coming months, CRC will work to further build the CRC Charlotte team.

harvesters; broadcasters business assurance; transportation and bailment contracts. Skelly has worked on production expansion, coordination/leveraging, administrative support, reinsurance, CAT analysis, metrics and specialized development.

Shanna Olsovsky John Skelly

Atlanta-based

Southern Insurance Underwriters has named John Skelly

Commercial Marine Practice leader. In this position, he will direct the planning, development, implementation and maintenance of commercial inland marine operations. Skelly began his insurance career in New York’s financial district, which led to a succession of inland marine roles and assignments spanning the Northeast, Mid-Atlantic and Southwestern U.S., addressing operational, production and management challenges in retail, wholesale and program arenas. His program background includes builders risk/ construction equipment; vacant properties; deductible buy-down; moving and storage; mechanized timber

Insurance Office of America (IOA) has added Shanna N. Olsovsky to its team in

the southwest Florida region as a commercial risk advisor. With more than 15 years of experience, Olsovsky handles all lines of property and casualty insurance, specializing in coverage for commercial property, construction, real estate development and trade contractors as well as personal lines coverage for high net worth individuals and families.

South Central

Alliant Insurance Services has appointed Karey Vaught as

executive vice president and managing director. Based in Houston, Texas, Vaught will provide insurance and risk advisory services to energy and marine clients across the U.S. Vaught joins Alliant with expertise in midstream,

continued on page 18 INSURANCEJOURNAL.COM

People continued from page 16

domestic E&P and oilfield service companies. In addition to his focus on the energy and marine industry, Vaught will work alongside the 11 Alliant Specialty industry verticals. With nearly 25 years of experience, Vaught previously was a managing director at a global insurance brokerage firm. The Independent Insurance Agents of Texas (IIAT) has hired Tara Mitchell as a

director. Mitchell will lead IIAT’s technology initiatives. For the past four years, Mitchell has worked as director of Information Technology Services, vice president of Technology, and chief information officer at the Surplus Lines Stamping Office of Texas (SLTX). Prior to joining SLTX, Mitchell worked in financial regulation for seven years at the Texas Department of Insurance (TDI). Before joining TDI, she was a personal banker with JPMorgan Chase.

Donna Aug

Fire Protection and Northstar Alarm & Suppression System, where she served as controller for 11 years. Prior to this role, she was controller of Sign Tech International for four years. In her new position, Aug is responsible for managing and coordinating SLTX’s Finance Department, which includes responsibility for accounting and financial analysis.

Midwest

St. Louis, Missouribased POWERS

Insurance & Risk Management hired Kathy Pallarito as a

personal lines manager. Pallarito has more than 25 years of sales, customer service and marketing experience in the insurance industry. In her new position, she will assist the company’s producers when pursuing new business avenues, as well as serve all existing clientele. Pallarito will coordinate the personal lines team’s lead generation and marketing efforts, particularly for the company’s Private Client Division. She has experience in the private client insurance field and has previously worked at several other St. Louis agencies.

Donna Aug has joined the Surplus

Lines Stamping Office of Texas (SLTX) as

director of Finance. She joins from Northstar

Timothy Mosler

18 | INSURANCE JOURNAL | JANUARY 27, 2020

Pinnacle Actuarial Resources Inc. in

Bloomington, Ill., has named Tim Mosler as a principal and consulting actuary. Mosler joined Pinnacle in 2014 and has been in the property and casualty insurance industry since 1996. He has been a consultant since 2001, specializing in the areas of medical professional liability, workers’ comp, general liability and commercial automobile insurance. His clients include insurance companies, captives, health systems, self-insurance funds and government risk pools. Mosler previously served as director and consulting actuary and a member of Pinnacle’s executive team. He currently leads Pinnacle’s research function. Mosler will continue to be based in the firm’s Atlanta, Ga.

Rebecca Taylor

J.M. Wilson has added Rebecca Taylor as an accounting assistant in its Portage, Mich., office. Taylor is responsible for supporting the accounting team. Her role includes processing and recording financial transactions for both J.M. Wilson and Cedar Finance Company. She will also be assisting agents and carriers

with their accounting needs. Taylor previously worked in a customer service role in the hotel and hospitality industry.

West

Allied Public Risk LLC, through its Allied

Winery Risk division, has added Gregory Locher to the winery space in the Western U.S. as lead executive of the firm’s property and liability insurance program. The Allied Winery Risk program was designed for wineries and crush facilities in California, Oregon and Washington. Coverages are tailored to the industry and include property, stock, crime, business liability, business auto and excess liability. Allied Public Risk is a national managing general underwriter specializing in select industry segments including public entities, water utilities, emergency services organizations and joint powers authorities. Allied Winery Risk is underwritten from offices in San Francisco and Napa, Calif.

Alliant Insurance Services Inc. has

added Los Angeles, Calif.-based Jennifer Blair to its West Coast employee benefits team. Blair will service an array of organizations across the region. Blair’s background includes employee benefits, human resources, HR

tech and payroll. Prior to joining Alliant, Blair was vice president for Tolman & Wiker Insurance Services LLC. She also has experience in the payroll sector.

Kelly Potter

Preston Cavignac

San Diego, Calif.based Cavignac & Associates has promoted Kelly Potter and Preston Cavignac to principals in the firm. They join Jeff Cavignac, Jim Schabarum, Scott Bedingfield, Patrick Casinelli, Matthew Slakoff and Matthew Noonan in part ownership of the firm. Potter joined Cavignac & Associates in 2007 and serves as an account executive specializing in risk management and insurance for design professionals, nonprofit organizations, schools and restaurants. Preston Cavignac started with Cavignac & Associates in 2011 and serves as an account executive and risk advisor, focusing on real estate, construction, development, manufacturing, hospitality, technology and nonprofit clients. INSURANCEJOURNAL.COM

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News & Markets California Sleep Apnea Company Colorado Couple Will Get $50K Pays $37.5M to Settle Kickback After Dog Housing Lawsuit Lawsuits he U.S. attorney’s

esMed, a San Diego, Calif.-based company that sells sleep apnea machines, will pay $37.5 million to settle allegations that it provided kickbacks to obtain customer referrals, federal prosecutors announced in mid-January. The settlement covers five whistleblower lawsuits filed on behalf of the federal government. The lawsuits say that the company provided free services and equipment to medical equipment suppliers, sleep labs and other health care providers in violation of the federal False Claims Act. “Paying any type of illegal remuneration to induce patient referrals undermines the integrity of our nation’s health care system,” Jody Hunt, head of the U.S. Justice Department’s civil division, said in a statement. “When a patient receives a prescription for a device to treat a health care condition, the patient deserves

to know that the device was selected based on quality of care considerations and not on unlawful payments from equipment manufacturers.” ResMed didn’t acknowledge any wrongdoing in the settlement but agreed to tighten controls on its pricing and sales. In a statement, the company said it settled to avoid “the expense, inconvenience and distraction” of continuing the legal fight. “We have always acted in good faith with patients and our valued customers, and we do not expect this to impact our relationship with either,” the statement said. Copyright 2020 Associated Press.

office has ordered a Colorado homeowner’s association to pay $50,000 to a couple after they violated the Fair Housing Act by failing to allow a woman to stay in the complex with her emotional support dog. A judge approved a consent order resolving the dispute between Creekside Condominium Homeowner’s Association and Creekside owner Jason Neilson and his partner Kirsten Swick. The argument was over whether Swick’s emotional support dog met the association’s criteria for reasonable accommodation against its no-dogs policy, officials said. The order also requires the association to also participate in Fair Housing Act training and adopt new accommodation and animal assistance policies and guidelines, court officials said. The violation started when Neilson and Swick sent a letter in 2016 from a physician to the board stating Swick needed an emotional support

dog as part of her treatment for depression and anxiety, officials said. According to court documents, Swick was denied reasonable accommodation, even after providing further documentation as requested by the board. When attorneys threatened to sue, the board reversed their decision and granted Swick’s request, documents said. The homeowner’s association board had no comment, as board protocol requires its members to meet as a whole before issuing any statement. Neilson and Swick could not be reached for comment. Copyright 2020 Associated Press.

7 Confirmed Tornadoes in Phoenix Metro Area Last Year

he National Weather Service reports there were seven confirmed tornadoes in Arizona’s Maricopa and Pinal counties last year, the most in nearly five decades. Meteorologists say last year’s total is second only to the 10 confirmed tornadoes that hit the Phoenix metro area in 1972.

They say all of the 2019 tornadoes were considered weak, ranking as either F0 or F1 in intensity. But in June 1972, an F2 tornado damaged about 200 homes in Paradise Valley and caused extensive damage to

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canals and power lines in Scottsdale and east Phoenix. The National Weather Service in Phoenix has data on tornadoes going back to 1950. Meteorologists say there were five confirmed tornadoes

in the metro Phoenix area in both 1992 and 1993 with four tornadoes in 1971. Tornadoes are considered a rare event because the Phoenix area generally doesn’t get the wind shear and unstable air mass needed to whip up the twisters. Copyright 2020 Associated Press. INSURANCEJOURNAL.COM

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News & Markets California Insurance Wholesalers Look at Gig Economy Law By Don Jergler

sweeping California gig economy law was the focus of a lot of the talk this year during an annual insurance wholesalers conference. Assembly Bill 5, California’s gig worker law was signed by Gov. Gavin Newsom in September and effective at the first of the year, makes it harder for gig economy companies to qualify their workers as independent contractors rather than employees. The law has had broad labor support, but has lately drawn high-profile criticism and strong opposition. A federal judge earlier this month temporarily blocked the law from impacting over 70,000 independent truckers by granting a “temporary restraining order” sought by trade group California Trucking Association while he considers imposing a permanent injunction. Uber Technologies Inc. and Postmates Inc. have sued the state of California, alleg-

ing the labor rights law is unconstitutional. Under AB 5, which mandates that workers can only be considered contractors if they perform duties outside the usual course of a company’s business, that state has a more straightforward test than a multifactor test that previously existed in California to determine which workers qualify for employee status and the attendant benefits, also known as the Bordello test. “That was a huge gift for organized

labor,” said John Norwood, an industry lobbyist and owner of Norwood Associates, said of AB 5 during the annual California Insurance Wholesalers Association conference in La Jolla, Calif., which ran from Jan. 12 to Jan. 14. CIWA is a California state professional trade association for California insurance wholesalers and those who conduct business in or support the wholesale distribution system.

continued on page W6

CIWA Conference Hit on Array of Topics California has a big year of issues ahead, including passing a massive budget through the Legislature, dealing with the fallout from wildfires in recent years, homelessness, and tackling climate change. Those were among the issues addressed by John Norwood, an industry lobbyist and owner of Norwood Associates, during the annual CIWA conference. The conference covered a range of topics, including employee engagement, employment law and drones. Norwood keyed in on Gov. Gavin Newsom’s 2020-21 state budget proposal of $220 billion, which calls for nearly $1 billion to enhance the state’s emergency response capabilities in order to address wildfires that have plagued the state in recent years. Norwood said he also expects the Legislature to continue to introduce bills aimed at protecting homeowners in high-risk areas, but they are unlikely to W4 | INSURANCE JOURNAL | JANUARY 27, 2020

help bring back insurers who have begun to pullback from these areas over losses. “We’re worried about this group of Legislators putting in more bills that can only make it harder for the insurance industry,” he said. He also blamed the state’s rate-setting law, Proposition 103, for making it harder for insurers to raise rates appropriately and thus continue to write policies in those areas. Norwood talked about California’s new privacy law, the California Privacy Enforcement Act, and an upcoming ballot measure known as the California Privacy Enforcement Act. “Privacy is going to be a big deal,” Norwood said.

Employee Engagement

John Donahue, formerly CEO and president of Topa Insurance Co. and incoming president of M.J. Hall & Company Inc., gave an extensive talk

about employee engagement. He also hosted a panel on that same topic with Devon Borisoff (Monarch E&S), Kristin Jones (AmWINS Access), and Bill Floros (RT Specialty). Donahue discussed his use at Topa of Gallup’s Q12 survey, a popular measure of employee engagement, and improving employee performance and retaining employees. “If you want to affect and retain them, you have to have employee engagement in my opinion,” Donahue said. The panel keyed in on motivating employees. Jones emphasized learning to read and understand employees better, while Floros said giving employees a voice is important. “They do enjoy having a voice,” Floros said. Borisoff agreed. “You keep reminding them over and over that what they’re doing matters,” he said. INSURANCEJOURNAL.COM

News & Markets continued from page W4 The group’s main objective is to represent the interests of members in the regulatory and legislative arena, and to promote the value of the wholesale distribution system and ensure a competitive insurance market for California businesses and consumers.

The group’s next meeting is in Monterey, Calif., from June 13 to June 17. The conference in La Jolla covered a range of issues, including employee engagement, employment law and drones. Norwood’s comments on AB 5 came during a legislative update he gives annually to conference-goers.

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Norwood said that instead of creating a sweeping new law, the state should have found a way to adopt and streamline the more traditionally used ABC test. Some courts use this test look at whether a worker meets three criteria to be considered an independent contractor: A worker is free from employer control or direction in performing the work. The work takes place outside the usual course of the business and offsite. A worker is engaged in an independent trade, occupation, profession, or business. “That’s what they should have done in the first place,” Norwood said. Meanwhile the law not only grows more controversial, but more confusing as opposing sides weigh in on how it should be enforced and interpreted by the courts. “Every day that law and the interpretation of that law is changing,” said Kristi Dean, managing partner in Woodland Hills, Calif.-based Stone Dean Law. Dean’s discussion during the CIWA conference was titled: “Employers Beware! 2020’s Avalanche of Labor Laws Await Us All.” The law passed without the great opposition it’s currently seeing, but as those who will be impacted by it began to realize the law was soon to take effect, more and more parties began to weigh in loudly on AB 5, she said. “I can tell you in the fourth quarter of 2019, all hell broke loose,” Dean said. She noted that AB 5 does have numerous exclusions already built in, including for doctors, lawyers, insurance agents and real estate agents. Trucking is where one of the biggest messes is created by AB 5. Dean has been quite busy helping her trucking clients deal with the law and what it could do to their businesses. She said the law could have “devastating” effects on the trucking industry. She said the new law will also impact gig economy icons like Uber and Lyft, which are based on the business model in which workers are contractors and not employees. “It has changed the industry that we know of in a very significant way,” Dean said. INSURANCEJOURNAL.COM

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Idea Exchange: E&O Matters correspondence too. Back to school. Educate customers so they fully understand their insurance needs and potential exposures, as well as all critical policy terms and exclusions, applicable policy limits, and available optional coverage that would provide them with sufficient protection. At the same time, never exaggerate the extent of a client’s coverage.

What About Your Exposure?

s an insurance agent or broker, you have, above all else, a singular mission: to make certain insureds are By Mark Robinson adequately covered against exposure to loss or, at the very least, to help clients understand their liabilities and how they can best manage risks through insurance. That’s right, an insured’s potential exposure is at the heart of all you do as a producer. But there’s another party’s exposure you should be equally concerned about — yours. No doubt, you have in place a policy of errors and omissions insurance in the event of a claim against you (and if you don’t, what are you waiting for?). But beyond professional liability coverage, there’s a lot you can do to manage E&O exposure, all the while protecting your reputation and customer goodwill.

Pitfalls Aplenty

In the litigation-happy world we live in, there’s a long list of producer missteps that can trigger an E&O claim. You failed to procure the coverage limits requested by a client; forgot to add comprehensive and collision insurance on an auto policy even though the insured asked for full coverage; advised your customer they were covered for earthquake damage, W8 | INSURANCE JOURNAL | JANUARY 27, 2020

yet you never procured a separate EQ policy; didn’t document your file after an insured declined cyber coverage, and that client (which just suffered a data breach) insists you never offered it. If any of the above ring true, put your E&O carrier on notice. Long story short, be it an administrative error or a host of other failures on the part of a producer — the failure to secure appropriate insurance for a client; failure to identify a customer’s exposures due to deficient risk analysis; failure to correctly explain policy terms and coverage limits; failure to convey to an insured changes in policy coverage; failure to submit a claim on a client’s behalf; or failure to send accurate customer information to an insurer — a possible E&O claim is always lurking.

Managing Your Own Risk

In the name of loss prevention and to minimize the chances of staring down the barrel of an E&O claim, it’s prudent to implement the following best practices: Document, document, document. First and foremost, be sure to adequately document your files, especially when an insured declines coverage you’ve recommended. When this is the case, send a confirming email or get it in writing. As a rule, you should not only document your client interactions, you should save all

Due diligence. Carefully review your insureds’ policies to verify they contain the coverage requested. Have customers confirm in writing they’ve received their policies as ordered. And don’t represent that coverage is bound until the insurer has received payment and the relevant policy has been issued. Meet and greet. Confer with clients annually to review their insurance needs and discuss any changes in circumstances or exposures that might require coverage adjustments. When doing so, it may be helpful to use a coverage checklist that references areas of potential exposure. Meet with your carriers at least once a year to stay up-to-date on products you’re selling, as well as ever-changing insurance company procedures. Your employees must be made aware of the latter. Measure twice, cut once. In everything you do on behalf of customers, take your time and be measured, thorough and, most importantly, accurate. Should a claim be filed against you, report it to your E&O carrier immediately so that you don’t jeopardize the defense and indemnity you may be entitled to.

The Takeaway

The benefits of these tried-and-true methods are twofold: you’ll wow your insureds with customer service, and help shield yourself from professional liability. That’s a win-win. Robinson is founding partner of Michelman & Robinson LLP, a national law firm. He is an insurance industry specialist, who primarily represents retail brokers and agents. Phone: (310) 299-5500; Email: mrobinson@mrllp.com. INSURANCEJOURNAL.COM

Business Moves consulting services for individuals and businesses. Since its founding in 2012, WIA has completed 50 acquisitions and serves its customers from 34 offices in 10 states.

Risk Strategies, Gowrie Holdings

National

Bold Penguin, xagent

Bold Penguin, a commercial insurance exchange technology platform launched in 2016, announced it has acquired xagent, an independent, single-entry, multi-quote platform for the standard and surplus lines business insurance market. The company said the xagent technology for agents will be integrated with Bold Penguin’s Exchange, which connects businesses, agents and carriers and allows for the quoting and binding of commercial insurance to happen in hours or minutes versus the traditional methods, which sometimes take weeks. A Bold Penguin spokesperson said the company would keep xagent’s eight employees and add them to its staff of 137. Xagent’s Reston, Va., office will stay open, but now as part of Bold Penguin’s broader operations in Columbus, Ohio.

East

Verisk, FAST

Verisk, a Jersey City, N.J.-headquartered data analytics provider, has signed a definitive agreement to acquire FAST, a privately held software company for the life insurance and annuity industry based in Iselin, N.J. FAST offers a flexible policy administration system that helps insurers accelerate underwriting and claims to enhance the customer experience and support profitable growth. FAST, which stands for Flexible INSURANCEJOURNAL.COM

Architecture, Simplified Technology, provides a SaaS suite of components that life insurers can use to enhance or replace their legacy policy administration systems. FAST software, which is used by a range of life insurers, also provides a channel for Verisk to deliver its analytics to support underwriting. The acquisition of FAST will extend Verisk’s offerings to the life insurance market, said Verisk Chief Operating Officer Mark Anquillare in a company press release. As part of Verisk, FAST will be able to enhance its software, expand its reach and provide analytics to meet the changing needs of life insurers and customers, added FAST CEO Tom Famularo in the release. The purchase price is $193.5 million. The transaction is subject to the completion of customary closing conditions.

World Insurance Associates, J & S Risk Planning Group

World Insurance Associates LLC acquired J & S Risk Planning Group LLC of Wantagh, N.Y., on November 1, 2019. Founded in 2009, J & S Risk Planning Group LLC provides insurance services for the New York and New Jersey metropolitan areas. It offers a variety of insurance products for commercial, personal, group benefits, health and financial clients. World Insurance Associates LLC is headquartered in Tinton Falls, N.J., and is a full-service insurance brokerage providing asset and lifestyle protection with risk management, insurance and benefit

Risk Strategies, a privately held national insurance brokerage and risk management firm, has acquired the two subsidiaries of Gowrie Holdings Inc. The acquisitions include both Gowrie Group, a full-service national specialty retail insurance brokerage with an established leadership reputation for niche insurance programs, as well as Maritime Program Group, a marine-focused managing general agent. Together, Gowrie and MPG are the largest recreational marine insurance specialists in the U.S. Founded by Carter Gowrie in 1974, Gowrie today has more than 80 employees and five offices in the Northeast. The MPG division has more than 60 employees deployed across six offices in the Eastern U.S. In 2016, Risk Strategies acquired Ft. Lauderdale-based marine insurance specialist, Atlass Insurance, and its wholesale group, Atlass Special Risk. As with that acquisition, the purchase of Gowrie Group will add to the capabilities of Risk Strategies’ national private client practice, while MPG will bring scale and specialty capabilities as the firm builds up the offerings of its wholesale and program underwriting operations, One80 Intermediaries. Gowrie Group’s retail insurance brokerage offers customized protections, including several exclusive product and program offerings for marine risks and sailing organizations. This specialized approach is carried over to other offerings for equine risks, non-profits and public safety organizations. Gowrie also offers customized placements for high net worth families and individuals. Gowrie Group also has a specialty employee benefits practice, within which it often supports the particular needs of its marine-focused and private client practices. Maritime Program Group offers a complete suite of recreational, inland and com-

continued on page 20 JANUARY 27, 2020 INSURANCE JOURNAL | 19

Business Moves continued from page 19

mercial ocean marine solutions, as well as private client personal lines to a network of more than 2,000 brokers across the U.S. MPG has a full complement of in-house underwriting programs with domestic carriers, as well as through Lloyds of London as an appointed coverholder.

Midwest

Hub International, Briargate Insurance, Cranbrook Bloomfield Insurance Hub International Limited, based in Chicago, has acquired the assets of Briargate Insurance Services Inc. Based in Chicago Heights, Ill., Briargate Insurance is an independent agency providing employee benefits, personal and commercial insurance, including life insurance, home, property, group health, and more. Mike Ziegler, owner of Briargate Insurance, will join Hub Midwest. A&M Cyber Security2 PRINT.pdf 1 In a separate deal, Hub also acquired the

assets of Cranbrook Bloomfield Insurance Agency (CBIA) LLC in Bloomfield Hills, Mich. CBIA is an independent insurance brokerage providing personal and commercial insurance and employee benefits solutions to individuals and businesses. Agency principals John Williamson and Mark Barrett will join Hub Midwest East. Hub International Limited provides property and casualty, life and health, employee benefits, investment and risk management products and services.

South Central Alera Group, AMCORP

Alera Group, a national employee benefits, property/casualty, retirement services and wealth management firm, has acquired AMCORP, a benefits consulting and financial planning firm located in San Antonio, Texas. 1/7/20 1:20 PM Founded in 1981 and led by Vince

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Zinsmeyer and Craig Zinsmeyer, AMCORP provides benefits consulting and financial planning services to clients throughout the Southwest, using results-oriented strategic planning to help clients succeed. All AMCORP employees will continue operating out of the firm’s existing location under the name AMCORP, an Alera Group Company LLC. Terms of the transaction were not disclosed. Alera Group was formed in early 2017 and is based in Deerfield, Illinois.

Risk Strategies, Academic HealthPlans

National insurance brokerage and risk management firm, Risk Strategies, has acquired Academic HealthPlans Inc., a Grapevine, Texas-based provider of health insurance plans that colleges and universities make available to their students. Terms of the deal were not made public. Building on its 2017 purchase of University Health Plans, Risk Strategies’ acquisition of AHP establishes the firm as the nation’s largest broker of student health insurance plans and related administrative services. Founded in 1998, AHP counts over 150 colleges and universities nationally as clients. Risk Strategies has offices in more than 70 locations nationwide.

Southeast

AssuredPartners, Star and Shield Insurance Services

AssuredPartners, Inc. has acquired Star & Shield Insurance Services located in Tallahassee, Fla. The team of 11 will remain under the operational leadership of Frank Russo and Allyson Olver. The agency currently reports $2 million in annualized revenues. Star & Shield Insurance Services offers an array of insurance options to first responders, their families, friends and neighbors. AssuredPartners President and COO Tom Riley said the move is part of the firm’s plans to increase its presence in the Florida marketplace. Headquartered in Lake Mary, Fla., AssuredPartners, Inc. acquires and invests in insurance brokerage businesses. INSURANCEJOURNAL.COM

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Nautilus Insurance Group products and services are provided through various Surplus Lines insurance company subsidiaries of W. R. Berkley Corporation and offered through licensed Surplus Lines brokers. Not all products and services may be available in all jurisdictions, and the coverage provided by any insurer is subject to the actual terms and conditions of the policies issued. Surplus Lines insurance carriers do not generally participate in state guaranty funds and insureds are therefore not protected by such funds. ÂŠ2020 Nautilus Insurance Group. All rights reserved.

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News & Markets Recreational Cannabis Impairs Driving Even When Driver Not High: Harvard Research

•

worse performance. The study was conducted by McLean Hospital’s Mary Kathryn Dahlgren, PhD; Staci Gruber, PhD; and their team from McLean’s Cognitive and Clinical Neuroimaging Core and the Marijuana Investigations for Neuroscientific Discovery (MIND) program. The study, conducted through driving simulation, concluded that chronic, heavy, recreational marijuana use was associated with worse driving performance in non-intoxicated drivers compared to non-using healthy control participants. Other findings of the study: • Cannabis users had more accidents, drove at higher speeds, and drove

The researchers said the findings may be “reflective of increased impulsivity in those who initiate substance use during adolescence” and recommend further research to explore this association. Recreational cannabis use has expanded across the United States in the last several decades along with public concern about the substance’s impact on activities that present safety issues. While several studies have examined the direct effect of cannabis intoxication on driving, the authors said no other studies until theirs have examined the effects on driving in heavy marijuana users who are not high. Senior author Gruber, along with Dahlgren, used a customized driving simulator to assess the potential impact of cannabis use on driving performance. At the time of study, marijuana users had not used for at least 12 hours and were not intoxicated. Overall, heavy marijuana users demonstrated poorer driving performance as compared to non-users. For example, in the simulated driving exercise, marijuana users hit more pedestrians, exceeded the speed limit more often, made fewer stops at red lights, and made more center line crossings. Gruber said the idea that differences can be detected in sober cannabis users may be surprising to the public. “People who use cannabis don’t necessarily assume that they may drive differently, even when they’re not high,” she said. “We’re not suggesting that everyone who uses cannabis will demonstrate impaired driving, but it’s interesting that in a sample of non-intoxicated participants, there are still differences in those who use cannabis relative to those who don’t.” When researchers divided the marijuana users into groups based on when they started using cannabis, they found that

ecreational cannabis use affects driving ability even when drivers are not intoxicated by marijuana, according to a study from a Harvard Medical School hospital. Published in the Drug and Alcohol Dependence journal, the study “Recreational Cannabis Use Impairs Driving Performance in the Absence of Acute Intoxication,” finds that in addition to chronic, heavy, recreational cannabis use being associated with poorer driving performance in non-intoxicated individuals compared to non-users, the researchers tied earlier onset of marijuana use (under age 16) to

22 | INSURANCE JOURNAL | JANUARY 27, 2020

through more red lights than non-users Earlier onset of marijuana use (regular use prior to age 16) was associated with poorer driving performance

significant driving impairment was detected and completely localized to those who began using marijuana regularly before age 16. “It didn’t surprise us that performance differences on the driving simulator were primarily seen in the early onset group,” Dahlgren said. “Research has consistently shown that early substance use, including the use of cannabis, is associated with poorer cognitive performance.” She added, “What was interesting was when we examined impulsivity in our analyses, most of the differences we saw between cannabis users and healthy controls went away, suggesting that impulsivity may play a role in performance differences.” States where marijuana has been legalized have seen growing public concern that more individuals will drive while intoxicated. But since performance issues can occur even in people who aren’t high, Gruber believes the public needs to rethink the ways it understands impairment. “There’s been a lot of interest in how we can more readily and accurately identify cannabis intoxication at the roadside, but the truth of the matter is that it is critical to assess impairment, regardless of the source or cause,” she said. “It’s important to be mindful that whether someone is acutely intoxicated, or a heavy recreational cannabis user who’s not intoxicated, there may be an impact on driving, but certainly not everyone demonstrates impairment simply as a function of exposure to cannabis. This is especially important to keep in mind given increasing numbers of medical cannabis patients who differ from recreational users with regard to product choice and goal of use.”

This study was jointly sponsored by the MIND research program; the McLean Hospital Rossano Mind, Brain, and Behavior Pre-Doctoral Fellowship; and the National Institute on Drug Abuse. Source: Harvard Medical School INSURANCEJOURNAL.COM

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Closer Look: Parametric How Parametric Insurance Can Help Fill the Gap Where Traditional Insurance Falls Short

lthough parametric solutions have been generally available since the late 1990s, they have more recently By Daniel Brettler and found their way into corporate insurance. Parametric insurance solutions offer a means to guarantee direct payout after a qualifying event Timothy Gosnear and protect against unpredictable but potentially devastating risks in ways traditional insurance packages cannot. These insurance solutions may offer alternatives to funding loss that are not possible with traditional insurance products that indemnify for an actual loss sustained. The basic concept of parametric solutions is quite simple: Traditionally, instead of indemnifying for the actual loss incurred, parametric insurance covers the probability of a predefined event happening (e.g., a major hurricane and 24 | INSURANCE JOURNAL | JANUARY 27, 2020

earthquake), and pays out according to a predefined scheme. Events may refer to an index-based trigger (e.g., crop shortfall) or an event within a defined area (often referred to as a “cat-in-a-box”). Exemplifying the cat-in-a-box concept, a policy might be structured to pay out 50%, 75%, or 100% of a predefined limit for a Category 3, 4, or 5 hurricane, respectively, happening within a 30-mile radius around the client’s point of interest. The notion of “point of interest” is an interesting feature of parametric cat-in-abox solutions. The client defines a “point on the map,” i.e., a longitude-latitude geographical coordinate. Hence, the cover is not limited to the insured’s own locations but can also include infrastructure critical for the client. This provides policyholders with flexibility.

Addressing Coverage Gaps

By addressing gaps in the cover such as non-damage business interruption, normally excluded assets, loss of attraction and prevention costs, parametric solutions complement rather than replace traditional indemnity products. This structure offers benefits beyond expanding coverage. It also reduces com-

plexity from the loss investigation process and provides greater certainty of loss payment recovery compared to traditional insurance products. Therefore, parametric insurance provides customers confidence when it comes to liquidity and speed of payout where predictive loss methods fall short.

Key Policy Differences

For those new to parametric insurance, it is helpful to highlight the key differences between traditional insurance products: Nature of risk. Traditional indemnity insurance reimburses the insured for actual losses incurred. In contrast, parametric covers payout according to pre-defined parameters. Basis risk. Traditional insurance includes deductibles, exclusions and conditions that balance insurer and insured interests. Parametric insurance, on the other hand, determines risk using pre-defined parameters (e.g., selected index), a pay-out matrix and the defined limit. Both types of cover do have a basis risk (i.e., the payout by the insurer does not cover the incurred losses). However, the basis risk tends to be greater for parametric solutions as it requires the

continued on page 26

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Closer Look: Parametric continued from page 24

clients to have an in-depth understanding of their exposure to the peril in question. Hence, if the trigger design is not well aligned with the underlying risk exposure, the insured will suffer a loss net of the insurance payment. Term. Traditional insurance, especially in North America is frequently offered on an annual basis while parametric insurance may be offered on a one year or multi-year arrangement. Structure. Traditional insurance contracts typically have standardized wording. While there may be some customized wordings negotiated, for the most part this is limited. Parametric insurance on the other hand is a customized product with uniquely tailored index and pay-out provisions. This wording is based on each client’s specific needs, ideally aligned with its risk management game plan and the single or multi-trigger nature of the risk. However, parametric wording tends to be much shorter than a standard traditional policy. Payment differences and claims handling. Traditional insurance includes payment triggered by actual loss or damage from an insured peril to a physical asset. Parametric insurance payments are triggered by an event exceeding a parametric threshold, i.e., an earthquake with minimum magnitude of 6.5 in a defined geographic area. While the assessment of actual losses with traditional insurance might be both complex and time-consuming (typically requiring a loss adjuster, which often takes months to years), the payout of parametrics is instead a matter of days. For example, some carriers offer terms to pay out within 20 business days after the event has been reported by the client. To sum up, traditional insurance involves reimbursement of actual loss sustained versus a pre-agreed payment structure based on an event’s index value.

Hypothetical Example

It can be helpful to learn about parametric policies by looking at a hypothetical example. For instance, a pharmaceutical company’s drug manufacturing facility is located along the water of a coastal

U.S. city that has been affected by rising sea levels. The company’s executives are interested in protecting the facility from the potentially devastating impact of rising water levels around the facility but is having a hard time securing traditional coverage from insurers wary of taking on this risk. A parametric insurance policy may be able to fill this gap. Based on data from the National Oceanic and Atmospheric Administration (NOAA), an insurer capable of supplying a parametric policy could set up a triggering event of water rising past a certain level above the “mean sea level,” as defined by NOAA. The pay-out mechanism would be defined by how much the water level rises above a certain threshold. For example, the policy might pay out $2.5 million if water levels reach between 16 and 16.5 feet, $5 million if water levels reach between 16.5 and 17 feet, and $10 million if levels rise above 17 feet. Under these scenarios, the water levels would be measured and reported by a third-party government agency (in this case, NOAA) and the insured would receive the payout immediately upon the ruling.

Parametric Insurance’s Key Elements

Parametric insurance policies contain two key elements: triggering events and pay-out mechanisms. These two elements (described below) define the scope of the policy, pricing, as well as other important terms that dictate the amount of financial reimbursement an insured will receive.

1. A triggering event. The insurance pays

if an event (e.g., hurricane, earthquake) hits the defined trigger level for the index/measurement reflecting the peril in question. The index in question needs to reflect the exposure of the client. An independent, third party data source, providing the relevant information, is a crucial requirement for the parametric cover as

the entire payout is based on this data. Hence, the objectivity and reliability of this source (also in case of a major event) is paramount. If we consider an earthquake event, the United States Geological Survey (USGS) earthquake magnitude indices would be such a source. Typically, a triggering event might be a hurricane, flood or earthquake where the parameter or index is the wind speed, precipitation or magnitude of the quake. Catastrophe loss such as these are clear triggers but by no means the only ones used to fashion coverage. Other possible triggers often cited include crop yield, power outage, stock market indices or economic damages hitting municipalities due to event shortfalls in a supply chain. All events must be fortuitous and quantifiable to be able to model them.

2. A pay-out mechanism. The pay-out mechanism defines what happens in the case of an event meeting or exceeding the defined threshold, i.e., they determine how much money is paid out to the insured. Consider the recent magnitude 7.1 earthquake that occurred on July 5 in a defined geographical area of California. Say the pre-agreed pay-out parameter was 100% of the limit for magnitude 7.0 or greater. In this scenario, the policyholder would receive a 100% payout in this hypothetical example. The idea is that a threshold may be set to align with a company’s own business continuity plan and risk tolerance. For example, a company may know that with the risk mitigation measures currently in place, its business can sustain the effects of a magnitude 7.0 earthquake in the prior example. Above that magnitude, the company would require alternative risk transfer solutions. In short, parametric insurance allows management to better align its risk management goals with its continued on page 28

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Weâ&#x20AC;&#x2122;re more than your partner, we are on your team. At AmWINS, everything we do is for the single purpose of supporting our retail and market clients. As a dedicated partner to retailers globally, we work with you to solve complex insurance placements through industry specialization, market knowledge, data analytics and a commitment to service.

Closer Look: Parametric continued from page 26 overall financial objectives. One of the most compelling aspects of parametric solutions is the clarity around these payouts. Claims are resolved much faster and without dispute. Contrast that with a complex insurance claim on a traditional policy, which may take a long time to adjust and be paid, due to the need to develop claim details and financial components as well as address issues like valuation and other conditions.

Current Landscape for Parametric Cover

The first parametric products have been around since the late-1990s and were developed by commodities traders as well as energy companies. Companies like AXA, Swiss Re and Munich Re entered the parametric space in the early 2000s. More recently as interest has grown, some of these companies have invested in parametric-focused teams to focus solely on crafting and pricing index-based solutions. Currently, parametric insurance solutions are mostly used in the reinsurance space around catastrophe risks, but they have started to be used in other sectors such as aviation, special events and projects to protect against pure financial losses resulting from forces outside of an insured’s control. Of course, more traditional situations covering specific physical assets or property exposed to a pre-defined event, like agricultural, retail, agribusiness, energy, food & beverage, construction, transportation or industrial sectors, remain attractive to companies seeking an indexed approach. In fact, parametric insurance remains especially attractive to a company with more balance sheet risk than traditional insurance can alone address or in a cost-effective manner. The goal of such enterprises is to utilize a parametric approach to mitigate the liquidity risk of a traditional insurance contract. Insurance buyers considering a parametric solution face a number of challenges that must be reconciled before moving forward. The data demands of parametric solutions are different than for

traditional insurance and since the cover tends to be wider, it may be more expensive. Therefore, a buyer must have a strong understanding of the organization’s business model and must be able to develop financial details and significant amounts of data to ensure that the approach will benefit the organization. Feedback from carriers suggests that more and more customers, especially insureds with more complex liquidity risks, are making more inquiries about parametric solutions. Since both available data and the accuracy of modelling is improving, these solutions become efficient for sophisticated companies. Parametric policies are also rising in popularity among carriers considering the virtual elimination of the claims handling process, which also presents significant cost savings to the insurer. The predetermined trigger and pay-out mechanism create a situation where it is crystal clear whether or not a company will receive payment and exactly how much is owed. Along these lines, insureds are paid much more quickly when there is limited necessary discovery or claims adjusting.

The Role of Brokers

While the claims handling process becomes much more streamlined after the policy is secured, companies considering parametric insurance policies will likely need assistance in the early planning stages of acquiring a policy. These companies will need to ensure that the triggering event and payout mechanisms are clearly defined and articulated in the policy. Without firm language on what constitutes a triggering event and how much exactly

will be paid, companies risk leaving coverage gaps in their policy that could leave them on the hook for devastating losses. Insurance brokers play a particularly important role in establishing and enforcing a robust process when it comes to purchasing a policy. This process goes far beyond that of traditional products, as parametric insurance is often a new product for purchasing companies. Insurance brokers that are able to truly understand the details of the product and its pros and cons for the policyholder can act as a trusted adviser to clients. Brokers can also play a role in reviewing and understanding traditional covers and identifying gaps which might be filled with a parametric offering, identifying key loss drivers and selecting and managing insurance carriers on behalf of clients. Additionally, brokers should play an important role in identifying relevant data sources to set up an index appropriate to the exposures or coverage needs of the policyholder, especially for non-traditional risks. Aside from some additional work upfront, the obvious benefits of parametric insurance will likely lead to continued growing adoption of these coverages. But before securing a parametric policy for themselves, businesses are wise to consult an insurance broker knowledgeable about the intricacies of these innovative products. Insurance brokers experienced in parametric insurance policies will also be able to parse through complex policy language to ensure an organization’s coverage needs are met. They can also assess a company’s existing coverage and offer guidance in terms of where a parametric insurance policy could fill in coverage gaps or provide an extra layer of coverage. Brettler is a managing director, Life Science and Technology co-practice leader, and Gosnear is a managing director and senior vice president in Major Accounts, both of the firm Conner Strong & Buckelew in Camden, N.J. Emails: dbrettler@connerstrong.com; tgosnear@connerstrong.com.

Cheers!

We’ve Got You Covered

Many bar owners are unaware that their standard General Liability Policy does not cover claims stemming from the service of alcohol. Yet, most state laws hold licensed businesses liable for the injury or death of bar patrons and for injury to third parties caused by patrons impaired by alcohol served at the bar. Golden Bear’s Liquor Liability Policy provides restaurant, bar, tavern and lounge owners the liability and defense coverage they need for the risks associated with the sale of alcohol.

• Available in most states • Rated A- (Excellent) by A.M. Best Company • Options available for Assault and Battery coverage

Ask your wholesale broker for a Golden Bear quote today. For more information visit www.goldenbear.com.

We’ve Got You Covered • Restaurant • Bar • Tavern • Lounge

Spotlight: Fitness

New Year’s Resolution:

Helping Policyholders Get in Shape for the New Year

s individuals, one way that we resolve to get in shape for the new year is by signing up for gym memberships and fitness classes. In that spirit, agents and brokers should resolve to help their policyholders get their facilities in By Brian Rawlings shape in terms of risk management. As an insurer of fitness clubs, FITLIFE works with gym owners to help them make sure their facilities are prepared

for January’s onslaught of customers. We recommend that they review a number of things including: having their equipment assessed by a professional, checking for tripping hazards like loose electrical cords, and reviewing new fitness classes to make sure they are a covered risk — just to name a few. But this time of year presents an opportunity for more than just fitness club owners to get their facilities in shape. The new year also presents a good opportunity for agents and brokers to propose a policy checkup and risk assessment to

30 | INSURANCE JOURNAL | JANUARY 27, 2020

any policyholder — regardless of the business they are in.

Focusing on Fitness

With a new decade on the horizon, New Year’s resolutions this time around may carry more weight. A new decade signifies a time of change for many, and this change may bring increased motivation to make improvements — whether that means in the gym, in business or elsewhere. As of 2018, the second most popular New Year’s resolution was to get in shape, according to Statista, with 45% of respondents setting that as their

goal. A survey by NPR in the same year found that, of the respondents that planned to make a New Year’s resolution, the most popular commitment was to exercise more and the third was to lose weight. That is great news for fitness centers, but they may need to prepare themselves for increased traffic. There are several steps agents and brokers can encourage their fitness club clients to take to minimize risk and keep their members safe.

Regularly check equipment. A 2017 study by the

International Health, Racquet & INSURANCEJOURNAL.COM

Sportsclub Association (IHRSA) found that working out with gym equipment was the primary activity at health clubs for members, with more than half using cardio equipment or weights. Managers must keep a consistent eye on their equipment to make sure everything is running smoothly. If any exercise machine breaks or malfunctions, this could lead to injury for clients and significant liabilities for the business. Gym managers can mitigate this risk by regularly checking their equipment and making sure all machines are operating properly and aren’t exhibiting concerning signs of wear and tear. If there are any clear signs, then they should make replacing or repairing the equipment a priority.

Carefully examine hazards.

Agents and brokers already know that slips and falls are a frequent source of claims against businesses. Owners should carefully check for loose electrical cords and cables on the gym floor and in locker rooms and ensure anything that could be a tripping hazard is hidden or moved out of the away. In pool areas and in locker rooms, staff must regularly dry any wet surfaces and properly mark any areas that may be wet. Business owners should take the time to prepare for winter weather and speak with their building manager if they are a tenant to understand what their responsibilities are to keep areas clear and safe.

Reassess staff and provide thorough training.

Gyms may opt to boost staff INSURANCEJOURNAL.COM

for the beginning of the year so they can manage the increased traffic in their facilities. If so, it’s important to take the time to provide thorough training. Even temporary employees require in-depth training and knowledge of the facility so business can run as smoothly as possible. Additionally, a lull during the holiday season can lead to employee complacency. Managers should ensure their staff is properly motivated and stay vigilant even during the holiday season when business may be slower.

There are several steps agents and brokers can encourage their fitness club clients to take to minimize risk and keep their members safe. Assess the risk of new offerings. New crowds can

bring about the opportunity for gyms and fitness centers to add new classes and programs to their repertoires. Before doing so, management should take the time to consider

the risks. For example, data from fitness company ClassPass indicates the fastest growing trend in fitness is currently Megaformer Pilates. If a fitness center decides to try to capitalize on this trend, then it would be a good idea to examine the potential risk related to the new equipment. Insurers should be a part of this conversation.

A Solid Approach for All

Much like at renewal time, the new year is a good reminder for agents and brokers to propose insurance checkups and risk assessments with their policyholders no matter their line of business. And, many of the same steps are noted above for fitness facility policyholders. • Checking equipment — whether it’s a treadmill, cash register, or a manufacturing machine — it is critical to helping a business avoid costly surprises or business downtime during the year. • Examining the premises for hazards is also key to help business owners to protect their employ-

ees and patrons from injuries related to slips and falls on wet bathroom floors or icy patches in the parking lot. • Refreshing staff training on issues from customer service to cyber risk awareness, can help a business run smoothly without interruption and keep happy customers coming back. • Finally, just as mentioned above, assessing new risk exposures related to new products, services or other offerings can help a business avoid future financial challenges related to uncovered losses. It should go without saying that in addition to these risk assessment conversations, agents and brokers should use this time of year to review their policies with their clients. The policyholder’s needs have likely changed since you last spoke. As we near the start of a new decade, many agents and brokers will no doubt, be part of this influx of customers heading to the gym. As they work on a fresh start in health and wellness, they would be wise to keep in mind that the new decade also presents an opportunity for their clients to start anew. Here, agents and brokers can play a key role — working with their policyholders and helping them to ensure their businesses are prepared and protected for the year and decade ahead. Rawlings is practice leader for FITLIFE, which insures fitness facilities, health clubs and spas, for Venture Programs. Phone: 800-282-6247 ext.323. Email: brawlings@ventureprograms. com.

JANUARY 27, 2020 INSURANCE JOURNAL | 31

Idea Exchange: The Competitive Advantage Why Traditional Independent Agents, Carriers Need to Partner and Align Now More Than Ever

gencies and carriers need to align now more than ever. I will add a condition to this statement: Quality By Chris Burand independent agencies and quality carriers need to align now more than ever if they are to thrive. Unfortunately, I don't have a solution for agencies and carriers of inadequate quality. The failure of quality carriers and agencies to truly align their interests to achieve reduced expenses for both will likely be the ruin of a majority of them. “United we stand, divided we fall,” has never been more true. Yet, I see agencies and carriers further apart than at any time in my lengthy

32 | INSURANCE JOURNAL | JANUARY 27, 2020

experience. Both sides are to blame and both sides have taken actions to injure the relationship. More importantly, both sides have acquiesced and been too passive, which has caused far more damage than specific actions. Ignorance on both sides regarding the tremendous effects new technology will have on the industry has also contributed significantly. The result of this schism is a model that generates too little growth at too high a price. The facts are indisputable and clear. The top carriers are growing so much faster, and often at much higher profit margins than their competitors. One carrier even has a five-year operating ratio of roughly 80%. This is versus an industry average, including reinsurance, of 90.2%. And they are growing faster, too. I will put this growth ratio into context. Two

carriers are already so large and growing so fast that between them, they grew $9.7 billion in premiums in 2018. In the entire industry of approximately 900 carriers, only 13 carriers have reached $9 billion in total premiums. In fact, the bottom 300 carriers, collectively, do not even write $9 billion in premiums. The entire industry grew $30 billion on a direct basis last year (2018) and $60 billion on a net basis, the fastest growth rate in a long time due to specific carriers foregoing large amounts of reinsurance resulting in higher net premium growth. (All industry data provided by A.M. Best). Usually the growth rate is around $20 billion. These two carriers accounted for almost one-third of all growth, and at this growth rate, are effectively putting dozens and dozens of carriers out of business annually. The only reason the carrier ranks are not shrinking faster is these companies are taking a little business from lots and lots of companies creating a death by a thousand cuts rather than one swift beheading. Some carriers may think they’re doing better than they are because exposure increases in this historic economy, rate increases, and even bad data systems all hide the full effects. Many people have commented that these two carriers are for the most part taking business from direct carriers, which is largely true because direct carriers have the lion’s share of business. It is a moot point, however, because their success is not limited to, nor will it be limited to, just taking business from captives and direct writers. Once they put those competitors out of business., they will go after every other carrier too. FYI, some of the direct writers from whom they are taking business are still growing while many independent agency companies are not growing, so don’t look at the averages, look at the actual carriers, and when I share this granular data with clients, the shock is often jaw dropping. The end result is not inevitable, but INSURANCEJOURNAL.COM

my analytics, experience and discussions, most carriers need some combination of lower expenses, lower new business acquisition costs, and more organic growth. High quality predictive modeling takes care of liability lines loss ratios as long as carriers do not get greedy.

3. Share your API’s and other access points. I have

action must be taken now and will only succeed if independent agency carriers and agents will work more closely together. Below is my recipe for success by party.

tremendous empathy with carriers inundated with so many vendors requesting access to your API’s. This has to be horribly frustrating. Create a decision tree relative to who is worthy of your API’s. One of my suggested criteria is to share your API’s with vendors/agencies that do not create a commodity of what you bring. Given the industry’s history, it is

very easy to think that every rating system, as only one example, will commoditize your offerings. However, there are a few new systems that let each company shine where they deserve to shine, that being where their underwriting, product quality, and rates align with consumers’ needs.

4. Improve your technology. Obviously,

improving your own technology is crucial and is far easier to say than to do with many carriers’ systems going back to 1960. Upgrading to 2020 technology will cost millions and temporarily increase expense ratios necessitating expense savings elsewhere. Beyond regular IT system upgrades though, consider the other modular technology designed to improve data gathering, underwriting, and claims. My rough estimate is that carriers can most likely save four expense points, at the very least, while obtaining better growth

continued on page 34

Carriers 1. Pay for results that align with your true needs rather than volume. Paying

for straight volume without growth, better loss ratios or lower new business acquisition costs is nonsensical. Doing so is possibly one of the most ill-advised decisions ever made. Perhaps the original reasoning was that with massive volume, new business acquisition costs will be less, but that is usually not the case. Some very good agency exceptions exist, but they too deserve to be paid more commissions due to their success aligning with carriers’ needs. The reason aggregation/consolidation does not cut costs is because so many of the players sell out or join an aggregator so they do not have to perform and can shotgun every market with every submission or renewal. The assumption that, without conditions, lower acquisition/servicing cost results will be achieved is a good example of a faulty conclusion. The current situation only encourages more lazy growth at high expense.

2. Pay for what you need. Based upon Frenkel Psychoanalysis Ad.indd 2

INSURANCEJOURNAL.COM

1/13/20 10:34 AM

JANUARY 27, 2020 INSURANCE JOURNAL | 33

Idea Exchange: The Competitive Advantage continued from page 33 and relationships with agencies that have a future. Some of the agencies that don’t really want to invest in their futures, even some large ones, will be upset. The key to any relationship is that the partners have to move in unison. Carriers need agencies that will invest in the future and some agencies refuse to do so, a de facto divorce has to occur.

‘United we stand, divided we fall’ has never been more true. Agents 1. Carriers, at least most, are not trying to disintermediate you for fun.

They have no choice given the success of some specific competitors. If they do not grow more quickly, meaning if you do not increase your own growth, they will go out of business. To grow faster, carriers have to cut their expenses. Cutting expenses is not synonymous with cutting commissions. One of the best companies I know pays high commissions but has relatively good expense ratios.

2. A key to alignment is representing carriers that have a future, representing fewer carriers, and improving the agency’s loss ratio along with the agency’s hit ratio for its carriers. Smart carriers

are already tracking hit ratios because the cost of misses is so expensive. The cost of misses for agencies is expensive too. The

34 | INSURANCE JOURNAL | JANUARY 27, 2020

Best Practices Study for years published the correlation between agencies that represent fewer carriers and the realization of higher growth and profit. This is an awesome place for agencies to align with good carriers.

for a long time enabling both parties to avoid being more expense conscious and to not push

3. Understand your carriers and their potential futures. Not every carrier has

a future with traditional independent agents. Don’t go down with a sinking ship. I work with many insurance distributors, large and small, to help them identify carriers with bright futures and those that may have too many limitations to survive. Knowing, factually, the difference and building strategically upon that knowledge makes for far better agency futures.

4. If you already perform well with higher growth and lower costs, improve whatever it is your carriers want in order for you to be able to negotiate commensurate compensation increases. Good alignment saves huge amounts of money. The reason this strategy is not more obvious is because no line item exists on income statements showing, “Cost of poor alignment with agencies/companies.” One has to do some work. This industry has been adequately rich

growth as a mandate, more of a wishful thinking goal. The success of just a few carriers has changed the profit math. When some carriers are growing by $10 billion per year, the competition does not have much time to get their houses in order. Agencies and carriers need to plan strategically and tactically now. Burand is the founder and owner of Burand & Associates LLC based in Pueblo, Colo. Phone: 719-4853868. E-mail: chris@burand-associates.com.

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My New Markets Jewish Community Center

Market Detail: The Redwoods Group (red-

woodsgroup.com) began insuring Jewish community centers in 2006 is the only mission-aligned insurance partner serving JCCs, Jewish federations and Jewish camps. The Redwoods Group offers JCCs the following lines of coverage: general liability; abuse & molestation; property; auto; excess; workers’ compensation; directors & officers/EPLI; and cyber. Redwoods does not have an agent appointment process and will work with any agent. No minimum premium and any JCC is eligible. Available limits: As needed Carrier: Crum & Forster States: All states Contact: Bryce Little at 919-469-7367 or e-mail: blittle@redwoodsgroup.com

APD & MTC Program with International License & Venture Capacity

Market Detail: RMGA www.rmgains.com has a new APD and MTC program in Texas offering capacity on the following lines of business: auto physical damage coverage including acceptance of international license; motor truck cargo coverage including acceptance of international license. Available limits: Minimum $500,000 Carrier: American Southern Insurance Co. States: Texas only Contact: Homero Garcia at 956-433-3983 or e-mail: homero@rmgains.com

Aviation

Market Detail: Sunset Aviation Insurance Services, Inc. (www.sunsetaviationinsurance.com) is a U.S. aviation insurance brokerage. Coverages include: airport general liability; aircraft hull & Liability; product &

INSURANCEJOURNAL.COM

complete operations; fixed base operators; workers’ compensation; commercial auto & equipment; hangarkeepers liability; management liability; excess liability. Aviation specialties include: airplanes, drones, helicopters, and jets. Available limits: As needed Carrier: Unable to disclose, admitted States: All states Contact: Benjamin Peterson at 310-4533355 or e-mail: ben@sunsetais.com

Truckers Workers' Compensation

Market Detail: Central Specialty Risk (www.centralspecialtyrisk.com) offers both traditional workers compensation and industry specific PEO programs for trucking companies and others in the transportation industry. Available Limits: Minimum $1,000 Carrier: Various, admitted States: All states Contact: Harley Gambrell at 855-965-0078 or e-mail: harley@centralspecialtyrisk.com

Parametric Earthquake

Market Detail: Jumpstart ( www.jumpstartrecovery.com) helps clients recover from a large earthquake with parametric insurance that offers a lump-sum payment right away, with no deductible or itemized receipts. Currently offered with a $10,000 limit. Coverage can provide a partial deductible buy-down for homeowner, small business, or apartment owner clients who already buy quake coverage. Each adult at a given address can purchase their own $10,000 limit policy. Offers an affordable first layer of coverage for homeowner, apartment owner, or small business clients who decline conventional quake cover. Apartment owners can buy a $10,000 limit for each unit. A source of immediate liquidity for HOAs to minimize post-quake assessments to unit-owners. Bindable quote with ZIP code only. Available limits: Minimum $10,000, $10,000 maximum Carrier: Lloyd’s of London States: Calif. only Contact: Dee Pearson at 510-891-1753 or e-mail: info@

jumpstartrecovery.com

Flood FLEX - Flood Coverage Enhancement

Market Detail: AmWINS Group Inc.’s (www.amwins.com) FloodFLEX is a coverage enhancement that increases the loss payable under Coverage A – Building Coverage of a commercial or residential building flood policy by 10%, 25%, 50% or even 100%. The insured receives one payment to the building and a second FloodFlex payment to be used at the insured’s discretion for any purpose, such as evacuation expenses, increased cost of construction, or the deductible. This program is managed by The Flood Insurance Agency (TFIA), an AmWINS Group Company. Program features include: First dollar primary building/contents coverage available up to $10 million for properties located in A, X, and V zones including almost all coastal properties; Deductibles of $5,000, $50,000, $100,000, $250,000, and $500,000 available; rate-lock feature that provides insured with options to lock in pricing for up to 3 years, regardless of losses incurred during that time; certified lender compliant. There is no minimum premium, but there is a minimum earned premium provision tied closely to a seasonal flooding calendar that penalizes those who cancel policies after being insured through the worst of flooding season. Available limits: As needed Carrier: Unable to disclose States: All states except N.Y. Contact: Eric Weber at 352-363-6645 or e-mail: eweber@thefloodinsuranceagency. com

This section brought to you by Insurance Journal's sister website:

www.mynewmarkets.com

Need a Market? Find It. FAST JANUARY 27, 2020 INSURANCE JOURNAL | 35

Idea Exchange: Tech Talk The Battle Over Agency Data By Tom Wetzel

ew regulations, insurer pressure and growing consumer alarm about online security will force agents to act this year to protect their data from unfettered use by third-party vendors. The NAIC Insurance Data Security Model Law has already been adopted in eight states with more expected this year. Insurers are sounding the alarm by pushing agents to take further steps to strengthen their privacy and security policies and make certain their vendors match it. Finally, a survey last November by Pew Research Center shows 81% of the public say that the potential risks they face because of data collection outweigh the benefits. Clearly, this is one issue agents can’t put off. A lot of attention has been paid to the California Consumer Privacy Act (CCPA), which went into effect Jan. 1. Vendors have been scrambling to comply, which is why most of us are seeing emails from many of them announcing updates to their terms of service, particularly their privacy policies. The primary goal of CCPA is to help consumers understand what information is collected and how it’s used in order to make better choices on whether to use a service. CCPA contains loopholes, however, according to Mary Stone Ross, a nationally recognized expert in consumer privacy, cybersecurity and data. Ross says companies can still collect data, photos and emails; however, they

36 | INSURANCE JOURNAL | JANUARY 27, 2020

now must tell consumers when asked what they’re collecting and delete it when requested. Companies can still deny such a request for certain reasons (to complete a financial transaction or protect against fraud) and can’t legally sell that data if you tell them not to. If they sell it anyway, however, a consumer can’t sue, Ross notes. For agents, the NAIC model law raises the stakes. The law seeks to establish data security standards for regulators and insurers in order to mitigate the potential damage of a data breach. The law covers agents as well, however and phases in requirements for compliance with the information security program and oversight of third-party service providers. Every app and digital tool agents use collects data. Many, if not most, freely share that data with third parties and some sell it. Most people understand that posting something to Facebook or searching on Google is tracked. When searching for products online to purchase, ads for those items appear the next time a consumer jumps online. Or when placing an order online for an item, ads for related items appear. There is a value to that. Given the critical nature of agency data, agents must be hyper-vigilant of the outside services they choose to use and to understand their

privacy, security and data-sharing policies in detail. That’s the message many insurers are sending out to agents. Consumers will reward agents that recognize their concerns over data security and take action now as will insurers in addressing their concerns. Agents should do the following: • Review the privacy statements of all third-party vendors, many of which allow the service to share data with unknown partners and, in a legal sense, assume your data is theirs to do what they wish. Choose vendors that stipu late in writing that they will not sell, rent or otherwise share both your personal and marketing data with third parties. • Be prepared to answer insurer concerns about what your agency is doing to protect your data’s security and privacy and provide details on the steps you have already taken and will take to safeguard that data. • After completing steps one and two, promote your actions to clients with this message — that you take their concerns on data-sharing seriously. Wetzel is CEO of Thomas H. Wetzel & Associates, an insurance marketing firm for independent agents. Website: www.wetzelandassociates.com. Email: twetzel@wetzelandassociates.com. INSURANCEJOURNAL.COM

elcome to Insurance Journal’s 2020 National Directory of Excess, Surplus and Specialty Markets, Volume II. This exclusive biannual market directory has been designed to assist independent agents and brokers in the task of placing difficult or unusual risks. For ease-of-use, the directory utilizes a convenient “color-coded legend” to highlight the availability of markets by IJ’s five geographic regions — East, Midwest, Southeast, South Central and West. The corresponding states for each region are listed below. Inside the directory and underneath each market listing, five distinct colors represent IJ’s five regions. Those colors (Dark Blue ■ East, Light Blue ■ Midwest, Green ■ Southeast, Orange ■ South Central, and Red ■ West) indicate whether or not the market is available in your area of the country. The “color-coded legend” has been placed at the top of every directory page for easy reference.

All market listings have been updated with the most current information available provided directly by intermediaries and carriers. As always, the directory lists the markets categorically by broad coverage groups. Italicized company names represent companies offering binding authority. To find complete contact information for all companies listed in this directory, see page 61. IJ’s 2020 National Directory of Excess, Surplus and Specialty Markets can also be found on our Web site at: www.insurance journal.com/directories. To submit a listing, visit the online directory, or e-mail Kristine Honey at: khoney@insurancejournal.com. We hope you find this directory to be a valuable resource when trying to insure hard-to-place accounts. Feel free to send us comments and suggestions, or for additional help using this directory, e-mail: editorial@insurancejournal.com.

East

Midwest

Southeast

South Central

West

Connecticut Delaware Maine Maryland Massachusetts New Hampshire New Jersey New York Pennsylvania Rhode Island Vermont Virginia

Illinois Indiana Iowa Kansas Michigan Minnesota Missouri Nebraska North Dakota Ohio South Dakota Wisconsin

Alabama Florida Georgia Kentucky Mississippi North Carolina South Carolina Tennessee West Virginia

Arkansas Louisiana Oklahoma Texas

Alaska Arizona California Colorado Hawaii Idaho Montana Nevada New Mexico Oregon Utah Washington Wyoming

38 | INSURANCE JOURNAL January 27, 2020

www.insurancejournal.com

Legend: ■ East ■ Midwest ■ Southeast ■ Texas/South Central ■ West ■ Not Available (Italicized companies offer binding authority.)

Abuse/Molestation Legal Expense Abuse/Molestation Legal Expense

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

All Solutions PBS LLC Charity First Insurance Services Inc. Irwin Siegel Agency McLeckie Insurance Group Negley Associates Sports & Fitness Insurance Corporation (SFIC)

Accident & Sickness/AD&D Excess Disability

■ ■ ■.■ ■. Ascinsure Specialty Risk ■ ■ ■.■ ■. Gorst & Compass Insurance ■ ■ ■.■ ■. Monarch E&S Insurance Services

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Musical Instrument Floaters

Commercial Auto Liab. (Misc./Special Purpose)

Collectibles: Dolls, Toys, Figurines ■ ■ ■.■ ■. MiniCo Insurance Agency LLC ■ ■ ■.■ ■. Monarch E&S Insurance Services

Fine Arts Floaters (High Value)

Paramount General Agency Risk Strategies RockLake Insurance Group Inc. Southern Insurance Underwriters Inc. CMGA Specialty Insurance Managers Inc. Specialty Risk Associates Inc. Transportation Risk Underwriters Western Surplus Lines Agency Inc.

Medical & Health Ins. for Businesses

Auto - Commercial Ambulances

■ ■ ■.■ ■. Pacific Gateway Insurance Agency ■ ■ ■.■ ■. Worldwide Facilities LLC

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Occupational Accident (Primary XS Indemnity)

Armored Car Service

Commercial Auto Liability & Physical Damage

■ ■ ■.■ ■. Hyers and Associates Inc.

■ ■ ■.■ ■. Hyers and Associates Inc. ■ ■ ■.■ ■. Sports & Fitness Insurance Corporation (SFIC) ■ ■ ■.■ ■. Hyers and Associates Inc. ■ ■ ■.■ ■. Midlands Management Corp.

Occupational Accident Insurance

■ ■ ■.■ ■. Hyers and Associates Inc. ■ ■ ■.■ ■. RockLake Insurance Group Inc.

Professional Athlete Disability ■ ■ ■.■ ■. Exceptional Risk Advisors LLC

Professional Athletes (AD&D) ■ ■ ■.■ ■. Exceptional Risk Advisors LLC

Student Accident

Youth Sports Programs

■ ■ ■.■ ■. CapSpecialty ■ ■ ■.■ ■. Sports & Fitness Insurance Corporation (SFIC)

Agri-Business Equipment Dealers

■ ■ ■.■ ■. Global Special Risks ■ ■ ■ ■ ■ Philadelphia Insurance Companies ■ ■ ■.■ ■. Virtue Risk Partners LLC

Farm Stores

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Agricultural Insurance Mgmt Services Philadelphia Insurance Companies Tejas American General Agency Virtue Risk Partners LLC

■ ■ ■.■ ■. Pacific Gateway Insurance Agency ■ ■ ■.■ ■. Worldwide Facilities LLC

Auto Body & Paint Shops ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Auto Leasing Contingent Liability Phys Damage ■ ■ ■.■ ■. Worldwide Facilities LLC

Auto Parts Stores

■ ■ ■.■ ■. Risk Theory LLC ■ ■ ■.■ ■. Worldwide Facilities LLC

Auto Repair Shops

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Fertilizer Distributors

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Global Special Risks Philadelphia Insurance Companies R-T Specialty LLC Tejas American General Agency Virtue Risk Partners LLC Philadelphia Insurance Companies Sierra Specialty Tejas American General Agency Virtue Risk Partners LLC

Fruit Packaging/Processing ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Global Special Risks Philadelphia Insurance Companies Sierra Specialty Tejas American General Agency

Grain Elevators

AmWINS Group Inc. - 118+ Locations Worldwide Burns & Wilcox DMI Insurance Services Gorst & Compass Insurance M.J. Hall & Company Inc. McLeckie Insurance Group Risk Theory LLC RSI International Inc. South & Western General Agency Inc. UFG Specialty Worldwide Facilities LLC

Auto Repossessors Liability

Feed Mills

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

DMI Insurance Services Erickson-Larsen Inc. Risk Theory LLC Specialty Risk Associates Inc. Worldwide Facilities LLC

Erickson-Larsen Inc. Pacific Gateway Insurance Agency Prime Insurance Company Worldwide Facilities LLC

Auto Transporters

AmWINS Transportation Underwriters Inc. Gorst & Compass Insurance National Advantage Insurance Services Inc. Norman-Spencer Agency Inc. Pacific Gateway Insurance Agency Paramount General Agency Redstone Underwriters Southern Insurance Underwriters Inc. CMGA Worldwide Facilities LLC

Auto/Truck Leasing

■ ■ ■.■ ■. Worldwide Facilities LLC

■ ■ ■.■ ■. Global Special Risks ■ ■ ■.■ ■. Philadelphia Insurance Companies ■ ■ ■.■ ■. Tejas American General Agency

Auto/Truck Rental Agencies

Grain Operators

■ ■ ■.■ ■. Specialty Risk Associates Inc. ■ ■ ■.■ ■. USASIA Insurance Services

■ ■ ■.■ ■. Philadelphia Insurance Companies ■ ■ ■.■ ■. Tejas American General Agency

Greenhouses

■ ■ ■.■ ■. Agricultural Insurance Mgmt Services ■ ■ ■.■ ■. Global Special Risks

Product Contamination/Recall

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Cooper & McCloskey Inc. Professional Liability Insurance Services - Underwriting Facilities Virtue Risk Partners LLC Worldwide Facilities LLC

Product Distributors

■ ■ ■.■ ■. Legacy Employer Concepts LLC ■ ■ ■.■ ■. Prime Insurance Company ■ ■ ■.■ ■. Tejas American General Agency

Arts & Antiques Art Gallery/Museum/Art Show

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■ ■ ■ ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Distinguished Programs Eventsured Gateway Specialty Insurance Great American Insurance Group, Specialty Human Services Insurance Canopy Monarch E&S Insurance Services

Coin & Stamp Dealers

■ ■ ■.■ ■. Monarch E&S Insurance Services ■ ■ ■.■ ■. Prime Insurance Company

www.insurancejournal.com

■ ■ ■.■ ■. Pacific Gateway Insurance Agency

Automatic Car Wash Services Bob Tail or Dead Heading Liability (Truckers)

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

AmWINS Transportation Underwriters Inc. Erickson-Larsen Inc. National Advantage Insurance Services Inc. Pacific Gateway Insurance Agency Paramount General Agency

Buses, Including Chartered Vehicles

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Cargo

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

5Star Public Auto Program Delta General Agency Corp. KF&B Program Managers Insurance Services National Indemnity Company Pacific Gateway Insurance Agency Prime Insurance Company Specialty Risk Associates Inc.

5Star Trucking Program AmWINS Transportation Underwriters Inc. Commercial Sector Insurance Brokers LLC Gridiron Insurance Underwriters Inc. MAXIMUM McLeckie Insurance Group MJ Kelly National Advantage Insurance Services Inc. National Indemnity Company NBIS North Central Agency Inc.

AmWINS Transportation Underwriters Inc. Pacific Gateway Insurance Agency Paramount General Agency Risk Strategies Sun Coast General Insurance Agency Transportation Risk Underwriters

5Star Trucking Program AmWINS Transportation Underwriters Inc. Apollo General Ins. Agency Inc. Berkley Specialty Underwriting Managers - Environmental Div Brecht & Associates Clements Worldwide Cochrane and Company Continental Underwriters Inc. Crouse & Associates Delta General Agency Corp. Erickson-Larsen Inc. Founders Insurance Company Interline Insurance Services Keating Brokerage KF&B Program Managers Insurance Services MAXIMUM McLeckie Insurance Group MiniCo Insurance Agency LLC MJ Kelly National Advantage Insurance Services Inc. National Indemnity Company Nationwide NBIS Pacific Gateway Insurance Agency Paramount General Agency Patriot National Underwriters Inc. Risk Strategies RLI RockLake Insurance Group Inc. RSI International Inc. Russell Bond & Co. Inc. Shelly, Middlebrooks & O’Leary Inc. (Jacksonville) Sierra Specialty South & Western General Agency Inc. Specialty Insurance Managers Inc. Specialty Risk Associates Inc.

U.S. Risk Insurance Group LLC Western Surplus Lines Agency Inc. World Wide Specialty Programs Inc. Worldwide Facilities LLC

Commercial Auto Liability (only)

AmWINS Transportation Underwriters Inc. KF&B Program Managers Insurance Services MJ Kelly National Advantage Insurance Services Inc. National Indemnity Company Paramount General Agency Prime Insurance Company R-T Specialty LLC Risk Strategies RockLake Insurance Group Inc. Specialty Risk Associates Inc.

Commercial Auto Physical Damage (only)

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

AmWINS Transportation Underwriters Inc. Canon Insurance Service Commercial Sector Insurance Brokers LLC International Transportation & Marine Agency Inc. IPA Risk Management LLC National Advantage Insurance Services Inc. National Indemnity Company Norman-Spencer Agency Inc. North Central Agency Inc. Paramount General Agency Risk Strategies RockLake Insurance Group Inc. Specialty Risk Associates Inc.

Contingent Auto

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

AmWINS Transportation Underwriters Inc. Greenwich Transportation Underwriters Inc. aka GTU RockLake Insurance Group Inc. Transportation Risk Underwriters Worldwide Facilities LLC

Contingent Cargo

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Commercial Sector Insurance Brokers LLC Greenwich Transportation Underwriters Inc. aka GTU Keating Brokerage National Advantage Insurance Services Inc. RockLake Insurance Group Inc. Transportation Risk Underwriters Worldwide Facilities LLC

January 27, 2020 INSURANCE JOURNAL | 39

2020 National Directory of Excess, Surplus and Specialty Markets, Volume I

■ ■ ■.■ ■. AmWINS Group Inc. - 118+ Locations Worldwide ■ ■ ■.■ ■. Charity First Insurance Services Inc. ■ ■ ■.■ ■. Sports & Fitness Insurance Corporation (SFIC)

■ ■ ■.■ ■. Monarch E&S Insurance Services

Legend:

■ East ■ Midwest ■ Southeast ■ Texas/South Central ■ West ■ Not Available (Italicized companies offer binding authority.)

Contractors Vehicles, Trucks

AmWINS Transportation Underwriters Inc. Apollo General Ins. Agency Inc. Crouse & Associates Delta General Agency Corp. Gorst & Compass Insurance J.M. Wilson MJ Kelly National Indemnity Company NBIS Pacific Gateway Insurance Agency Paramount General Agency RockLake Insurance Group Inc. Specialty Risk Associates Inc.

Courtesy Shuttles

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

AmWINS Transportation Underwriters Inc. Gorst & Compass Insurance National Indemnity Company Pacific Gateway Insurance Agency Prime Insurance Company

Driving Schools

■ ■ ■.■ ■. Erickson-Larsen Inc. ■ ■ ■.■ ■. Gorst & Compass Insurance ■ ■ ■.■ ■. Pacific Gateway Insurance Agency

2020 National Directory of Excess, Surplus and Specialty Markets, Volume I

Dump Trucks

Gorst & Compass Insurance Interline Insurance Services MJ Kelly National Indemnity Company Norman-Spencer Agency Inc. Pacific Gateway Insurance Agency RockLake Insurance Group Inc. RSI International Inc. Specialty Risk Associates Inc. Sun Coast General Insurance Agency Worldwide Facilities LLC

Food Delivery Vehicles

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Gorst & Compass Insurance National Advantage Insurance Services Inc. Norman-Spencer Agency Inc. Pacific Gateway Insurance Agency Risk Strategies RockLake Insurance Group Inc

Freight Broker / Forwarder

■ ■ ■.■ ■. Greenwich Transportation Underwriters Inc. aka GTU ■ ■ ■.■ ■. Transportation Risk Underwriters

Garage Liability

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Arlington/Roe Delta General Agency Corp. DMI Insurance Services Erickson-Larsen Inc. Founders Insurance Company McLeckie Insurance Group MJ Kelly National Indemnity Company NIF Group Inc. Pacific Gateway Insurance Agency RockLake Insurance Group Inc. Sierra Specialty Specialty Insurance Managers Inc. Specialty Risk Associates Inc. U.S. Risk Insurance Group LLC USASIA Insurance Services Western Security Surplus Insurance Brokers LLC

Motorcycle Dealers

■ ■ ■.■ ■. Continental Brokers Inc. ■ ■ ■.■ ■. Pacific Gateway Insurance Agency ■ ■ ■.■ ■. Risk Theory LLC

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Motorcycle Repair Shops

Trucks--Intermediate Haul

■ ■ ■.■ ■. Continental Brokers Inc. ■ ■ ■.■ ■. Pacific Gateway Insurance Agency

Motorhome/RV Dealers

■ ■ ■.■ ■. DMI Insurance Services ■ ■ ■.■ ■. McLeckie Insurance Group ■ ■ ■.■ ■. Risk Theory LLC

Non-Trucking Liability

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

AmWINS Transportation Underwriters Inc. International Transportation & Marine Agency Inc. National Advantage Insurance Services Inc. Paramount General Agency RockLake Insurance Group Inc

Public Auto

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

5Star Public Auto Program Arlington/Roe Erickson-Larsen Inc. Gorst & Compass Insurance Jimcor Agencies KF&B Program Managers Insurance Services National Indemnity Company Nationwide Pacific Gateway Insurance Agency Pacific International Underwriters RockLake Insurance Group Inc. Shelly, Middlebrooks & O’Leary Inc. (Jacksonville)

Public Transportation

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

5Star Public Auto Program Burns & Wilcox CRC Insurance Services Delta General Agency Corp. KF&B Program Managers Insurance Services MJ Kelly National Indemnity Company Pacific Gateway Insurance Agency

Sand & Gravel Haulers

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

AmWINS Transportation Underwriters Inc. Crouse & Associates Delta General Agency Corp. Erickson-Larsen Inc. Gorst & Compass Insurance Interline Insurance Services Pacific Gateway Insurance Agency RockLake Insurance Group Inc. Sierra Specialty Sun Coast General Insurance Agency

School Buses

■ ■ ■.■ ■. Pacific Gateway Insurance Agency ■ ■ ■.■ ■. Prime Insurance Company

Shipper

■ ■ ■.■ ■. Greenwich Transportation Underwriters Inc. aka GTU

Taxi Cabs ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Evolution Insurance Brokers KF&B Program Managers Insurance Services National Indemnity Company Prime Insurance Company

Pacific Gateway Insurance Agency Risk Theory LLC RockLake Insurance Group Inc. Transportation Risk Underwriters 5Star Trucking Program AmWINS Transportation Underwriters Inc. Cochrane and Company Crouse & Associates Interline Insurance Services J.M. Wilson Keating Brokerage National Advantage Insurance Services Inc. National Indemnity Company NBIS Norman-Spencer Agency Inc. Pacific Gateway Insurance Agency RockLake Insurance Group Inc. Southern Insurance Underwriters Inc. CMGA Western Surplus Lines Agency Inc.

Trucks--Long Haul

5Star Trucking Program AmWINS Group Inc. - 118+ Locations Worldwide AmWINS Transportation Underwriters Inc. Burns & Wilcox Cochrane and Company Crouse & Associates Delta General Agency Corp. Erickson-Larsen Inc. Gorst & Compass Insurance J.M. Wilson Keating Brokerage National Advantage Insurance Services Inc. National Indemnity Company Nationwide NBIS Pacific Gateway Insurance Agency Pacific International Underwriters Paramount General Agency Prime Insurance Company R-T Specialty LLC RockLake Insurance Group Inc. Shelly, Middlebrooks & O’Leary Inc. (Jacksonville) South & Western General Agency Inc. Western Surplus Lines Agency Inc. Worldwide Facilities LLC

Trucks--Short Haul

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

5Star Trucking Program AmWINS Group Inc. - 118+ Locations Worldwide AmWINS Transportation Underwriters Inc. Erickson-Larsen Inc. Gorst & Compass Insurance Interline Insurance Services J.M. Wilson National Advantage Insurance Services Inc. National Indemnity Company NBIS Pacific Gateway Insurance Agency Risk Strategies RockLake Insurance Group Inc. Worldwide Facilities LLC

Auto - Personal All Terrain Vehicles

Tire Dealers

Garbage Trucks ■ ■ ■.■ ■. MJ Kelly

■ ■ ■.■ ■. Gorst & Compass Insurance ■ ■ ■.■ ■. Pacific Gateway Insurance Agency

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Gasoline/Diesel Fuel Haulers

Tow Trucks

Antique & Classic Auto

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

AmWINS Transportation Underwriters Inc. Erickson-Larsen Inc. National Indemnity Company Pacific Gateway Insurance Agency

Hired and Non-Owned Auto Liability - Monoline ■ ■ ■ ■ ■ James River Insurance Company

■ ■ ■.■ ■. Norman-Spencer Agency Inc. ■ ■ ■.■ ■. Pacific Gateway Insurance Agency ■ ■ ■.■ ■. Worldwide Facilities LLC

Limousines

5Star Public Auto Program AmWINS Transportation Underwriters Inc. Erickson-Larsen Inc. Gorst & Compass Insurance Jimcor Agencies KF&B Program Managers Insurance Services National Indemnity Company Pacific Gateway Insurance Agency Prime Insurance Company RockLake Insurance Group Inc. South & Western General Agency Inc

Mobilehome Transporters

■ ■ ■.■ ■. AmWINS Transportation Underwriters Inc. ■ ■ ■.■ ■. Pacific Gateway Insurance Agency ■ ■ ■.■ ■. RockLake Insurance Group Inc

40 | INSURANCE JOURNAL January 27, 2020

Delta General Agency Corp. Erickson-Larsen Inc. Gorst & Compass Insurance National Indemnity Company Norman-Spencer Agency Inc. Pacific Gateway Insurance Agency Prime Insurance Company Sierra Specialty Southern Insurance Underwriters Inc. CMGA Sun Coast General Insurance Agency Worldwide Facilities LLC

Truck Broker Liability

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Continental Brokers Inc. Foremost Insurance Group Insurance House Markel Personal Lines Mexico Insurance Online Prime Insurance Company Foremost Insurance Group Hagerty Insurance House Pacific International Underwriters

Antique & Custom Motorcycles/Scooters ■ ■ ■.■ ■. Hagerty

High Performance & Sports Cars ■ ■ ■.■ ■. Hagerty ■ ■ ■.■ ■. Pacific Gateway Insurance Agency

High Value Auto - Physical Damage

■ ■ ■.■ ■. AmWINS Transportation Underwriters Inc. ■ ■ ■.■ ■. Greenwich Transportation Underwriters Inc. aka GTU ■ ■ ■.■ ■. RockLake Insurance Group Inc

■ ■ ■.■ ■. Hagerty ■ ■ ■.■ ■. Insurance House ■ ■ ■.■ ■. Pacific Gateway Insurance Agency

Truckers General Liability

Kit/Replicas/Custom Cars - Physical Damage

5Star Trucking Program AmWINS Transportation Underwriters Inc. Cochrane and Company CRC Insurance Services Executive Insurance Professionals, PLLC Gorst & Compass Insurance Interline Insurance Services International Transportation & Marine Agency Inc. National Advantage Insurance Services Inc. NBIS North Central Agency Inc.

■ ■ ■.■ ■. Hagerty

Mobilehome - Liability & Physical Damage ■ ■ ■.■ ■. Foremost Insurance Group

Motorcycle - Liability & Physical Damage

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Arlington/Roe Foremost Insurance Group Markel Personal Lines Mexico Insurance Online

www.insurancejournal.com

Legend:

■ East

■ Midwest

■ Southeast

■ Texas/South Central

Motorcycles & Motor Scooters Foremost Insurance Group Insurance House

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Mexico Insurance Online South & Western General Agency Inc.

Motorhome - Liability & Physical Damage ■ ■ ■.■ ■. Foremost Insurance Group ■ ■ ■.■ ■. Mexico Insurance Online

Motorhomes/RVs

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Foremost Insurance Group Insurance House Mexico Insurance Online Prime Insurance Company

Nonstandard Personal Auto Liability & Phys Dmg

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Abram Interstate Insurance Services Inc. Arrowhead General Insurance Agency Inc. Bristol West Insurance Group Insurance House Mexico Insurance Online Sun Coast General Insurance Agency

Nonstandard Personal Auto Liability (only)

■ West

■ Not Available (Italicized companies offer binding authority.)

Helicopters

■ ■ ■.■ ■. Arlington/Roe Aviation ■ ■ ■.■ ■. Aviation Insurance Agency Inc. ■ ■ ■.■ ■. LIG Marine Managers

Hot Air Balloons

■ ■ ■.■ ■. Prime Insurance Company

Unmanned Aerial Vehicles / Drones ■ ■ ■.■ ■. Arlington/Roe Aviation ■ ■ ■.■ ■. Aviation Insurance Agency Inc.

Bonds Bankers Blanket Bond High Limits

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Gerald J. Wilkoff Inc. J.B. Lloyd & Associates, A Member Company of US Risk ProSurance Group Inc. Surety One Inc.

Bankers Special Bond

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Gerald J. Wilkoff Inc. J.B. Lloyd & Associates, A Member Company of US Risk ProSurance Group Inc. Surety One Inc.

Commercial Crime Bond

■ ■ ■.■ ■. Bristol West Insurance Group ■ ■ ■.■ ■. Founders Insurance Company ■ ■ ■.■ ■. Mexico Insurance Online

■ ■ ■.■ ■. Apollo General Ins. Agency Inc. ■ ■ ■ ■ ■ U.S. Risk Insurance Group LLC

RV - Liability & Physical Damage

Contractor License Bonds

Snowmobiles

■ ■ ■.■ ■. Foremost Insurance Group

Travel Trailers & Campers

■ ■ ■.■ ■. Foremost Insurance Group ■ ■ ■.■ ■. Mexico Insurance Online

Aviation Air Cargo

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Arlington/Roe Aviation Aviation Insurance Agency Inc. International Transportation & Marine Agency Inc. IPA Risk Management LLC TCA Inc.

Aircraft Products Liability

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Arlington/Roe Aviation Aviation Insurance Agency Inc. LIG Marine Managers R-T Specialty LLC Worldwide Facilities LLC

Airplanes--Business/Corporate

■ ■ ■.■ ■. Arlington/Roe Aviation ■ ■ ■.■ ■. Aviation Insurance Agency Inc. ■ ■ ■.■ ■. LIG Marine Managers

Airplanes--Private Pleasure

■ ■ ■.■ ■. Arlington/Roe Aviation ■ ■ ■.■ ■. Aviation Insurance Agency Inc. ■ ■ ■.■ ■. Prime Insurance Company

Airport Owners/Operators Liability

■ ■ ■.■ ■. Arlington/Roe Aviation ■ ■ ■.■ ■. Aviation Insurance Agency Inc. ■ ■ ■.■ ■. LIG Marine Managers

Airports (Private)

■ ■ ■.■ ■. Arlington/Roe Aviation ■ ■ ■.■ ■. Aviation Insurance Agency Inc.

Airshows

■ ■ ■.■ ■. Arlington/Roe Aviation

Aviation (General)

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

AmWINS Group Inc. - 118+ Locations Worldwide Arlington/Roe Aviation Aviation Insurance Agency Inc. Continental Brokers Inc. MacAfee & Edwards Inc. - Mexican Insurance Specialist Worldwide Facilities LLC

Crop Dusters

■ ■ ■.■ ■. Arlington/Roe Aviation ■ ■ ■.■ ■. Aviation Insurance Agency Inc. ■ ■ ■.■ ■. Continental Brokers Inc.

Ferry Flights

■ ■ ■.■ ■. Arlington/Roe Aviation ■ ■ ■.■ ■. Aviation Insurance Agency Inc.

Fixed Base Operators

■ ■ ■.■ ■. Arlington/Roe Aviation ■ ■ ■.■ ■. Aviation Insurance Agency Inc.

Hangar Keepers Liability

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Arlington/Roe Aviation Aviation Insurance Agency Inc. Continental Brokers Inc. LIG Marine Managers

www.insurancejournal.com

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Apollo General Ins. Agency Inc. Cochrane and Company Gerald J. Wilkoff Inc. SIS Wholesale Insurance Services Surety Bond Professionals Inc. Surety One Inc. Transportation Risk Underwriters

Customs Bonds

■ ■ ■.■ ■. Aviation Insurance Agency Inc. ■ ■ ■.■ ■. Surety Bond Professionals Inc. ■ ■ ■.■ ■. Surety One Inc.

Employee Benefit Plans Liability

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Apollo General Ins. Agency Inc. Surety Bond Professionals Inc. Surety One Inc. World Wide Specialty Programs Inc.

Excess Fidelity Bonds

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

CID Insurance Programs Inc. J.B. Lloyd & Associates, A Member Company of US Risk ProSurance Group Inc. Surety One Inc.

Financial Institution Bond

■ ■ ■.■ ■. U.S. Risk Insurance Group LLC

Financial Guarantee Bonds

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Gerald J. Wilkoff Inc. J.B. Lloyd & Associates, A Member Company of US Risk Surety Bond Professionals Inc. Surety One Inc.

Hazardous Waste Contractors Bonds ■ ■ ■.■ ■. Surety Bond Professionals Inc. ■ ■ ■.■ ■. Surety One Inc.

Medicare Provider Bonds

■ ■ ■.■ ■. Surety Bond Professionals Inc. ■ ■ ■.■ ■. Surety One Inc.

Performance & Payment Bonds

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

All Solutions PBS LLC Apollo General Ins. Agency Inc. Gerald J. Wilkoff Inc. Surety Bond Professionals Inc. Surety One Inc. Transportation Risk Underwriters

Self Insured Workers

■ ■ ■.■ ■. Surety Bond Professionals Inc. ■ ■ ■.■ ■. Surety One Inc.

Subdivision Bonds

■ ■ ■.■ ■. Surety Bond Professionals Inc. ■ ■ ■.■ ■. Surety One Inc.

Surety Bonds - Contractors

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Apollo General Ins. Agency Inc. Cochrane and Company Gerald J. Wilkoff Inc. J.M. Wilson Nationwide RLI Surety Bond Professionals Inc. Surety One Inc. Transportation Risk Underwriters

Surety Bonds - Misc. and Special Risks ■ ■ ■.■ ■. Hagerty ■ ■ ■.■ ■. J.M. Wilson ■ ■ ■.■ ■. Meridian Finance Group

RLI Sports & Fitness Insurance Corporation (SFIC) Surety Bond Professionals Inc. Surety One Inc. Transportation Risk Underwriters

Surety Bonds - Prof. Liability

■ ■ ■.■ ■. Gerald J. Wilkoff Inc. ■ ■ ■.■ ■. ProSurance Group Inc. ■ ■ ■.■ ■. Surety One Inc.

Surety License Bonds

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Apollo General Ins. Agency Inc. Brownyard Group Continental Brokers Inc. Gerald J. Wilkoff Inc. RLI Surety Bond Professionals Inc. Surety One Inc.

Third Party Fidelity Coverage ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Brownyard Group ProSurance Group Inc. Surety One Inc. World Wide Specialty Programs Inc.

Business Risks Active Shooter

■ ■ ■.■ ■. Prime Insurance Company

Business Interruption

■ ■ ■.■ ■. Professional Liability Insurance Services - Underwriting Facilities

Business Owners Policy

Advanced E&S Group - Midwest Region Braishfield Burns & Wilcox Continental Brokers Inc. Executive Insurance Professionals, PLLC London Underwriters Pacific International Underwriters Shelly, Middlebrooks & O’Leary Inc. (Jacksonville) SIS Wholesale Insurance Services Sports & Fitness Insurance Corporation (SFIC)

Care Custody/Control Liability (P.D.)

■ ■ ■.■ ■. Brownyard Group ■ ■ ■.■ ■. The Mechanic Group, Div of Specialty Programs Grp ■ ■ ■.■ ■. World Wide Specialty Programs Inc.

Contingent Liability

■ ■ ■.■ ■. Concord Specialty Risk

Corporate Fiduciary Liability ■ ■ ■.■ ■. Gerald J. Wilkoff Inc.

Cyber Risk

American Eagle Underwriting Managers Charity First Insurance Services Inc. CITA Insurance Services, a Div. of Brown & Brown Cochrane and Company Donald Gaddis Co. Inc. Insurance Svcs EmergIn Risk Executive Perils Irwin Siegel Agency Jimcor Agencies Kevin Davis Insurance Services London Underwriters MiniCo Insurance Agency LLC Nationwide Negley Associates Next Wave Insurance Services LLC ProSurance Group Inc. Quadrant Insurance Managers R.E. Chaix & Assoc. Sports & Fitness Insurance Corporation (SFIC) Victor Insurance Managers Inc. World Wide Specialty Programs Inc. Worldwide Facilities LLC

Employee Benefit Plans Liability

■ ■ ■.■ ■. Gerald J. Wilkoff Inc. ■ ■ ■.■ ■. Hyers and Associates Inc. ■ ■ ■.■ ■. World Wide Specialty Programs Inc.

Employers Liability ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Continental Underwriters Inc. CRC Insurance Services Executive Perils London Underwriters Professional Liability Insurance Services - Underwriting Facilities Sports & Fitness Insurance Corporation (SFIC) Western Special Risks, Inc., a JenCap Holdings Company World Wide Specialty Programs Inc. Worldwide Facilities LLC

Extended, Product Warranty & Service Contracts ■ ■ ■.■ ■. Financial Risk Solutions Inc.

Fiduciary Liability

■ ■ ■.■ ■. Executive Perils ■ ■ ■.■ ■. Gerald J. Wilkoff Inc. ■ ■ ■.■ ■. Gumtree Wholesale Insurance Brokers Inc.

January 27, 2020 INSURANCE JOURNAL | 41

2020 National Directory of Excess, Surplus and Specialty Markets, Volume I

■ ■ ■.■ ■. Foremost Insurance Group ■ ■ ■.■ ■. Mexico Insurance Online

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Legend:

■ East

■ Midwest

■ Southeast

■ Texas/South Central

■ ■ ■.■ ■. U.S. Risk Insurance Group LLC

Food Borne Illness

■ ■ ■.■ ■. Professional Liability Insurance Services - Underwriting Facilities ■ ■ ■.■ ■. U.S. Risk Insurance Group LLC ■ ■ ■.■ ■. Worldwide Facilities LLC

Identity Theft

■ ■ ■.■ ■. World Wide Specialty Programs Inc.

In-Home Businesses

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Executive Insurance Professionals, PLLC South & Western General Agency Inc. Specialty Risk Associates Inc. www.insurancehelper.com

IT Consultants Errors & Omissions

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

All Solutions PBS LLC Executive Insurance Professionals, PLLC Executive Perils Fox Point Programs Jacobs & Associates Inc. Professional Liability Insurance Services - Underwriting Facilities

Kidnap, Ransom & Extortion

2020 National Directory of Excess, Surplus and Specialty Markets, Volume I

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

ARC West Coast Excess & Surplus Brokerage LLC Clements Worldwide Exceptional Risk Advisors LLC Executive Perils Quirk & Company Victor Insurance Managers Inc. Worldwide Facilities LLC

Legal Expense

■ ■ ■.■ ■. Worldwide Facilities LLC

Limited Partnership Liability/Partnership ■ ■ ■.■ ■. Executive Perils

Mergers & Acquisitions

■ ■ ■.■ ■. Concord Specialty Risk ■ ■ ■.■ ■. Worldwide Facilities LLC

Reps and Warranties

■ ■ ■.■ ■. Concord Specialty Risk ■ ■ ■.■ ■. Innovative Risk Solutions

Sexual Abuse Liability

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Irwin Siegel Agency Prime Insurance Company Quadrant Insurance Managers World Wide Specialty Programs Inc.

Sexual Harassment Legal Expense ■ ■ ■.■ ■. World Wide Specialty Programs Inc. ■ ■ ■.■ ■. Worldwide Facilities LLC

Specific Litigation

■ ■ ■.■ ■. Concord Specialty Risk

Tax Insurance

■ ■ ■.■ ■. Concord Specialty Risk

Transactional Risk

■ ■ ■.■ ■. Concord Specialty Risk ■ ■ ■.■ ■. Edge Management ■ ■ ■.■ ■. Innovative Risk Solutions

Contractors & Related Alarm Contractors

AMIS/Alliance Marketing & Insurance Services LLC Arrowhead General Insurance Agency Inc. Ashley General Agency Brownyard Group Costanza Insurance Agency Inc. Executive Insurance Professionals, PLLC Jacobs & Associates Inc. NIF Group Inc. Orion Commercial Insurance Services Inc. Sierra Specialty Specialty Risk Associates Inc.

The Mechanic Group, Div of Specialty Programs Grp Western Special Risks, Inc., a JenCap Holdings Company

Architects & Engineers

All Risks Ltd. AmWINS Group Inc. - 118+ Locations Worldwide Continental Brokers Inc. Executive Perils Global Special Risks Gumtree Wholesale Insurance Brokers Inc. International Excess Companies Jacobs & Associates Inc. Legacy Employer Concepts LLC Quirk & Company Target Professional Programs Victor Insurance Managers Inc. Western Special Risks, Inc., a JenCap Holdings Company Worldwide Facilities LLC

Artisan Contractor Program

■ ■ ■.■ ■. Advanced E&S Group - Midwest Region ■ ■ ■.■ ■. Apollo General Ins. Agency Inc.

42 | INSURANCE JOURNAL January 27, 2020

■ West

■ Not Available (Italicized companies offer binding authority.)

Arlington/Roe Brecht & Associates Crouse & Associates Delta General Agency Corp. Jacobs & Associates Inc. M.J. Hall & Company Inc. Next Wave Insurance Services LLC R.E. Chaix & Assoc. Redstone Underwriters Shield Commercial Insurance Services SIS Wholesale Insurance Services Southwest Risk Specialty Risk Associates Inc.

Artisan Contractors

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Abram Interstate Insurance Services Inc. Advanced E&S Group - Midwest Region All Risks Ltd. AmWINS Group Inc. - 118+ Locations Worldwide Anderson & Murison Inc. Ashley General Agency Braishfield Breckenridge Insurance Services CID Insurance Programs Inc. Cochrane and Company Donald Gaddis Co. Inc. Insurance Svcs Empire Underwriters LLC Executive Insurance Professionals, PLLC Gorst & Compass Insurance HULL & Company Inc. Insurance Canopy J.E. Brown & Associates J.M. Wilson James River Insurance Company Jimcor Agencies Kinsale Insurance Company Klein & Costa Insurance Services Legacy Employer Concepts LLC London Underwriters MJ Kelly Monarch E&S Insurance Services National Indemnity Company Nationwide Nautilus Insurance Co. & Great Divide Ins. Co. NeitClem Wholesale Insurance Brokerage Inc. NIF Group Inc. Norman-Spencer Agency Inc. Orion Commercial Insurance Services Inc. Pacific Excess Insurance Marketing Patriot National Underwriters Inc. Philadelphia Insurance Companies Prime Insurance Company Quirk & Company Redstone Underwriters Risk Theory LLC RockLake Insurance Group Inc. Roush Insurance Services Inc. Russell Bond & Co. Inc.

Shield Commercial Insurance Services

SIS Wholesale Insurance Services South & Western General Agency Inc. Southern Insurance Underwriters Inc. CMGA Sun Coast General Insurance Agency UFG Specialty Victor Insurance Managers Inc. Virtue Risk Partners LLC Western Security Surplus Insurance Brokers LLC Western Special Risks, Inc., a JenCap Holdings Company Western Surplus Lines Agency Inc. Western World Insurance Group Woodlands Insurance Services LLC Worldwide Facilities LLC Worldwide Facilities, LLC; MHI-MGA Division

Asbestos Abatement Contractors

Beacon Hill Associates Inc. Berkley Specialty Underwriting Managers - Environmental Div Freberg Environmental Inc. James River Insurance Company Landmark E&S Insurance Brokers LLC PartnerOne Environmental Philadelphia Insurance Companies Virtue Risk Partners LLC Woodlands Insurance Services LLC Worldwide Facilities LLC

Builders Risk

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All Risks Ltd. AmWINS Group Inc. - 118+ Locations Worldwide Arlington/Roe Breckenridge Insurance Services Canon Insurance Service CapSpecialty Commercial Sector Insurance Brokers LLC CRC Insurance Services Crouse & Associates DFCORBY Insurance Services Distinguished Programs Empire Underwriters LLC Executive Insurance Professionals, PLLC Gridiron Insurance Underwriters Inc. International Excess Companies Jimcor Agencies

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Klein & Costa Insurance Services London Underwriters MAXIMUM MJ Kelly NeitClem Wholesale Insurance Brokerage Inc. NIF Group Inc. PERse Ross Diversified Insurance Services SIS Wholesale Insurance Services Southwest Risk Specialty Insurance Managers Inc. Specialty Risk Associates Inc. TAPCO Underwriters Inc. Technical Risk Underwriters US Assure Victor Insurance Managers Inc. Western Security Surplus Insurance Brokers LLC Worldwide Facilities LLC

Builders Risk Installation Floater ■ ■ ■.■ ■. Gridiron Insurance Underwriters Inc. ■ ■ ■.■ ■. SIS Wholesale Insurance Services

Building Materials Dealers

■ ■ ■.■ ■. Continental Underwriters Inc. ■ ■ ■.■ ■. Worldwide Facilities LLC

Cable Line Installers

■ ■ ■.■ ■. NIF Group Inc. ■ ■ ■.■ ■. Patriot National Underwriters Inc. ■ ■ ■.■ ■. Worldwide Facilities LLC

COC Program

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Monarch E&S Insurance Services NeitClem Wholesale Insurance Brokerage Inc. R.E. Chaix & Assoc. SIS Wholesale Insurance Services Southwest Risk US Assure USASIA Insurance Services Worldwide Facilities LLC

Concrete Mix-In-Transit

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

AmWINS Transportation Underwriters Inc. National Indemnity Company Norman-Spencer Agency Inc. Pacific Gateway Insurance Agency Worldwide Facilities LLC

Concrete Pumpers

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

AmWINS Transportation Underwriters Inc. Ascinsure Specialty Risk Empire Underwriters LLC NBIS Norman-Spencer Agency Inc. Pacific Gateway Insurance Agency Shield Commercial Insurance Services SIS Wholesale Insurance Services

Construction Liability

Alliant Underwriting Solutions Apollo General Ins. Agency Inc. Breckenridge Insurance Services DFCORBY Insurance Services Empire Underwriters LLC Houston International Insurance Group James Klein Insurance Keating Brokerage Kinsale Insurance Company MAXIMUM NeitClem Wholesale Insurance Brokerage Inc. NIF Group Inc. PartnerOne Environmental R-T Specialty LLC Redstone Underwriters Risk Theory LLC Shield Commercial Insurance Services Southwest Risk TAPCO Underwriters Inc. Tokio Marine HCC Woodlands Insurance Services LLC Worldwide Facilities LLC

Construction Managers

■ ■ ■.■ ■. Keating Brokerage ■ ■ ■ ■ ■ Philadelphia Insurance Companies ■ ■ ■.■ ■. Worldwide Facilities LLC

Construction Wrap-Ups

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

AmWINS Group Inc. - 118+ Locations Worldwide Beacon Hill Associates Inc. Breckenridge Insurance Services Empire Underwriters LLC Keating Brokerage Worldwide Facilities LLC

Contractors Design & Build Liability

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Admiral Insurance Group DFCORBY Insurance Services Eaton Professional Insurance Services Tokio Marine HCC Worldwide Facilities LLC

www.insurancejournal.com

Legend:

■ East

■ Midwest

■ Southeast

■ Texas/South Central

Contractors Equipment

Admiral Insurance Group Ascinsure Specialty Risk Crouse & Associates DFCORBY Insurance Services Gridiron Insurance Underwriters Inc. NBIS Norman-Spencer Agency Inc. North Central Agency Inc. Philadelphia Insurance Companies Quirk & Company Safehold Special Risk SIS Wholesale Insurance Services US Assure Western Surplus Lines Agency Inc. Western World Insurance Group Woodlands Insurance Services LLC Worldwide Facilities LLC

Contractors Paper

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

DFCORBY Insurance Services Donald Gaddis Co. Inc. Insurance Svcs Empire Underwriters LLC Jacobs & Associates Inc. Klein & Costa Insurance Services Legacy Employer Concepts LLC Shield Commercial Insurance Services SIS Wholesale Insurance Services Worldwide Facilities LLC

Contractors Pollution Liability

Alliant Underwriting Solutions Apollo General Ins. Agency Inc. Ashley General Agency Beacon Hill Associates Inc. Berkley Specialty Underwriting Managers - Environmental Div Cochrane and Company Crouse & Associates Empire Underwriters LLC Erickson-Larsen Inc. Freberg Environmental Inc. Gumtree Wholesale Insurance Brokers Inc.

James River Insurance Company

Kinsale Insurance Company Landmark E&S Insurance Brokers LLC Orion Commercial Insurance Services Inc. Patriot National Underwriters Inc. Philadelphia Insurance Companies R.E. Chaix & Assoc. Risk Theory LLC Shield Commercial Insurance Services SIS Wholesale Insurance Services Virtue Risk Partners LLC Western Surplus Lines Agency Inc. Woodlands Insurance Services LLC Worldwide Facilities LLC

Crane & Rigging Contractors

■ ■ ■.■ ■. ■ ■ ■ ■ ■ ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Apollo General Ins. Agency Inc.

Ascinsure Specialty Risk

Crouse & Associates Erickson-Larsen Inc. Legacy Employer Concepts LLC NBIS Woodlands Insurance Services LLC Worldwide Facilities LLC

Custom Home Builders

Crouse & Associates DFCORBY Insurance Services Empire Underwriters LLC James River Insurance Company Monarch E&S Insurance Services NeitClem Wholesale Insurance Brokerage Inc. Patriot National Underwriters Inc. R.E. Chaix & Assoc. Shield Commercial Insurance Services SIS Wholesale Insurance Services Southwest Risk TAPCO Underwriters Inc. US Assure Western Security Surplus Insurance Brokers LLC Woodlands Insurance Services LLC Worldwide Facilities LLC

Demolition Contractors Liability

Apollo General Ins. Agency Inc. Empire Underwriters LLC Jacobs & Associates Inc. James River Insurance Company Jimcor Agencies Landmark E&S Insurance Brokers LLC Norman-Spencer Agency Inc. Philadelphia Insurance Companies Western World Insurance Group Worldwide Facilities LLC

Electricians

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Empire Underwriters LLC Legacy Employer Concepts LLC PartnerOne Environmental Philadelphia Insurance Companies Shield Commercial Insurance Services

www.insurancejournal.com

■ Not Available (Italicized companies offer binding authority.)

■ ■ ■.■ ■. Southern Insurance Underwriters Inc. CMGA ■ ■ ■.■ ■. Worldwide Facilities LLC

Elevator Contractors

■ ■ ■.■ ■. Worldwide Facilities LLC

Environmental Contractors

Access E&S Insurance Services (VA) All Risks Ltd. AmWINS Group Inc. - 118+ Locations Worldwide Beacon Hill Associates Inc. Berkley Specialty Underwriting Managers - Environmental Div Commercial Sector Insurance Brokers LLC Crouse & Associates Global Special Risks Gumtree Wholesale Insurance Brokers Inc. Intercorp Inc. James River Insurance Company Jimcor Agencies Keating Brokerage Klein & Costa Insurance Services Landmark E&S Insurance Brokers LLC Norman-Spencer Agency Inc. PartnerOne Environmental Philadelphia Insurance Companies Quadrant Insurance Managers R.E. Chaix & Assoc. Roush Insurance Services Inc. Virtue Risk Partners LLC Worldwide Facilities LLC

Fire Sprinkler Contractors

AMIS/Alliance Marketing & Insurance Services LLC Breckenridge Insurance Services Landmark E&S Insurance Brokers LLC Orion Commercial Insurance Services Inc. Patriot National Underwriters Inc. Philadelphia Insurance Companies RelMark Program Managers SIS Wholesale Insurance Services Southwest Risk Worldwide Facilities LLC

Fire/Water Restoration

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

James River Insurance Company Landmark E&S Insurance Brokers LLC Legacy Employer Concepts LLC PartnerOne Environmental Philadelphia Insurance Companies Worldwide Facilities LLC

Fireworks Display Contractors Risk

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Framers

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

James River Insurance Company Prime Insurance Company Professional Program Ins. Brokerage, a Div of SPG Ins. Solutions Worldwide Facilities LLC Legacy Employer Concepts LLC

Shield Commercial Insurance Services

SIS Wholesale Insurance Services Southern Insurance Underwriters Inc. CMGA Woodlands Insurance Services LLC Worldwide Facilities LLC

General Contractors - Commercial

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AmWINS Group Inc. - 118+ Locations Worldwide Anderson & Murison Inc. Ashley General Agency Beacon Hill Associates Inc. Berkley Specialty Underwriting Managers - Environmental Div Brecht & Associates Burns & Wilcox Cochrane and Company CRC Insurance Services DFCORBY Insurance Services Empire Underwriters LLC Erickson-Larsen Inc. Executive Insurance Professionals, PLLC Gorst & Compass Insurance Houston International Insurance Group J.M. Wilson Jacobs & Associates Inc. James Klein Insurance

James River Insurance Company

Jimcor Agencies Kinsale Insurance Company Klein & Costa Insurance Services Legacy Employer Concepts LLC M.J. Hall & Company Inc. MAXIMUM Midlands Management Corp. MJ Kelly Nationwide Nautilus Insurance Co. & Great Divide Ins. Co. NeitClem Wholesale Insurance Brokerage Inc. Next Wave Insurance Services LLC NIF Group Inc. Norman-Spencer Agency Inc. Orion Commercial Insurance Services Inc. PartnerOne Environmental Patriot National Underwriters Inc. Philadelphia Insurance Companies

Quadrant Insurance Managers Quirk & Company Redstone Underwriters Risk Theory LLC RLI Roush Insurance Services Inc.

Shield Commercial Insurance Services

SIS Wholesale Insurance Services Southwest Risk TAPCO Underwriters Inc. Technical Risk Underwriters U.S. Risk Insurance Group LLC UFG Specialty US Assure Western Security Surplus Insurance Brokers LLC Western World Insurance Group Woodlands Insurance Services LLC Worldwide Facilities LLC

General Contractors - Residential

Abram Interstate Insurance Services Inc. Ashley General Agency Burns & Wilcox CRC Insurance Services DFCORBY Insurance Services Empire Underwriters LLC Gorst & Compass Insurance Jacobs & Associates Inc. James River Insurance Company Jimcor Agencies Kinsale Insurance Company Klein & Costa Insurance Services NeitClem Wholesale Insurance Brokerage Inc. NIF Group Inc. Norman-Spencer Agency Inc. Orion Commercial Insurance Services Inc. Pacific International Underwriters Quirk & Company Redstone Underwriters Risk Theory LLC Shelly, Middlebrooks & O’Leary Inc. (Jacksonville)

Shield Commercial Insurance Services

Sierra Specialty SIS Wholesale Insurance Services Southwest Risk TAPCO Underwriters Inc. US Assure Woodlands Insurance Services LLC Worldwide Facilities LLC

Hospitality

■ ■ ■.■ ■. James River Insurance Company ■ ■ ■.■ ■. Legacy Employer Concepts LLC ■ ■ ■.■ ■. TAPCO Underwriters Inc.

House Moving Contractors

■ ■ ■.■ ■. Apollo General Ins. Agency Inc.

Janitorial

Abram Interstate Insurance Services Inc. Advanced E&S Group - Midwest Region Gorst & Compass Insurance Insurance Canopy Monarch E&S Insurance Services Prime Insurance Company Shelly, Middlebrooks & O’Leary Inc. (Jacksonville) Shield Commercial Insurance Services Sierra Specialty SIS Wholesale Insurance Services Specialty Risk Associates Inc. TAPCO Underwriters Inc. USASIA Insurance Services Western Special Risks, Inc., a JenCap Holdings Company Western World Insurance Group Woodlands Insurance Services LLC Worldwide Facilities, LLC; MHI-MGA Division

Land Surveyors

■ ■ ■.■ ■. Berkley Specialty Underwriting Managers - Environmental Div ■ ■ ■.■ ■. Global Special Risks ■ ■ ■.■ ■. Victor Insurance Managers Inc.

Landscape Architects

■ ■ ■.■ ■. Victor Insurance Managers Inc.

Landscaping

Gorst & Compass Insurance Insurance Canopy Legacy Employer Concepts LLC Nationwide Norman-Spencer Agency Inc. Philadelphia Insurance Companies Prime Insurance Company Shield Commercial Insurance Services Sierra Specialty SIS Wholesale Insurance Services Specialty Risk Associates Inc. USASIA Insurance Services Virtue Risk Partners LLC Western World Insurance Group

Lead Abatement Contractors

■ ■ ■.■ ■. Apollo General Ins. Agency Inc.

January 27, 2020 INSURANCE JOURNAL | 43

2020 National Directory of Excess, Surplus and Specialty Markets, Volume I

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■ West

Legend:

■ East

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

■ Midwest

■ Southeast

■ Texas/South Central

Marine Contractors

■ ■ ■.■ ■. Global Special Risks ■ ■ ■.■ ■. Legacy Employer Concepts LLC

Outside Contractors All

■ ■ ■.■ ■. Crouse & Associates ■ ■ ■.■ ■. Shield Commercial Insurance Services ■ ■ ■.■ ■. SIS Wholesale Insurance Services

Prefabricated Building Erection ■ ■ ■.■ ■. Empire Underwriters LLC

Property--Real, Personal & Business Income ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Distinguished Programs Keating Brokerage NBIS TAPCO Underwriters Inc. Worldwide Facilities LLC

2020 National Directory of Excess, Surplus and Specialty Markets, Volume I

Remodeling Contractors

Roofers

Abram Interstate Insurance Services Inc. Brecht & Associates Crouse & Associates DFCORBY Insurance Services Empire Underwriters LLC James River Insurance Company Legacy Employer Concepts LLC Nautilus Insurance Co. & Great Divide Ins. Co. NeitClem Wholesale Insurance Brokerage Inc. Orion Commercial Insurance Services Inc.

Shield Commercial Insurance Services

SIS Wholesale Insurance Services US Assure Western Special Risks, Inc., a JenCap Holdings Company Worldwide Facilities LLC

AmWINS Group Inc. - 118+ Locations Worldwide Anderson & Murison Inc. Ashley General Agency Brecht & Associates Breckenridge Insurance Services CapSpecialty Cochrane and Company DFCORBY Insurance Services Empire Underwriters LLC James River Insurance Company Jimcor Agencies Legacy Employer Concepts LLC MJ Kelly NeitClem Wholesale Insurance Brokerage Inc. Norman-Spencer Agency Inc. Norman-Spencer International Inc. PartnerOne Environmental Patriot National Underwriters Inc. Philadelphia Insurance Companies Prime Insurance Company Redstone Underwriters

Shield Commercial Insurance Services

SIS Wholesale Insurance Services Southern Insurance Underwriters Inc. CMGA Southwest Risk Western Special Risks, Inc., a JenCap Holdings Company Western World Insurance Group Woodlands Insurance Services LLC Worldwide Facilities LLC

Scaffolding Risks ■ ■ ■ ■ ■ Ascinsure Specialty Risk

■ ■ ■.■ ■. International Excess Companies ■ ■ ■.■ ■. R.E. Chaix & Assoc. ■ ■ ■.■ ■. Worldwide Facilities LLC

Social Service

■ ■ ■.■ ■. Irwin Siegel Agency ■ ■ ■.■ ■. Patriot National Underwriters Inc.

Swimming Pool Contractors

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Abram Interstate Insurance Services Inc. Empire Underwriters LLC James River Insurance Company M.J. Hall & Company Inc. Nautilus Insurance Co. & Great Divide Ins. Co. NIF Group Inc. Orion Commercial Insurance Services Inc. Shield Commercial Insurance Services SIS Wholesale Insurance Services

Toxic Mold Liability

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Beacon Hill Associates Inc. Berkley Specialty Underwriting Managers - Environmental Div Landmark E&S Insurance Brokers LLC PartnerOne Environmental Philadelphia Insurance Companies Woodlands Insurance Services LLC

44 | INSURANCE JOURNAL January 27, 2020

■ West

■ Not Available (Italicized companies offer binding authority.)

X.C.U. (Contractors) Liability

■ ■ ■.■ ■. Western Surplus Lines Agency Inc.

Directors & Officers Liability Associations

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■ ■ ■ ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Berkley Select | a Berkley Company Charity First Insurance Services Inc. Coastal Insurance Underwriters Inc. CorRisk Solutions Distinguished Programs Gateway Specialty Insurance Great American Insurance Group - Executive Liability Division Intercorp Inc. Irwin Siegel Agency Kevin Davis Insurance Services Professional Insurance Concepts Western World Insurance Group

Boards of Education

■ ■ ■.■ ■. Allsouth Professional Liability

Chambers of Commerce

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■ ■ ■ ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Berkley Select | a Berkley Company Charity First Insurance Services Inc. Gateway Specialty Insurance Great American Insurance Group - Executive Liability Division Indemnity Excess & Surplus Agency Inc. Irwin Siegel Agency

Condominiums

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■ ■ ■ ■ ■ ■.■ ■.

All Solutions PBS LLC CID Insurance Programs Inc. Coastal Insurance Underwriters Inc. Distinguished Programs Great American Insurance Group - Executive Liability Division Kevin Davis Insurance Services Pacific Excess Insurance Marketing

Preferred Property Programs The McGowan Companies

Country Clubs

■ ■ ■.■ ■. Coastal Insurance Underwriters Inc. ■ ■ ■.■ ■. Great American Ins. Group - Executive Liability Division

Crime

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

AMIS/Alliance Marketing & Insurance Services LLC Coastal Insurance Underwriters Inc. Distinguished Programs eKo Specialty Insurance Services Inc. EmergIn Risk Gerald J. Wilkoff Inc. Kevin Davis Insurance Services Philadelphia Insurance Companies Professional Insurance Concepts

D&O (General)

5Star Specialty Programs - All Offices Access E&S Insurance Services (VA) Agentic Insurance LLC All Risks Ltd. All Solutions PBS LLC Allsouth Professional Liability AMIS/Alliance Marketing & Insurance Services LLC AmWINS Group Inc. - 118+ Locations Worldwide Anderson & Murison Inc. ARC West Coast Excess & Surplus Brokerage LLC Arlington/Roe Berkley Select | a Berkley Company Breckenridge Insurance Services Burns & Wilcox Charity First Insurance Services Inc. CID Insurance Programs Inc. Coastal Insurance Underwriters Inc. Cochrane and Company Cooper & McCloskey Inc. CRC Insurance Services Crouse & Associates Donald Gaddis Co. Inc. Insurance Svcs Eaton Professional Insurance Services eKo Specialty Insurance Services Inc. Erickson-Larsen Inc. Executive Perils Founders Professional Gray-Stone & Co. Great American Insurance Group - Executive Liability Division Hallmark Financial Services Inc. HULL & Company Inc. Indemnity Excess & Surplus Agency Inc. Intercorp Inc. Irwin Siegel Agency J.E. Brown & Associates J.M. Wilson Jacobs & Associates Inc. Jimcor Agencies Keating Brokerage King Insurance Support Systems MAXIMUM MJ Kelly Nationwide NeitClem Wholesale Insurance Brokerage Inc. Next Wave Insurance Services LLC NIF Group Inc. Philadelphia Insurance Companies

Professional Insurance Concepts Quadrant Insurance Managers Quirk & Company R-T Specialty LLC R.E. Chaix & Assoc. Risk Strategies Roush Insurance Services Inc. Russell Bond & Co. Inc. Shelly, Middlebrooks & O’Leary Inc. (Jacksonville) South & Western General Agency Inc. Specialty Risk Associates Inc. The Hanover Insurance Group The McGowan Companies U.S. Risk Insurance Group LLC Western Security Surplus Insurance Brokers LLC Western Special Risks, Inc., a JenCap Holdings Company World Wide Specialty Programs Inc. Worldwide Facilities LLC

Employer`s Professional Liability

5Star Specialty Programs - All Offices All Risks Ltd. AMIS/Alliance Marketing & Insurance Services LLC Breckenridge Insurance Services Coastal Insurance Underwriters Inc. CRC Insurance Services EmergIn Risk Executive Perils Founders Professional Gray-Stone & Co. Hallmark Financial Services Inc. IPA Risk Management LLC J.E. Brown & Associates London Underwriters NIF Group Inc. Philadelphia Insurance Companies Professional Insurance Concepts Risk Strategies RLI Shelly, Middlebrooks & O’Leary Inc. (Jacksonville) South & Western General Agency Inc. Worldwide Facilities LLC

ESOP Companies

■ ■ ■.■ ■. Great American Insurance Group - Executive Liability Division ■ ■ ■.■ ■. Professional Insurance Concepts

Fiduciary Liability

5Star Specialty Programs - All Offices All Solutions PBS LLC eKo Specialty Insurance Services Inc. EmergIn Risk Executive Perils Gerald J. Wilkoff Inc. Great American Insurance Group - Executive Liability Division NIF Group Inc. Philadelphia Insurance Companies Professional Insurance Concepts Quadrant Insurance Managers RLI Russell Bond & Co. Inc. World Wide Specialty Programs Inc.

Financial Institutions

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

5Star Specialty Programs - All Offices ARC West Coast Excess & Surplus Brokerage LLC Cooper & McCloskey Inc. Executive Perils Great American Insurance Group - Executive Liability Division Philadelphia Insurance Companies Professional Insurance Concepts R-T Specialty LLC Russell Bond & Co. Inc.

Homeowners Associations

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■ ■ ■ ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■ ■ ■ ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Ashley General Agency Charity First Insurance Services Inc. CID Insurance Programs Inc. Coastal Insurance Underwriters Inc. Distinguished Programs Eaton Professional Insurance Services Executive Insurance Professionals, PLLC Gateway Specialty Insurance Great American Insurance Group - Executive Liability Division Indemnity Excess & Surplus Agency Inc. Kevin Davis Insurance Services MJ Kelly

Preferred Property Programs

Professional Insurance Concepts Rockwood Programs Inc. Western Special Risks, Inc., a JenCap Holdings Company Western World Insurance Group

Kidnap/Ransom

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Cooper & McCloskey Inc. eKo Specialty Insurance Services Inc. Exceptional Risk Advisors LLC Professional Insurance Concepts

Non-Profit Organizations

■ ■ ■.■ ■. All Solutions PBS LLC ■ ■ ■.■ ■. Allsouth Professional Liability ■ ■ ■.■ ■. AMIS/Alliance Marketing & Insurance Services LLC

www.insurancejournal.com

Legend:

■ East

■ Southeast

■ Texas/South Central

Ashley General Agency Berkley Select | a Berkley Company Braishfield Burns & Wilcox Charity First Insurance Services Inc. CID Insurance Programs Inc. Cochrane and Company Cooper & McCloskey Inc. Donald Gaddis Co. Inc. Insurance Svcs eKo Specialty Insurance Services Inc. EmergIn Risk Executive Perils Gateway Specialty Insurance Great American Insurance Group - Executive Liability Division Great American Insurance Group, Specialty Human Services Gumtree Wholesale Insurance Brokers Inc. Indemnity Excess & Surplus Agency Inc. Intercorp Inc. International Excess Companies Irwin Siegel Agency J.E. Brown & Associates Jacobs & Associates Inc. Keating Brokerage Monarch E&S Insurance Services Negley Associates NIF Group Inc. Nonprofits Insurance Alliance

Philadelphia Insurance Companies

Professional Insurance Concepts Quadrant Insurance Managers R-T Specialty LLC R.E. Chaix & Assoc. Rockwood Programs Inc. Russell Bond & Co. Inc. The Hanover Insurance Group Victor Insurance Managers Inc. Western Special Risks, Inc., a JenCap Holdings Company Worldwide Facilities LLC

Private Company

Access E&S Insurance Services (VA) Agentic Insurance LLC All Solutions PBS LLC ARC West Coast Excess & Surplus Brokerage LLC Berkley Select | a Berkley Company Cooper & McCloskey Inc. eKo Specialty Insurance Services Inc. EmergIn Risk Executive Perils Great American Insurance Group - Executive Liability Division Gumtree Wholesale Insurance Brokers Inc. Professional Insurance Concepts Quadrant Insurance Managers Rockwood Programs Inc. The Hanover Insurance Group Worldwide Facilities LLC

Public Officials

All Solutions PBS LLC Allsouth Professional Liability American Public Risk ARC West Coast Excess & Surplus Brokerage LLC Euclid Public Sector LLC Executive Perils Gumtree Wholesale Insurance Brokers Inc. Keating Brokerage Professional Governmental Underwriters Western World Insurance Group

Union Officials

■ ■ ■.■ ■. Agentic Insurance LLC ■ ■ ■.■ ■. Executive Perils

Venture Capitalists

■ ■ ■.■ ■. Cooper & McCloskey Inc. ■ ■ ■.■ ■. Executive Perils ■ ■ ■.■ ■. Great American Insurance Group - Executive Liability Division

Youth Sport Leagues

■ ■ ■.■ ■. Sports & Fitness Insurance Corporation (SFIC)

Earthquake & Related Earthquake & Land Failure ■ ■ ■.■ ■. Crouse & Associates

Earthquake--Commercial

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■ ■ ■ ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

All Risks Ltd. AmWINS Group Inc. - 118+ Locations Worldwide Canon Insurance Service CIBA Insurance Services Crouse & Associates J.E. Brown & Associates

James River Insurance Company

Klein & Costa Insurance Services Monarch E&S Insurance Services Orion Commercial Insurance Services Inc. Pacific Excess Insurance Marketing R-T Specialty LLC R.E. Chaix & Assoc. RLI Specialty Insurance Managers Inc. TAPCO Underwriters Inc. Velocity Risk Underwriters LLC

www.insurancejournal.com

■ West

■ Not Available (Italicized companies offer binding authority.)

■ ■ ■.■ ■. Western Security Surplus Insurance Brokers LLC ■ ■ ■.■ ■. Worldwide Facilities LLC

Touring Entertainers

Earthquake--Residential

Weather

AmWINS Group Inc. - 118+ Locations Worldwide Arrowhead General Insurance Agency Inc. Burns & Wilcox Canon Insurance Service CIBA Insurance Services GeoVera Holdings Inc. Klein & Costa Insurance Services Monarch E&S Insurance Services R-T Specialty LLC TAPCO Underwriters Inc. Worldwide Facilities LLC

Earthquake/DIC

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■ ■ ■ ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Anderson & Murison Inc. Arrowhead General Insurance Agency Inc. CRC Insurance Services Crouse & Associates Gorst & Compass Insurance NeitClem Wholesale Insurance Brokerage Inc. Orion Commercial Insurance Services Inc. RLI Safehold Special Risk

U.S. Risk Insurance Group LLC Velocity Risk Underwriters LLC Worldwide Facilities LLC

Stand Alone Earthquake

Arlington/Roe Arrowhead General Insurance Agency Inc. Crouse & Associates GeoVera Holdings Inc. James Klein Insurance MAXIMUM Orion Commercial Insurance Services Inc. R.E. Chaix & Assoc. RLI Velocity Risk Underwriters LLC

Entertainment/Live Performance Broadcasters

■ ■ ■.■ ■. EmergIn Risk ■ ■ ■.■ ■. Executive Perils

Cancellation

■ ■ ■.■ ■. BUA LLC ■ ■ ■.■ ■. Exceptional Risk Advisors LLC

Concerts

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Allen Financial Ins. Group / The Equestrian Group AmRisk Insurance Services BUA LLC Eventsured Exceptional Risk Advisors LLC James Klein Insurance Prime Insurance Company www.insurancehelper.com

Entertainment (General)

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Allen Financial Ins. Group / The Equestrian Group AmWINS Group Inc. - 118+ Locations Worldwide Exceptional Risk Advisors LLC Executive Perils Insurance Canopy James Klein Insurance U.S. Risk Insurance Group LLC www.insurancehelper.com

Event Planners/Producers

■ ■ ■.■ ■. Eventsured ■ ■ ■.■ ■. K&K Insurance Group Inc.

Event Weather Insurance

■ ■ ■.■ ■. BUA LLC ■ ■ ■ ■ ■ Gateway Specialty Insurance

Film & TV Producers Indemnity (Cast) ■ ■ ■.■ ■. Exceptional Risk Advisors LLC ■ ■ ■.■ ■. U.S. Risk Insurance Group LLC

Live Theatrical Risks ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

AmRisk Insurance Services Eventsured Great American Insurance Group, Specialty Human Services www.insurancehelper.com

Media Special Perils

■ ■ ■.■ ■. EmergIn Risk ■ ■ ■.■ ■. Gumtree Wholesale Insurance Brokers Inc. ■ ■ ■.■ ■. Prime Insurance Company

Non-Appearance

■ ■ ■.■ ■. Exceptional Risk Advisors LLC ■ ■ ■ ■ ■ Gateway Specialty Insurance

Terrorism/Active Assailant

■ ■ ■.■ ■. Exceptional Risk Advisors LLC ■ ■ ■.■ ■. London Underwriters ■ ■ ■.■ ■. Worldwide Facilities LLC

■ ■ ■.■ ■. Exceptional Risk Advisors LLC ■ ■ ■.■ ■. BUA LLC

Environmental Agricultural Dealers

■ ■ ■.■ ■. Philadelphia Insurance Companies ■ ■ ■.■ ■. Prime Insurance Company ■ ■ ■.■ ■. Sierra Specialty

Alternative Energy Plants

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Kinsale Insurance Company PERse Philadelphia Insurance Companies R-T Specialty LLC

Crop Dusting & Spraying ■ ■ ■.■ ■. Sierra Specialty

Disposal Sites Non-Owned

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Beacon Hill Associates Inc. eKo Specialty Insurance Services Inc. PartnerOne Environmental Philadelphia Insurance Companies

Dry Cleaners

■ ■ ■.■ ■. Environmental Insurance Services Inc. ■ ■ ■.■ ■. Intercorp Inc.

Environmental Impairment Liability

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Access E&S Insurance Services (VA) Beacon Hill Associates Inc. Berkley Specialty Underwriting Managers - Environmental Div Coastal Insurance Underwriters Inc. eKo Specialty Insurance Services Inc. Environmental Insurance Services Inc. Freberg Environmental Inc. Global Special Risks Intercorp Inc. James River Insurance Company Landmark E&S Insurance Brokers LLC PartnerOne Environmental Philadelphia Insurance Companies Preferred Property Programs RLI Russell Bond & Co. Inc. Target Managers Insurance Services Virtue Risk Partners LLC Woodlands Insurance Services LLC

Environmental Risks

Access E&S Insurance Services (VA) Agentic Insurance LLC Apollo General Ins. Agency Inc. Arlington/Roe Ashley General Agency Beacon Hill Associates Inc. Berkley Specialty Underwriting Managers - Environmental Div Breckenridge Insurance Services CRC Insurance Services Crouse & Associates Environmental Insurance Services Inc. Freberg Environmental Inc. Global Special Risks Gumtree Wholesale Insurance Brokers Inc. Intercorp Inc. J.M. Wilson James Klein Insurance James River Insurance Company Klein & Costa Insurance Services Landmark E&S Insurance Brokers LLC London Underwriters Monarch E&S Insurance Services NeitClem Wholesale Insurance Brokerage Inc. New Empire Group NIF Group Inc. PartnerOne Environmental Philadelphia Insurance Companies Risk Theory LLC Roush Insurance Services Inc. Target Managers Insurance Services Tokio Marine HCC USASIA Insurance Services Virtue Risk Partners LLC Western Security Surplus Insurance Brokers LLC Woodlands Insurance Services LLC Worldwide Facilities LLC

Geothermal Energy Projects

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

James River Insurance Company PERse Philadelphia Insurance Companies Virtue Risk Partners LLC

Ground Crop Dusting & Spraying ■ ■ ■.■ ■. Sierra Specialty

Hazardous Waste Hauling

■ ■ ■.■ ■. AmWINS Group Inc. - 118+ Locations Worldwide ■ ■ ■.■ ■. Beacon Hill Associates Inc. ■ ■ ■.■ ■. Berkley Specialty Underwriting Managers - Environmental Div

January 27, 2020 INSURANCE JOURNAL | 45

2020 National Directory of Excess, Surplus and Specialty Markets, Volume I

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■ ■ ■ ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■ ■ ■ ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

■ Midwest

Legend:

■ East

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

■ Midwest

■ Southeast

■ Texas/South Central

eKo Specialty Insurance Services Inc. Environmental Insurance Services Inc. Freberg Environmental Inc. Pacific Gateway Insurance Agency Risk Theory LLC Target Managers Insurance Services

Hazardous Waste Storage & Disposal Facilities

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Beacon Hill Associates Inc. Berkley Specialty Underwriting Managers - Environmental Div eKo Specialty Insurance Services Inc. Environmental Insurance Services Inc. Freberg Environmental Inc. James River Insurance Company Philadelphia Insurance Companies Target Managers Insurance Services Virtue Risk Partners LLC

Hospitals & Healthcare

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Beacon Hill Associates Inc. eKo Specialty Insurance Services Inc. Philadelphia Insurance Companies Worldwide Facilities LLC

Landfills (Sanitary)

2020 National Directory of Excess, Surplus and Specialty Markets, Volume I

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Beacon Hill Associates Inc. Berkley Specialty Underwriting Managers - Environmental Div Environmental Insurance Services Inc. Freberg Environmental Inc. Landmark E&S Insurance Brokers LLC Philadelphia Insurance Companies

Lenders Environmental Cost

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Beacon Hill Associates Inc. eKo Specialty Insurance Services Inc. Environmental Insurance Services Inc. Freberg Environmental Inc.

Mining Operations

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Ascinsure Specialty Risk Commercial Sector Insurance Brokers LLC Houston International Insurance Group James River Insurance Company Kinsale Insurance Company Worldwide Facilities LLC

Non-Hazardous Waste Hauling

■ ■ ■.■ ■. Berkley Specialty Underwriting Managers - Environmental Div ■ ■ ■.■ ■. Environmental Insurance Services Inc. ■ ■ ■.■ ■. Philadelphia Insurance Companies

Pollution (General)

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■ ■ ■ ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Beacon Hill Associates Inc. Berkley Specialty Underwriting Managers - Environmental Div Donald Gaddis Co. Inc. Insurance Svcs eKo Specialty Insurance Services Inc. Indemnity Excess & Surplus Agency Inc.

James River Insurance Company

Landmark E&S Insurance Brokers LLC NeitClem Wholesale Insurance Brokerage Inc. PartnerOne Environmental Philadelphia Insurance Companies Quadrant Insurance Managers R-T Specialty LLC Risk Theory LLC Specialty Insurance Managers Inc. Virtue Risk Partners LLC Worldwide Facilities LLC

Pollution Above Ground

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Beacon Hill Associates Inc. eKo Specialty Insurance Services Inc. Environmental Insurance Services Inc. Freberg Environmental Inc. Landmark E&S Insurance Brokers LLC New Empire Group Philadelphia Insurance Companies

Pollution Clean Up Indemnity

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Beacon Hill Associates Inc. Environmental Insurance Services Inc. Freberg Environmental Inc. Landmark E&S Insurance Brokers LLC Philadelphia Insurance Companies Virtue Risk Partners LLC

Pollution Liability

Access E&S Insurance Services (VA) AmWINS Group Inc. - 118+ Locations Worldwide Beacon Hill Associates Inc. Berkley Specialty Underwriting Managers - Environmental Div Cochrane and Company Commercial Sector Insurance Brokers LLC Erickson-Larsen Inc. Intercorp Inc. International Excess Companies James Klein Insurance James River Insurance Company Landmark E&S Insurance Brokers LLC MAXIMUM New Empire Group Orion Commercial Insurance Services Inc.

46 | INSURANCE JOURNAL January 27, 2020

■ West

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

■ Not Available (Italicized companies offer binding authority.)

PartnerOne Environmental Philadelphia Insurance Companies Specialty Insurance Managers Inc. Virtue Risk Partners LLC

Real Estate Owner Asbestos Abatement ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Beacon Hill Associates Inc. Freberg Environmental Inc. Landmark E&S Insurance Brokers LLC PartnerOne Environmental

Solar Energy Products and Installers

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Ascinsure Specialty Risk James River Insurance Company Kinsale Insurance Company Landmark E&S Insurance Brokers LLC PERse Philadelphia Insurance Companies R-T Specialty LLC Shield Commercial Insurance Services

Underground Fuel Tank Pollution Liability

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Apollo General Ins. Agency Inc. Berkley Specialty Underwriting Managers - Environmental Div Freberg Environmental Inc. Landmark E&S Insurance Brokers LLC Philadelphia Insurance Companies Worldwide Facilities, LLC; MHI-MGA Division

Underground Storage Tanks

Apollo General Ins. Agency Inc. Berkley Specialty Underwriting Managers - Environmental Div eKo Specialty Insurance Services Inc. Environmental Insurance Services Inc. Freberg Environmental Inc. Landmark E&S Insurance Brokers LLC New Empire Group PartnerOne Environmental Philadelphia Insurance Companies Preferred Property Programs Russell Bond & Co. Inc. Specialty Risk Associates Inc. Virtue Risk Partners LLC

Equipment/Machinery/Tools Agricultural Equipment

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Agricultural Insurance Mgmt Services Global Special Risks Gridiron Insurance Underwriters Inc. North Central Agency Inc. Safehold Special Risk Sierra Specialty

Boiler & Machinery (High Value Objects) ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■ ■ ■

Agricultural Insurance Mgmt Services Coastal Insurance Underwriters Inc. MiniCo Insurance Agency LLC PERse

Preferred Property Programs

Computer Equipment

■ ■ ■.■ ■. Gridiron Insurance Underwriters Inc.

Equipment Dealers

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Admiral Insurance Group Ascinsure Specialty Risk Ashley General Agency Gridiron Insurance Underwriters Inc. North Central Agency Inc.

Firearms

■ ■ ■.■ ■. Joseph Chiarello & Co., Inc.; Firearms Business Insurance Program ■ ■ ■.■ ■. Prime Insurance Company

Food Processors

■ ■ ■.■ ■. Sierra Specialty

Forestry Equipment

■ ■ ■.■ ■. Ascinsure Specialty Risk ■ ■ ■.■ ■. Continental Underwriters Inc. ■ ■ ■.■ ■. Safehold Special Risk

Logging Operations

■ ■ ■.■ ■. Ascinsure Specialty Risk ■ ■ ■.■ ■. Continental Underwriters Inc. ■ ■ ■.■ ■. Victor Insurance Managers Inc.

Mechanical Breakdown & Extended Warranty ■ ■ ■.■ ■. MiniCo Insurance Agency LLC

Medical Equipment Dealer

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Ascinsure Specialty Risk Houston International Insurance Group James River Insurance Company LifeScienceRisk

Metal Workers & Foundries ■ ■ ■.■ ■. Safehold Special Risk

Mining Operations

■ ■ ■.■ ■. Houston International Insurance Group

Excess Coverage Employers Excess Indemnity ■ ■ ■.■ ■. RLI

Excess Auto Liability Commercial

Artex Risk Solutions Inc. Berkley Specialty Underwriting Managers - Environmental Div Brecht & Associates Hallmark Financial Services Inc. Jimcor Agencies KF&B Program Managers Insurance Services NBIS Pacific Gateway Insurance Agency Redstone Underwriters RockLake Insurance Group Inc. Specialty Insurance Managers Inc. Specialty Risk Associates Inc.

Excess Auto Liability Personal

■ ■ ■.■ ■. Mexico Insurance Online ■ ■ ■.■ ■. Sun Coast General Insurance Agency

Excess E&O

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Agentic Insurance LLC All Solutions PBS LLC Executive Perils James River Insurance Company ProSurance Group Inc. Quadrant Insurance Managers World Wide Specialty Programs Inc. Worldwide Facilities LLC

Excess Flood

All Solutions PBS LLC Braishfield Coastal Insurance Underwriters Inc. Flood Risk Solutions Inc. Insurance House James River Insurance Company Jimcor Agencies Monarch E&S Insurance Services Orion Commercial Insurance Services Inc. Safehold Special Risk Worldwide Facilities LLC

Excess Liability Commercial

Advanced E&S Group - Midwest Region All Risks Ltd. AMIS/Alliance Marketing & Insurance Services LLC Anderson & Murison Inc. Brownyard Group Canon Insurance Service CIBA Insurance Services Distinguished Programs EmergIn Risk Empire Underwriters LLC Global Special Risks Gorst & Compass Insurance Gridiron Insurance Underwriters Inc. Hallmark Financial Services Inc. J.M. Wilson James Klein Insurance James River Insurance Company Jamison Risk Services Kinsale Insurance Company Klein & Costa Insurance Services London Underwriters Nationwide Nautilus Insurance Co. & Great Divide Ins. Co. NBIS New Empire Group NIF Group Inc. Norman-Spencer Agency Inc. Orion Commercial Insurance Services Inc. Pacific Excess Insurance Marketing Pacific International Underwriters Philadelphia Insurance Companies Quadrant Insurance Managers R-T Specialty LLC R.E. Chaix & Assoc. RelMark Program Managers RLI Roush Insurance Services Inc.

Shield Commercial Insurance Services

Southern Insurance Underwriters Inc. CMGA Specialty Insurance Managers Inc. TAPCO Underwriters Inc. The McGowan Companies UFG Specialty Virtue Risk Partners LLC Western Security Surplus Insurance Brokers LLC Western Special Risks, Inc., a JenCap Holdings Company World Wide Specialty Programs Inc. Worldwide Facilities LLC

Excess Liability Personal ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Indemnity Excess & Surplus Agency Inc. R-T Specialty LLC Southern Insurance Underwriters Inc. CMGA Worldwide Facilities LLC

www.insurancejournal.com

Legend:

■ East

■ Midwest

■ Southeast

■ Texas/South Central

Excess Malpractice

■ ■ ■.■ ■. Jamison Risk Services

Excess Malpractice & Professional Liability

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Artex Risk Solutions Inc. EmergIn Risk Hallmark Financial Services Inc. Jamison Risk Services Negley Associates Worldwide Facilities LLC

Excess Maritime Employers Liability ■ ■ ■.■ ■. LIG Marine Managers ■ ■ ■.■ ■. Worldwide Facilities LLC

Excess Professional Liability

Artex Risk Solutions Inc. Berkley Select | a Berkley Company Executive Perils Hallmark Financial Services Inc. IAAC Inc. James River Insurance Company Jamison Risk Services Number One Insurance Agency Professional Insurance Concepts ProSurance Group Inc. Quadrant Insurance Managers World Wide Specialty Programs Inc. Worldwide Facilities LLC

Excess Property Commercial

Artex Risk Solutions Inc. Hallmark Financial Services Inc. James River Insurance Company Nationwide RLI Velocity Risk Underwriters LLC Worldwide Facilities LLC

Self-Insured Excess Coverage

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■ ■ ■ ■ ■ ■.■ ■.

Artex Risk Solutions Inc. Gray Specialty Midlands Management Corp.

Midwest Employers Casualty Russell Bond & Co. Inc.

Self-Insured Risks

■ ■ ■.■ ■. Artex Risk Solutions Inc. ■ ■ ■.■ ■. Gray Specialty

Stop Loss Excess Aggregate ■ ■ ■.■ ■. Artex Risk Solutions Inc.

Umbrella Liability Commercial

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■ ■ ■ ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Access E&S Insurance Services (VA) Admiral Insurance Group AMIS/Alliance Marketing & Insurance Services LLC Arlington/Roe Artex Risk Solutions Inc. Ashley General Agency Bass Underwriters Braishfield Brecht & Associates Coastal Insurance Underwriters Inc. Consumer Specialties Insurance Co. (RRG) Continental Underwriters Inc. DFCORBY Insurance Services Distinguished Programs Executive Insurance Professionals, PLLC Great American Insurance Group, Specialty Human Services HULL & Company Inc. Indemnity Excess & Surplus Agency Inc. International Excess Companies Irwin Siegel Agency J.M. Wilson James Klein Insurance Keating Brokerage Kevin Davis Insurance Services King Insurance Support Systems LIG Marine Managers MainstreetUmbrella.com MiniCo Insurance Agency LLC Monarch E&S Insurance Services NBIS New Empire Group NIF Group Inc. Number One Insurance Agency Orion Commercial Insurance Services Inc. Patriot National Underwriters Inc. PersonalUmbrella.com

Preferred Property Programs

RLI Russell Bond & Co. Inc. Southwest Risk Specialty Insurance Managers Inc. The McGowan Companies U.S. Risk Insurance Group LLC Western Security Surplus Insurance Brokers LLC Western Special Risks, Inc., a JenCap Holdings Company Woodlands Insurance Services LLC World Wide Specialty Programs Inc. Worldwide Facilities, LLC; MHI-MGA Division

www.insurancejournal.com

■ Not Available (Italicized companies offer binding authority.)

Umbrella Liability Personal

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■ ■ ■ ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Abram Interstate Insurance Services Inc. Anderson & Murison Inc. Braishfield Frontline Insurance HULL & Company Inc. IAAC Inc. Insurance House International Excess Companies J.E. Brown & Associates Jacobs & Associates Inc. MainstreetUmbrella.com Monarch E&S Insurance Services MyMGA.com Number One Insurance Agency

PersonalUmbrella.com

R-T Specialty LLC RLI Russell Bond & Co. Inc. Shelly, Middlebrooks & O’Leary Inc. (Jacksonville) South & Western General Agency Inc.

Workers’ Comp

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Artex Risk Solutions Inc. Breckenridge Insurance Services Gray Specialty Keating Brokerage Legacy Employer Concepts LLC LIG Marine Managers Shield Commercial Insurance Services

Farm & Animal Commercial Risks Dairies ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Agricultural Insurance Mgmt Services Sierra Specialty South & Western General Agency Inc. Tejas American General Agency

Equestrian & Equine-Related Business

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Agricultural Insurance Mgmt Services Allen Financial Ins. Group / The Equestrian Group Arlington/Roe James Klein Insurance Prime Insurance Company R-T Specialty LLC Sierra Specialty Tejas American General Agency

Horse & Carriage Risks

■ ■ ■.■ ■. Allen Financial Ins. Group / The Equestrian Group ■ ■ ■.■ ■. Prime Insurance Company

Horse Breeders/Boarders ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Abram Interstate Insurance Services Inc. Agricultural Insurance Mgmt Services Allen Financial Ins. Group / The Equestrian Group Tejas American General Agency

Horse Farms ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Agricultural Insurance Mgmt Services Allen Financial Ins. Group / The Equestrian Group Sierra Specialty South & Western General Agency Inc. Tejas American General Agency

Horse Mortality Surgical & Medical

■ ■ ■.■ ■. Agricultural Insurance Mgmt Services ■ ■ ■.■ ■. Allen Financial Ins. Group / The Equestrian Group ■ ■ ■.■ ■. James Klein Insurance

Livestock Comm. Feedlot Reporting Farm ■ ■ ■.■ ■. Sierra Specialty ■ ■ ■.■ ■. Tejas American General Agency

Livestock Haulers ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Allen Financial Ins. Group / The Equestrian Group Pacific Gateway Insurance Agency Sierra Specialty Tejas American General Agency

Livestock--Care, Custody or Control ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Agricultural Insurance Mgmt Services Allen Financial Ins. Group / The Equestrian Group Sierra Specialty Tejas American General Agency

Pet & Feed Supply Stores

■ ■ ■.■ ■. Sierra Specialty ■ ■ ■.■ ■. Tejas American General Agency

■ ■ ■.■ ■. T.H.E. Insurance Company ■ ■ ■.■ ■. Tejas American General Agency

Saddle Animal Liability

■ ■ ■.■ ■. Allen Financial Ins. Group / The Equestrian Group ■ ■ ■.■ ■. T.H.E. Insurance Company ■ ■ ■.■ ■. Tejas American General Agency

Farm & Ranch Owners Cannabis / Marijuana Growers

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Allen Financial Ins. Group / The Equestrian Group AmRisk Insurance Services Legacy Employer Concepts LLC M.J. Hall & Company Inc. NIF Group Inc. Professional Program Ins. Brokerage, a Div of SPG Ins. Solutions

Commercial Agribusiness

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Agricultural Insurance Mgmt Services Allen Financial Ins. Group / The Equestrian Group Arlington/Roe Global Special Risks Legacy Employer Concepts LLC Sierra Specialty Southern Insurance Underwriters Inc. CMGA Tejas American General Agency

Farm & Ranch Owners Equipment

■ ■ ■.■ ■. Agricultural Insurance Mgmt Services ■ ■ ■.■ ■. Allen Financial Ins. Group / The Equestrian Group ■ ■ ■.■ ■. Tejas American General Agency

Farm & Ranch Owners Liability (only)

■ ■ ■.■ ■. Allen Financial Ins. Group / The Equestrian Group ■ ■ ■.■ ■. Tejas American General Agency

Farm & Ranch Owners Property (only)

■ ■ ■.■ ■. Allen Financial Ins. Group / The Equestrian Group ■ ■ ■.■ ■. Tejas American General Agency

FRO Package

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Abram Interstate Insurance Services Inc. Allen Financial Ins. Group / The Equestrian Group Continental Brokers Inc. James Klein Insurance Sierra Specialty South & Western General Agency Inc. Southern Insurance Underwriters Inc. CMGA Tejas American General Agency

Product Contamination/Recall

■ ■ ■.■ ■. Cooper & McCloskey Inc. ■ ■ ■.■ ■. Professional Liability Insurance Services - Underwriting Facilities

Financial Institution Services Collateral Protection Insurance

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Financial Insurance Consultants LLC Innovative Risk Solutions J.B. Lloyd & Associates, A Member Company of US Risk Meridian Finance Group

Diversified Financial Products ■ ■ ■.■ ■. Meridian Finance Group

Financial Institutions

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■ ■ ■ ■ ■ ■.■ ■.

Agentic Insurance LLC Executive Perils Financial Insurance Consultants LLC Great American Insurance Group - Executive Liability Division Houston International Insurance Group Innovative Risk Solutions J.B. Lloyd & Associates, A Member Company of US Risk Meridian Finance Group ProSurance Group Inc. R-T Specialty LLC

U.S. Risk Insurance Group LLC Worldwide Facilities LLC

Financial Reinsurance ■ ■ ■.■ ■. Edge Management

Forced Placed & Foreclosure Property

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Financial Insurance Consultants LLC Innovative Risk Solutions J.B. Lloyd & Associates, A Member Company of US Risk Ross Diversified Insurance Services

Investment Advisors

Pet Salon & Kennel

■ ■ ■.■ ■. Allen Financial Ins. Group / The Equestrian Group

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Poultry Houses

Lenders Simple Interest/VSI/BSI

■ ■ ■.■ ■. Continental Brokers Inc. ■ ■ ■.■ ■. Prime Insurance Company

Racehorses

■ ■ ■.■ ■. Agricultural Insurance Mgmt Services

Rodeos & Horse Shows

■ ■ ■.■ ■. Allen Financial Ins. Group / The Equestrian Group ■ ■ ■.■ ■. Prime Insurance Company

Donald Gaddis Co. Inc. Insurance Svcs Executive Perils ProSurance Group Inc. Worldwide Facilities LLC

■ ■ ■.■ ■. Financial Insurance Consultants LLC ■ ■ ■.■ ■. Innovative Risk Solutions ■ ■ ■.■ ■. J.B. Lloyd & Associates, A Member Company of US Risk

Life Insurance for Lenders Risk ■ ■ ■.■ ■. Edge Management ■ ■ ■.■ ■. Hyers and Associates Inc.

January 27, 2020 INSURANCE JOURNAL | 47

2020 National Directory of Excess, Surplus and Specialty Markets, Volume I

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

■ West

Legend:

■ East

■ Midwest

■ Southeast

■ Texas/South Central

Private Equity ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Continental Brokers Inc. Executive Perils Innovative Risk Solutions Worldwide Facilities LLC

Flood & Related Flood--Commercial

AmWINS Group Inc. - 118+ Locations Worldwide Anderson & Murison Inc. Bass Underwriters Coastal Insurance Underwriters Inc. Crouse & Associates Delta General Agency Corp. Flood Risk Solutions Inc. FTP of California Gridiron Insurance Underwriters Inc. Jimcor Agencies MAXIMUM Number One Insurance Agency Pacific Excess Insurance Marketing Ross Diversified Insurance Services Safehold Special Risk Worldwide Facilities LLC

2020 National Directory of Excess, Surplus and Specialty Markets, Volume I

Flood--Personal

AmWINS Group Inc. - 118+ Locations Worldwide Anderson & Murison Inc. Bass Underwriters BUA LLC Delta General Agency Corp. Flood Risk Solutions Inc. Foremost Insurance Group Frontline Insurance FTP of California Gridiron Insurance Underwriters Inc. Jimcor Agencies Number One Insurance Agency R-T Specialty LLC Ross Diversified Insurance Services Safehold Special Risk Worldwide Facilities LLC

Foreign Coverages Exporters Package

■ ■ ■.■ ■. Clements Worldwide ■ ■ ■.■ ■. Meridian Finance Group

Foreign

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Clements Worldwide MacAfee & Edwards Inc. - Mexican Insurance Specialist Meridian Finance Group Woodlands Insurance Services LLC

International

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Clements Worldwide Hagerty MacAfee & Edwards Inc. - Mexican Insurance Specialist Meridian Finance Group Mexico Insurance Online R-T Specialty LLC Specialty Insurance Managers Inc. USASIA Insurance Services

International Kidnap Insurance ■ ■ ■.■ ■. Clements Worldwide

International Medical, Disability, Life ■ ■ ■.■ ■. Clements Worldwide

Kidnap and Ransom

■ ■ ■.■ ■. Clements Worldwide ■ ■ ■.■ ■. Victor Insurance Managers Inc.

Mexican Commercial Lines

■ ■ ■.■ ■. Clements Worldwide ■ ■ ■.■ ■. MacAfee & Edwards Inc. - Mexican Insurance Specialist

Mexican Personal Lines

■ West

■ Not Available (Italicized companies offer binding authority.)

HULL & Company Inc. Mexico Insurance Online Pacific International Underwriters Risk Theory LLC RSI International Inc. Sierra Specialty Southern Insurance Underwriters Inc. CMGA Sun Coast General Insurance Agency Victor Insurance Managers Inc. Worldwide Facilities, LLC; MHI-MGA Division

Auto Service and Repair

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■ ■ ■ ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Anderson & Murison Inc. Arrowhead General Insurance Agency Inc. Braishfield CID Insurance Programs Inc. Cochrane and Company Continental Brokers Inc. Delta General Agency Corp. DMI Insurance Services Erickson-Larsen Inc. Gorst & Compass Insurance Jacobs & Associates Inc. Jimcor Agencies Nationwide Pacific Gateway Insurance Agency Pacific International Underwriters

Philadelphia Insurance Companies

Risk Theory LLC Sierra Specialty Western Special Risks, Inc., a JenCap Holdings Company Worldwide Facilities, LLC; MHI-MGA Division

Garage Keepers Auto Services

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Arrowhead General Insurance Agency Inc. Norman-Spencer Agency Inc. Pacific Gateway Insurance Agency RSI International Inc. UFG Specialty Worldwide Facilities LLC

Garage Keepers Legal Liability/Dealers Open Lot

Empire Underwriters LLC International Transportation & Marine Agency Inc. McLeckie Insurance Group National Advantage Insurance Services Inc. Risk Theory LLC RSI International Inc. Russell Bond & Co. Inc. Shelly, Middlebrooks & O’Leary Inc. (Jacksonville) Specialty Insurance Managers Inc. Victor Insurance Managers Inc. Worldwide Facilities, LLC; MHI-MGA Division

Garage Liability

All Risks Ltd. AmWINS Group Inc. - 118+ Locations Worldwide Ashley General Agency Bass Underwriters CRC Insurance Services DMI Insurance Services Empire Underwriters LLC Gorst & Compass Insurance HULL & Company Inc. J.M. Wilson Jimcor Agencies London Underwriters MJ Kelly NIF Group Inc. Pacific Gateway Insurance Agency Quirk & Company R.E. Chaix & Assoc. Risk Theory LLC RSI International Inc. Specialty Insurance Managers Inc. USASIA Insurance Services Worldwide Facilities LLC Worldwide Facilities, LLC; MHI-MGA Division

■ ■ ■.■ ■. Clements Worldwide ■ ■ ■.■ ■. MacAfee & Edwards Inc. - Mexican Insurance Specialist ■ ■ ■.■ ■. Mexico Insurance Online

Garage Liability (Substandard)

Mexican Tourist Auto

Garage Liability Hazard II

■ ■ ■.■ ■. Klein & Costa Insurance Services ■ ■ ■.■ ■. NIF Group Inc.

■ ■ ■.■ ■. Clements Worldwide ■ ■ ■.■ ■. MacAfee & Edwards Inc. - Mexican Insurance Specialist ■ ■ ■.■ ■. Mexico Insurance Online

■ ■ ■.■ ■. Brecht & Associates ■ ■ ■.■ ■. DMI Insurance Services ■ ■ ■.■ ■. Worldwide Facilities LLC

Political Risk

General Liability

■ ■ ■.■ ■. Clements Worldwide ■ ■ ■.■ ■. Meridian Finance Group

■ ■ ■.■ ■. DMI Insurance Services ■ ■ ■.■ ■. Specialty Insurance Managers Inc.

Travel Medical Evacuation

On-Hook Coverage

■ ■ ■.■ ■. Mexico Insurance Online

Garage Auto Dealers

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

AmWINS Group Inc. - 118+ Locations Worldwide Burns & Wilcox CID Insurance Programs Inc. DMI Insurance Services Executive Insurance Professionals, PLLC Gorst & Compass Insurance

48 | INSURANCE JOURNAL January 27, 2020

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Erickson-Larsen Inc. International Transportation & Marine Agency Inc. McLeckie Insurance Group National Indemnity Company NBIS

Service Operations

■ ■ ■.■ ■. Brecht & Associates ■ ■ ■.■ ■. DMI Insurance Services ■ ■ ■.■ ■. Pacific Gateway Insurance Agency

■ ■ ■.■ ■. Southern Insurance Underwriters Inc. CMGA

Used Car Dealers

AmWINS Group Inc. - 118+ Locations Worldwide Brecht & Associates Cochrane and Company Delta General Agency Corp. DMI Insurance Services Empire Underwriters LLC Erickson-Larsen Inc. Gorst & Compass Insurance J.M. Wilson Jacobs & Associates Inc. McLeckie Insurance Group National Indemnity Company RSI International Inc. Sierra Specialty Southern Insurance Underwriters Inc. CMGA Sun Coast General Insurance Agency Victor Insurance Managers Inc. Western Special Risks, Inc., a JenCap Holdings Company Worldwide Facilities, LLC; MHI-MGA Division

Hospitality Banquet Halls

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Founders Insurance Company Wilson Smith Group LLC Worldwide Facilities LLC www.insurancehelper.com

Bars/Night Clubs

Advanced E&S Group - Midwest Region All Risks Ltd. Bass Underwriters Brecht & Associates CapSpecialty Cochrane and Company CRC Insurance Services Erickson-Larsen Inc. Executive Insurance Professionals, PLLC Flood Risk Solutions Inc. Founders Insurance Company Gorst & Compass Insurance Houston International Insurance Group Integrated Specialty Coverages (ISC) International Excess Companies J.M. Wilson Jacobs & Associates Inc. James River Insurance Company Jimcor Agencies Klein & Costa Insurance Services M.J. Hall & Company Inc. MAXIMUM Pacific Excess Insurance Marketing Pacific Gateway Insurance Agency

Philadelphia Insurance Companies

Prime Insurance Company Professional Liability Insurance Services - Underwriting Facilities R-T Specialty LLC Russell Bond & Co. Inc. Specialty Insurance TAPCO Underwriters Inc. U.S. Risk Insurance Group LLC UFG Specialty USASIA Insurance Services Western Security Surplus Insurance Brokers LLC Worldwide Facilities LLC Worldwide Facilities, LLC; MHI-MGA Division

Bed & Breakfasts

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Berkley Select | a Berkley Company Founders Insurance Company North Central Agency Inc. Professional Liability Insurance Services - Underwriting Facilities The McGowan Companies Wilson Smith Group LLC

Breweries/Micro

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Braishfield CID Insurance Programs Inc. Founders Insurance Company Houston International Insurance Group Integrated Specialty Coverages (ISC) Jimcor Agencies Philadelphia Insurance Companies

Casinos

■ ■ ■.■ ■. K&K Insurance Group Inc. ■ ■ ■.■ ■. MAXIMUM ■ ■ ■.■ ■. The McGowan Companies

Caterers

CID Insurance Programs Inc. Eventsured Executive Insurance Professionals, PLLC Founders Insurance Company Nautilus Insurance Co. & Great Divide Ins. Co. Professional Liability Insurance Services - Underwriting Facilities Specialty Insurance TAPCO Underwriters Inc. Wilson Smith Group LLC www.insurancehelper.com

www.insurancejournal.com

Legend:

■ East

■ Midwest

■ Southeast

■ Texas/South Central

Dinner Theaters

■ ■ ■.■ ■. Philadelphia Insurance Companies ■ ■ ■.■ ■. Wilson Smith Group LLC

Gentlemens Clubs

Ashley General Agency Erickson-Larsen Inc. Founders Insurance Company James River Insurance Company Jimcor Agencies MAXIMUM NeitClem Wholesale Insurance Brokerage Inc. NIF Group Inc. Prime Insurance Company U.S. Risk Insurance Group LLC UFG Specialty Worldwide Facilities LLC

Hotels/Motels Packages

Abram Interstate Insurance Services Inc. All Risks Ltd. AmWINS Group Inc. - 118+ Locations Worldwide Berkley Select | a Berkley Company Brecht & Associates CID Insurance Programs Inc. Cochrane and Company CRC Insurance Services Empire Underwriters LLC Erickson-Larsen Inc. Executive Insurance Professionals, PLLC Flood Risk Solutions Inc. FTP of California Gorst & Compass Insurance Jimcor Agencies Klein & Costa Insurance Services MJ Kelly NeitClem Wholesale Insurance Brokerage Inc. Pacific Excess Insurance Marketing Patriot National Underwriters Inc. Professional Liability Insurance Services - Underwriting Facilities Roush Insurance Services Inc. South & Western General Agency Inc. TAPCO Underwriters Inc. The McGowan Companies Western Special Risks, Inc., a JenCap Holdings Company Wilson Smith Group LLC Worldwide Facilities LLC Worldwide Facilities, LLC; MHI-MGA Division

Internet Risks

■ ■ ■.■ ■. Gerald J. Wilkoff Inc.

Resorts

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

CapSpecialty Eventsured Founders Insurance Company K&K Insurance Group Inc. Philadelphia Insurance Companies Professional Liability Insurance Services - Underwriting Facilities The McGowan Companies Wilson Smith Group LLC

Restaurants

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■ ■ ■ ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Abram Interstate Insurance Services Inc. Advanced E&S Group - Midwest Region

Advanced E&S Group - Southeast Region

AmWINS Group Inc. - 118+ Locations Worldwide Anderson & Murison Inc. Bass Underwriters Berkley Select | a Berkley Company Braishfield Brecht & Associates Burns & Wilcox CapSpecialty CID Insurance Programs Inc. Cochrane and Company Continental Brokers Inc. Delta General Agency Corp. Empire Underwriters LLC Erickson-Larsen Inc. Flood Risk Solutions Inc. Founders Insurance Company FTP of California Houston International Insurance Group Integrated Specialty Coverages (ISC) International Excess Companies J.M. Wilson Jacobs & Associates Inc. Jimcor Agencies Legacy Employer Concepts LLC London Underwriters M.J. Hall & Company Inc. MAXIMUM McLeckie Insurance Group MJ Kelly Nautilus Insurance Co. & Great Divide Ins. Co. Norman-Spencer Agency Inc. Pacific Excess Insurance Marketing Pacific Gateway Insurance Agency Patriot National Underwriters Inc. Philadelphia Insurance Companies Professional Liability Insurance Services - Underwriting Facilities

www.insurancejournal.com

Spas

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

■ Not Available (Italicized companies offer binding authority.)

Promont Insurance Advisors Shelly, Middlebrooks & O’Leary Inc. (Jacksonville) South & Western General Agency Inc. Southwest Risk Specialty Insurance TAPCO Underwriters Inc. The McGowan Companies UFG Specialty USASIA Insurance Services Western Surplus Lines Agency Inc. Wilson Smith Group LLC Worldwide Facilities, LLC; MHI-MGA Division CapSpecialty Continental Brokers Inc. Insurtec Tanning and Spa Insurance Pacific International Underwriters Professional Program Ins. Brokerage, a Div of SPG Ins. Solutions TAPCO Underwriters Inc. Universal Insurance Programs Wilson Smith Group LLC

Special Events

Abram Interstate Insurance Services Inc. CapSpecialty Charity First Insurance Services Inc. Eventsured Executive Insurance Professionals, PLLC Founders Insurance Company James River Insurance Company K&K Insurance Group Inc. Pacific Excess Insurance Marketing Pacific Gateway Insurance Agency Pacific International Underwriters Sports & Fitness Insurance Corporation (SFIC) TAPCO Underwriters Inc. Wilson Smith Group LLC Worldwide Facilities, LLC; MHI-MGA Division www.insurancehelper.com

Inland Marine Bailee ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Ascinsure Specialty Risk Gridiron Insurance Underwriters Inc. International Transportation & Marine Agency Inc. NBIS Worldwide Facilities LLC

Builders Risk

Ascinsure Specialty Risk Bass Underwriters Canon Insurance Service Commercial Sector Insurance Brokers LLC DFCORBY Insurance Services Gridiron Insurance Underwriters Inc. Indemnity Excess & Surplus Agency Inc. Kinsale Insurance Company London Underwriters MacAfee & Edwards Inc. - Mexican Insurance Specialist Maritime Program Group McLeckie Insurance Group National Advantage Insurance Services Inc. NeitClem Wholesale Insurance Brokerage Inc. Orion Commercial Insurance Services Inc. Safehold Special Risk South & Western General Agency Inc. Southwest Risk Specialty Insurance Managers Inc. The Hanover Insurance Group U.S. Risk Insurance Group LLC UFG Specialty US Assure Victor Insurance Managers Inc. Woodlands Insurance Services LLC Worldwide Facilities LLC Worldwide Facilities, LLC; MHI-MGA Division

Contractors Equipment

Apollo General Ins. Agency Inc. Ascinsure Specialty Risk Ashley General Agency Bass Underwriters Continental Underwriters Inc. DFCORBY Insurance Services Executive Insurance Professionals, PLLC Global Special Risks Gridiron Insurance Underwriters Inc. International Excess Companies Kinsale Insurance Company MacAfee & Edwards Inc. - Mexican Insurance Specialist Maritime Program Group McLeckie Insurance Group MJ Kelly National Advantage Insurance Services Inc. Nautilus Insurance Co. & Great Divide Ins. Co. NBIS North Central Agency Inc. Patriot National Underwriters Inc. Redstone Underwriters Risk Theory LLC RLI

Safehold Special Risk

Shield Commercial Insurance Services SIS Wholesale Insurance Services Specialty Risk Associates Inc. UFG Specialty US Assure USASIA Insurance Services Western Surplus Lines Agency Inc. Woodlands Insurance Services LLC Worldwide Facilities LLC

EDP

■ ■ ■.■ ■. Continental Underwriters Inc. ■ ■ ■.■ ■. Gridiron Insurance Underwriters Inc. ■ ■ ■.■ ■. Worldwide Facilities LLC

Equipment Floaters

Ascinsure Specialty Risk Continental Underwriters Inc. Gridiron Insurance Underwriters Inc. International Transportation & Marine Agency Inc. King Insurance Support Systems Klein & Costa Insurance Services Maritime Program Group McLeckie Insurance Group National Advantage Insurance Services Inc. NBIS North Central Agency Inc. R.E. Chaix & Assoc. Safehold Special Risk Shelly, Middlebrooks & O’Leary Inc. (Jacksonville) SIS Wholesale Insurance Services Western Surplus Lines Agency Inc. Worldwide Facilities LLC

Floaters (Misc.)

■ ■ ■.■ ■. All Solutions PBS LLC ■ ■ ■.■ ■. Gridiron Insurance Underwriters Inc. ■ ■ ■.■ ■. Worldwide Facilities LLC

Installation Floaters ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Ascinsure Specialty Risk Maritime Program Group NBIS Safehold Special Risk Shield Commercial Insurance Services UFG Specialty US Assure Worldwide Facilities LLC

Installment Sales Floaters

■ ■ ■.■ ■. Gridiron Insurance Underwriters Inc.

Motor Truck Cargo

AmWINS Transportation Underwriters Inc. Ascinsure Specialty Risk Brecht & Associates Commercial Sector Insurance Brokers LLC Evolution Insurance Brokers Global Special Risks Gridiron Insurance Underwriters Inc. Interline Insurance Services International Excess Companies International Transportation & Marine Agency Inc. IPA Risk Management LLC London Underwriters MacAfee & Edwards Inc. - Mexican Insurance Specialist Maritime Program Group McLeckie Insurance Group National Advantage Insurance Services Inc. NBIS Norman-Spencer Agency Inc. Pacific Gateway Insurance Agency Patriot National Underwriters Inc. R-T Specialty LLC R.E. Chaix & Assoc. RLI RockLake Insurance Group Inc. Specialty Insurance Managers Inc. Sun Coast General Insurance Agency Transportation Risk Underwriters Western Security Surplus Insurance Brokers LLC Worldwide Facilities LLC Worldwide Facilities, LLC; MHI-MGA Division

Personal Property Floaters ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Braishfield King Insurance Support Systems Maritime Program Group Monarch E&S Insurance Services R-T Specialty LLC

Warehousemens Liability ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Gridiron Insurance Underwriters Inc. International Transportation & Marine Agency Inc. MAXIMUM National Advantage Insurance Services Inc. NBIS Worldwide Facilities LLC

January 27, 2020 INSURANCE JOURNAL | 49

2020 National Directory of Excess, Surplus and Specialty Markets, Volume I

■ West

Legend:

■ East

■ Midwest

■ Southeast

■ Texas/South Central

Internet Related Risks Cyber Liability

2020 National Directory of Excess, Surplus and Specialty Markets, Volume I

E&O

Access E&S Insurance Services (VA) Agentic Insurance LLC All Risks Ltd. American Eagle Underwriting Managers Brownyard Group Burns & Wilcox CID Insurance Programs Inc. CITA Insurance Services, a Div. of Brown & Brown Cooper & McCloskey Inc. Eaton Professional Insurance Services eKo Specialty Insurance Services Inc. EmergIn Risk Gerald J. Wilkoff Inc. Global Special Risks Gumtree Wholesale Insurance Brokers Inc. Indemnity Excess & Surplus Agency Inc. International Excess Companies Irwin Siegel Agency Jacobs & Associates Inc. Klein & Costa Insurance Services London Underwriters NIF Group Inc. Preferred Property Programs ProSurance Group Inc. Quadrant Insurance Managers Russell Bond & Co. Inc. Safehold Special Risk The McGowan Companies Worldwide Facilities LLC Access E&S Insurance Services (VA) All Solutions PBS LLC Cooper & McCloskey Inc. EmergIn Risk Gumtree Wholesale Insurance Brokers Inc. Indemnity Excess & Surplus Agency Inc. London Underwriters NeitClem Wholesale Insurance Brokerage Inc. NIF Group Inc. The Hanover Insurance Group Western Special Risks, Inc., a JenCap Holdings Company Worldwide Facilities LLC

E-Commerce Risks

■ ■ ■.■ ■. Gerald J. Wilkoff Inc.

Internet Service Providers ■ ■ ■.■ ■. EmergIn Risk

Software Designers

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Access E&S Insurance Services (VA) Eaton Professional Insurance Services EmergIn Risk Fox Point Programs Russell Bond & Co. Inc. Worldwide Facilities LLC

Web Site Designers

■ ■ ■.■ ■. Eaton Professional Insurance Services ■ ■ ■.■ ■. EmergIn Risk

Liability Apartments (liability only)

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■ ■ ■ ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Advanced E&S Group - Southeast Region Delta General Agency Corp. Distinguished Programs

James River Insurance Company

Nautilus Insurance Co. & Great Divide Ins. Co. Philadelphia Insurance Companies Quadrant Insurance Managers RLI Southwest Risk TAPCO Underwriters Inc.

Comprehensive Personal Liability (CPL)

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Abram Interstate Insurance Services Inc. Anderson & Murison Inc. Braishfield National Advantage Insurance Services Inc. R-T Specialty LLC Specialty Risk Associates Inc. TAPCO Underwriters Inc.

General Liability (GL)

Admiral Insurance Group AmRisk Insurance Services Anderson & Murison Inc. Bass Underwriters Berkley Specialty Underwriting Managers - Environmental Div Breckenridge Insurance Services CIBA Insurance Services CID Insurance Programs Inc. Coastal Insurance Underwriters Inc. Consumer Specialties Insurance Co. (RRG) Continental Underwriters Inc. Costanza Insurance Agency Inc. CRC Insurance Services DFCORBY Insurance Services Distinguished Programs

50 | INSURANCE JOURNAL January 27, 2020

■ West

■ Not Available (Italicized companies offer binding authority.)

Empire Underwriters LLC Executive Insurance Professionals, PLLC Gridiron Insurance Underwriters Inc. Indemnity Excess & Surplus Agency Inc. Insurance Canopy International Excess Companies Irwin Siegel Agency James Klein Insurance James River Insurance Company Kinsale Insurance Company Klein & Costa Insurance Services London Underwriters MAXIMUM McLeckie Insurance Group Midlands Management Corp. Nationwide Nautilus Insurance Co. & Great Divide Ins. Co. NBIS Negley Associates NeitClem Wholesale Insurance Brokerage Inc. NIF Group Inc. Norman-Spencer International Inc. North Central Agency Inc. Orion Commercial Insurance Services Inc. Pacific Excess Insurance Marketing Pacific Gateway Insurance Agency Patriot National Underwriters Inc. Philadelphia Insurance Companies Promont Insurance Advisors Quadrant Insurance Managers R-T Specialty LLC Redstone Underwriters Risk Theory LLC RLI Roush Insurance Services Inc. Russell Bond & Co. Inc. Shelly, Middlebrooks & O’Leary Inc. (Jacksonville)

Shield Commercial Insurance Services

Southwest Risk Specialty Insurance Specialty Insurance Managers Inc. Specialty Risk Associates Inc. Sports & Fitness Insurance Corporation (SFIC) TAPCO Underwriters Inc. Transportation Risk Underwriters UFG Specialty Western Security Surplus Insurance Brokers LLC Western Special Risks, Inc., a JenCap Holdings Company Western Surplus Lines Agency Inc. Wilson Smith Group LLC World Wide Specialty Programs Inc. Worldwide Facilities LLC

Homeowners Associations

Abram Interstate Insurance Services Inc. Advanced E&S Group - Midwest Region Braishfield Charity First Insurance Services Inc. Coastal Insurance Underwriters Inc. Continental Brokers Inc. DFCORBY Insurance Services Distinguished Programs Mexico Insurance Online NIF Group Inc. Preferred Property Programs U.S. Risk Insurance Group LLC Western World Insurance Group

Lessor`s Risk

Abram Interstate Insurance Services Inc. Advanced E&S Group - Midwest Region Advanced E&S Group - Southeast Region Bass Underwriters Brecht & Associates CapSpecialty CID Insurance Programs Inc. Distinguished Programs Gorst & Compass Insurance Gray-Stone & Co. IPA Risk Management LLC J.M. Wilson James River Insurance Company London Underwriters Nationwide Nautilus Insurance Co. & Great Divide Ins. Co. NIF Group Inc. North Central Agency Inc. Pacific Excess Insurance Marketing Philadelphia Insurance Companies Preferred Property Programs Promont Insurance Advisors Quirk & Company Roush Insurance Services Inc. Specialty Risk Associates Inc. The McGowan Companies UFG Specialty Western World Insurance Group

Owners, Landlords & Tenants (OLT)

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Admiral Insurance Group Bass Underwriters Distinguished Programs Evolution Insurance Brokers

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Innovative Risk Solutions James River Insurance Company North Central Agency Inc. Philadelphia Insurance Companies RLI Ross Diversified Insurance Services Specialty Risk Associates Inc. TAPCO Underwriters Inc. USASIA Insurance Services

Premises Liability

Admiral Insurance Group Distinguished Programs Eventsured Kinsale Insurance Company Klein & Costa Insurance Services Nautilus Insurance Co. & Great Divide Ins. Co. Specialty Risk Associates Inc. Sports & Fitness Insurance Corporation (SFIC) TAPCO Underwriters Inc. Virtue Risk Partners LLC www.insurancehelper.com

Liquor Liability Bars/Night Clubs (W/ Liquor Liability)

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■ ■ ■ ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Abram Interstate Insurance Services Inc. Advanced E&S Group - Midwest Region AmWINS Group Inc. - 118+ Locations Worldwide Ashley General Agency Brecht & Associates CapSpecialty Cochrane and Company CRC Insurance Services Donald Gaddis Co. Inc. Insurance Svcs Founders Insurance Company J.E. Brown & Associates Jacobs & Associates Inc. London Underwriters M.J. Hall & Company Inc. MJ Kelly NIF Group Inc. Number One Insurance Agency RSI International Inc. Specialty Insurance TAPCO Underwriters Inc.

U.S. Risk Insurance Group LLC

Western Security Surplus Insurance Brokers LLC Worldwide Facilities LLC

Liquor Dealers & Stores

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Advanced E&S Group - Midwest Region Founders Insurance Company Gorst & Compass Insurance NIF Group Inc. Number One Insurance Agency Specialty Insurance

Liquor Liability

Advanced E&S Group - Midwest Region Advanced E&S Group - Southeast Region All Solutions PBS LLC AmRisk Insurance Services Arlington/Roe Bass Underwriters Braishfield Brecht & Associates Burns & Wilcox CapSpecialty Coastal Insurance Underwriters Inc. Commercial Sector Insurance Brokers LLC Donald Gaddis Co. Inc. Insurance Svcs Eventsured Evolution Insurance Brokers Executive Insurance Professionals, PLLC Founders Insurance Company Houston International Insurance Group HULL & Company Inc. Indemnity Excess & Surplus Agency Inc. Insurance Canopy International Excess Companies Jimcor Agencies Klein & Costa Insurance Services London Underwriters NIF Group Inc. Number One Insurance Agency Pacific Excess Insurance Marketing R-T Specialty LLC Roush Insurance Services Inc. RSI International Inc. Russell Bond & Co. Inc. Specialty Insurance Specialty Insurance Managers Inc. TAPCO Underwriters Inc. U.S. Risk Insurance Group LLC USASIA Insurance Services Western Special Risks, Inc., a JenCap Holdings Company Wilson Smith Group LLC Worldwide Facilities LLC www.insurancehelper.com

Liquor Liability Host

■ ■ ■.■ ■. Advanced E&S Group - Midwest Region ■ ■ ■.■ ■. AmRisk Insurance Services

www.insurancejournal.com

Legend:

■ East

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

■ Midwest

■ Southeast

■ Texas/South Central

Eventsured Founders Insurance Company Insurance Canopy NIF Group Inc. TAPCO Underwriters Inc. www.insurancehelper.com

Manufacturing Risks Ammunition Manufacturers

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Cochrane and Company James River Insurance Company Joseph Chiarello & Co., Inc.; Firearms Business Insurance Program Philadelphia Insurance Companies

Building Supplies

■ West

■ Not Available (Italicized companies offer binding authority.)

Boat Repair Operations - Yards

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Arrowhead General Insurance Agency Inc. LIG Marine Managers Maritime Program Group Sun Coast General Insurance Agency TCA Inc. Woodlands Insurance Services LLC Worldwide Facilities LLC

Boat/PWC Rental Operations

■ ■ ■.■ ■. Maritime Program Group ■ ■ ■.■ ■. Markel Personal Lines ■ ■ ■.■ ■. Worldwide Facilities LLC

Bumbershoot

■ ■ ■.■ ■. Continental Underwriters Inc.

■ ■ ■.■ ■. Worldwide Facilities LLC

Chemical Manufacturers

C.O.F.R. (Certificate of Financial Responsibility)

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Access E&S Insurance Services (VA) Beacon Hill Associates Inc. Consumer Specialties Insurance Co. (RRG) James River Insurance Company Landmark E&S Insurance Brokers LLC NeitClem Wholesale Insurance Brokerage Inc. NIF Group Inc. Southwest Risk Woodlands Insurance Services LLC

Electrical & Electronic Equip. Manufacturers NIF Group Inc.

Philadelphia Insurance Companies Quirk & Company Woodlands Insurance Services LLC

Food Manufacturers/Producers

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. Facilities ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Insurance Canopy James River Insurance Company NeitClem Wholesale Insurance Brokerage Inc. NIF Group Inc. Pacific Excess Insurance Marketing Professional Liability Insurance Services Inc. - Underwriting Sierra Specialty The McGowan Companies

Furniture & Fixtures Manufacturers

■ ■ ■.■ ■. CID Insurance Programs Inc. ■ ■ ■.■ ■. Continental Underwriters Inc.

Medical Equipment Manufacturers

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

CRC Insurance Services James Klein Insurance James River Insurance Company LifeScienceRisk NIF Group Inc. Professional Program Ins. Brokerage, a Div of SPG Ins. Solutions

Metal & Plastics Manufacturers

CID Insurance Programs Inc. Continental Brokers Inc. Insurance Canopy James River Insurance Company Nautilus Insurance Co. & Great Divide Ins. Co. Patriot National Underwriters Inc. Philadelphia Insurance Companies R.E. Chaix & Assoc. Southwest Risk The McGowan Companies U.S. Risk Insurance Group LLC Western Special Risks, Inc., a JenCap Holdings Company

Product Contamination/Recall

■ ■ ■.■ ■. Cooper & McCloskey Inc. ■ ■ ■.■ ■. Professional Liability Insurance Services - Underwriting Facilities

Wood Products Manufacturing

■ ■ ■.■ ■. Continental Underwriters Inc. ■ ■ ■.■ ■. Insurance Canopy ■ ■ ■.■ ■. Philadelphia Insurance Companies

Marine Related Antique & Classic Boats

■ ■ ■.■ ■. Evolution Insurance Brokers ■ ■ ■.■ ■. Hagerty ■ ■ ■.■ ■. Markel Personal Lines

Boat Dealers

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Arrowhead General Insurance Agency Inc. LIG Marine Managers Maritime Program Group Mexico Insurance Online Safehold Special Risk TCA Inc. The Hanover Insurance Group Worldwide Facilities LLC

Boat Manufacturers

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

LIG Marine Managers Maritime Program Group Safehold Special Risk TCA Inc. Worldwide Facilities LLC

www.insurancejournal.com

Cargo

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

American Eagle Underwriting Managers London Underwriters Transportation Risk Underwriters Worldwide Facilities LLC

Charter Boats - Bareboat

■ ■ ■.■ ■. Markel Personal Lines ■ ■ ■.■ ■. Pacific International Underwriters ■ ■ ■.■ ■. Worldwide Facilities LLC

Charter Boats - Skippered

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

American Eagle Underwriting Managers Maritime Program Group Markel Personal Lines Pacific International Underwriters Sun Coast General Insurance Agency TCA Inc. Worldwide Facilities LLC

Commercial Marine

■ ■ ■.■ ■. American Eagle Underwriting Managers ■ ■ ■.■ ■. J.M. Wilson ■ ■ ■.■ ■. Worldwide Facilities LLC

Container (Marine) Insurance

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

International Transportation & Marine Agency Inc. IPA Risk Management LLC Maritime Program Group R.E. Chaix & Assoc. TCA Inc. Worldwide Facilities LLC

Dry Storage

■ ■ ■.■ ■. TCA Inc. ■ ■ ■.■ ■. Worldwide Facilities LLC

Excess Liability

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

American Eagle Underwriting Managers LIG Marine Managers Maritime Program Group TCA Inc. Worldwide Facilities LLC

Fishing Boats Commercial

■ ■ ■.■ ■. Markel Personal Lines ■ ■ ■.■ ■. Pacific International Underwriters ■ ■ ■.■ ■. Worldwide Facilities LLC

Fishing Guides

■ ■ ■.■ ■. Evolution Insurance Brokers ■ ■ ■.■ ■. Maritime Program Group ■ ■ ■.■ ■. Markel Personal Lines

High Performance Boats

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Hull/P&I

Arrowhead General Insurance Agency Inc. Hagerty Maritime Program Group Markel Personal Lines

American Eagle Underwriting Managers AmWINS Group Inc. - 118+ Locations Worldwide Arrowhead General Insurance Agency Inc. LIG Marine Managers Maritime Program Group Markel Personal Lines RLI Sun Coast General Insurance Agency TCA Inc. U.S. Risk Insurance Group LLC Woodlands Insurance Services LLC Worldwide Facilities LLC

Jet Pump Boats

■ ■ ■.■ ■. Markel Personal Lines

Jet Ski/PWC ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Foremost Insurance Group Hagerty Insurance House Maritime Program Group

Marina Operators

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Continental Brokers Inc. Maritime Program Group Mexico Insurance Online Sun Coast General Insurance Agency T.H.E. Insurance Company TCA Inc. The Hanover Insurance Group Worldwide Facilities LLC

Marinas, Boat Dealers/Repairers

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Arrowhead General Insurance Agency Inc. HULL & Company Inc. LIG Marine Managers Maritime Program Group Mexico Insurance Online Safehold Special Risk TCA Inc. Worldwide Facilities LLC

Marine Pollution ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Maritime Program Group TCA Inc. Virtue Risk Partners LLC Worldwide Facilities LLC

Maritime Employers Liability (MEL) ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■ ■ ■ ■ ■ ■.■ ■. ■ ■ ■.■ ■.

LIG Marine Managers TCA Inc.

U.S. Risk Insurance Group LLC Woodlands Insurance Services LLC Worldwide Facilities LLC

Ocean Marine

Arrowhead General Insurance Agency Inc. Insurance House International Transportation & Marine Agency Inc. IPA Risk Management LLC LIG Marine Managers London Underwriters Maritime Program Group RLI Specialty Insurance Managers Inc. TCA Inc. The Hanover Insurance Group Transportation Risk Underwriters USASIA Insurance Services Woodlands Insurance Services LLC Worldwide Facilities LLC

Oceanography Risks

■ ■ ■.■ ■. TCA Inc. ■ ■ ■.■ ■. Worldwide Facilities LLC

Passenger Vessel - Excursions

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

American Eagle Underwriting Managers HULL & Company Inc. LIG Marine Managers Maritime Program Group Markel Personal Lines TCA Inc. Worldwide Facilities LLC

Personal Watercraft - Liability & Phys Damage

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Arrowhead General Insurance Agency Inc. Evolution Insurance Brokers Foremost Insurance Group Hagerty Insurance House Maritime Program Group Markel Personal Lines Mexico Insurance Online

Private Pleasure Yachts

American Eagle Underwriting Managers Arrowhead General Insurance Agency Inc. Braishfield Burns & Wilcox HULL & Company Inc. Maritime Program Group Markel Personal Lines Midlands Management Corp. Safehold Special Risk Sun Coast General Insurance Agency TCA Inc.

Recreational Marine

■ ■ ■.■ ■. American Eagle Underwriting Managers ■ ■ ■.■ ■. Worldwide Facilities LLC

Ship Repairers

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

LIG Marine Managers Maritime Program Group TCA Inc. Woodlands Insurance Services LLC Worldwide Facilities LLC

Ski Boat/Small Boat Package ■ ■ ■.■ ■. Foremost Insurance Group ■ ■ ■.■ ■. Hagerty

January 27, 2020 INSURANCE JOURNAL | 51

2020 National Directory of Excess, Surplus and Specialty Markets, Volume I

■ ■ ■.■ ■. ■ ■ ■ ■ ■ ■ ■ ■.■ ■. ■ ■ ■.■ ■.

■ ■ ■.■ ■. TCA Inc. ■ ■ ■.■ ■. Worldwide Facilities LLC

■ ■ ■.■ ■. Markel Personal Lines ■ ■ ■.■ ■. South & Western General Agency Inc.

Legend:

■ East

■ Midwest

■ Southeast

■ Texas/South Central

■ ■ ■.■ ■. Insurance House ■ ■ ■.■ ■. Markel Personal Lines ■ ■ ■.■ ■. South & Western General Agency Inc.

Watercraft - Liability & Physical Damage

American Eagle Underwriting Managers Arlington/Roe Arrowhead General Insurance Agency Inc. Foremost Insurance Group Hagerty Insurance House Maritime Program Group Markel Personal Lines Mexico Insurance Online Midlands Management Corp. Pacific International Underwriters Russell Bond & Co. Inc. South & Western General Agency Inc. TCA Inc. Worldwide Facilities LLC

Wet Marine

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

American Eagle Underwriting Managers International Transportation & Marine Agency Inc. Maritime Program Group TCA Inc. Woodlands Insurance Services LLC Worldwide Facilities LLC

2020 National Directory of Excess, Surplus and Specialty Markets, Volume I

Yacht Clubs

■ ■ ■.■ ■. Legacy Employer Concepts LLC ■ ■ ■.■ ■. Mexico Insurance Online ■ ■ ■.■ ■. Worldwide Facilities LLC

Non-Profit & Related Charitable Organizations

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■ ■ ■ ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

AMIS/Alliance Marketing & Insurance Services LLC Berkley Select | a Berkley Company Charity First Insurance Services Inc. Gateway Specialty Insurance Great American Insurance Group - Executive Liability Division Great American Insurance Group, Specialty Human Services Irwin Siegel Agency Negley Associates Nonprofits Insurance Alliance Western World Insurance Group Worldwide Facilities LLC

Clubs/Groups

Berkley Select | a Berkley Company Charity First Insurance Services Inc. Evolution Insurance Brokers Gateway Specialty Insurance Great American Insurance Group - Executive Liability Division Great American Insurance Group, Specialty Human Services K&K Insurance Group Inc. Nautilus Insurance Co. & Great Divide Ins. Co. Nonprofits Insurance Alliance Pacific International Underwriters

Non-Profit Organizations

All Solutions PBS LLC Allsouth Professional Liability AMIS/Alliance Marketing & Insurance Services LLC AmWINS Group Inc. - 118+ Locations Worldwide Artex Risk Solutions Inc. Berkley Select | a Berkley Company Braishfield Burns & Wilcox Charity First Insurance Services Inc. CID Insurance Programs Inc. Eaton Professional Insurance Services Gateway Specialty Insurance Great American Insurance Group - Executive Liability Division Great American Insurance Group, Specialty Human Services Irwin Siegel Agency J.E. Brown & Associates Legacy Employer Concepts LLC Nautilus Insurance Co. & Great Divide Ins. Co. Negley Associates NIF Group Inc. Nonprofits Insurance Alliance Norman-Spencer Agency Inc. Pacific Gateway Insurance Agency Roush Insurance Services Inc. Russell Bond & Co. Inc. Shelly, Middlebrooks & O’Leary Inc. (Jacksonville) The Hanover Insurance Group UFG Specialty Victor Insurance Managers Inc. Western Special Risks, Inc., a JenCap Holdings Company Worldwide Facilities LLC

Religious Organizations

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■ ■ ■ ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

AMIS/Alliance Marketing & Insurance Services LLC Artex Risk Solutions Inc. Braishfield Charity First Insurance Services Inc. Gateway Specialty Insurance Great American Insurance Group - Executive Liability Division Great American Insurance Group, Specialty Human Services Promont Insurance Advisors Wilson Smith Group LLC

52 | INSURANCE JOURNAL January 27, 2020

■ West

■ Not Available (Italicized companies offer binding authority.)

Volunteers

■ ■ ■.■ ■. Charity First Insurance Services Inc. ■ ■ ■.■ ■. Negley Associates ■ ■ ■.■ ■. Nonprofits Insurance Alliance

Oil & Gas Control of Well/OEE

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

eKo Specialty Insurance Services Inc. Global Special Risks Quirk & Company Western Surplus Lines Agency Inc.

Offshore Oil Drilling & Service Risks

■ ■ ■.■ ■. Global Special Risks ■ ■ ■.■ ■. U.S. Risk Insurance Group LLC ■ ■ ■.■ ■. Woodlands Insurance Services LLC

Oil & Gas Risks

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■ ■ ■ ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

All Risks Ltd. AmWINS Group Inc. - 118+ Locations Worldwide Ashley General Agency Brecht & Associates Burns & Wilcox CRC Insurance Services Empire Underwriters LLC Global Special Risks Houston International Insurance Group International Excess Companies

James River Insurance Company Kinsale Insurance Company Patriot National Underwriters Inc. Quirk & Company Risk Theory LLC Southwest Risk Specialty Insurance Managers Inc. U.S. Risk Insurance Group LLC Western Surplus Lines Agency Inc. Woodlands Insurance Services LLC Worldwide Facilities LLC

Petrochemical Risks

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Global Special Risks James River Insurance Company Southwest Risk Woodlands Insurance Services LLC

Products Liability Chemical Products

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Beacon Hill Associates Inc. Canon Insurance Service Consumer Specialties Insurance Co. (RRG) James River Insurance Company Landmark E&S Insurance Brokers LLC NIF Group Inc. Woodlands Insurance Services LLC

Chemical Properties

■ ■ ■.■ ■. Consumer Specialties Insurance Co. (RRG) ■ ■ ■.■ ■. Landmark E&S Insurance Brokers LLC

Cosmetics Products

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Brownyard Group Canon Insurance Service Insurance Canopy Nautilus Insurance Co. & Great Divide Ins. Co. Professional Program Ins. Brokerage, a Div of SPG Ins. Solutions

Hazardous Products

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Canon Insurance Service Donald Gaddis Co. Inc. Insurance Svcs eKo Specialty Insurance Services Inc. James River Insurance Company Jimcor Agencies Landmark E&S Insurance Brokers LLC Woodlands Insurance Services LLC

Medical Products

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Access E&S Insurance Services (VA) Admiral Insurance Group Founders Professional Insurance Canopy James River Insurance Company Professional Program Ins. Brokerage, a Div of SPG Ins. Solutions R-T Specialty LLC

New Products

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

DFCORBY Insurance Services Donald Gaddis Co. Inc. Insurance Svcs Insurance Canopy Jacobs & Associates Inc. Jimcor Agencies Philadelphia Insurance Companies Veracity Insurance Solutions Woodlands Insurance Services LLC

Nutraceuticals

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Admiral Insurance Group Insurance Canopy James River Insurance Company Jimcor Agencies LifeScienceRisk Professional Program Ins. Brokerage, a Div of SPG Ins. Solutions

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Quirk & Company R-T Specialty LLC Veracity Insurance Solutions Worldwide Facilities LLC

Pharmaceuticals

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Admiral Insurance Group Founders Professional HULL & Company Inc. Insurance Canopy James River Insurance Company LifeScienceRisk NIF Group Inc. R-T Specialty LLC

Product Contamination/Recall

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

All Solutions PBS LLC Cooper & McCloskey Inc. International Excess Companies Landmark E&S Insurance Brokers LLC

Products Liability (General)

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■ ■ ■ ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Admiral Insurance Group All Risks Ltd. AmWINS Group Inc. - 118+ Locations Worldwide Arlington/Roe Ashley General Agency Bass Underwriters Burns & Wilcox Calco Commercial Insurance Canon Insurance Service Commercial Sector Insurance Brokers LLC Consumer Specialties Insurance Co. (RRG) Continental Underwriters Inc. CRC Insurance Services Crouse & Associates DFCORBY Insurance Services Donald Gaddis Co. Inc. Insurance Svcs Gorst & Compass Insurance Indemnity Excess & Surplus Agency Inc. Insurance Canopy International Excess Companies J.M. Wilson James Klein Insurance

James River Insurance Company

Kinsale Insurance Company Klein & Costa Insurance Services MAXIMUM Monarch E&S Insurance Services Nautilus Insurance Co. & Great Divide Ins. Co. NeitClem Wholesale Insurance Brokerage Inc. NIF Group Inc. Nonprofits Insurance Alliance Orion Commercial Insurance Services Inc. Pacific Excess Insurance Marketing Patriot National Underwriters Inc. Philadelphia Insurance Companies Professional Program Ins. Brokerage, a Div of SPG Ins. Solutions Quirk & Company R.E. Chaix & Assoc. Russell Bond & Co. Inc. Southwest Risk Specialty Insurance Managers Inc.

The Mechanic Group, Div of Specialty Programs Grp

U.S. Risk Insurance Group LLC UFG Specialty USASIA Insurance Services Veracity Insurance Solutions Western Security Surplus Insurance Brokers LLC Western Special Risks, Inc., a JenCap Holdings Company Western Surplus Lines Agency Inc. Woodlands Insurance Services LLC Worldwide Facilities LLC www.insurancehelper.com

Products Recall Expense Ins.

■ ■ ■.■ ■. Canon Insurance Service ■ ■ ■.■ ■. Professional Liability Insurance Services - Underwriting Facilities

Professional Liability Accountants

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Allsouth Professional Liability Cooper & McCloskey Inc. Gray-Stone & Co. James River Insurance Company Jamison Risk Services Kinsale Insurance Company Norman-Spencer International Inc. Quirk & Company

Advertising Agencies

■ ■ ■.■ ■. Fox Point Programs ■ ■ ■.■ ■. MiniCo Insurance Agency LLC ■ ■ ■.■ ■. Shelly, Middlebrooks & O’Leary Inc. (Jacksonville)

Alarm Installers

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

AMIS/Alliance Marketing & Insurance Services LLC Brownyard Group Costanza Insurance Agency Inc. Sierra Specialty

The Mechanic Group, Div of Specialty Programs Grp www.insurancejournal.com

Legend:

■ East

■ Midwest

■ Southeast

■ Texas/South Central

Architects & Engineers

5Star Specialty Programs - All Offices Access E&S Insurance Services (VA) Admiral Insurance Group Agentic Insurance LLC All Solutions PBS LLC Allsouth Professional Liability AmWINS Group Inc. - 118+ Locations Worldwide ARC West Coast Excess & Surplus Brokerage LLC Arlington/Roe Braishfield Breckenridge Insurance Services Cooper & McCloskey Inc. CorRisk Solutions DFCORBY Insurance Services Donald Gaddis Co. Inc. Insurance Svcs Eaton Professional Insurance Services eKo Specialty Insurance Services Inc. Founders Professional Global Special Risks HULL & Company Inc. Intercorp Inc. James River Insurance Company Kinsale Insurance Company NeitClem Wholesale Insurance Brokerage Inc. Shelly, Middlebrooks & O’Leary Inc. (Jacksonville) Southern Insurance Underwriters Inc. CMGA Target Professional Programs Tokio Marine HCC

U.S. Risk Insurance Group LLC

Victor Insurance Managers Inc. Woodlands Insurance Services LLC Worldwide Facilities LLC

Asset Managers

■ ■ ■.■ ■. Jamison Risk Services ■ ■ ■.■ ■. Markel ■ ■ ■.■ ■. ProSurance Group Inc.

Bankers

■ ■ ■.■ ■. Edge Management

Beauticians ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

AMIS/Alliance Marketing & Insurance Services LLC Brownyard Group Insurance Canopy Professional Program Ins. Brokerage, a Div of SPG Ins. Solutions Western World Insurance Group

Billing Services (Incl. Medical)

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

EmergIn Risk Fox Point Programs MiniCo Insurance Agency LLC U.S. Risk Insurance Group LLC

Bookkeepers

■ ■ ■.■ ■. Fox Point Programs

Broadcasters & Publishers

■ ■ ■.■ ■. ARC West Coast Excess & Surplus Brokerage LLC ■ ■ ■.■ ■. Cooper & McCloskey Inc. ■ ■ ■.■ ■. EmergIn Risk

Caterers

■ ■ ■.■ ■. Fox Point Programs ■ ■ ■.■ ■. Insurance Canopy

Collection Agencies

■ ■ ■.■ ■. Trade Risk Partners Inc. ■ ■ ■.■ ■. Worldwide Facilities LLC

Computer & EDP Consultants

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Donald Gaddis Co. Inc. Insurance Svcs Eaton Professional Insurance Services Executive Insurance Professionals, PLLC Fox Point Programs International Excess Companies MiniCo Insurance Agency LLC Worldwide Facilities LLC

Consultants (General)

Access E&S Insurance Services (VA) Admiral Insurance Group All Solutions PBS LLC Berkley Specialty Underwriting Managers - Environmental Div CID Insurance Programs Inc. Commercial Sector Insurance Brokers LLC Cooper & McCloskey Inc. Eaton Professional Insurance Services EmergIn Risk Fox Point Programs Global Special Risks Gumtree Wholesale Insurance Brokers Inc. Indemnity Excess & Surplus Agency Inc. Intercorp Inc. International Excess Companies Jacobs & Associates Inc. James River Insurance Company Nonprofits Insurance Alliance Norman-Spencer International Inc. Professional Insurance Concepts Professional Liability Insurance Services - Underwriting Facilities Professional Program Ins. Brokerage, a Div of SPG Ins. Solutions

www.insurancejournal.com

■ Not Available (Italicized companies offer binding authority.)

■ ■ ■.■ ■. Tokio Marine HCC ■ ■ ■.■ ■. Worldwide Facilities LLC

Contractors

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■ ■ ■ ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Berkley Specialty Underwriting Managers - Environmental Div CorRisk Solutions James River Insurance Company Norman-Spencer International Inc.

Philadelphia Insurance Companies Southern Insurance Underwriters Inc. CMGA Virtue Risk Partners LLC

Counselors

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Crime

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Charity First Insurance Services Inc. Gray-Stone & Co. Great American Insurance Group, Specialty Human Services Nonprofits Insurance Alliance

ARC West Coast Excess & Surplus Brokerage LLC Gerald J. Wilkoff Inc. Jamison Risk Services King Insurance Support Systems Philadelphia Insurance Companies Professional Insurance Concepts

Cyber Liability

Access E&S Insurance Services (VA) Agentic Insurance LLC AmWINS Group Inc. - 118+ Locations Worldwide ARC West Coast Excess & Surplus Brokerage LLC Arlington/Roe Breckenridge Insurance Services CITA Insurance Services, a Div. of Brown & Brown Coastal Insurance Underwriters Inc. Cochrane and Company Cooper & McCloskey Inc. CorRisk Solutions Eaton Professional Insurance Services EmergIn Risk HULL & Company Inc. Irwin Siegel Agency J.M. Wilson Jamison Risk Services Kevin Davis Insurance Services King Insurance Support Systems Markel Philadelphia Insurance Companies ProSurance Group Inc. ProWriters R.E. Chaix & Assoc. The McGowan Companies U.S. Risk Insurance Group LLC Western Surplus Lines Agency Inc. World Wide Specialty Programs Inc. Worldwide Facilities LLC

E&O (General)

5Star Specialty Programs - All Offices Access E&S Insurance Services (VA) Admiral Insurance Group Agentic Insurance LLC All Risks Ltd. All Solutions PBS LLC Allsouth Professional Liability AMIS/Alliance Marketing & Insurance Services LLC Anderson & Murison Inc. ARC West Coast Excess & Surplus Brokerage LLC Arlington/Roe Ashley General Agency Burns & Wilcox CapSpecialty CID Insurance Programs Inc. Cochrane and Company Costanza Insurance Agency Inc. CRC Insurance Services Crouse & Associates Donald Gaddis Co. Inc. Insurance Svcs Eaton Professional Insurance Services eKo Specialty Insurance Services Inc. EmergIn Risk Gray-Stone & Co. Indemnity Excess & Surplus Agency Inc. Intercorp Inc. J.E. Brown & Associates J.M. Wilson Jacobs & Associates Inc. James Klein Insurance James River Insurance Company Jamison Risk Services Keating Brokerage King Insurance Support Systems Klein & Costa Insurance Services London Underwriters Markel MAXIMUM Midlands Management Corp. NeitClem Wholesale Insurance Brokerage Inc. NIF Group Inc. Nonprofits Insurance Alliance Orion Commercial Insurance Services Inc. Philadelphia Insurance Companies Professional Liability Insurance Services - Underwriting Facilities

ProSurance Group Inc. Quadrant Insurance Managers Quirk & Company R.E. Chaix & Assoc. Roush Insurance Services Inc. Southern Insurance Underwriters Inc. CMGA Specialty Insurance Managers Inc. The McGowan Companies Tokio Marine HCC U.S. Risk Insurance Group LLC USASIA Insurance Services Western Special Risks, Inc., a JenCap Holdings Company Western World Insurance Group World Wide Specialty Programs Inc. Worldwide Facilities LLC

E&S Brokers & MGAs

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Admiral Insurance Group Anderson & Murison Inc. Frontline Insurance Gray-Stone & Co. ProSurance Group Inc. Quadrant Insurance Managers Worldwide Facilities LLC

Employment Practices Liability

5Star Specialty Programs - All Offices Agentic Insurance LLC All Solutions PBS LLC AMIS/Alliance Marketing & Insurance Services LLC ARC West Coast Excess & Surplus Brokerage LLC Arlington/Roe Berkley Select | a Berkley Company Breckenridge Insurance Services Coastal Insurance Underwriters Inc. Cooper & McCloskey Inc. Donald Gaddis Co. Inc. Insurance Svcs Eaton Professional Insurance Services eKo Specialty Insurance Services Inc. Founders Professional Great American Insurance Group - Executive Liability Division Gumtree Wholesale Insurance Brokers Inc. HULL & Company Inc. Indemnity Excess & Surplus Agency Inc. Intercorp Inc. Jamison Risk Services Jimcor Agencies NeitClem Wholesale Insurance Brokerage Inc. Nonprofits Insurance Alliance Pacific Excess Insurance Marketing Philadelphia Insurance Companies Professional Insurance Concepts Professional Liability Insurance Services - Underwriting Facilities Quadrant Insurance Managers Quirk & Company R.E. Chaix & Assoc. Rockwood Programs Inc. Shelly, Middlebrooks & O’Leary Inc. (Jacksonville) Target Professional Programs

U.S. Risk Insurance Group LLC

Western Security Surplus Insurance Brokers LLC World Wide Specialty Programs Inc. Worldwide Facilities LLC

Environmental E&O

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Access E&S Insurance Services (VA) Beacon Hill Associates Inc. Freberg Environmental Inc. Intercorp Inc. International Excess Companies Philadelphia Insurance Companies Tokio Marine HCC Woodlands Insurance Services LLC

Executive Recruiters/Employment Agencies ■ ■ ■.■ ■. Fox Point Programs

Farm Mgmt/Consultant

■ ■ ■.■ ■. Professional Liability Insurance Services - Underwriting Facilities

Fiduciary Liability

5Star Specialty Programs - All Offices ARC West Coast Excess & Surplus Brokerage LLC Gerald J. Wilkoff Inc. Great American Insurance Group - Executive Liability Division Indemnity Excess & Surplus Agency Inc. Jamison Risk Services Markel Professional Insurance Concepts ProSurance Group Inc. Worldwide Facilities LLC

Financial Institution

5Star Specialty Programs - All Offices Agentic Insurance LLC All Risks Ltd. ARC West Coast Excess & Surplus Brokerage LLC Great American Insurance Group - Executive Liability Division Jamison Risk Services Keating Brokerage ProSurance Group Inc. R-T Specialty LLC Worldwide Facilities LLC

January 27, 2020 INSURANCE JOURNAL | 53

2020 National Directory of Excess, Surplus and Specialty Markets, Volume I

■ West

Legend:

■ East

■ Midwest

■ Southeast

■ Texas/South Central

Financial Planners

■ ■ ■.■ ■. 5Star Specialty Programs - All Offices ■ ■ ■.■ ■. Markel ■ ■ ■.■ ■. ProSurance Group Inc.

Firearm Instructors

■ ■ ■.■ ■. Joseph Chiarello & Co., Inc.; Firearms Business Insurance Program

Home Inspectors

■ ■ ■.■ ■. Intercorp Inc. ■ ■ ■.■ ■. Jimcor Agencies ■ ■ ■.■ ■. Target Professional Programs

Homeowner Associations Liability

2020 National Directory of Excess, Surplus and Specialty Markets, Volume I

■ ■ ■.■ ■. Shelly, Middlebrooks & O’Leary Inc. (Jacksonville) ■ ■ ■.■ ■. Western World Insurance Group

■ West

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

■ Not Available (Italicized companies offer binding authority.)

Number One Insurance Agency Professional Insurance Concepts U.S. Risk Insurance Group LLC Western Security Surplus Insurance Brokers LLC Worldwide Facilities LLC

Media Professionals

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

ARC West Coast Excess & Surplus Brokerage LLC Cooper & McCloskey Inc. Donald Gaddis Co. Inc. Insurance Svcs Eaton Professional Insurance Services EmergIn Risk Fox Point Programs HULL & Company Inc. Worldwide Facilities LLC

Meeting Planners

Insurance Adjusters

■ ■ ■.■ ■. Quadrant Insurance Managers

■ ■ ■.■ ■. Eventsured ■ ■ ■.■ ■. Fox Point Programs ■ ■ ■.■ ■. www.insurancehelper.com

Insurance Agents & Brokers E&O

Misc. Professional Liability

5Star Specialty Programs - All Offices All Solutions PBS LLC AmWINS Group Inc. - 118+ Locations Worldwide ARC West Coast Excess & Surplus Brokerage LLC CITA Insurance Services, a Div. of Brown & Brown Commercial Sector Insurance Brokers LLC Cooper & McCloskey Inc. CorRisk Solutions CRC Insurance Services Eaton Professional Insurance Services eKo Specialty Insurance Services Inc. EmergIn Risk Founders Professional Intercorp Inc. James River Insurance Company Jamison Risk Services King Insurance Support Systems MiniCo Insurance Agency LLC Number One Insurance Agency Professional Insurance Concepts Professional Liability Insurance Services - Underwriting Facilities ProSurance Group Inc. Quadrant Insurance Managers Rockwood Programs Inc. Russell Bond & Co. Inc. Shelly, Middlebrooks & O’Leary Inc. (Jacksonville) Sierra Specialty Sun Coast General Insurance Agency Target Professional Programs Trade Risk Partners Inc. U.S. Brokers Network, a Specialty Program Division of US Risk LLC U.S. Risk Insurance Group LLC Worldwide Facilities LLC

Interior Designers

■ ■ ■.■ ■. Allsouth Professional Liability ■ ■ ■.■ ■. Fox Point Programs

Internet Risks

■ ■ ■.■ ■. Eaton Professional Insurance Services ■ ■ ■.■ ■. EmergIn Risk ■ ■ ■.■ ■. Worldwide Facilities LLC

Investment Advisory Reps

■ ■ ■.■ ■. ARC West Coast Excess & Surplus Brokerage LLC ■ ■ ■.■ ■. Markel ■ ■ ■.■ ■. ProSurance Group Inc.

Land Surveyors

■ ■ ■.■ ■. Intercorp Inc. ■ ■ ■.■ ■. King Insurance Support Systems ■ ■ ■.■ ■. Victor Insurance Managers Inc.

Landscape Architects

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

CorRisk Solutions Fox Point Programs Intercorp Inc. Shelly, Middlebrooks & O’Leary Inc. (Jacksonville) Victor Insurance Managers Inc.

Landscapers

■ ■ ■.■ ■. Insurance Canopy

Lawyers

5Star Specialty Programs - All Offices Agentic Insurance LLC All Risks Ltd. Allsouth Professional Liability ARC West Coast Excess & Surplus Brokerage LLC AttPro Special Risk Berkley Select | a Berkley Company Cooper & McCloskey Inc. CRC Insurance Services eKo Specialty Insurance Services Inc. Founders Professional Gray-Stone & Co. Gumtree Wholesale Insurance Brokers Inc. Intercorp Inc. James River Insurance Company Jamison Risk Services Kinsale Insurance Company

54 | INSURANCE JOURNAL January 27, 2020

5Star Specialty Programs - All Offices Access E&S Insurance Services (VA) Admiral Insurance Group Agentic Insurance LLC All Risks Ltd. All Solutions PBS LLC Allsouth Professional Liability Anderson & Murison Inc. ARC West Coast Excess & Surplus Brokerage LLC Braishfield Brecht & Associates Continental Brokers Inc. Cooper & McCloskey Inc. CorRisk Solutions CRC Insurance Services Delta General Agency Corp. DFCORBY Insurance Services Donald Gaddis Co. Inc. Insurance Svcs Eaton Professional Insurance Services EmergIn Risk Evolution Insurance Brokers Executive Insurance Professionals, PLLC Executive Perils Founders Professional Fox Point Programs Gray-Stone & Co. Gumtree Wholesale Insurance Brokers Inc. HULL & Company Inc. Indemnity Excess & Surplus Agency Inc. Intercorp Inc. James River Insurance Company Jamison Risk Services King Insurance Support Systems Kinsale Insurance Company MiniCo Insurance Agency LLC MJ Kelly Nautilus Insurance Co. & Great Divide Ins. Co. NeitClem Wholesale Insurance Brokerage Inc. Nonprofits Insurance Alliance Norman-Spencer International Inc. Orion Commercial Insurance Services Inc. Professional Insurance Concepts Professional Liability Insurance Services - Underwriting Facilities Professional Program Ins. Brokerage, a Div of SPG Ins. Solutions Quadrant Insurance Managers Quirk & Company Roush Insurance Services Inc. Russell Bond & Co. Inc. Specialty Insurance Managers Inc. Sports & Fitness Insurance Corporation (SFIC) Sun Coast General Insurance Agency Target Professional Programs The Hanover Insurance Group The McGowan Companies U.S. Risk Insurance Group LLC Western Security Surplus Insurance Brokers LLC Western Surplus Lines Agency Inc. Woodlands Insurance Services LLC Worldwide Facilities LLC

Mortgage Brokers

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Agentic Insurance LLC Allsouth Professional Liability Cooper & McCloskey Inc. Edge Management Fox Point Programs Mexico Insurance Online

Party Coordinators

■ ■ ■.■ ■. Eventsured ■ ■ ■.■ ■. www.insurancehelper.com

Photographers

■ ■ ■.■ ■. Fox Point Programs

Police/Law Enforcement Officers

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

American Public Risk Euclid Public Sector LLC Gumtree Wholesale Insurance Brokers Inc. Kinsale Insurance Company Professional Governmental Underwriters

Private Investigators ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

AMIS/Alliance Marketing & Insurance Services LLC Brownyard Group Costanza Insurance Agency Inc. Sierra Specialty

Property Managers

Allsouth Professional Liability ARC West Coast Excess & Surplus Brokerage LLC CID Insurance Programs Inc. Fox Point Programs Indemnity Excess & Surplus Agency Inc. Intercorp Inc. King Insurance Support Systems MiniCo Insurance Agency LLC RealCare Insurance Shelly, Middlebrooks & O’Leary Inc. (Jacksonville) Victor Insurance Managers Inc.

Real Estate Agents

Agentic Insurance LLC All Solutions PBS LLC Allsouth Professional Liability Braishfield Eaton Professional Insurance Services Fox Point Programs Indemnity Excess & Surplus Agency Inc. Intercorp Inc. MiniCo Insurance Agency LLC Norman-Spencer Agency Inc. RealCare Insurance Shelly, Middlebrooks & O’Leary Inc. (Jacksonville) Sierra Specialty The Hanover Insurance Group Victor Insurance Managers Inc. Worldwide Facilities LLC

Real Estate Appraisers ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Fox Point Programs Intercorp Inc. Jimcor Agencies MiniCo Insurance Agency LLC Norman-Spencer Agency Inc. RealCare Insurance Sun Coast General Insurance Agency Target Professional Programs Victor Insurance Managers Inc.

Registered Investment Advisors

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Access E&S Insurance Services (VA) Fox Point Programs Markel ProSurance Group Inc.

School Board/Public Officials

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Allsouth Professional Liability CorRisk Solutions Gumtree Wholesale Insurance Brokers Inc. Professional Governmental Underwriters Western World Insurance Group

Security Guard & Detective Agencies

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

AMIS/Alliance Marketing & Insurance Services LLC Brownyard Group Gray-Stone & Co. Izzo Insurance Services, A division of Hull & Company LLC Prime Insurance Company

The Mechanic Group, Div of Specialty Programs Grp

Stand- Alone Fiduciary

■ ■ ■.■ ■. Great American Insurance Group - Executive Liability Division ■ ■ ■.■ ■. Jamison Risk Services

Stock Brokers

■ ■ ■.■ ■. Edge Management ■ ■ ■.■ ■. ProSurance Group Inc.

Tax Preparers

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Fox Point Programs MiniCo Insurance Agency LLC Norman-Spencer International Inc. ProSurance Group Inc.

Technology Professionals

5Star Specialty Programs - All Offices Access E&S Insurance Services (VA) ARC West Coast Excess & Surplus Brokerage LLC Donald Gaddis Co. Inc. Insurance Svcs Eaton Professional Insurance Services EmergIn Risk Fox Point Programs Indemnity Excess & Surplus Agency Inc. Keating Brokerage King Insurance Support Systems Professional Liability Insurance Services - Underwriting Facilities Quadrant Insurance Managers Shelly, Middlebrooks & O’Leary Inc. (Jacksonville) The Hanover Insurance Group Worldwide Facilities LLC

Telecommunications

■ ■ ■.■ ■. The Hanover Insurance Group

www.insurancejournal.com

Legend:

■ East

■ Midwest

■ Southeast

■ Texas/South Central

■ West

■ Not Available (Italicized companies offer binding authority.)

Temporary Personnel Agencies ■ ■ ■ ■ ■ World Wide Specialty Programs Inc.

College/University Health Centers

Third Party Administrators

Community Health Centers

■ ■ ■.■ ■. Agentic Insurance LLC ■ ■ ■.■ ■. ARC West Coast Excess & Surplus Brokerage LLC ■ ■ ■.■ ■. ProSurance Group Inc.

Title Agents

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Agentic Insurance LLC Allsouth Professional Liability Fox Point Programs Intercorp Inc. International Excess Companies Worldwide Facilities LLC

Travel Agents

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

EmergIn Risk Fox Point Programs Mexico Insurance Online Prime Insurance Company

Truck Brokers

■ ■ ■.■ ■. Greenwich Transportation Underwriters Inc. aka GTU ■ ■ ■.■ ■. Transportation Risk Underwriters

Truck Drivers/Operators ■ ■ ■.■ ■. Risk Strategies

Vineyard Mgmt/Consultant

■ ■ ■.■ ■. Professional Liability Insurance Services - Underwriting Facilities ■ ■ ■.■ ■. Eaton Professional Insurance Services ■ ■ ■.■ ■. Fox Point Programs ■ ■ ■.■ ■. Worldwide Facilities LLC

Professional Liability--Medical Fields Abortion Clinics ■ ■ ■.■ ■. Founders Professional

Acupuncturists

■ ■ ■.■ ■. Rockwood Programs Inc.

Alcohol/Drug Rehabilitation Centers

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■ ■ ■ ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Charity First Insurance Services Inc. Founders Professional Gateway Specialty Insurance Great American Insurance Group, Specialty Human Services Gumtree Wholesale Insurance Brokers Inc. Irwin Siegel Agency James River Insurance Company Negley Associates NIF Group Inc. Nonprofits Insurance Alliance Promont Insurance Advisors RPS Healthcare Western World Insurance Group

Allied Health Care

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■ ■ ■ ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Access E&S Insurance Services (VA) Braishfield Burns & Wilcox Eaton Professional Insurance Services Gateway Specialty Insurance J.M. Wilson King Insurance Support Systems Rockwood Programs Inc. RPS Healthcare Sapphire Blue

Assisted Living Facilities

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■ ■ ■ ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

AmWINS Group Inc. - 118+ Locations Worldwide Charity First Insurance Services Inc. eKo Specialty Insurance Services Inc. Evolution Insurance Brokers Great American Insurance Group, Specialty Human Services

James River Insurance Company Jimcor Agencies Promont Insurance Advisors RPS Healthcare Sapphire Blue Sierra Specialty U.S. Risk Insurance Group LLC Worldwide Facilities LLC

Chiropractors

■ ■ ■.■ ■. Rockwood Programs Inc. ■ ■ ■.■ ■. RPS Healthcare

Clinical Trials

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Access E&S Insurance Services (VA) Agentic Insurance LLC Cooper & McCloskey Inc. Founders Professional Gumtree Wholesale Insurance Brokers Inc. James River Insurance Company NIF Group Inc. R-T Specialty LLC Worldwide Facilities LLC

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■ ■ ■ ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Charity First Insurance Services Inc. Founders Professional Gateway Specialty Insurance Negley Associates Rockwood Programs Inc.

Counseling/Mental Health Facilities

■ ■ ■.■ ■. ■ ■ ■ ■ ■ ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Charity First Insurance Services Inc. Gateway Specialty Insurance Gumtree Wholesale Insurance Brokers Inc. Irwin Siegel Agency Negley Associates Nonprofits Insurance Alliance Rockwood Programs Inc. Western World Insurance Group

Medical Imaging Centers

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■ ■ ■ ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Admiral Insurance Group Founders Professional Gateway Specialty Insurance James River Insurance Company NIF Group Inc. Promont Insurance Advisors Rockwood Programs Inc. RPS Healthcare

Medical Malpractice

■ ■ ■.■ ■. Agentic Insurance LLC

Healthcare Facilities (Misc.)

Medical Stop Loss

Dentists

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Allsouth Professional Liability James River Insurance Company Jamison Risk Services RPS Healthcare Western Security Surplus Insurance Brokers LLC

Healthcare Administrative E&O ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■ ■ ■ ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Access E&S Insurance Services (VA) Admiral Insurance Group Berkley Select | a Berkley Company Burns & Wilcox Cooper & McCloskey Inc. CRC Insurance Services Gateway Specialty Insurance Gumtree Wholesale Insurance Brokers Inc. James River Insurance Company Jamison Risk Services Orion Commercial Insurance Services Inc. Professional Program Ins. Brokerage, a Div of SPG Ins. Solutions Promont Insurance Advisors Rockwood Programs Inc. RPS Healthcare Worldwide Facilities LLC

Home Health Agencies

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■ ■ ■ ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■ ■ ■ ■ ■ ■.■ ■.

Anderson & Murison Inc. Ashley General Agency Donald Gaddis Co. Inc. Insurance Svcs Eaton Professional Insurance Services Evolution Insurance Brokers Founders Professional Gateway Specialty Insurance Great American Insurance Group, Specialty Human Services Gumtree Wholesale Insurance Brokers Inc. HULL & Company Inc. James River Insurance Company Jimcor Agencies Negley Associates NIF Group Inc. Nonprofits Insurance Alliance Promont Insurance Advisors Quirk & Company Rockwood Programs Inc. RPS Healthcare Sapphire Blue

U.S. Risk Insurance Group LLC Western World Insurance Group

Hospice Care Programs

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■ ■ ■ ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Charity First Insurance Services Inc. Founders Professional Gateway Specialty Insurance Great American Insurance Group, Specialty Human Services James River Insurance Company Negley Associates Nonprofits Insurance Alliance Rockwood Programs Inc.

Hospitals

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Agentic Insurance LLC AmWINS Group Inc. - 118+ Locations Worldwide eKo Specialty Insurance Services Inc. Jamison Risk Services Negley Associates R-T Specialty LLC RPS Healthcare

Kidney Dialysis Facilities

■ ■ ■.■ ■. Cooper & McCloskey Inc. ■ ■ ■.■ ■. James River Insurance Company ■ ■ ■.■ ■. NIF Group Inc.

Access E&S Insurance Services (VA) Admiral Insurance Group Allsouth Professional Liability Arlington/Roe Cooper & McCloskey Inc. Donald Gaddis Co. Inc. Insurance Svcs Founders Professional James River Insurance Company Jamison Risk Services Kinsale Insurance Company NeitClem Wholesale Insurance Brokerage Inc. R-T Specialty LLC RPS Healthcare Worldwide Facilities LLC

■ ■ ■.■ ■. Artex Risk Solutions Inc.

Medical Testing Labs

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

Misc. Professional Liability - Medical Fields

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■ ■ ■ ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Access E&S Insurance Services (VA) Admiral Insurance Group Agentic Insurance LLC All Solutions PBS LLC Allsouth Professional Liability ARC West Coast Excess & Surplus Brokerage LLC Delta General Agency Corp. Donald Gaddis Co. Inc. Insurance Svcs Eaton Professional Insurance Services Gray-Stone & Co. Jamison Risk Services Kinsale Insurance Company NIF Group Inc. Patriot National Underwriters Inc. Professional Program Ins. Brokerage, a Div of SPG Ins. Solutions Promont Insurance Advisors Quirk & Company Rockwood Programs Inc. RPS Healthcare

U.S. Risk Insurance Group LLC

Western Special Risks, Inc., a JenCap Holdings Company Worldwide Facilities LLC

Nurses

■ ■ ■.■ ■. RPS Healthcare

Nursing/Convalescent Homes

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Charity First Insurance Services Inc. Cooper & McCloskey Inc. Founders Professional James River Insurance Company Quadrant Insurance Managers RPS Healthcare Sapphire Blue U.S. Risk Insurance Group LLC Worldwide Facilities LLC

Opticians

■ ■ ■.■ ■. RPS Healthcare

Optometrists

■ ■ ■.■ ■. Rockwood Programs Inc. ■ ■ ■.■ ■. RPS Healthcare

Outpatient Clinics

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■ ■ ■ ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Admiral Insurance Group Cooper & McCloskey Inc. Founders Professional Gateway Specialty Insurance Gumtree Wholesale Insurance Brokers Inc. Irwin Siegel Agency James River Insurance Company NIF Group Inc. Promont Insurance Advisors Rockwood Programs Inc. RPS Healthcare Worldwide Facilities LLC

Paramedics

■ ■ ■.■ ■. ARC West Coast Excess & Surplus Brokerage LLC ■ ■ ■.■ ■. CorRisk Solutions

■ ■ ■.■ ■. Rockwood Programs Inc. ■ ■ ■.■ ■. RPS Healthcare ■ ■ ■.■ ■. Worldwide Facilities LLC

Medical & Physical Rehab Facilities

Pharmacists

Managed Care Organizations

■ ■ ■ ■ ■ Gateway Specialty Insurance ■ ■ ■.■ ■. James River Insurance Company

www.insurancejournal.com

■ ■ ■.■ ■. Promont Insurance Advisors ■ ■ ■.■ ■. RPS Healthcare ■ ■ ■.■ ■. Worldwide Facilities LLC

■ ■ ■.■ ■. Rockwood Programs Inc.

January 27, 2020 INSURANCE JOURNAL | 55

2020 National Directory of Excess, Surplus and Specialty Markets, Volume I

Web Site Designers

■ ■ ■.■ ■. RPS Healthcare

Legend:

■ East

■ Midwest

■ Southeast

■ Texas/South Central

Physician Groups & Clinics

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Admiral Insurance Group Allsouth Professional Liability Founders Professional Kinsale Insurance Company Rockwood Programs Inc. RPS Healthcare U.S. Risk Insurance Group LLC

Physicians

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

All Risks Ltd. Allsouth Professional Liability AmWINS Group Inc. - 118+ Locations Worldwide Founders Professional James River Insurance Company Kinsale Insurance Company RPS Healthcare Western Security Surplus Insurance Brokers LLC Worldwide Facilities LLC

Podiatrists

■ ■ ■.■ ■. Rockwood Programs Inc. ■ ■ ■.■ ■. RPS Healthcare

Psychiatrists

■ ■ ■.■ ■. Negley Associates

Psychologists

2020 National Directory of Excess, Surplus and Specialty Markets, Volume I

■ ■ ■.■ ■. James River Insurance Company ■ ■ ■.■ ■. Negley Associates ■ ■ ■.■ ■. Western World Insurance Group

Specified Medical Professions

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Admiral Insurance Group Allsouth Professional Liability Donald Gaddis Co. Inc. Insurance Svcs Eaton Professional Insurance Services Founders Professional Indemnity Excess & Surplus Agency Inc. NIF Group Inc. RPS Healthcare Worldwide Facilities LLC

Surgery Centers

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Agentic Insurance LLC Founders Professional James River Insurance Company Rockwood Programs Inc. RPS Healthcare Worldwide Facilities LLC

Urgent Care Centers

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Agentic Insurance LLC Delta General Agency Corp. Founders Professional Rockwood Programs Inc. RPS Healthcare

Veterinarians

■ ■ ■.■ ■. James River Insurance Company ■ ■ ■.■ ■. Rockwood Programs Inc.

Property--Commercial Apartments

Abram Interstate Insurance Services Inc. Advanced E&S Group - Midwest Region Advanced E&S Group - Southeast Region All Risks Ltd. AmWINS Group Inc. - 118+ Locations Worldwide Anderson & Murison Inc. Bass Underwriters Brecht & Associates CIBA Insurance Services CID Insurance Programs Inc. Commercial Sector Insurance Brokers LLC Distinguished Programs Donald Gaddis Co. Inc. Insurance Svcs Evolution Insurance Brokers Flood Risk Solutions Inc. FTP of California Gorst & Compass Insurance Gridiron Insurance Underwriters Inc. Integrated Specialty Coverages (ISC) International Excess Companies IPA Risk Management LLC Jimcor Agencies King Insurance Support Systems MAXIMUM Nationwide New Empire Group NIF Group Inc. North Central Agency Inc. Pacific Excess Insurance Marketing Patriot National Underwriters Inc. Promont Insurance Advisors Quirk & Company Risk Theory LLC Roush Insurance Services Inc. RSI International Inc. Southwest Risk The McGowan Companies USASIA Insurance Services Velocity Risk Underwriters LLC

56 | INSURANCE JOURNAL January 27, 2020

■ West

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

■ Not Available (Italicized companies offer binding authority.)

Western Security Surplus Insurance Brokers LLC Western Surplus Lines Agency Inc. Wilson Smith Group LLC Woodlands Insurance Services LLC Worldwide Facilities LLC Worldwide Facilities, LLC; MHI-MGA Division

Capacity or Excess Property Insurance

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Churches

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■ ■ ■ ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Advanced E&S Group - Southeast Region Canon Insurance Service Crouse & Associates HULL & Company Inc. James River Insurance Company Keating Brokerage Velocity Risk Underwriters LLC Worldwide Facilities LLC

AMIS/Alliance Marketing & Insurance Services LLC Bass Underwriters Brecht & Associates Breckenridge Insurance Services Evolution Insurance Brokers Flood Risk Solutions Inc. Gateway Specialty Insurance Great American Insurance Group, Specialty Human Services Gridiron Insurance Underwriters Inc. MAXIMUM Nationwide North Central Agency Inc. Promont Insurance Advisors

Coastal Property ■ ■ ■ ■ ■ Advanced E&S Group - Southeast Region

All Risks Ltd. AmWINS Group Inc. - 118+ Locations Worldwide Coastal Insurance Underwriters Inc. Commercial Sector Insurance Brokers LLC Continental Underwriters Inc. Delta General Agency Corp. Gridiron Insurance Underwriters Inc. Jimcor Agencies MAXIMUM R-T Specialty LLC Sovereign Group Int’l Inc. U.S. Risk Insurance Group LLC Velocity Risk Underwriters LLC Wilson Smith Group LLC

Commercial Flood (Non-Federal) ■ ■ ■ ■ ■ Advanced E&S Group - Southeast Region

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

CIBA Insurance Services Flood Risk Solutions Inc. Ross Diversified Insurance Services Velocity Risk Underwriters LLC

Commercial Property

Advanced E&S Group - Midwest Region Advanced E&S Group - Southeast Region American Eagle Underwriting Managers Anderson & Murison Inc. Arlington/Roe Ashley General Agency Bass Underwriters Braishfield Breckenridge Insurance Services Canon Insurance Service CIBA Insurance Services CID Insurance Programs Inc. Coastal Insurance Underwriters Inc. Commercial Sector Insurance Brokers LLC Continental Underwriters Inc. DFCORBY Insurance Services Distinguished Programs Empire Underwriters LLC Executive Insurance Professionals, PLLC Gridiron Insurance Underwriters Inc. HULL & Company Inc. Integrated Specialty Coverages (ISC) Irwin Siegel Agency J.M. Wilson Jacobs & Associates Inc. James Klein Insurance Jamison Risk Services Klein & Costa Insurance Services London Underwriters McLeckie Insurance Group MJ Kelly National Advantage Insurance Services Inc. Nationwide Nautilus Insurance Co. & Great Divide Ins. Co. Negley Associates NeitClem Wholesale Insurance Brokerage Inc. New Empire Group NIF Group Inc. North Central Agency Inc. Orion Commercial Insurance Services Inc. Pacific Excess Insurance Marketing Pacific Gateway Insurance Agency Patriot National Underwriters Inc. Promont Insurance Advisors R.E. Chaix & Assoc. RLI

Ross Diversified Insurance Services Roush Insurance Services Inc. RSI International Inc. Russell Bond & Co. Inc. Shelly, Middlebrooks & O’Leary Inc. (Jacksonville) Southern Insurance Underwriters Inc. CMGA Southwest Risk Specialty Insurance Managers Inc. Sun Coast General Insurance Agency U.S. Risk Insurance Group LLC UFG Specialty Velocity Risk Underwriters LLC Western Surplus Lines Agency Inc. Wilson Smith Group LLC Worldwide Facilities LLC

Completed-but-not-Sold Properties ■ ■ ■.■ ■. Innovative Risk Solutions ■ ■ ■.■ ■. IPA Risk Management LLC

Condominiums

Advanced E&S Group - Midwest Region

Advanced E&S Group - Southeast Region

AmWINS Group Inc. - 118+ Locations Worldwide Bass Underwriters Burns & Wilcox Canon Insurance Service CIBA Insurance Services CID Insurance Programs Inc. Coastal Insurance Underwriters Inc. Commercial Sector Insurance Brokers LLC Distinguished Programs Flood Risk Solutions Inc. FTP of California Gridiron Insurance Underwriters Inc. Integrated Specialty Coverages (ISC) IPA Risk Management LLC King Insurance Support Systems NeitClem Wholesale Insurance Brokerage Inc. New Empire Group Pacific Excess Insurance Marketing Promont Insurance Advisors Risk Theory LLC Southern Insurance Underwriters Inc. CMGA Southwest Risk The McGowan Companies Velocity Risk Underwriters LLC Worldwide Facilities, LLC; MHI-MGA Division

Difference-in-Conditions

Advanced E&S Group - Southeast Region AmWINS Group Inc. - 118+ Locations Worldwide Arrowhead General Insurance Agency Inc. Coastal Insurance Underwriters Inc. Crouse & Associates Gray-Stone & Co. Orion Commercial Insurance Services Inc. RLI U.S. Risk Insurance Group LLC Velocity Risk Underwriters LLC

Earthquake

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Continental Underwriters Inc. FTP of California Orion Commercial Insurance Services Inc. U.S. Risk Insurance Group LLC Velocity Risk Underwriters LLC Worldwide Facilities LLC

General Liability (GL)

Advanced E&S Group - Southeast Region Breckenridge Insurance Services Continental Underwriters Inc. FTP of California Gray-Stone & Co. Gridiron Insurance Underwriters Inc. Irwin Siegel Agency James River Insurance Company McLeckie Insurance Group NeitClem Wholesale Insurance Brokerage Inc. New Empire Group North Central Agency Inc. Promont Insurance Advisors Southern Insurance Underwriters Inc. CMGA Western Surplus Lines Agency Inc. World Wide Specialty Programs Inc. Worldwide Facilities LLC

Glass

■ ■ ■.■ ■. Advanced E&S Group - Southeast Region

Hazardous Occupancies

■ ■ ■.■ ■. Virtue Risk Partners LLC

Hotels/Motels ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Advanced E&S Group - Southeast Region Bass Underwriters Brecht & Associates CapSpecialty CITA Insurance Services, a Div. of Brown & Brown Commercial Sector Insurance Brokers LLC Flood Risk Solutions Inc. Gray-Stone & Co.

www.insurancejournal.com

Legend:

■ East

■ Midwest

■ Southeast

■ Texas/South Central

IPA Risk Management LLC Nationwide North Central Agency Inc. Patriot National Underwriters Inc. Professional Liability Insurance Services - Underwriting Facilities Velocity Risk Underwriters LLC Western Special Risks, Inc., a JenCap Holdings Company Western Surplus Lines Agency Inc. Western World Insurance Group Wilson Smith Group LLC

Manufacturing Operations ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Donald Gaddis Co. Inc. Insurance Svcs MAXIMUM Nationwide Southwest Risk USASIA Insurance Services Woodlands Insurance Services LLC

Mercantile

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Advanced E&S Group - Midwest Region Advanced E&S Group - Southeast Region Bass Underwriters Donald Gaddis Co. Inc. Insurance Svcs FTP of California Gridiron Insurance Underwriters Inc. Promont Insurance Advisors Roush Insurance Services Inc. UFG Specialty

Mobile Home Parks

CapSpecialty Evolution Insurance Brokers King Insurance Support Systems Nationwide North Central Agency Inc. Western World Insurance Group

Office Buildings

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Advanced E&S Group - Midwest Region Advanced E&S Group - Southeast Region All Risks Ltd. CIBA Insurance Services CRC Insurance Services Distinguished Programs Flood Risk Solutions Inc. FTP of California Gray-Stone & Co. Gridiron Insurance Underwriters Inc. Integrated Specialty Coverages (ISC) IPA Risk Management LLC MAXIMUM Nationwide Nautilus Insurance Co. & Great Divide Ins. Co. New Empire Group North Central Agency Inc. Pacific Excess Insurance Marketing Promont Insurance Advisors Velocity Risk Underwriters LLC

Restaurants

Advanced E&S Group - Midwest Region Advanced E&S Group - Southeast Region Anderson & Murison Inc. Brecht & Associates CapSpecialty Flood Risk Solutions Inc. FTP of California Gorst & Compass Insurance Houston International Insurance Group HULL & Company Inc. MJ Kelly Nationwide NeitClem Wholesale Insurance Brokerage Inc. North Central Agency Inc. Pacific Excess Insurance Marketing Patriot National Underwriters Inc. Roush Insurance Services Inc. RSI International Inc. Southern Insurance Underwriters Inc. CMGA Southwest Risk Specialty Insurance Velocity Risk Underwriters LLC Western Surplus Lines Agency Inc. Wilson Smith Group LLC Woodlands Insurance Services LLC Worldwide Facilities LLC Worldwide Facilities, LLC; MHI-MGA Division

School Districts

■ ■ ■.■ ■. Commercial Sector Insurance Brokers LLC ■ ■ ■.■ ■. MAXIMUM ■ ■ ■.■ ■. Velocity Risk Underwriters LLC

Service Stations

■ ■ ■.■ ■. FTP of California

Shopping Centers ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Advanced E&S Group - Midwest Region Advanced E&S Group - Southeast Region Commercial Sector Insurance Brokers LLC Flood Risk Solutions Inc. FTP of California

www.insurancejournal.com

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

■ Not Available (Italicized companies offer binding authority.)

Gridiron Insurance Underwriters Inc. Integrated Specialty Coverages (ISC) MAXIMUM North Central Agency Inc. Pacific Excess Insurance Marketing Patriot National Underwriters Inc. Southern Insurance Underwriters Inc. CMGA UFG Specialty Velocity Risk Underwriters LLC

SMP Package (Specialty/Nonstandard) ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Taverns

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Advanced E&S Group - Midwest Region Distinguished Programs Monarch E&S Insurance Services UFG Specialty Worldwide Facilities LLC Worldwide Facilities, LLC; MHI-MGA Division Advanced E&S Group - Midwest Region Evolution Insurance Brokers Promont Insurance Advisors Specialty Insurance

Terrorism

■ ■ ■.■ ■. Clements Worldwide ■ ■ ■.■ ■. Specialty Insurance Managers Inc.

Toxic Mold Liability

■ ■ ■.■ ■. Beacon Hill Associates Inc.

Vacant Property

Abram Interstate Insurance Services Inc. Advanced E&S Group - Southeast Region All Risks Ltd. AmWINS Group Inc. - 118+ Locations Worldwide Anderson & Murison Inc. Arlington/Roe Ashley General Agency Bass Underwriters Brecht & Associates Breckenridge Insurance Services Burns & Wilcox Canon Insurance Service Commercial Sector Insurance Brokers LLC CRC Insurance Services Delta General Agency Corp. Distinguished Programs Donald Gaddis Co. Inc. Insurance Svcs Evolution Insurance Brokers Gorst & Compass Insurance Gray-Stone & Co. International Excess Companies J.M. Wilson King Insurance Support Systems Kinsale Insurance Company Klein & Costa Insurance Services MAXIMUM MJ Kelly Monarch E&S Insurance Services National Advantage Insurance Services Inc. Nationwide NeitClem Wholesale Insurance Brokerage Inc. Next Wave Insurance Services LLC Orion Commercial Insurance Services Inc. Pacific Excess Insurance Marketing Pacific Gateway Insurance Agency Quirk & Company Roush Insurance Services Inc. RSI International Inc. Southern Insurance Underwriters Inc. CMGA Southwest Risk U.S. Risk Insurance Group LLC US Assure USASIA Insurance Services Western Security Surplus Insurance Brokers LLC Worldwide Facilities LLC Worldwide Facilities, LLC; MHI-MGA Division

Warehouses ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Bass Underwriters CIBA Insurance Services Flood Risk Solutions Inc. FTP of California Gridiron Insurance Underwriters Inc. National Advantage Insurance Services Inc. Nationwide Nautilus Insurance Co. & Great Divide Ins. Co. UFG Specialty

Wind Deductible Buy-Back

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■ ■ ■ ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Advanced E&S Group - Southeast Region Breckenridge Insurance Services

Commercial Sector Insurance Brokers LLC HULL & Company Inc. MiniCo Insurance Agency LLC R-T Specialty LLC Safehold Special Risk U.S. Risk Insurance Group LLC

Wind/Hail

■ ■ ■.■ ■. Advanced E&S Group - Southeast Region ■ ■ ■.■ ■. AmWINS Group Inc. - 118+ Locations Worldwide

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■ ■ ■ ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Ashley General Agency Bass Underwriters Breckenridge Insurance Services Coastal Insurance Underwriters Inc.

Commercial Sector Insurance Brokers LLC Gridiron Insurance Underwriters Inc. IPA Risk Management LLC MiniCo Insurance Agency LLC Risk Theory LLC Velocity Risk Underwriters LLC Worldwide Facilities LLC

Property--Residential Coastal Property

All Risks Ltd. AmWINS Group Inc. - 118+ Locations Worldwide Arrowhead General Insurance Agency Inc. Braishfield Breckenridge Insurance Services BUA LLC Burns & Wilcox Coastal Insurance Underwriters Inc. Coastal Risk Solutions Empire Underwriters LLC Flood Risk Solutions Inc. Frontline Insurance GeoVera Holdings Inc. Gumtree Wholesale Insurance Brokers Inc. Insurance House Jamison Risk Services Jimcor Agencies Maritime Program Group NIF Group Inc. R-T Specialty LLC Ross Diversified Insurance Services South & Western General Agency Inc. Southern Insurance Underwriters Inc. CMGA Sovereign Group Int’l Inc. Wilson Smith Group LLC Worldwide Facilities LLC

Condominiums (HO-6)

Arrowhead General Insurance Agency Inc. Braishfield Flood Risk Solutions Inc. Foremost Insurance Group Founders Insurance Company Frontline Insurance HULL & Company Inc. Insurance House King Insurance Support Systems Maritime Program Group Ross Diversified Insurance Services Sovereign Group Int’l Inc.

Contents Only (HO-4)

■ ■ ■.■ ■. Foremost Insurance Group ■ ■ ■.■ ■. Maritime Program Group ■ ■ ■.■ ■. Markel Personal Lines

Dwelling Fire (DP-1, DP-3)

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Abram Interstate Insurance Services Inc. Anderson & Murison Inc. Arrowhead General Insurance Agency Inc. Coastal Risk Solutions Cochrane and Company Foremost Insurance Group Frontline Insurance Gorst & Compass Insurance Insurance House King Insurance Support Systems Maritime Program Group Markel Personal Lines National Advantage Insurance Services Inc. R-T Specialty LLC Ross Diversified Insurance Services Roush Insurance Services Inc. South & Western General Agency Inc. Southern Insurance Underwriters Inc. CMGA Sovereign Group Int’l Inc. US Assure Worldwide Facilities LLC

Dwelling Fire (TDP-1)

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Foremost Insurance Group Innovative Risk Solutions Ross Diversified Insurance Services Sovereign Group Int’l Inc. US Assure Worldwide Facilities, LLC; MHI-MGA Division

Dwelling Fire (TDP-1/TDP-2/TDP-3)

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Delta General Agency Corp. Foremost Insurance Group Innovative Risk Solutions Pacific International Underwriters Ross Diversified Insurance Services RSI International Inc. Sovereign Group Int’l Inc. US Assure Wilson Smith Group LLC

January 27, 2020 INSURANCE JOURNAL | 57

2020 National Directory of Excess, Surplus and Specialty Markets, Volume I

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

■ West

Legend:

■ East

■ Midwest

■ Southeast

■ Texas/South Central

Earthquake

■ ■ ■.■ ■. GeoVera Holdings Inc. ■ ■ ■.■ ■. Worldwide Facilities LLC

Forced Placement

■ ■ ■.■ ■. Innovative Risk Solutions ■ ■ ■.■ ■. Proctor Financial Inc. ■ ■ ■.■ ■. Ross Diversified Insurance Services

2020 National Directory of Excess, Surplus and Specialty Markets, Volume I

High Valued Homeowners

Abram Interstate Insurance Services Inc. American Eagle Underwriting Managers Anderson & Murison Inc. Arlington/Roe Braishfield BUA LLC Burns & Wilcox Canon Insurance Service Coastal Risk Solutions Commercial Sector Insurance Brokers LLC Empire Underwriters LLC Frontline Insurance Gorst & Compass Insurance Gray-Stone & Co. Insurance House Irwin Siegel Agency J.E. Brown & Associates Jamison Risk Services Jimcor Agencies King Insurance Support Systems Klein & Costa Insurance Services Maritime Program Group Pacific International Underwriters Quirk & Company R-T Specialty LLC Russell Bond & Co. Inc. Shelly, Middlebrooks & O’Leary Inc. (Jacksonville) Southern Insurance Underwriters Inc. CMGA Sovereign Group Int’l Inc. Wilson Smith Group LLC Worldwide Facilities LLC

High-Value Dwellings

American Eagle Underwriting Managers AmWINS Group Inc. - 118+ Locations Worldwide BUA LLC Canon Insurance Service Coastal Risk Solutions Delta General Agency Corp. Flood Risk Solutions Inc. Gray-Stone & Co. HULL & Company Inc. Insurance House Irwin Siegel Agency J.M. Wilson Maritime Program Group R-T Specialty LLC Ross Diversified Insurance Services RSI International Inc. Sovereign Group Int’l Inc.

Historic Homes

■ ■ ■.■ ■. Flood Risk Solutions Inc. ■ ■ ■.■ ■. Maritime Program Group

Homeowners (HO-3)

Abram Interstate Insurance Services Inc. American Eagle Underwriting Managers Anderson & Murison Inc. Arrowhead General Insurance Agency Inc. BUA LLC Coastal Risk Solutions Cochrane and Company Delta General Agency Corp. Flood Risk Solutions Inc. Foremost Insurance Group Founders Insurance Company Frontline Insurance Gumtree Wholesale Insurance Brokers Inc. HULL & Company Inc. Insurance House J.E. Brown & Associates King Insurance Support Systems Maritime Program Group Markel Personal Lines Pacific International Underwriters R-T Specialty LLC Roush Insurance Services Inc. RSI International Inc. Southern Insurance Underwriters Inc. CMGA Sovereign Group Int’l Inc. Wilson Smith Group LLC Worldwide Facilities LLC

Homeowners (HO-A)

■ ■ ■.■ ■. Flood Risk Solutions Inc. ■ ■ ■.■ ■. Foremost Insurance Group

Homeowners (HO-A/HO-B) ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Flood Risk Solutions Inc. Foremost Insurance Group RSI International Inc. South & Western General Agency Inc.

58 | INSURANCE JOURNAL January 27, 2020

■ West

■ Not Available (Italicized companies offer binding authority.)

■ ■ ■.■ ■. Worldwide Facilities, LLC; MHI-MGA Division

Jewelry & Fur Floaters ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Gorst & Compass Insurance Insurance House R-T Specialty LLC RSI International Inc.

Low-Value Dwellings

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

J.E. Brown & Associates Markel Personal Lines Ross Diversified Insurance Services RSI International Inc. Sovereign Group Int’l Inc.

Manufactured HO3

■ ■ ■.■ ■. Foremost Insurance Group

Mobile/Manufactured Homes

Arlington/Roe Delta General Agency Corp. Foremost Insurance Group Insurance House J.E. Brown & Associates King Insurance Support Systems Markel Personal Lines Pacific International Underwriters Ross Diversified Insurance Services South & Western General Agency Inc. Southern Insurance Underwriters Inc. CMGA

Mortgage Life

■ ■ ■.■ ■. Edge Management

Non-Standard Dwellings

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Canon Insurance Service Foremost Insurance Group King Insurance Support Systems Prime Insurance Company

Seasonal Dwellings

Abram Interstate Insurance Services Inc. BUA LLC Coastal Risk Solutions Flood Risk Solutions Inc. Foremost Insurance Group Insurance House J.E. Brown & Associates Maritime Program Group Markel Personal Lines Southern Insurance Underwriters Inc. CMGA Sovereign Group Int’l Inc. Wilson Smith Group LLC

Tenant Policy ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Arrowhead General Insurance Agency Inc. Coastal Risk Solutions Innovative Risk Solutions RSI International Inc. Sovereign Group Int’l Inc.

Vacant Property

Abram Interstate Insurance Services Inc. Advanced E&S Group - Midwest Region Arlington/Roe Breckenridge Insurance Services Canon Insurance Service Delta General Agency Corp. Foremost Insurance Group Gorst & Compass Insurance Innovative Risk Solutions Insurance House J.E. Brown & Associates Jacobs & Associates Inc. Jimcor Agencies Keating Brokerage King Insurance Support Systems Klein & Costa Insurance Services Maritime Program Group Markel Personal Lines National Advantage Insurance Services Inc. Ross Diversified Insurance Services RSI International Inc. South & Western General Agency Inc. Southern Insurance Underwriters Inc. CMGA Sovereign Group Int’l Inc. US Assure Western Security Surplus Insurance Brokers LLC Worldwide Facilities LLC

Public Entities Community Water Districts

■ ■ ■.■ ■. Euclid Public Sector LLC ■ ■ ■.■ ■. Grundy Insurance ■ ■ ■.■ ■. Professional Governmental Underwriters

Emergency Service Operations ■ ■ ■.■ ■. Euclid Public Sector LLC ■ ■ ■.■ ■. Midlands Management Corp.

Fire Departments (Paid & Volunteer) ■ ■ ■.■ ■. Euclid Public Sector LLC

Irrigation Districts

■ ■ ■.■ ■. Professional Governmental Underwriters

Municipal & Public Entities Liability

American Public Risk AmWINS Group Inc. - 118+ Locations Worldwide Artex Risk Solutions Inc. Euclid Public Sector LLC Jimcor Agencies Keating Brokerage Midlands Management Corp. R-T Specialty LLC Russell Bond & Co. Inc. The McGowan Companies Virtue Risk Partners LLC Worldwide Facilities LLC

Public Housing Authorities Liability ■ ■ ■.■ ■. Professional Governmental Underwriters

Public Utilities (Water, Gas, Electric) ■ ■ ■.■ ■. Grundy Insurance ■ ■ ■.■ ■. Professional Governmental Underwriters

Wastewater Treatment

■ ■ ■.■ ■. Grundy Insurance ■ ■ ■.■ ■. Virtue Risk Partners LLC

Railroad Risks Railroad Property/Liability ■ ■ ■.■ ■. Ascinsure Specialty Risk

Railroad Protective Liability

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Alliant Underwriting Solutions Arrowhead General Insurance Agency Inc. Commercial Sector Insurance Brokers LLC Jacobs & Associates Inc. James Klein Insurance R.E. Chaix & Assoc. Woodlands Insurance Services LLC

Service Businesses Ambulances

■ ■ ■.■ ■. James River Insurance Company

Barber Shops ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Advanced E&S Group - Midwest Region AMIS/Alliance Marketing & Insurance Services LLC CapSpecialty Continental Brokers Inc. Professional Program Ins. Brokerage, a Div of SPG Ins. Solutions

Beauty Salons

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Abram Interstate Insurance Services Inc. Advanced E&S Group - Midwest Region AMIS/Alliance Marketing & Insurance Services LLC CapSpecialty Continental Brokers Inc. Pacific Excess Insurance Marketing Pacific International Underwriters Professional Program Ins. Brokerage, a Div of SPG Ins. Solutions Universal Insurance Programs

Beauty Schools

■ ■ ■.■ ■. AMIS/Alliance Marketing & Insurance Services LLC ■ ■ ■.■ ■. Professional Program Ins. Brokerage, a Div of SPG Ins. Solutions

Beauty Supply

■ ■ ■.■ ■. AMIS/Alliance Marketing & Insurance Services LLC ■ ■ ■.■ ■. Professional Program Ins. Brokerage, a Div of SPG Ins. Solutions

Buses

■ ■ ■.■ ■. KF&B Program Managers Insurance Services ■ ■ ■.■ ■. National Indemnity Company ■ ■ ■.■ ■. Pacific Gateway Insurance Agency

Cannabis/Marijuana - Dispensary and Growers

Allen Financial Ins. Group / The Equestrian Group AmRisk Insurance Services Breckenridge Insurance Services Insurance Canopy International Excess Companies Jimcor Agencies M.J. Hall & Company Inc. Next Wave Insurance Services LLC NIF Group Inc. Pacific Gateway Insurance Agency Professional Program Ins. Brokerage, a Div of SPG Ins. Solutions Worldwide Facilities LLC

Cemeteries

■ ■ ■.■ ■. Great American Insurance Group, Specialty Human Services

Coin Laundry

■ ■ ■.■ ■. Bass Underwriters

Convenience Stores

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Advanced E&S Group - Midwest Region Braishfield Brecht & Associates Executive Insurance Professionals, PLLC Nautilus Insurance Co. & Great Divide Ins. Co. Roush Insurance Services Inc.

www.insurancejournal.com

Legend:

■ East

■ Midwest

■ Southeast

■ Texas/South Central

■ ■ ■.■ ■. Woodlands Insurance Services LLC

Courier/Messenger Service

■ ■ ■.■ ■. Pacific Gateway Insurance Agency ■ ■ ■.■ ■. Risk Strategies

Day Care Centers/Nurseries

Abram Interstate Insurance Services Inc. Anderson & Murison Inc. Arlington/Roe CapSpecialty Charity First Insurance Services Inc. Great American Insurance Group, Specialty Human Services Indemnity Excess & Surplus Agency Inc. J.E. Brown & Associates Nautilus Insurance Co. & Great Divide Ins. Co. Nonprofits Insurance Alliance Pacific International Underwriters Roush Insurance Services Inc. USASIA Insurance Services Western Surplus Lines Agency Inc. Worldwide Facilities LLC

Detective/Patrol Liability

■ ■ ■.■ ■. AMIS/Alliance Marketing & Insurance Services LLC ■ ■ ■.■ ■. Costanza Insurance Agency Inc. ■ ■ ■.■ ■. Izzo Insurance Services, A division of Hull & Company LLC

Exterminators

■ ■ ■.■ ■. Houston International Insurance Group ■ ■ ■.■ ■. Sierra Specialty ■ ■ ■.■ ■. Evolution Insurance Brokers ■ ■ ■.■ ■. Joseph Chiarello & Co., Inc.; Firearms Business Insurance Program

Health Clubs

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Evolution Insurance Brokers Great American Insurance Group, Specialty Human Services Indemnity Excess & Surplus Agency Inc. Nautilus Insurance Co. & Great Divide Ins. Co. Roush Insurance Services Inc. Sports & Fitness Insurance Corporation (SFIC)

Hospice (Medical & Non Medical)

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Founders Professional Negley Associates Nonprofits Insurance Alliance Sapphire Blue

Jewelers Block

■ ■ ■.■ ■. Advanced E&S Group - Southeast Region ■ ■ ■.■ ■. Sun Coast General Insurance Agency

Limousines

■ ■ ■.■ ■. KF&B Program Managers Insurance Services ■ ■ ■.■ ■. National Indemnity Company ■ ■ ■.■ ■. Norman-Spencer International Inc.

Pawn Shops

■ ■ ■.■ ■. McLeckie Insurance Group ■ ■ ■.■ ■. Philadelphia Insurance Companies

Pharmacies

■ ■ ■.■ ■. Bass Underwriters

Printer Packages

■ ■ ■.■ ■. Continental Brokers Inc. ■ ■ ■.■ ■. EmergIn Risk

Recycling Centers

■ ■ ■.■ ■. Apollo General Ins. Agency Inc. ■ ■ ■.■ ■. UFG Specialty

Residential Care Facilities ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Great American Insurance Group, Specialty Human Services Irwin Siegel Agency James River Insurance Company Nonprofits Insurance Alliance North Central Agency Inc.

Restaurants

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■ ■ ■ ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Advanced E&S Group - Midwest Region Advanced E&S Group - Southeast Region Artex Risk Solutions Inc. Berkley Select | a Berkley Company Braishfield CapSpecialty Houston International Insurance Group Integrated Specialty Coverages (ISC)

James River Insurance Company

McLeckie Insurance Group North Central Agency Inc. Philadelphia Insurance Companies Quirk & Company Roush Insurance Services Inc. Southern Insurance Underwriters Inc. CMGA Specialty Insurance The McGowan Companies Western Security Surplus Insurance Brokers LLC Western Surplus Lines Agency Inc. Wilson Smith Group LLC Woodlands Insurance Services LLC

www.insurancejournal.com

■ Not Available (Italicized companies offer binding authority.)

Retail Stores ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Advanced E&S Group - Midwest Region Advanced E&S Group - Southeast Region McLeckie Insurance Group North Central Agency Inc. Pacific Excess Insurance Marketing Philadelphia Insurance Companies The McGowan Companies

Self Storage

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Jimcor Agencies MiniCo Insurance Agency LLC PartnerOne Environmental Safehold Special Risk Universal Insurance Programs

Service Stations

■ ■ ■.■ ■. Pacific Excess Insurance Marketing

Shopping Centers

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Advanced E&S Group - Midwest Region Continental Brokers Inc. James River Insurance Company McLeckie Insurance Group North Central Agency Inc. Philadelphia Insurance Companies Quirk & Company The McGowan Companies

Social Service Risks

■ ■ ■.■ ■. ■ ■ ■ ■ ■ ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■ ■ ■ ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Charity First Insurance Services Inc. Gateway Specialty Insurance Great American Insurance Group, Specialty Human Services HULL & Company Inc.

Irwin Siegel Agency

James River Insurance Company Negley Associates Nonprofits Insurance Alliance Rockwood Programs Inc.

Software, Internet & Computer Consulting Co ■ ■ ■.■ ■. Eaton Professional Insurance Services

Staffing Firms

■ ■ ■.■ ■. AmWINS Group Inc. - 118+ Locations Worldwide ■ ■ ■.■ ■. U.S. Risk Insurance Group LLC ■ ■ ■.■ ■. World Wide Specialty Programs Inc.

Storage Facilities

■ ■ ■.■ ■. Universal Insurance Programs

Tanning Salons

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Allen Financial Ins. Group / The Equestrian Group CapSpecialty Donald Gaddis Co. Inc. Insurance Svcs Insurtec Tanning and Spa Insurance Pacific International Underwriters Professional Program Ins. Brokerage, a Div of SPG Ins. Solutions Universal Insurance Programs

Tattooing & Body Piercing

■ ■ ■.■ ■. Allen Financial Ins. Group / The Equestrian Group ■ ■ ■.■ ■. Pacific International Underwriters ■ ■ ■.■ ■. Professional Program Ins. Brokerage, a Div of SPG Ins. Solutions

Valet Parking Companies ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Evolution Insurance Brokers Gorst & Compass Insurance Klein & Costa Insurance Services U.S. Risk Insurance Group LLC UFG Specialty

Special Events Liability Event Cancellation

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■ ■ ■ ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Advanced E&S Group - Southeast Region AmRisk Insurance Services BUA LLC Eventsured Gateway Specialty Insurance Markel Personal Lines Safehold Special Risk

One-Day Special Events

AmRisk Insurance Services Bass Underwriters BUA LLC CapSpecialty Eventsured Gorst & Compass Insurance Insurance Canopy International Excess Companies Irwin Siegel Agency James River Insurance Company K&K Insurance Group Inc. Pacific Gateway Insurance Agency Professional Program Ins. Brokerage, a Div of SPG Ins. Solutions RSI International Inc. Western Security Surplus Insurance Brokers LLC Wilson Smith Group LLC Worldwide Facilities, LLC; MHI-MGA Division www.insurancehelper.com

Promotional Contests ■ ■ ■.■ ■. BUA LLC ■ ■ ■.■ ■. NIF Group Inc.

Special Events

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■ ■ ■ ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■ ■ ■ ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

All Risks Ltd. All Solutions PBS LLC Allen Financial Ins. Group / The Equestrian Group AmRisk Insurance Services AmWINS Group Inc. - 118+ Locations Worldwide Arlington/Roe Ashley General Agency Braishfield Burns & Wilcox CapSpecialty Eventsured Evolution Insurance Brokers Executive Insurance Professionals, PLLC Gateway Specialty Insurance Insurance Canopy IPA Risk Management LLC Irwin Siegel Agency J.E. Brown & Associates

James River Insurance Company

K&K Insurance Group Inc. Markel Personal Lines MJ Kelly Nationwide Nautilus Insurance Co. & Great Divide Ins. Co. NIF Group Inc. Professional Program Ins. Brokerage, a Div of SPG Ins. Solutions Roush Insurance Services Inc. Safehold Special Risk Sierra Specialty South & Western General Agency Inc. T.H.E. Insurance Company UFG Specialty USASIA Insurance Services Western Special Risks, Inc., a JenCap Holdings Company Western Surplus Lines Agency Inc. Western World Insurance Group Wilson Smith Group LLC Worldwide Facilities LLC www.insurancehelper.com

Spectators

■ ■ ■.■ ■. AmRisk Insurance Services ■ ■ ■.■ ■. K&K Insurance Group Inc. ■ ■ ■.■ ■. www.insurancehelper.com

Third Party Property Damage

■ ■ ■.■ ■. AmRisk Insurance Services ■ ■ ■.■ ■. Markel Personal Lines ■ ■ ■.■ ■. www.insurancehelper.com

Sports & Recreation Amateur Sports

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Eventsured K&K Insurance Group Inc. MiniCo Insurance Agency LLC www.insurancehelper.com

Amusement Parks/Fairgrounds

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■ ■ ■ ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Eventsured Evolution Insurance Brokers K&K Insurance Group Inc.

Philadelphia Insurance Companies Sun Coast General Insurance Agency T.H.E. Insurance Company

Bowling Centers

■ ■ ■.■ ■. CapSpecialty ■ ■ ■.■ ■. K&K Insurance Group Inc. ■ ■ ■.■ ■. T.H.E. Insurance Company

Childrens Summer Camps ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Eventsured Great American Insurance Group, Specialty Human Services K&K Insurance Group Inc. Sports & Fitness Insurance Corporation (SFIC)

Driving Ranges

■ ■ ■.■ ■. Philadelphia Insurance Companies ■ ■ ■.■ ■. T.H.E. Insurance Company

Dude Ranches

■ ■ ■.■ ■. Allen Financial Ins. Group / The Equestrian Group ■ ■ ■.■ ■. K&K Insurance Group Inc. ■ ■ ■.■ ■. T.H.E. Insurance Company

Fitness Centers

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Eventsured Great American Insurance Group, Specialty Human Services K&K Insurance Group Inc. Safehold Special Risk Sports & Fitness Insurance Corporation (SFIC) The Hanover Insurance Group

Golf Courses

■ ■ ■.■ ■. CapSpecialty ■ ■ ■.■ ■. Coastal Insurance Underwriters Inc. ■ ■ ■.■ ■. Philadelphia Insurance Companies

January 27, 2020 INSURANCE JOURNAL | 59

2020 National Directory of Excess, Surplus and Specialty Markets, Volume I

Firearm Dealers

■ West

Legend:

■ East

■ Midwest

■ Southeast

■ Texas/South Central

Gymnastics Studios, Martial Arts & Dance Schools

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Eventsured K&K Insurance Group Inc. MiniCo Insurance Agency LLC Sports & Fitness Insurance Corporation (SFIC)

Hole-in-One Liability

■ ■ ■.■ ■. Pacific Gateway Insurance Agency

Motor Sports

■ ■ ■.■ ■. Eventsured ■ ■ ■.■ ■. K&K Insurance Group Inc.

Museums

■ ■ ■.■ ■. Distinguished Programs ■ ■ ■.■ ■. Great American Insurance Group, Specialty Human Services

Outfitters & Guides

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Allen Financial Ins. Group / The Equestrian Group Ashley General Agency Breckenridge Insurance Services CapSpecialty Evolution Insurance Brokers K&K Insurance Group Inc. T.H.E. Insurance Company

Prize Indemnification

■ ■ ■.■ ■. National Indemnity Company ■ ■ ■.■ ■. Pacific Gateway Insurance Agency

2020 National Directory of Excess, Surplus and Specialty Markets, Volume I

Professional Sports

■ ■ ■.■ ■. Eventsured ■ ■ ■.■ ■. K&K Insurance Group Inc.

Riding Stables

■ ■ ■.■ ■. Allen Financial Ins. Group / The Equestrian Group ■ ■ ■.■ ■. T.H.E. Insurance Company

Rodeos

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Allen Financial Ins. Group / The Equestrian Group K&K Insurance Group Inc. MJ Kelly T.H.E. Insurance Company

Shooting Ranges

■ ■ ■.■ ■. Joseph Chiarello & Co., Inc.; Firearms Business Insurance Program

Skating Rinks

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Eventsured K&K Insurance Group Inc. Safehold Special Risk Western World Insurance Group

Ski Area Liability/Special Events Liability ■ ■ ■.■ ■. T.H.E. Insurance Company

Sporting Camps - League

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Allen Financial Ins. Group / The Equestrian Group K&K Insurance Group Inc. Sports & Fitness Insurance Corporation (SFIC) www.insurancehelper.com

Sporting Events

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Allen Financial Ins. Group / The Equestrian Group Eventsured James Klein Insurance K&K Insurance Group Inc. Sports & Fitness Insurance Corporation (SFIC) www.insurancehelper.com

Sports Facilities

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

James River Insurance Company K&K Insurance Group Inc. Safehold Special Risk The Hanover Insurance Group

Theme Parks

■ ■ ■.■ ■. Eventsured ■ ■ ■.■ ■. K&K Insurance Group Inc. ■ ■ ■.■ ■. T.H.E. Insurance Company

Trap & Skeet Shooting Clubs

■ ■ ■.■ ■. Joseph Chiarello & Co., Inc.; Firearms Business Insurance Program ■ ■ ■.■ ■. Sun Coast General Insurance Agency

Winter Recreational Activities

■ ■ ■.■ ■. Evolution Insurance Brokers ■ ■ ■.■ ■. Sun Coast General Insurance Agency

60 | INSURANCE JOURNAL January 27, 2020

■ West

■ Not Available (Italicized companies offer binding authority.)

Workers’ Compensation Excess Reinsurance Workers Comp ■ ■ ■.■ ■. Artex Risk Solutions Inc. ■ ■ ■.■ ■. Gray Specialty ■ ■ ■.■ ■. Midwest Employers Casualty

Maritime Employers Liability (MEL)

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

USL&H

AmWINS Group Inc. - 118+ Locations Worldwide Global Special Risks James River Insurance Company LIG Marine Managers TCA Inc. Texas Mutual Insurance Co. U.S. Risk Insurance Group LLC Worldwide Facilities LLC

AmWINS Group Inc. - 118+ Locations Worldwide Empire Underwriters LLC Global Special Risks Legacy Employer Concepts LLC LIG Marine Managers TCA Inc. Tejas American General Agency Texas Mutual Insurance Co. The American Equity Underwriters Inc. U.S. Risk Insurance Group LLC

Workers’ Comp - High Hazard

■ ■ ■.■ ■. Empire Underwriters LLC ■ ■ ■.■ ■. Houston International Insurance Group ■ ■ ■.■ ■. Jimcor Agencies

Workers’ Comp - Oil & Gas

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Empire Underwriters LLC Global Special Risks Gray Specialty Houston International Insurance Group

Workers’ Comp - PEO

■ ■ ■.■ ■. AmWINS Group Inc. - 118+ Locations Worldwide ■ ■ ■.■ ■. Empire Underwriters LLC ■ ■ ■.■ ■. Legacy Employer Concepts LLC

Workers’ Comp - Small Business

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Empire Underwriters LLC Legacy Employer Concepts LLC Shield Commercial Insurance Services Worldwide Facilities LLC

Workers’ Comp - Truckers and Transportation

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Empire Underwriters LLC Gray Specialty Keating Brokerage Legacy Employer Concepts LLC

Workers’ Comp

AMERISAFE AmWINS Group Inc. - 118+ Locations Worldwide

Applied Underwriters Inc.

Arlington/Roe Arrowhead General Insurance Agency Inc. Artex Risk Solutions Inc. Aviation Insurance Agency Inc. Berkley Specialty Underwriting Managers - Environmental Div Braishfield Breckenridge Insurance Services Charity First Insurance Services Inc. CID Insurance Programs Inc. Clements Worldwide Coastal Insurance Underwriters Inc. Continental Underwriters Inc. Empire Underwriters LLC Executive Insurance Professionals, PLLC Houston International Insurance Group Insurance Canopy Jimcor Agencies Keating Brokerage King Insurance Support Systems Legacy Employer Concepts LLC LIG Marine Managers London Underwriters McLeckie Insurance Group NBIS Negley Associates Norman-Spencer Agency Inc. Omaha National Underwriters LLC Patriot National Underwriters Inc. Safehold Special Risk

Shield Commercial Insurance Services

SIS Wholesale Insurance Services Southern Insurance Underwriters Inc. CMGA Sun Coast General Insurance Agency Target Managers Insurance Services Tejas American General Agency Texas Mutual Insurance Co. U.S. Risk Insurance Group LLC USASIA Insurance Services World Wide Specialty Programs Inc. Worldwide Facilities LLC Worldwide Facilities, LLC; MHI-MGA Division

Workers’ Comp - Alternative Workers Comp

■ ■ ■.■ ■. Empire Underwriters LLC ■ ■ ■.■ ■. Gray Specialty

Workers’ Comp - Auto Related Business

■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■. ■ ■ ■.■ ■.

Empire Underwriters LLC KF&B Program Managers Insurance Services R-T Specialty LLC Risk Strategies Target Managers Insurance Services Tejas American General Agency Worldwide Facilities LLC

www.insurancejournal.com

Alphabetical Directory of Intermediaries and Carriers 5Star Public Auto & Trucking Program

Alliant Underwriting Solutions

158 N. Harbor City Blvd., Melbourne, FL 32935 Phone: (321) 421-6777 E-mail: bob.alkire@5starsp.com ; trucking@5starsp.com www.5starsp.com Managing General Agency, Lloyd’s Correspondent, Managing Underwriter

P.O. Box 609015, San Diego, CA 92160 Phone: (858) 505-4011, Fax: (858) 505-4074 E-mail: marketing@alliantspecialty.com www.alliantunderwriting.com Managing General Agency, Managing Underwriter

5Star Specialty Programs - All Offices

Allsouth Professional Liability

See Website for Addresses, Headquarters - Melbourne, FL 32935 Phone: (877) 247-9772, Fax: (321) 757-6147 E-mail: marketing@5starsp.com www.5starsp.com Managing General Agency, Lloyd’s Correspondent, Managing Underwriter

9800 4th Street N, Ste. 400, St. Petersburg, FL 33702 Phone: (800) 913-9260, Fax: (813) 282-0994 E-mail: info@allsouth.net www.allsouth.net Managing General Agency, A Licensed Surplus Broker, Managing Underwriter

Abram Interstate Insurance Services

American Eagle Underwriting Managers

For more information, check out our ad on page 6 (West). 2211 Plaza Dr., Ste. 100, Rocklin, CA 95765 Phone: (916) 780-7000, Fax: (916) 780-7181 E-mail: media@abraminterstate.com www.abraminterstate.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

1480 SW 30th Ave., Boynton Beach, FL 33426 Phone: (305) 676-9806, Fax: (305) 675-0500 E-mail: msepter@aeums.com www.aeums.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

Access E&S Insurance Services (VA)

9020 Stony Point Pkwy, Ste. 455, Richmond, VA 23236 Phone: (800) 586-6502, Fax: (804) 272-7852 E-mail: ndaly@pgui.com www.americanpublicrisk.com Managing Underwriter

2001 N. Lincoln St., Arlington, VA 22207 Phone: (703) 248-2566, Fax: (703) 248-2565 E-mail: Tim@Access-ES.com www.Access-ES.com A Licensed Surplus Broker, Lloyd’s Correspondent

Admiral Insurance Group

P.O. Box 5430, Mount Laurel, NJ 08054 Phone: (512) 721-2446, Fax: (856) 429-8611 E-mail: mhowey@admiralins.com www.admiralins.com

Advanced E&S Group - Midwest Region

American Public Risk

3250 N. 29th Ave., Hollywood, FL 33020 Phone: (954) 416-9567, Fax: (855) 289-3945 E-mail: sswanson@advancedesgroup.com www.advancedesgroup.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

P.O. Box 6230, Scottsdale, AZ 85261 Phone: (833) 267-4757, Fax: (833) 267-4757 E-mail: mgranado@eventinsurancequote.com www.eventinsurancequote.com Managing General Agency, A Licensed Surplus Broker, Managing Underwriter

Agentic Insurance LLC

AmWINS Group Inc. - 118+ Locations Worldwide

10150 York Rd., 5th Fl, Hunt Valley, MD 21030 Phone: (866) 234-0955, Fax: (410) 828-8179 E-mail: allrisksij@allrisks.com www.allrisks.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

All Solutions PBS LLC

P.O. Box 1218, Morristown, NJ 07962 Phone: (888) 376-5884, Fax: (888) 726-6638 E-mail: Info@AllSolutionsPBS.com www.AllSolutionsPBS.com Managing General Agency, A Licensed Surplus Broker, Lloyd’s Correspondent

Allen Financial Ins. Group/Equestrian Group

13880 N. Northsight Blvd., Ste. C109, Scottsdale, AZ 85260 Phone: (800) 874-9191, Fax: (602) 992-8327 E-mail: mgranado@eqgroup.com www.eqgroup.com Managing General Agency, A Licensed Surplus Broker, Managing Underwriter

www.insurancejournal.com

Arlington/Roe

8900 Keystone Crossing, 8th Fl, Indianapolis, IN 46240 Phone: (800) 878-9891 E-mail: info@arlingtonroe.com www.arlingtonroe.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

Arlington/Roe Aviation

Arrowhead General Insurance Agency Inc.

AmRisk Insurance Services

All Risks Ltd.

260 S. Los Robles Ave., Ste. 205, Pasadena, CA 91101 Phone: (626) 584-5050, Fax: (626) 584-5010 E-mail: shunt@arcxswest.com www.arcbrokers.com

AMIS/Alliance Marketing & Insurance Services LLC

Advanced E&S Group - Southeast Region

1496 Route 3A, Ste. 10, Bow, NH 03278 Phone: (877) 552-2467, Fax: (603) 225-9318 E-mail: jlp@aimscentral.com www.aimscentral.com

ARC West Coast Excess & Surplus Brokerage

8900 Keystone Crossing, 8th Fl, Indianapolis, IN 46240 Phone: (800) 878-9891, Fax: (888) 552-9891 E-mail: tfrench@arlingtonroe.com www.ArlingtonRoeAviation.com Managing General Agency, A Licensed Surplus Broker

2301 Hwy 190 W, DeRidder, LA 70634 Phone: (800) 897-9719 E-mail: marketing@amerisafe.com www.amerisafe.com

P.O. Box 567, San Marcos, CA 92079 Phone: (760) 471-7116, Fax: (760) 471-9378 E-mail: snowell@amiscorp.com www.amisinsurance.com A Licensed Surplus Broker

Agricultural Insurance Mgmt Services

Check out our ads on pages 2 & 3 (National) and on the back cover. P.O. Box 281900, San Francisco, CA 94128 Phone: (877) 234-4450, Fax: (877) 234-4452 E-mail: submissions@auw.com www.auw.com Managing General Agency, Managing Underwriter

AMERISAFE

333 W. Wacker Dr., Ste. 1200, Chicago, IL 60606 Phone: (866) 867-0505, Fax: (312) 579-3438 E-mail: sswanson@advancedesgroup.com www.advancedesgroup.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

900 W. Valley Forge Rd., King of Prussia, PA 19406 Phone: (610) 567-3333, Fax: (610) 567-3334 E-mail: tkatona@agenticins.com www.agenticins.com A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

Applied Underwriters Inc.

For more information, check out our ad on page 27 (National). See Website for Locations, Headquarters - Charlotte, NC 28210 Phone: (704) 749-2700, Fax: (704) 943-9000 E-mail: allison.crisafulli@amwins.com www.amwins.com Managing General Agency, A Licensed Surplus Broker

AmWINS Transportation Underwriters Inc.

3035 S. Church St., Burlington, NC 27215 Phone: (800) 222-2407, Fax: (336) 229-6977 E-mail: andrew.brown@amwins.com www.amwins.com/atu MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

Anderson & Murison Inc.

For more information, check out our ad on page 20 (National). 800 W. Colorado Blvd., Los Angeles, CA 90041 Phone: (323) 255-2333, Fax: (323) 255-0957 E-mail: mjawitz@amqts.com www.andersonmurison.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

Apollo General Ins. Agency Inc.

P.O. Box 1508, Sonoma, CA 95476 Phone: (800) 624-5829, Fax: (707) 996-7912 E-mail: victoriam@apgen.com www.apgen.com Managing General Agency, A Licensed Surplus Broker, Managing Underwriter

701 B St., Ste. 2100, San Diego, CA 92101 Phone: (800) 669-1889, Fax: (619) 881-8695 E-mail: MarketingInfo@ArrowheadGrp.com www.ArrowheadGrp.com A Licensed Surplus Broker, Managing Underwriter

Artex Risk Solutions Inc.

2850 Golf Rd., 5th Fl, Rolling Meadows, IL 60008 Phone: (630) 694-5050 E-mail: artexinfo@artexrisk.com www.artexrisk.com Managing General Agency, A Licensed Surplus Broker, Managing Underwriter

•

Ascinsure Specialty Risk

4 Gateway Ctr, 444 Liberty Ave, Ste. 400, Pittsburgh, PA 15222 Phone: (877) 372-0517, Fax: (888) 316-9016 E-mail: newbusiness@ascinsure.com www.ascinsure.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

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 www.ashleyga.com Managing General Agency, A Licensed Surplus Broker, Lloyd’s Correspondent

AttPro Special Risk

2435 N. Central Expy, Ste. 1400, Richardson, TX 75080 Phone: (866) 513-2794 E-mail: specialriskuw@attorneyprotective.com www.attorneyprotective.com/attprospecialrisk

Aviation Insurance Agency Inc.

2580 SE Aviation Way, Ste. 101, Stuart, FL 34996 Phone: (772) 286-0626, Fax: (772) 286-1108 E-mail: kdavi@avnins.com www.avnins.com A Licensed Surplus Broker

January 27, 2020 INSURANCE JOURNAL | 61

AlphabeticalDirectory DirectoryofofIntermediaries Intermediariesand andCarriers Carriers Alphabetical BUA LLC

22 Deer St., Ste. 400, Portsmouth, NH 03801 Phone: (603) 772-5005, Fax: (603) 372-5990 E-mail: msamperi@buainsurance.com www.buainsurance.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

Cochrane and Company

1405 S. Rustle St., Spokane, WA 99224 Phone: (509) 838-0655, Fax: (509) 838-1710 E-mail: bhogeboom@cochraneco.com www.cochraneco.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

Burns & Wilcox

Bass Underwriters

6951 W. Sunrise Blvd., Plantation, FL 33313 Phone: (954) 473-4488, Fax: (954) 316-3100 E-mail: businessdevelopment@bassuw.com www.bassuw.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

Beacon Hill Associates Inc.

P.O. Box 1532, Charlottesville, VA 22902 Phone: (800) 596-2156, Fax: (434) 979-8964 E-mail: info@b-h-a.com b-h-a.com Managing General Agency, A Licensed Surplus Broker, Managing Underwriter

Berkley Select | a Berkley Company

550 W. Jackson Blvd., Ste. 500, Chicago, IL 60661 Phone: (312) 800-6200, Fax: (312) 207-1839 E-mail: info@berkleyselect.com www.berkleyselect.com

Berkley Specialty Underwriting Managers LLC - Environmental Division

303 W. Madison, Ste. 825, Chicago, IL 60606 Phone: (404) 443-2082, Fax: (312) 727-6060 E-mail: jwyatt@berkleysum.com www.berkleysum.com/environmental.htm Managing Underwriter

Braishfield

5750 Major Blvd., Ste. 200, Orlando, FL 32819 Phone: (407) 825-9911, Fax: (407) 825-9737 E-mail: JBarfield@braishfield.com www.braishfield.com Managing General Agency, A Licensed Surplus Broker, Lloyd’s Correspondent

See website for addresses, Headquarters - Detroit/Farmington Hills, MI Phone: (248) 932-9000, Fax: (248) 932-9046 E-mail: quote@burns-wilcox.com www.burnsandwilcox.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

Calco Commercial Insurance

600 Corporate Pkwy, Ste. 250, Birmingham, AL 35242 Phone: (205) 776-1600, Fax: (205) 776-1619 E-mail: bbleistine@comsectorins.com www.comsectorins.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

Canon Insurance Service

Concord Specialty Risk

9171 Wilshire Blvd., Ste. 620, Beverly Hills, CA 90210 Phone: (310) 859-8600, Fax: (310) 278-3617 www.CanonInsurance.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

CapSpecialty

1600 Aspen Commons, Middleton, WI 53562 Phone: (608) 829-4200, Fax: (608) 829-7408 E-mail: now@CapSpecialty.com CapSpecialty.com Managing General Agency, A Licensed Surplus Broker

Charity First Insurance Services Inc.

1255 Battery St., Ste. 450, San Francisco, CA 94111 Phone: (800) 352-2761, Fax: (415) 536-4033 E-mail: Maureen_Dyson@charityfirst.com www.charityfirst.com Managing General Agency, A Licensed Surplus Broker, Managing Underwriter

CIBA Insurance Services

655 N. Central Ave., Ste. 2100, Glendale, CA 91203 Phone: (818) 638-8525, Fax: (818) 638-8551 E-mail: lqiang@cibaservices.com www.cibaservices.com Managing General Agency, A Licensed Surplus Broker, Managing Underwriter

CID Insurance Programs Inc.

7125 El Cajon Blvd., Ste. 3, San Diego, CA 92115 Phone: (800) 922-7283, Fax: (619) 593-2008 E-mail: programs@cidinsurance.com www.cidinsurance.com Managing General Agency, A Licensed Surplus Broker, Managing Underwriter

Brecht & Associates

1450 Hughes Rd, Ste. 109, Grapevine, TX 76051 Phone: (817) 424-5335, Fax: (817) 424-3772 E-mail: jbrecht@brechtassoc.com www.brechtassoc.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

Breckenridge Insurance Services

245 TownPark Dr., Ste. 200, Kennesaw, GA 30144 Phone: (855) 728-8822 E-mail: partner@breckis.com www.breckis.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

Bristol West Insurance Group

PO Box 31029, Independence, OH 44131 Phone: (188) 888-80080 E-mail: foremostinsurancegroup@foremost.com www.bristolwest.com

Brownyard Group

21 Maple Ave., P.O. Box 9175, Bay Shore, NY 11706 Phone: (800) 645-5820, Fax: (631) 666-5723 E-mail: info@brownyard.com www.brownyard.com Managing General Agency, Managing Underwriter

62 | INSURANCE JOURNAL January 27, 2020

Commercial Sector Insurance Brokers LLC

13907 Ventura Blvd., Ste. 106, Sherman Oaks, CA 91423 Phone: (818) 906-7900, Fax: (866) 521-0617 E-mail: sarkis@calcocommercialinsurance.com www.ecigaretteinsurance.com Managing General Agency, A Licensed Surplus Broker

CITA Insurance Services, a Div. of Brown & Brown Program Ins. Svcs

14 Penn Plaza, 225 W. 34th St., Ste. 1510, New York, NY 10122 Phone: (212) 784-5678, Fax: (212) 784-5679 E-mail: daviddeberry@concordspecialtyrisk.com www.concordspecialtyrisk.com Managing Underwriter

Consumer Specialties Insurance Co. (RRG)

8300 Greensboro Dr., Ste. 980, McLean, VA 20006 Phone: (703) 827-2277, Fax: (703) 827-2279 E-mail: nchanduvi@amesgough.com www.csiplus.com Managing Underwriter

Continental Brokers Inc.

212 Key Dr., Ste. A, Madison, MS 39110 Phone: (866) 386-4136, Fax: (601) 898-4793 E-mail: cs@continentalbrokers.biz www.continentalbrokers.biz MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

Continental Underwriters Inc.

3435-A W. Leigh Street, Richmond, VA 23230 Phone: (804) 643-7800, Fax: (804) 643-5800 E-mail: info@contund.com www.contund.com Managing General Agency, A Licensed Surplus Broker, Managing Underwriter

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 www.cmiprorisk.com A Licensed Surplus Broker

CorRisk Solutions

681 S. Parker St., Ste. 300, Orange, CA 92868 Phone: (888) 813-9295 E-mail: john.jasinski@citainsurance.com www.citainsurance.com Managing General Agency

One Huntington Quadrangle, Ste. 4N20, Melville, NY 11747 Phone: (516) 986-5332 E-mail: Marketing@CorRiskSolutions.com www.corrisksolutions.com Managing Underwriter

Clements Worldwide

Costanza Insurance Agency Inc.

1301 K Street NW, Ste. 1200 West, Washington, DC 20005 Phone: (202) 872-0060, Fax: (202) 466-9064 E-mail: info@clements.com www.clements.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

3010 LBJ Freeway, Ste. 950, Dallas, TX 75234 Phone: (800) 346-0942, Fax: (972) 991-2139 E-mail: b.costanza@cia-tx.com www.costanzainsurance.com Managing General Agency, A Licensed Surplus Broker, Managing Underwriter

Coastal Insurance Underwriters Inc.

CRC Insurance Services

P.O. Box 3140, Ponte Vedra Beach, FL 32004 Phone: (904) 285-7683, Fax: (904) 395-0038 E-mail: info@ciuins.com www.ciuins.com Managing General Agency, A Licensed Surplus Broker, Managing Underwriter

See Website for Locations, Birminham, AL 35209 Phone: (205) 870-7790, Fax: (205) 879-3739 E-mail: marketing@crcins.com www.crcins.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

Coastal Risk Solutions

Crouse & Associates

8025 Black Horse Pike, Ste. 400A, West Atlantic City, NJ 08232 Phone: (609) 862-2444 E-mail: nobrien@coastalrisksolutionsllc.com www.coastalrisksolutionsllc.com Managing General Agency, A Licensed Surplus Broker

650 California St., Ste. 1100, San Francisco, CA 94108 Phone: (415) 982-3870, Fax: (415) 982-2546 E-mail: info@crousesf.com www.crouseandassociates.com Managing General Agency, A Licensed Surplus Broker

www.insurancejournal.com

Alphabetical Directory of Intermediaries andand Carriers Alphabetical Directory of Intermediaries Carriers Delta General Agency Corp.

Euclid Public Sector LLC

Founders Professional

P.O. Box 2045, Houston, TX 77252 Phone: (713) 570-2700, Fax: (713) 570-2800 E-mail: billf@deltains.com www.deltains.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

234 Spring Lake Dr., Itasca, IL 60143 Phone: (630) 238-2703, Fax: (630) 773-8590 E-mail: mail@euclidps.com www.euclidps.com Managing General Agency, Managing Underwriter

2038 1st Avenue South, St. Petersburg, FL 33712 Phone: (727) 498-6503, Fax: (727) 498-6506 E-mail: fpinfo@founderspro.com www.founderspro.com A Licensed Surplus Broker, Lloyd’s Correspondent

DFCORBY Insurance Services

Eventsured

Fox Point Programs

P.O. Box 6297, Fullerton, CA 92834 Phone: (714) 213-3751 E-mail: denn@dfcorby.com www.dfcorby.com

518 W. Lancaster Ave., Haverford, PA 19041 Phone: (888) 882-5902 E-mail: info@eventsured.com www.eventsured.com

Distinguished Programs

Evolution Insurance Brokers

1180 Ave. of the Americas, 16th Fl, New York, NY 10036 Phone: (212) 297-3100, Fax: (212) 297-3130 E-mail: marketing@distinguished.com www.distinguished.com Managing General Agency, A Licensed Surplus Broker

8722 S. Harrison St., Salt Lake City, UT 84070 Phone: (877) 678-7342, Fax: (801) 304-5551 E-mail: quotes@eibdirect.com www.eibdirect.com A Licensed Surplus Broker

DMI Insurance Services

Exceptional Risk Advisors LLC

3001 Philadelphia Pike, Claymont, DE 19703 Phone: (800) 499-7242, Fax: (302) 472-8529 E-mail: info@foxpointprg.com www.foxpointprg.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

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 www.feiinsurance.com Managing General Agency, Managing Underwriter

Frontline Insurance

8911 N. Capital of TX Hwy, Ste. 4240, Austin, TX 78759 Phone: (800) 877-2525 E-mail: info@dmi-insurance.com www.dmi-insurance.com Managing General Agency, A Licensed Surplus Broker, Managing Underwriter

1 International Blvd., Ste. 750, Mahwah, NJ 07495 Phone: (866) 512-0444, Fax: (201) 512-0221 E-mail: info@exceptionalriskadvisors.com www.exceptionalriskadvisors.com A Licensed Surplus Broker, Managing Underwriter

500 International Parkway, Lake Mary, FL 32746 Phone: (877) 744-5224, Fax: (407) 444-5234 E-mail: info@flhi.com www.FrontlineInsurance.com

Donald Gaddis Co. Inc. Insurance Svcs

Executive Insurance Professionals, PLLC

FTP of California

104 S. Michigan Ave., Ste. 1025, Chicago, IL 60603 Phone: (312) 853-0071, Fax: (312) 853-1033 E-mail: cgaddis@gaddiscompany.com www.gaddiscompany.com A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

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 www.episi.net A Licensed Surplus Broker, Lloyd’s Correspondent

6001 W. Interstate 20, Ste. 214, Arlington, TX 76017 Phone: (800) 779-4095, Fax: (866) 779-4331 E-mail: cheryl@execins.com www.execins.com A Licensed Surplus Broker, Lloyd’s Correspondent

P.O. BOX 120747, San Diego, CA 92112 Phone: (314) 496-7077 E-mail: lglaser@FTPins.com www.ftpins.com/california Managing General Agency, A Licensed Surplus Broker, Managing Underwriter

Executive Perils

Gateway Specialty Insurance

800 Wilshire Blvd. Ste. 1525, Los Angeles, CA 90017 Phone: (310) 444-9333, Fax: (310) 444-9355 E-mail: petert@eperils.com www.eperils.com A Licensed Surplus Broker, Lloyd’s Correspondent

1170 Devon Park Drive, Wayne, PA 19087 Phone: (877) 977-4474, Fax: (610) 254-1855 E-mail: info@gatewayspecialty.com www.gatewayspecialty.com A Licensed Surplus Broker

Financial Insurance Consultants LLC

GeoVera Holdings Inc.

Edge Management

230 Park Ave., Ste. 1000, New York, NY 10169 Phone: (212) 496-7478, Fax: (630) 214-4255 E-mail: Info@Edgemgmtllc.com www.edgemgmtllc.com

P.O. Box 2486, Mandeville, LA 70448 Phone: (985) 674-7710 E-mail: kczopek@ficllc.net www.ficllc.net A Licensed Surplus Broker, Lloyd’s Correspondent

For more info, check our ad on pg 3 (S. Central & Southeast). 1455 Oliver Rd., Fairfield, CA 94534 Phone: (707) 863-3686, Fax: (707) 736-4020 E-mail: sgarfield@geovera.com www.geoveraholdingsinc.com

eKo Specialty Insurance Services Inc.

Financial Risk Solutions Inc.

Gerald J. Wilkoff Inc.

P.O. Box 3365, Thousand Oaks, CA 91362 Phone: (805) 373-6968, Fax: (805) 373-6891 E-mail: eKo@eKoSpecialty.com www.eKoSpecialty.com A Licensed Surplus Broker

180 N. LaSalle St., Ste. 3700, Chicago, IL 60601 Phone: (866) 674-9503, Fax: (630) 371-0162 E-mail: jwilson@financialrs.com www.financialrs.com Managing General Agency, Managing Underwriter

95 Main St., Mineola, NY 11501 Phone: (516) 747-0200, Fax: (516) 747-2021 E-mail: info@wilkoffbonds.com www.wilkoffbonds.com Managing Underwriter

EmergIn Risk

Flood Risk Solutions Inc.

Global Special Risks

14 Penn Plaza, 225 W. 34th St., Ste. 1510, New York, NY 10122 Phone: (646) 612-7808, Fax: (646) 612-7819 E-mail: rkhan@emerginrisk.com www.us.emerginrisk.com Managing Underwriter

360 Central Ave., Ste. 1260, St Petersburg, FL 33701 Phone: (727) 256-1991 E-mail: phil@floodsol.com www.floodsol.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

9821 Katy Fwy, Ste. 750, Houston, TX 77024, Houston, TX 77024 Phone: (713) 260-1030, Fax: (713) 952-3978 E-mail: gsr@gsrum.com www.gsrum.com Managing Underwriter

Empire Underwriters LLC

Foremost Insurance Group

Gorst & Compass Insurance

12300 Race Track Rd., Tampa, FL 33626 Phone: (800) 758-8113, Fax: (813) 448-9310 E-mail: quotes@empireunderwriters.com www.empireunderwriters.com A Licensed Surplus Broker

For more information, check out our ad on page 15 (National). 5600 Beech Tree Ln. SE, Caledonia, MI 49316 Phone: (800) 237-6136 E-mail: foremostinsurancegroup@foremost.com www.foremostagent.com

Environmental Insurance Services Inc.

200 Cahaba Park Cir, Ste. 200, Birmingham, AL 35242 Phone: (800) 239-1347, Fax: (205) 991-7767 E-mail: jbarron@env-ins.com www.env-ins.com A Licensed Surplus Broker

Erickson-Larsen Inc.

6425 Sycamore Court No., Maple Grove, MN 55369 Phone: (763) 535-0055, Fax: (763) 535-4051 E-mail: pbloch@ericksonlarseninc.com www.ericksonlarseninc.com Managing General Agency, A Licensed Surplus Broker, Lloyd’s Correspondent

www.insurancejournal.com

9310 Topanga Canyon Blvd., Chatsworth, CA 91311 Phone: (818) 507-0900, Fax: (818) 507-1133 E-mail: mail@gorstcompass.com www.gorstcompass.com Managing General Agency, A Licensed Surplus Broker

Gray Specialty

A pillar of strength. Since 1901. A member of the

Utica National Insurance Group

Founders Insurance Company

1350 E. Touhy Ave., Ste 200W, Des Plaines, IL 60018 Phone: (847) 768-2562 E-mail: pvaulman@foundersinsurance.com myweb.foundersagents.com/default.aspx

3601 N. I-10 Service Road W, Metairie, LA 70002 Phone: (504) 754-6701 E-mail: rswayze@grayspecialty.com www.grayspecialty.com

Gray-Stone & Co.

275 E. Hillcrest Dr., Ste. 250, Thousand Oaks, CA 91360 Phone: (805) 494-4440, Fax: 805294985 E-mail: hstone@gray-stone.com www.gray-stone.com Managing General Agency, A Licensed Surplus Broker, Managing Underwriter

January 27, 2020 INSURANCE JOURNAL | 63

Alphabetical Alphabetical Directory Directory of of Intermediaries Intermediaries and and Carriers Carriers Great American Insurance Group - Executive Liability Division

1450 American Lane, 8th Fl, Schaumburg, IL 60173 Phone: (847) 330-6750 E-mail: ELD@GAIG.com www.GreatAmericanELD.com

Great American Insurance Group, Specialty Human Services

IAAC Inc.

340 W. Passaic St., Rochelle Park, NJ 07662 Phone: (201) 797-1215, Fax: (201) 797-1076 E-mail: g.heitmann@ipariskmanagement.com www.ipariskmanagement.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

Indemnity Excess & Surplus Agency Inc.

Irwin Siegel Agency

301 E. 4th St., 23rd Fl, Cincinnati, OH 45202 Phone: (866) 424-4758, Fax: (888) 513-5593 E-mail: clwood@gaig.com www.SpecialtyHumanServices.com

1915 NW AmberGlen Pky, Ste. 450, Beaverton, OR 97006 Phone: (800) 487-2442, Fax: (503) 526-9700 E-mail: jimh@ies-xs.com www.ies-xs.com A Licensed Surplus Broker

Greenwich Transportation Underwriters Inc. aka GTU

Innovative Risk Solutions

6 Cadillac Dr., Ste. 410, Brentwood, TN 37027 Phone: (800) 488-8852, Fax: (615) 321-4543 E-mail: ben@gtu-ins.com www.gtu-ins.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

Gridiron Insurance Underwriters Inc.

300 S. Pine Island Rd., Ste. 109, Plantation, FL 33324 Phone: (954) 331-3000 E-mail: ddemott@gridironins.com www.gridironins.com Managing Underwriter

Grundy Insurance

P.O. Box 1957, Horsham, PA 19044 Phone: (877) 338-4004, Fax: (215) 674-5716 E-mail: clint@grundy.com www.grundy.com/utility Managing General Agency

Gumtree Wholesale Insurance Brokers Inc.

3345 S. Campbell, Ste. C, Springfield, MO 65807 Phone: (855) 706-1558, Fax: (417) 887-6140 E-mail: vicki.cota@gumtree-ins.com www.gumtree-ins.com A Licensed Surplus Broker

Hagerty

121 Drivers Edge, Traverse City, MI 49684 Phone: (888) 303-7084, Fax: (231) 941-8227 E-mail: agent@hagerty.com www.hagertyagent.com Managing General Agency, Managing Underwriter

Hallmark Financial Services Inc.

For more information, check out our ad on page 79 (National). 777 Main St., Ste. 1000, Fort Worth, TX 76102 Phone: (817) 348-1600 E-mail: bzipoy@hallmarkgrp.com www.hallmarkgrp.com

Houston International Insurance Group

800 Gessner, Ste. 600, Houston, TX 77024 Phone: (713) 935-7414, Fax: (713) 467-8238 E-mail: shauser@hiig.com www.hiig.com Managing General Agency, Managing Underwriter

HULL & Company Inc.

See Website for Locations, Headquarters - Ft. Lauderdale, FL 33316 Phone: (954) 527-4855, Fax: (866) 449-8449 E-mail: ftlauderdale@hullco.com www.hullco.com Managing General Agency, A Licensed Surplus Broker, Lloyd’s Correspondent

Hyers and Associates Inc.

240 Collins Ave., Ste. 2, Columbus, OH 43215 Phone: (888) 901-5650, Fax: (614) 246-0473 E-mail: info@ohioinsureplan.com www.ohioinsureplan.com Managing General Agency

64 | INSURANCE JOURNAL January 27, 2020

IPA Risk Management LLC

5784 Widewaters Pkwy, Dewitt, NY 13214 Phone: (800) 962-7950, Fax: (888) 431-1126 E-mail: bbixby@iiabny.org www.iiabny.org Managing Underwriter

25 Lake Louise Marie Rd., Rock Hill, NY 12775 Phone: (800) 622-8272, Fax: (845) 796-3661 E-mail: siegel@siegelagency.com www.siegelagency.com Managing General Agency, A Licensed Surplus Broker, Managing Underwriter

Izzo Insurance Services, A Div of Hull & Co.

P.O. Box 530210, DeBary, FL 32753 Phone: (954) 931-4795, Fax: (866) 847-5565 E-mail: jwatt@irs-incorporated.com www.irs-incorporated.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

150 S. Bloomingdale Rd., Bloomingdale, IL 60108 Phone: (800) 800-1704, Fax: (630) 582-2803 E-mail: Info@IzzoInsurance.com www.IzzoInsurance.com Managing General Agency, A Licensed Surplus Broker

Insurance Canopy

J.B. Lloyd & Assoc, A Member Co. of US Risk

P.O. Box 34833, North Chesterfield, VA 23234 Phone: (844) 520-6993 E-mail: info@insurancecanopy.com www.insurancecanopy.com/product-liability-insurance A Licensed Surplus Broker, Managing Underwriter

8401 N. Central Expy, Ste. 1000, Dallas, TX 75225 Phone: (972) 248-2433, Fax: (972) 248-7077 E-mail: marketing@lloyd-ins.com www.lloyd-ins.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

Insurance House

J.E. Brown & Associates

P.O. Box 28155, Atlanta, GA 30358 Phone: (770) 952-0080, Fax: (770) 952-3274 E-mail: marketingmail@insurancehouse.com www.insurancehouse.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

303 Lennon Ln., Walnut Creek, CA 94598 Phone: (925) 947-2990, Fax: (925) 947-3978 E-mail: marketing@jebrown.net www.jebrown.net Managing General Agency, A Licensed Surplus Broker

Insurtec Tanning and Spa Insurance

J.M. Wilson

P.O. Box 25, Rich Hill, MO 64479 Phone: (800) 606-0621, Fax: (417) 395-2713 E-mail: info@insurtecinc.com www.insurtecinc.com A Licensed Surplus Broker

Integrated Specialty Coverages (ISC)

500 Mamaroneck Ave., Ste. 320, Harrison, NY 10528 Phone: (908) 723-8559 E-mail: contact@iscmga.com www.iscmga.com Managing General Agency, Managing Underwriter

Intercorp Inc.

1438-F W. Main St., Ephrata, PA 17522 Phone: (717) 721-3500, Fax: (717) 721-3515 E-mail: info@intercorpinc.net www.intercorpinc.net Managing General Agency, A Licensed Surplus Broker, Managing Underwriter

For more info, check our ad on pg 4 (Southeast) & pg 2 (Midwest). 8036 Moorsbridge Rd., Portage, MI 49024 Phone: (800) 282-8113, Fax: (269) 327-2620 E-mail: cbaldwin@jmwilson.com www.jmwilson.com Managing General Agency, A Licensed Surplus Broker

Jacobs & Associates Inc.

12782 Prospect Rd., Strongsville, OH 44149 Phone: (440) 625-2690, Fax: (440) 625-2731 E-mail: jim@jacobsnow.com www.jacobsnow.org A Licensed Surplus Broker

James Klein Insurance

200 E. Sandpointe Ave., Ste. 310, Santa Ana, CA 92707 Phone: (714) 918-0914, Fax: (714) 918-0922 E-mail: pdavis@jameskleininsurance.com A Licensed Surplus Broker

Interline Insurance Services

4 Centerpointe Dr., Ste. 300, La Palma, CA 90623 Phone: (800) 229-8790, Fax: (562) 356-0288 E-mail: swalker@ameritrustgroup.com www.interlineinsurance.com Managing General Agency, A Licensed Surplus Broker, Managing Underwriter

International Excess Companies

3700 Park East Dr., Ste. 250, Beachwood, OH 44122 Phone: (800) 937-3497, Fax: (216) 342-7442 E-mail: kennethkukral@intlxs.com www.intlxs.com Managing General Agency, A Licensed Surplus Broker, Lloyd’s Correspondent

International Transportation & Marine Agency Inc.

7835 E. Evans Rd., Bldg 300, Scottsdale, AZ 85260 Phone: (480) 556-0200, Fax: (480) 556-0201 E-mail: info@itmagency.com www.itmagency.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

James River Insurance Company

6641 W. Broad St., Ste. 300, Richmond, VA 23230 Phone: (804) 289-2700, Fax: (804) 549-5087 E-mail: info@jamesriverins.com www.jamesriverins.com

James River underwrites a wide variety of specialty P&C and Professional risks on an E&S basis in all states. Visit www.jamesriverins.com to find a JRICauthorized wholesale broker!

Jamison Risk Services

20 Commerce Dr., Cranford, NJ 07016 Phone: (973) 669-2311, Fax: (973) 731-3035 E-mail: ccaruso@jamisongroup.com www.jamisongroup.com Managing General Agency, A Licensed Surplus Broker, Lloyd’s Correspondent

www.insurancejournal.com

Alphabetical Directory of Intermediaries and Carriers Legacy Employer Concepts LLC

Jimcor Agencies

60 Craig Rd., Montvale, NJ 07645 Phone: (201) 573-8200, Fax: (201) 573-8820 E-mail: marketing@jimcor.com www.jimcor.com Managing General Agency, A Licensed Surplus Broker

Joseph Chiarello & Co., Inc.; Firearms Business Insurance Program

25 DeForest Ave., Ste. 208, Summit, NJ 07901 Phone: (800) 526-2199, Fax: (908) 473-0110 E-mail: info@jcinsco.com www.guninsurance.com Managing General Agency, A Licensed Surplus Broker, Managing Underwriter

K&K Insurance Group Inc.

For more information, check out our ad on page 11 (National). 1712 Magnavox Way, Ft. Wayne, IN 46804 Phone: (800) 637-4757, Fax: (260) 459-5800 E-mail: kk.general@kandkinsurance.com www.kandkinsurance.com Managing Underwriter

Keating Brokerage

2525 E. Camelback Rd., Ste. 800, Phoenix, AZ 85016 Phone: (602) 325-5582, Fax: (602) 325-5591 E-mail: info@keating.insurance www.keating.insurance Managing General Agency, A Licensed Surplus Broker, Managing Underwriter

Kevin Davis Insurance Services

800 W. Sixth St., Ste. 1700, Los Angeles, CA 90017 Phone: (877) 807-8708, Fax: (213) 477-2057 E-mail: sbranson@kdins.com www.kdisonline.com Managing General Agency, A Licensed Surplus Broker, Managing Underwriter

KF&B Program Managers Insurance Services

425 W. Broadway, Ste. 308, Glendale, CA 91204 Phone: (818) 242-5100, Fax: (818) 242-6800 E-mail: czallo@kfbins.com www.kfbins.com Managing General Agency, A Licensed Surplus Broker, Managing Underwriter

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 www.kinginsuranceca.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 www.kinsaleins.com

Klein & Costa Insurance Services

200 E. Sandpointe Ave., Ste. 580, Santa Ana, CA 92707 Phone: (714) 918-0914, Fax: (714) 918-0922 E-mail: ccosta@kleincosta.com www.kleincosta.com Managing General Agency, A Licensed Surplus Broker

P.O. Box 770, Naples, TX 75568 Phone: (903) 897-9090, Fax: (760) 462-1696 E-mail: Bill@mcleckie.com www.mcleckie.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

LifeScienceRisk

Meridian Finance Group

180 N. Stetson Ave., 46th Fl., Chicago, IL 60601 Phone: (312) 784-6005, Fax: (312) 784-6002 E-mail: mark.wood@lsrisk.com www.lsrisk.com Managing Underwriter

11900 W Olympic Blvd 8th Floor, Los Angeles, CA 90064 Phone: (310) 260-2130, Fax: (310) 260-2140 E-mail: gmendell@meridianfinance.com www.meridianfinance.com

LIG Marine Managers

214 E. Birch Ave., Flagstaff, AZ 86001 Phone: (928) 433-6728, Fax: (928) 779-7221 E-mail: denny.lauritsen@mexicoinsuranceonline.com www.mexicoinsuranceonline.com

111 2nd Ave. NE, Ste. 1101, St. Petersburg, FL 33701 Phone: (727) 578-2800, Fax: (727) 578-9977 E-mail: KLT@LIGMarine.com www.LIGMarine.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

London Underwriters

18851 NE 29th Ave., Ste. 406, Aventura, FL 33180 Phone: (866) 245-5197 E-mail: marketing@londonuw.com www.londonuw.com A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

M.J. Hall & Company Inc.

For more information, check out our ad on page 5 (West). P.O. Box 192, Stockton, CA 95201 Phone: (209) 948-8108, Fax: (209) 465-3843 E-mail: staceys@mjhallandcompany.com www.mjhallandcompany.com Managing General Agency, A Licensed Surplus Broker, Lloyd’s Correspondent

MacAfee & Edwards Inc - Mexican Insurance

800 S. Figueroa St., Ste. 790, Los Angeles, CA 90017 Phone: (213) 629-9777, Fax: (213) 629-9779 E-mail: juan@mexicard.com www.macafeeandedwards.com Managing General Agency, A Licensed Surplus Broker, Managing Underwriter

MainstreetUmbrella.com

P.O. Box 8586, Emeryville, CA 94662 Phone: (800) 564-1799, Fax: (510) 655-3076 E-mail: info@mymga.com mainstreetumbrella.com Managing General Agency, Managing Underwriter

Maritime Program Group

P.O. Box 969, Westbrook, CT 06498 Phone: (800) 366-8086, Fax: (860) 399-3695 E-mail: dpesce@maritimepg.com www.maritimepg.com Managing General Agency, Managing Underwriter

Markel

4600 Cox Rd., Glen Allen, VA 23060 Phone: (800) 431-1270, Fax: (804) 965-1689 E-mail: eservice@markelcorp.com www.markelinsurance.com

Markel Personal Lines

P.O. Box 906, Pewaukee, WI 53072 Phone: (262) 548-9880, Fax: (262) 547-9436 E-mail: maicmarketing@markelcorp.com www.markelmarine.com

www.insurancejournal.com

Mexico Insurance Online

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 www.midlandsmgt.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

Midwest Employers Casualty

14755 N. Outer 40 Dr., Ste. 300, Chesterfield, MO 63017 Phone: (636) 449-7000, Fax: (636) 449-7199 E-mail: rlunceford@mecasualty.com www.mecasualty.com

MiniCo Insurance Agency LLC

10851 N. Black Canyon Hwy, Ste. 200, Phoenix, AZ 85029 Phone: (800) 447-8383, Fax: (602) 861-1094 E-mail: customercare@minico.com www.minico.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

MJ Kelly

4415 E. Sunshine Street, Springfield, MO 65809 Phone: (800) 725-7211, Fax: (501) 945-6083 E-mail: newbusiness@mjkelly.com www.mjkelly.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

Monarch E&S Insurance Services

For more information, check out our ad on page 3 (West). 2550 N Hollywood Way, Ste. 501, Burbank, CA 91505 Phone: (818) 249-0100, Fax: (818) 249-1166 E-mail: lindam@monarchexcess.com www.monarchexcess.com Managing General Agency, A Licensed Surplus Broker, Lloyd’s Correspondent

MyMGA.com

P.O. Box 8586, Emeryville, CA 94662 Phone: (800) 564-1799, Fax: (510) 655-3076 E-mail: mnyquist@mymga.com mymga.com Managing General Agency

National Advantage Insurance Services Inc.

PO Box 1065, Tustin, CA 92781 Phone: (714) 505-1015, Fax: (714) 505-1025 E-mail: clifford@naisins.com www.naisins.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

National Indemnity Company

1314 Douglas, Ste. 1400, Omaha, NE 68102 Phone: (402) 916-3000, Fax: (402) 916-3030 E-mail: info@nationalindemnity.com www.nationalindemnity.com

Landmark E&S Insurance Brokers LLC

2400 E. Katella Ave., Ste. 800, Anaheim, CA 92806 Phone: (949) 534-9106 E-mail: nhuynh@landmark-es.com www.landmark-es.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

McLeckie Insurance Group

3030 N. Rocky Point Dr., Ste. 150A, Tampa, FL 33607 Phone: (813) 460-9166 E-mail: brett@legacyemployerconcepts.com www.legacyemployerconcepts.com Managing General Agency, A Licensed Surplus Broker

Nationwide

MAXIMUM

222 S. Riverside Plaza, Ste. 2340, Chicago, IL 60606 Phone: (312) 559-9348, Fax: (312) 559-0930 E-mail: joem@maxib.com www.maxib.com Managing General Agency, A Licensed Surplus Broker, Lloyd’s Correspondent

For more information, check out our ad on page 7 (National). 8877 N. Gainey Center Dr., Scottsdale, AZ 85258 Phone: (800) 423-7675, Fax: (480) 483-6752 E-mail: palacj3@nationwide.com www.nationwideexcessandsurplus.com A Licensed Surplus Broker

January 27, 2020 INSURANCE JOURNAL | 65

Alphabetical Directory of Intermediaries and Carriers Nautilus Insurance Co. & Great Divide Ins. Co.

For more information, check out our ad on page 21 (National). 7233 E. Butherus Dr., Scottsdale, AZ 85260 Phone: (480) 951-0905, Fax: (480) 951-9730 E-mail: nicmarketing@nautilus-ins.com www.nautilusinsgroup.com

NBIS

2859 Paces Ferry Rd. SE, 800 Overlook III, Atlanta, GA 30339 Phone: (770) 257-1777, Fax: (770) 257-1500 E-mail: contactus@nbis.com www.NBIS.com Managing General Agency, A Licensed Surplus Broker, Managing Underwriter

Norman-Spencer International Inc.

Patriot National Underwriters Inc.

150 E. 22nd St., Lombard, IL 60148 Phone: (630) 705-4140, Fax: (630) 705-1056 E-mail: gretchen@normanspencer.com www.normanspencer.com Managing General Agency, A Licensed Surplus Broker, Managing Underwriter

P.O. Box 803143, Dallas, TX 75380 Phone: (972) 239-1458, Fax: (972) 233-3487 E-mail: corky.ellis@patriotnational.com www.patriotnational.com Managing General Agency, A Licensed Surplus Broker, Managing Underwriter

North Central Agency Inc.

PERse

PO Box 337, West Monroe, LA 71294 Phone: (318) 381-8988, Fax: (318) 381-8987 E-mail: richard@nca-ins.com www.nca-ins.com A Licensed Surplus Broker, Lloyd’s Correspondent

23 Corporate Plaza, Ste. 248, Newport Beach, CA 92660 Phone: (949) 873-0324, Fax: (949) 873-0319 E-mail: mbernay@powerenergyrisk.com www.powerenergyrisk.com Managing Underwriter

Number One Insurance Agency

PersonalUmbrella.com

91 Cedar St., Milford, MA 01757 Phone: (508) 634-2900, Fax: (508) 634-2930 E-mail: numberone@massagent.com www.massagent.com Managing General Agency, A Licensed Surplus Broker

For more information, check out our ad on pages 4 & 5 (National). P.O. Box 8586, Emeryville, CA 94662 Phone: (800) 564-1799, Fax: (510) 655-3076 E-mail: dsmith@personalumbrella.com personalumbrella.com Managing General Agency, Managing Underwriter

Negley Associates

389 Interpace Pkwy, 4th Fl, Parsippany, NJ 07054 Phone: (862) 286-3550, Fax: (866) 865-5655 E-mail: info@jjnegley.com www.jjnegley.com Managing General Agency, A Licensed Surplus Broker, Managing Underwriter

NeitClem Wholesale Insurance Brokerage Inc.

Omaha National Underwriters LLC

7442 N. Figueroa St., Los Angeles, CA 90041 Phone: (323) 258-2600, Fax: (323) 258-2676 E-mail: jcenteno@neitclem.com www.neitclem.com A Licensed Surplus Broker

For more information, check out our ad on page 1 (National). 11128 John Galt Blvd., Ste. 500, Omaha, NE 68137 Phone: (844) 761-8400, Fax: (844) 761-8402 E-mail: sales@omahanational.com www.omahanational.com

New Empire Group

Orion Commercial Insurance Services Inc.

214 W. Park Ave., Long Beach, NY 11561 Phone: (516) 431-8300, Fax: (516) 431-5351 E-mail: robm@newempiregroup.com www.newempiregroup.com A Licensed Surplus Broker, Managing Underwriter

P.O. Box 30634, Walnut Creek, CA 94598 Phone: (925) 280-1155, Fax: (925) 280-0333 E-mail: al@orionslb.com Not Available A Licensed Surplus Broker

Next Wave Insurance Services LLC

Pacific Excess Insurance Marketing

110 West A Street, Ste. 675, San Diego, CA 92101 Phone: (619) 232-3900, Fax: (619) 234-6500 E-mail: info@nextwaveins.com www.nextwaveins.com Managing General Agency, A Licensed Surplus Broker, Managing Underwriter

Philadelphia Insurance Companies

For more information, check out our ad on page 13 (National). 231 Saint Asaphs Rd., Ste. 100, Bala Cynwyd, PA 19004 Phone: (800) 873-4552, Fax: (610) 617-7940 E-mail: phlysales@phly.com www.phly.com A Licensed Surplus Broker

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.

6363 Katella Ave., Cypress, CA 90630 Phone: (800) 222-5582, Fax: (714) 228-7838 E-mail: marketing@pacificexcess.com www.pacificexcess.com Managing General Agency, A Licensed Surplus Broker

Pacific Gateway Insurance Agency

For more information, check out our ad on page 1 (West). 28470 Ave Stanford, Ste. 325, Valencia, CA 91355 Phone: (800) 354-4844, Fax: (661) 257-5988 E-mail: cal_landess@pgiainsurance.com www.nationalindemnity.com/pgia Managing General Agency, Managing Underwriter

Pacific International Underwriters

NIF Group Inc.

30 Park Ave., Manhasset, NY 11030 Phone: (516) 365-7440, Fax: (516) 365-7392 E-mail: marketing@nifgroup.com www.nifgroup.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

Nonprofits Insurance Alliance

P.O. Box 8507, Santa Cruz, CA 95061 Phone: (831) 621-6021, Fax: (831) 459-0853 E-mail: dsavage@insurancefornonprofits.org www.insurancefornonprofits.org

Norman-Spencer Agency Inc.

8075 Washington Village Dr., Dayton, OH 45458 Phone: (800) 543-3248, Fax: (937) 432-1635 E-mail: info@norman-spencer.com www.norman-spencer.com Managing General Agency

66 | INSURANCE JOURNAL January 27, 2020

627 Dayton St., Edmonds, WA 98020 Phone: (425) 771-8988, Fax: (425) 775-9046 E-mail: brian@piuinc.com www.piuinc.com Managing General Agency, A Licensed Surplus Broker

Paramount General Agency

3200 Troup Highway, Ste. 310, Tyler, TX 75703 Phone: (866) 514-2200 E-mail: info@iscmga.com www.paramountgeneralagency.com Managing General Agency, Managing Underwriter

PartnerOne Environmental

P.O. Box 1532, Charlottesville, VA 22902 Phone: (800) 596-0172, Fax: (434) 979-8964 E-mail: p1info@p1enviro.com www.p1enviro.com Managing General Agency, A Licensed Surplus Broker, Managing Underwriter

Preferred Property Programs

101 Crawfords Corner Rd., Ste. 1300, Holmdel, NJ 07733 Phone: (888) 548-2465, Fax: (732) 946-0547 E-mail: info@ppp-quotes.com www.ppp-quotes.com Managing General Agency, Managing Underwriter

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 www.primeis.com

Proctor Financial Inc.

5225 Crooks Rd., Troy, MI 48098 Phone: (800) 521-6800, Fax: (248) 269-5605 E-mail: info@pfic.com www.pfic.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

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 www.pgui.com Managing General Agency, A Licensed Surplus Broker, Managing Underwriter

www.insurancejournal.com

Alphabetical Directory of Intermediaries and Carriers Professional Insurance Concepts

Redstone Underwriters

RSI International Inc.

389 Interpace Pkwy, 4th Fl, Parsippany, NJ 07054 Phone: (862) 286-3470, Fax: (973) 263-0747 E-mail: DGriffin@ProInsConcepts.com www.ProInsConcepts.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

13455 Noel Rd, Ste 2300, Dallas, TX 75240 Phone: (469) 310-2121 E-mail: info@redstoneins.com www.redstoneunderwriters.com/ Managing General Agency, Managing Underwriter

1250 E. Copeland Rd., Arlington, TX 76011 Phone: (800) 275-2084, Fax: (817) 861-8955 E-mail: prainey@rsii.net www.rsimga.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

Professional Liability Insurance Services Inc. - Underwriting Facilities

RelMark Program Managers

Russell Bond & Co. Inc.

5802 Thunderbird, Bldg 10, Ste. 100, Lago Vista, TX 78645 Phone: (800) 761-7547, Fax: (512) 327-5834 E-mail: underwriting@plisinc.com www.plisinc.com Lloyd’s Correspondent

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

371 Bel Marin Keys Blvd., Ste 220, Novato, CA 94949 Phone: (415) 475-4300, Fax: (415) 475-4303 E-mail: info@ppibcorp.com www.ppibcorp.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

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 www.promontadvisors.com Managing General Agency, A Licensed Surplus Broker, Managing Underwriter

961 Pottstown Pike, Chester Springs, PA 19425 Phone: (800) 874-5880, Fax: (610) 321-1011 E-mail: RRittersbach@relmarkgroup.com www.relmark.net A Licensed Surplus Broker, Managing Underwriter

295 Main St., Ste. 866, Buffalo, NY 14203 Phone: (800) 333-7226, Fax: (800) 677-6779 E-mail: info@russellbond.com www.russellbond.com Managing General Agency, A Licensed Surplus Broker, Lloyd’s Correspondent

Risk Strategies

Safehold Special Risk

7530 Lucerne Dr., Ste. 101, Cleveland, OH 44130 Phone: (877) 862-4755, Fax: (914) 636-0802 E-mail: info@risk-strategies.com www.risk-strategies.com A Licensed Surplus Broker

100 Glen Eagles Ct., Carrollton, GA 30117 Phone: (800) 842-8917, Fax: (770) 836-8563 E-mail: hturner@safehold.com www.safehold.com Managing General Agency, Managing Underwriter

Risk Theory LLC

Sapphire Blue

13455 Noel Rd., Ste. 2300, Dallas, TX 75240 Phone: (469) 310-9142, Fax: (469) 310-9110 E-mail: batkinson@risktheory.com www.risktheory.com Managing General Agency, A Licensed Surplus Broker, Managing Underwriter

Shelly, Middlebrooks & O’Leary Inc. (Jacksonville)

ProSurance Group Inc.

208 N. Laura St., Ste. 600, Jacksonville, FL 32202 Phone: (800) 342-2498, Fax: (904) 355-7611 E-mail: cviawebsite@shellyins.com www.shellyins.com Managing General Agency, A Licensed Surplus Broker

2685 Marine Way, Ste. 1408, Mountain View, CA 94043 Phone: (650) 428-0818, Fax: (650) 428-0860 E-mail: financialservices@prosurancegroup.com www.prosurancegroup.com Managing General Agency, A Licensed Surplus Broker

ProWriters

RLI

41 Leopard Rd., Ste. 301, Paoli, PA 19301 Phone: (484) 321-2335, Fax: (484) 321-2339 E-mail: info@prowritersins.com www.prowritersins.com Managing General Agency, A Licensed Surplus Broker, Managing Underwriter

9025 N. Lindbergh Dr., Peoria, IL 61615 Phone: (309) 692-1000, Fax: (309) 692-1068 E-mail: Communications@rlicorp.com www.rlicorp.com

Quadrant Insurance Managers

1575 Heritage Dr., Ste. 103, McKinney, TX 75069 Phone: (972) 332-4664, Fax: (888) 423-4094 E-mail: info@rlig.com www.rlig.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

501 W. Schrock Rd., Ste. 301, Westerville, OH 43081 Phone: (614) 841-1425, Fax: (614) 841-1426 E-mail: info@quadrant-us.com www.quadrant-us.com Managing General Agency, A Licensed Surplus Broker, Lloyd’s Correspondent

Quirk & Company

P.O. Box 792030, San Antonio, TX 78279 Phone: (800) 299-9421, Fax: (210) 340-4075 E-mail: kquirk@quirkco.com www.quirkco.com Managing General Agency, A Licensed Surplus Broker, Lloyd’s Correspondent

R-T Specialty LLC

180 N. Stetson Ave., 46th Floor, Chicago, IL 60601 Phone: (888) 884-1900, Fax: (312) 784-6002 E-mail: marketing@rtspecialty.com www.rtspecialty.com A Licensed Surplus Broker

R.E. Chaix & Assoc.

3200 El Camino Real, Ste. 290, Irvine, CA 92602 Phone: (949) 722-4177, Fax: (949) 722-4172 E-mail: timc@rechaixinsurance.com www.rechaixinsurance.com A Licensed Surplus Broker, Lloyd’s Correspondent

RealCare Insurance

430 W. Napa St., Ste. F, Sonoma, CA 95476 Phone: (800) 996-0599, Fax: (707) 935-7142 E-mail: realcare@nfp.com www.realcareprograms.com Managing General Agency, Managing Underwriter

www.insurancejournal.com

180 N. Stetson Ave., 46th Fl., Chicago, IL 60601 Phone: (312) 784-6007, Fax: (312) 784-6002 E-mail: nancy.mcmahon@sapphireblueuw.com www.sapphireblueuw.com Managing Underwriter

RockLake Insurance Group Inc.

Rockwood Programs Inc.

3001 Philadelphia Pike, Claymont, DE 19703 Phone: (800) 558-8808, Fax: (302) 764-5477 E-mail: sales@rockwoodinsurance.com www.rockwoodinsurance.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

Ross Diversified Insurance Services

Shield Commercial Insurance Services

43725 Monterey Ave., Ste. A, Palm Desert, CA 92260 Phone: (760) 345-9029, Fax: (800) 345-4851 E-mail: info@shieldins.net www.shieldins.net Managing General Agency, A Licensed Surplus Broker, Managing Underwriter We have been providing insurance products to contractors since 2004 through our retail broker network. Visit our website to get appointed. Everything is online. We have General Liability, Excess and Inland Marine Available. We only deal with carriers that are A rated by A.M. Best.

12200 Industry St, Garden Grove, CA 92841 Phone: (800) 210-7677, Fax: (714) 379-0173 E-mail: sbrust@ross2.com www.rossdiv.com Managing General Agency

Roush Insurance Services Inc.

P.O. Box 1060, Noblesville, IN 46061 Phone: (800) 752-8402, Fax: (317) 776-6891 E-mail: info@roushins.com www.roushins.com Managing General Agency, A Licensed Surplus Broker

RPS Healthcare

525 W. Van Buren, Ste. 1325, Chicago, IL 60607 Phone: (312) 803-6014, Fax: (312) 922-7563 E-mail: diane_burrows@rpsins.com www.rpsins.com/healthcare A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

Sierra Specialty

234 Clovis Ave., Clovis, CA 93612 Phone: (559) 256-6900, Fax: (559) 256-6950 E-mail: Mark@SierraSpecialty.com www.SierraSpecialty.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

SIS Wholesale Insurance Services

3250 Grey Hawk, Carlsbad, CA 92010 Phone: (760) 599-7242, Fax: (866) 467-6701 E-mail: info@sisinsure.com www.sisinsure.com Managing General Agency, A Licensed Surplus Broker, Managing Underwriter

January 27, 2020 INSURANCE JOURNAL | 67

Alphabetical Directory of Intermediaries and Carriers South & Western General Agency Inc.

TAPCO Underwriters Inc.

P.O. Box 9015, Addison, TX 75001 Phone: (800) 492-5351, Fax: (972) 855-2970 E-mail: sales@southandwestern.com www.southandwestern.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

3060 S. Church St., Burlington, NC 27216 Phone: (800) 334-5579, Fax: (336) 584-8880 E-mail: KAllred@gotapco.com www.GoTAPCO.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

Southern Insurance Underwriters Inc. CMGA

Target Managers Insurance Services

4500 Mansell Rd., Alpharetta, GA 30022 Phone: (800) 568-1700, Fax: (678) 498-4610 E-mail: marketing@siuins.com www.siuins.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

10161 Park Run Dr., Ste. 150, Las Vegas, NV 89145 Phone: (702) 588-5300, Fax: (702) 588-5310 E-mail: mkiger@targetmanagers.com www.targetmanagers.com Managing General Agency, Managing Underwriter

Southwest Risk

Target Professional Programs

8144 Walnut Hill Ln., Ste. 1400, Dallas, TX 75231 Phone: (214) 206-4900, Fax: (214) 206-4901 E-mail: info@swrisk.com www.swrisk.com Managing General Agency, A Licensed Surplus Broker

1230 E. Diehl Rd., Ste. 350, Naperville, IL 60563 Phone: (331) 333-8239, Fax: (630) 961-0284 E-mail: sreidy@targetproins.com www.TargetProIns.com Managing General Agency, A Licensed Surplus Broker, Lloyd’s Correspondent

Sovereign Group Int’l Inc.

TCA Inc.

517 Rt 1 S, Ste. 3100, Iselin, NJ 08830 Phone: (732) 750-2300, Fax: (732) 750-1650 E-mail: bill@sovereignins.com www.sovereignins.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

10188 Big Canoe, Jasper, GA 30143 Phone: (770) 205-2958, Fax: (770) 205-2360 E-mail: carlpeterson@tca-insurance.com www.facebook.com/tcainsurance A Licensed Surplus Broker

Specialty Insurance

Technical Risk Underwriters

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

One Blue Hill Plaza, Ste. 530, Pearl River, NY 10965 Phone: (845) 735-0700, Fax: (845) 735-8383 E-mail: mkatz@mechanicgroup.com www.mechanicgroup.com Managing General Agency, A Licensed Surplus Broker

Insurance Programs, Brokerage and Risk Management for the Security Officer, Electronic Security-Alarm, Investigation and Background Screening Industry.

Tokio Marine HCC

2300 Clayton Rd., Ste. 1100, Concord, CA 94520 Phone: (925) 305-2115 E-mail: jbechter@tmhcc.com www.tmhcc.com Managing Underwriter

Trade Risk Partners Inc.

1610 Route 88 Ste. 102, Brick, NJ 08724 Phone: (732) 701-8900, Fax: (732) 458-3728 E-mail: clewis@specialtyagency.com www.specialtyagency.com Managing General Agency, Managing Underwriter

6101 W. Courtyard Dr., Bldg. Two, Ste. 200, Austin, TX 78730 Phone: (512) 354-2014, Fax: (312) 784-6002 E-mail: info@truins.com www.truins.com Managing Underwriter

1515 W. 22nd St., Oak Brook, IL 60523 Phone: (312) 382-7080, Fax: (844) 620-8026 E-mail: Amy_Orzech@coface-USA.com www.coface-midwest.com

Specialty Insurance Managers Inc.

Tejas American General Agency

Transportation Risk Underwriters

8601 Ranch Road 2222, Ste. 1-400, Austin, TX 78730 Phone: (800) 876-3278, Fax: (877) 399-2720 E-mail: mberry@simtexas.com www.simtexas.com Managing General Agency, A Licensed Surplus Broker

Specialty Risk Associates Inc.

P.O. Box 53049, Shreveport, LA 71135 Phone: (318) 865-7023, Fax: (318) 865-7049 E-mail: tgarland@sramga.com www.sramga.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

Sports & Fitness Insurance Corporation

For more info, check our ad on page 1 (S. Central & Southeast). 1620 La Jaita Dr., Ste. 300, Cedar Park, TX 78613 Phone: (888) 999-8242, Fax: (512) 342-2803 E-mail: submissions@taga1.com www.taga1.com Managing General Agency, A Licensed Surplus Broker, Lloyd’s Correspondent

Texas Mutual Insurance Company

For more information, check our ad on page 7 (S. Central). 2200 Aldrich St., Austin, TX 78723 Phone: (800) 859-5995, Fax: (512) 224-8585 E-mail: information@texasmutual.com www.texasmutual.com

U.S. Brokers Network, a Specialty Program Division of US Risk LLC

1832 Woodmoor Dr., Ste. 101, Monument, CO 80132 Phone: (719) 309-1051 E-mail: submissions@usbrokersnetwork.com www.usbrokersnetwork.com Managing General Agency, A Licensed Surplus Broker

The American Equity Underwriters Inc.

212 Key Dr., Ste. A, Madison, MS 39110 Phone: (800) 844-0536, Fax: (601) 853-6141 E-mail: askus@sportsfitness.com www.sportsfitness.com/ij MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

32nd Fl, 11 N. Water St., Mobile, AL 36602 Phone: (251) 690-4230, Fax: (251) 690-4299 E-mail: aeu.marketing@amequity.com www.amequity.com

Sun Coast General Insurance Agency

The Hanover Insurance Group

P.O. Box 30750, Laguna Hills, CA 92654 Phone: (800) 300-8838, Fax: (949) 768-4045 E-mail: jyeskin@suncoastinsurance.com www.SunCoastInsurance.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

7237 Oak Ridge Hwy, Knoxville, TN 37931 Phone: (800) 977-9884, Fax: (800) 686-2170 E-mail: underwriting@transportationrisk.com www.transportationrisk.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

440 Lincoln St., Worcester, MA 01653 Phone: (508) 855-1000, Fax: (508) 635-1193 E-mail: etrevallion@hanover.com www.hanover.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

U.S. Risk Insurance Group LLC

8401 N. Central Expy, Ste. 1000, Dallas, TX 75225 Phone: (800) 232-5830, Fax: (214) 647-5035 E-mail: stephen.beavers@usrisk.com www.usrisk.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

Surety Bond Professionals Inc.

205 Union Street, 2nd Floor, Natick, MA 01760 Phone: (781) 559-0568, Fax: (781) 559-0569 E-mail: Mark@SuretyBondProfessionals.com www.SuretyBondProfessionals.com

Surety One Inc.

404 Ave de la Constitucion, #708, San Juan, NC 00901 Phone: (800) 373-2804, Fax: (919) 834-7039 E-mail: Underwriting@SuretyOne.com www.SuretyOne.com Managing General Agency, A Licensed Surplus Broker, Managing Underwriter

T.H.E. Insurance Company

10451 Gulf Blvd., Treasure Island, FL 33706 Phone: (800) 237-3355, Fax: (727) 360-3498 E-mail: marketing@theinsco.com www.theinsco.com

68 | INSURANCE JOURNAL January 27, 2020

UFG Specialty

The McGowan Companies

Corporate HQ; 20595 Lorain Rd., Fairview Park, OH 44126 Phone: (800) 545-1538, Fax: (440) 333-3214 E-mail: syoung@mcgowancompanies.com www.mcgowancompanies.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

For more information, check out our ad on page 69 (National). 101 N. 1st Avenue, Ste. 1750, Phoenix, AZ 85003 Phone: (213) 634-6421 E-mail: specialtymarketing@unitedfiregroup.com www.ufginsurance.com At UFG Specialty, best in class service is what we do. We understand that response time and decisiveness are key to our broker/partners’ success. Rated A (Excellent) by A.M. Best, we specialize in hard to place primary GL, Excess Casualty, Inland Marine, Property and Package business.

www.insurancejournal.com

We want your tough accounts. UFG Specialty is a growing company with an appetite to match. Whether itâ&#x20AC;&#x2122;s building partnerships or providing excellent service in the evolving excess and surplus marketplace, we adapt to meet our brokers where they need us most. We pride ourselves on being a responsive excess and surplus carrier that provides innovative solutions for complex risks. At UFG Specialty, best-in-class service is what we do.

Alphabetical Directory of Intermediaries and Carriers Universal Insurance Programs

1220 E. Osborn Rd., Phoenix, AZ 85014 Phone: (800) 844-2101, Fax: (866) 512-2272 E-mail: info@uiprograms.com www.uiprograms.com Managing General Agency, A Licensed Surplus Broker, Managing Underwriter

US Assure

Western Surplus Lines Agency Inc.

For more information, check out our ad on page 5 (S. Central). P.O. Box 6609, Abilene, TX 79608 Phone: (800) 592-4408, Fax: (325) 695-0371 E-mail: fpeck@westernsurplus.com www.westernsurplus.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

8230 Nations Way, Jacksonville, FL 32256 Phone: (800) 800-3907 E-mail: info@usassure.com www.usassure.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

Worldwide Facilities LLC

See Website for Locations, Headquarters - Los Angeles, CA 90017 Phone: (213) 236-4500, Fax: (213) 244-9655 E-mail: info@wwfi.com wwfi.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

USASIA Insurance Services

319 Union Ave., Pomona, CA 91768 Phone: (909) 618-0288, Fax: (909) 618-0289 E-mail: shirley@usasia-ins.com www.usasia-ins.com Managing General Agency, A Licensed Surplus Broker, Lloyd’s Correspondent

Velocity Risk Underwriters LLC

20 Burton Hills Blvd., Ste. 350, Nashville, TN 37215 Phone: (615) 942-0740 E-mail: Info@VelocityRisk.com www.VelocityRisk.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

Veracity Insurance Solutions

260 South 2500 West, Ste. 303, Pleasant Grove, UT 84062 Phone: (866) 395-1308 E-mail: info@veracityins.com www.veracityinsurance.com/product-liability-insurance Managing General Agency, A Licensed Surplus Broker, Lloyd’s Correspondent

Victor Insurance Managers Inc.

Two Wisconsin Circle, Chevy Chase, MD 20815 Phone: (301) 961-9800, Fax: (301) 951-5444 E-mail: info.us@victorinsurance.com www.victorinsuranceus.com A Licensed Surplus Broker, Managing Underwriter

Western World Insurance Group

300 Kimball Dr., Ste. 500, Parsippany, NJ 07054 Phone: (201) 847-8600, Fax: (201) 847-1010 E-mail: t.santora@westernworld.com www.westernworld.com

Wilson Smith Group LLC

1001 S. Dairy Ashford, Ste. 110, Houston, TX 77077 Phone: (713) 808-9770, Fax: (713) 808-9717 E-mail: info@wilsonsmithgroup.com www.wilsonsmithgroup.com Managing General Agency, A Licensed Surplus Broker, Managing Underwriter

Woodlands Insurance Services LLC

P.O. Box 8369, The Woodlands, TX 77387 Phone: (281) 367-5010, Fax: (281) 367-5013 E-mail: bobk@woodlandsinsurance.com www.woodlandsinsurance.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

Established in 1970, Worldwide Facilities is a national wholesale insurance broker, managing general agent and program underwriter. Our team of insurance specialists has access to virtually every specialty domestic and international insurance market.

Worldwide Facilities, LLC; MHI-MGA Division

For more information, check out our ad on page 6 (S. Central). P.O. Box 700930, San Antonio, TX 78270 Phone: (210) 366-2500, Fax: (210) 366-2407 E-mail: amicia@mhi-mga.com www.mhi-mga.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

www.insurancehelper.com

1020 McCourtney Rd., Grass Valley, CA 95949 Phone: (855) 493-8368, Fax: (855) 493-8368 E-mail: sharla@theeventhelper.com www.insurancehelper.com Managing General Agency, Managing Underwriter

Virtue Risk Partners LLC

One Blue Hill PLaza, Pearl River, NY 10965 Phone: (845) 205-0301 E-mail: jvalenza@virtuerisk.com www.virtuerisk.com Managing General Agency, A Licensed Surplus Broker, Managing Underwriter

Western Security Surplus Insurance Brokers LLC

4965 Preston Park Blvd., Ste. 650, Plano, TX 75093 Phone: (972) 702-0500, Fax: (972) 702-0504 E-mail: kstevens@wssib.com www.wssib.com Managing General Agency, A Licensed Surplus Broker, Lloyd’s Correspondent

Western Special Risks, Inc., a JenCap Holdings Company

9059 W. Lake Pleasant Pkwy, Ste. C-340, Peoria, AZ 85382 Phone: (888) 317-5575, Fax: (623) 977-4622 E-mail: rwilliams@westernspecialrisks.com www.westernspecialrisks.com Managing General Agency, A Licensed Surplus Broker, Lloyd’s Correspondent

70 | INSURANCE JOURNAL January 27, 2020

World Wide Specialty Programs Inc.

68 S. Service Rd., Ste. 235, Melville, NY 11747 Phone: (800) 245-9653, Fax: (631) 390-0922 E-mail: dtaylor@wwspi.com www.wwspi.com Managing General Agency

World Wide Specialty Programs, Inc. designed the first E&O policy for the staffing industry over 50 years ago. WWSPI continues to lead the market in product offerings, having the largest and broadest program for the staffing industry.

www.insurancejournal.com

Idea Exchange: Ask the Insurance Recruiter Compensation Is Your Agency’s #1 Recruiting Tool

Q&A Q:I’ve seen your name in

Insurance Journal and its often tied to compensation data. I’m doing an internal compensation benchmarking exercise. Do you have industry data on agency positions? –Samantha in Human Resources

Q:Do you see a lot of agencies

paying higher commissions to men? I recently discovered that in our agency validated female producers earn 20% less than validated male producers. – Kelly in Sales

mployers find it difficult to hear that the entire kit and kaboodle of recruiting boils down to money. Insurance agencies would like to think there’s more to the story — work/life balance, career development or great culture. While all these factors are important to job seekers, the truth is if you offered the exact opposite work environment but awesome money you can still hire experienced talent. I know this because I’ve seen agencies with horrible reputations (hint … everything is on Glassdoor) that pay 30% more than the market and still manage to bring on new hires. Questions like the two I received this past week are proof that compensation is the biggest recruiting factor in today’s insurance job market. I don’t think it’s an accident that I received these two calls within a day of one another. It’s worth noting that the same subject is on the minds of companies and candidates. Here’s how to make compensation a focal point of your recruiting strategy. INSURANCEJOURNAL.COM

The Rule of 10

The more things change the more they stay the same. In April 2016 I wrote a piece for Insurance Journal titled “What Should I Pay My Client Service Employees?” where I outlined The Rule of 10. “Client managers seek out a fair, competitive increase. Most service professionals want a 10% or $10,000 increase.” After four years this rule still holds true. It will take $62,000 to recruit a CSR who currently makes $55,000. You have to offer $85,000 to recruit an account manager with a current salary of $75,000. Lateral moves and marginal raises don’t work to attract talent. Small merit increases of 3-5% won’t retain employees either.

Compensation Includes Remote Employment as a Priority

LinkedIn’s Emerging Jobs Report for 2020 backs up a statement I said all last year. U.S. workers want remote jobs. LinkedIn’s report indicates, “Remote work becomes mainstream. Previously considered a ‘perk,’ remote work is quickly becoming a priority for many. More than 40% of millennials say flexibility to work from anywhere is a priority when evaluating job opportunities.” Does your company want to attract the next generation of young talent? Start offering and monetizing remote employment and this will become your top recruiting tool.

by New America that showed the gender pay gap also pops up in parental leave. “According to the survey, 71% of fathers who took By Mary Newgard leave to care for a child or family member reported that the time off was at least partially paid by their employer. 57% said the leave was fully paid. Meanwhile, only 52% of mothers said their caregiving leave was even partially paid. Just 33% took fully paid leave.”

Food for Thought

Pay Transparency — Another Reason to Put Money Front and Center Start sharing salary ranges in your job advertisements. LinkedIn surveyed over 5,000 talent professionals in its Global Talent Trends 2019 report. Employers and candidates cited the following benefits of pay transparency: • Streamlines negotiation; • Ensures fair pay; • Filters out those who’d decline; • Allows interviews to focus on other things.

Pay Equity. End of Story.

Can you empathize with Kelly, the producer who asked me about pay disparity occurring in her agency? Such an overt situation will lead her to look for a new employer. Now imagine any other person’s feelings and suspicions about not being paid fairly. When you embrace compensation as a recruiting tool, you bring issues to light that are meaningful to prospective job seekers. Huffington Post cited a study

Newgard is partner and senior search consultant for Capstone Search Group, a national recruiting firm dedicated to the insurance industry. Email: asktherecruiter@ csgrecruiting.com.

JANUARY 27, 2020 INSURANCE JOURNAL | 71

Idea Exchange: Is It Covered?

Logic & Language, Forms & Facts: The Unimpeachable Case of the Word 'Are'

ast year, I wrote a 12-part series of Insurance Journal columns based on my book “When Words Collide: By Bill Wilson Resolving Insurance Coverage and Claims Disputes” where I shared the principles and practices I’ve applied over the past 30-plus years in resolving coverage and claim disputes. I also presented 12 monthly Academy of Insurance webinars based on the book, all of which are available if you become an Academy member. This year, I’ve been asked to continue 72 | INSURANCE JOURNAL | JANUARY 27, 2020

the dialogue by focusing on the forms and facts of actual claims I’ve consulted on in order to illustrate how to apply logic and policy form language to reasonably and fairly resolve disputes without litigation. At the time I’m writing this first installment, there is an impending presidential impeachment. It may or may not be a reality by the time you read this. The last time a U.S. president was impeached was 1998 when President Clinton made the statement, “It depends on what the meaning of the word ‘is’ is....” So, what relevance does this have to an apolitical insurance claim? One claim dispute I was involved with I refer to in seminars as “The

Unimpeachable Case of What ‘Are’ Is.” It illustrates how a single word, even the tense of a verb, in a policy form can make all the difference in whether a claim is covered. A plastics extrusion manufacturer contracted with various product developers to manufacture their products. The firm’s marketing vice president had the idea to take a construction trailer and build a scale model of the extrusion process inside it. The trailer would then be hauled to various conventions and trade shows around the country and set up in the parking lot of the venue so that attendees could tour the model.

continued on page 74

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Idea Exchange: Is It Covered? continued from page 72 The idea was that a driver/operator and sales rep would travel to potentially dozens of conventions annually. The reality, though, after a year’s period of time, was that the trailer was off the manufacturer’s premises only once for a period of about three days for a local trade show.

Coverage can hinge on the meaning and context of one word as well as the unique facts and circumstances of each claim. While the trailer was on the manufacturer’s premises, it was vandalized to the tune of $12,362.62 in damages. The manufacturer’s insurance program included commercial auto insurance, but no physical damage coverage was provided on the trailer. The insured sought coverage under its commercial property coverage,

specifically the ISO CP 00 10 Building and Personal Property Coverage Form with a CP 10 30 Special Causes of Loss form attached. However, when the claim was

submitted, the adjuster denied it. While the peril of vandalism was covered, the adjuster argued that the vehicle itself was not covered property, citing the following exclusionary language in the CP 00 10:

Property Not Covered

Vehicles or self-propelled machines (including aircraft or watercraft) that: (1) Are licensed for use on public roads; or (2) Are operated principally away from the described premises. So, there is no coverage for the trailer if it is either licensed for use on public roads or operated principally away from the premises. The key word in this exclusionary provision is the word “Are.” Let’s examine each of the two conditions, starting with the first one. In the state where the vehicle was towed the one time it was off the premises, the law required the trailer to be licensed. The problem is, the trailer was not licensed. It’s not clear why it wasn’t licensed, but it was an inarguable fact that it wasn’t. Note that the exclusionary language applies to vehicles that “Are” licensed for use on public roads. To repeat, it wasn’t. The adjuster’s response was, “Yeah, but it was supposed to be.” If that’s the case, then the policy language should have said something like “Are licensed, or required

continued on page 76 CIS 2020 ad (revised).indd 1

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Idea Exchange: Is It Covered? continued from page 74 by law to be licensed, for use on public roads.” I just happened to be writing a homeowners article at the time this claim came to my attention and pointed out to the adjuster that the ISO HO-3 policy excludes motor vehicle liability coverage if an otherwise covered vehicle: “Is not registered for use on public roads or property, but such registration is required by a law or regulation issued by a government agency, for it to be used at the place of the ‘occurrence’....”

The HO-3 policy also excludes coverage for bodily injury:

“To any person eligible to receive benefits voluntarily provided or required to be provided under any... Workers’ compensation law....”

The “required by law to be provided” type of language could certainly have been used in ISO’s CP 00 10 form, but it wasn’t. The exclusionary language unambiguously applies only to vehicles that “Are” licensed for use on public roads. In the case of the second condition, the argument for coverage was that the vehicle was not operated principally away from the described premises. While the word “principally” is subjective, the argument is strong that being off the premises 3 days out of the past 365 days is not principally away from the premises. If a vehicle remains on the premises over 99% of the time, it’s a reasonable presumption that it is operated principally on the premises. In fact, if you consider the word “operated,” 76 | INSURANCE JOURNAL | JANUARY 27, 2020

it really wasn’t “operated” at all. It just sat there. And the exclusionary language applies to “operation.” Based on the arguments made above, the adjuster, to his credit, paid the claim. It’s likely that the policy form really isn’t intended to cover an exposure like this, but that doesn’t mean it’s not covered. If the intent is truly not to cover this type of property, then the remedy for this situation is to revise the form language to reflect that intent. So, what is the primary learning point from this real-life case study? It illustrates how coverage can hinge on the meaning and context of one word (and, in this case, the tense of a verb), as well as the unique facts and circumstances of each claim. To illustrate that point with a policy provision unrelated to the case study in question, here are excerpts from the definition of “coverage territory” in, respectively, an ISO and a nonISO proprietary general liability policy [emphasis added]: “Coverage territory” means…All other parts of the world if the injury or damage arises out of…Goods or services made or sold by you in the

territory described in a. above; “Coverage territory” means…All other parts of the world if the injury or damage arises out of…Goods or services made and sold by you in the territory described in a. above;

One word. These definitions are identical except for one word. But it’s easy to see how vastly more restrictive the second

January 27, 2020 Everest National Insurance Company 251 Little Falls Drive Wilmington, DE 19808 The above company has made application to the Division of Insurance to amend their Foreign Company License to transact Property and Casualty Insurance in the Commonwealth of Massachusetts. Any person having any information regarding the company which relates to its suitability for the license or authority the applicant has requested is asked to notify the Division by personal letter to the Commissioner of Insurance, 1000 Washington Street, Suite 810, Boston, MA 02118-6200, Attn: Financial Surveillance and Company Licensing within 14 days of the date of this notice.

January 27, 2020

Horace Mann Property & Casualty Insurance Company 1 Horace Mann Plaza Springfield, IL 62715

Spinnaker Insurance Company 1 Pluckemin Way, Suite 102 Bedminster, NJ 07921

The above company has made application to the Division of Insurance to obtain a Foreign Company License to transact Property and Casualty Insurance in the Commonwealth of Massachusetts.

The above company has made application to the Division of Insurance to amend their Foreign Company License to transact Property and Casualty Insurance in the Commonwealth of Massachusetts.

Any person having any information regarding the company which relates to its suitability for the license or authority the applicant has requested is asked to notify the Division by personal letter to the Commissioner of Insurance, 1000 Washington Street, Suite 810, Boston, MA 02118-6200, Attn: Financial Surveillance and Company Licensing within 14 days of the date of this notice.

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definition is for someone with an international products liability exposure. Unless this difference was pointed out, would the typical insured catch this? Not a chance. Would the typical agent recognize the difference? Highly unlikely. In fact, it was an agent who asked one of my mentors, the late John Eubank, CPCU, ARM, to compare the two policies since he was considering moving a customer with an Asian market to the second policy above.

An astute policy coverage wonk might catch this, but few agents likely would. Tune in next month when we consider a homeowners freezing claim involving a hot tub where coverage was found when it almost certainly was not intended. In addition, using two commercial lines illustrations, we’ll see how two claims were clearly excluded by policy language when logic and reason would dictate that they should be covered. Until then, stay

January 27, 2020

St. Paul Guardian Insurance Company One Tower Square Hartford, CT 06183

Continental Heritage Insurance Company 200 Park Avenue, Suite 400 Orange Village, OH 44122

The above company has made application to the Division of Insurance to amend their Foreign Company License to transact Property and Casualty Insurance in the Commonwealth of Massachusetts.

The above company has made application to the Division of Insurance to obtain a Foreign Company License to transact Property and Casualty Insurance in the Commonwealth of Massachusetts.

January 27, 2020

Fidelity and Guaranty Insurance Company One Tower Square Hartford, CT 06183

Nutmeg Insurance Company One Hartford Plaza Hartford, CT 06155

The above company has made application to the Division of Insurance to amend their Foreign Company License to transact Property and Casualty Insurance in the Commonwealth of Massachusetts.

The above company has made application to the Division of Insurance to obtain a Foreign Company License to transact Property and Casualty Insurance in the Commonwealth of Massachusetts.

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warm and remember to RTFP! Wilson, CPCU, ARM, AIM is the founder and CEO of InsuranceCommentary.com and the author of the book “When Words Collide: Resolving Insurance Coverage and Claims Disputes.”

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JANUARY 27, 2020 INSURANCE JOURNAL | 77

Closing Quote 3 Ways to Build a Culture that Embraces New Thinking

By Glenn Llopis

he same advice is given to all newer generations entering the workforce, “Be yourself, disrupt the status quo,” but meanwhile, corporations fight that mentality — clinging to status quo, trapping employees in layers of standardization. How can leaders confront marketplace challenges when they feel crushed and in turn stifle those they lead? In its 2020 Insurance Outlook, Deloitte spells out many challenges facing the insurance industry. The coming talent gap, digital disruption, global uncertainty and much more. But Deloitte also makes these points, which get to the heart of what I see in organizations in every industry: • •

“Few carriers are debating whether they are being disrupted, both by forces within and outside the industry. Instead, many are beginning to focus on longer-term responses to avoid irrelevance.” “Will legacy personnel wedded to the way insurers have historically conducted business accept the different attitudes, approaches, and ideas of newcomers, and work together to create the insurer of the future?”

Here’s the stark reality: You know you’re being disrupted and the risk is irrelevance. There’s a clash between newcomers (and their desperately needed new thinking) and those who cling to the old ways. But new thinking will not prepare you for the future if you don’t first create an organization that lets that new thinking thrive. The problem is systemic — old thinking remains entrenched because the organization still rewards it. You can bring in all the new technology you want, all the great thinkers you can entice, all the best strategists to plot your course. But if you don’t dismantle “the way insurers have historically conducted business” — then you’re wasting your time. If it’s any consolation, every industry and nearly every organization is facing this. The good news is that there are some concrete steps you can take to make your organization ready for the kind of new thinking you will need in order to thrive.

Give people ways to discover what they solve for. “What you solve for,” is an unusual phrase and certainly

78 | INSURANCE JOURNAL | JANUARY 27, 2020

not anything the metrics and KPIs from the age of standardization were ever designed to measure or value. It’s deeper than a job title or description and not defined by your skills and expertise per se. It’s a combination of your interests, capacity and capabilities. It’s what you enjoy and consistently think about in a big way. Think about what problems you are typically drawn to, and what kinds of solutions you favor.

Give people methods for collaborating across boundaries.

Now imagine a company structured in such a way that you could constantly map your “solve” to various projects or challenges being tackled throughout the enterprise — no matter the department, the business unit, or the function. What an intriguing and productive way to work.

Give people permission to influence the business in their own way.

One of the most powerful ways to interrupt outdated standards is to question everything you’ve been measuring as a metric of success. You can say you want change, but if you’re still measuring people based

‘In an organization that clings to the standards of the past, failure does not feel safe.’ on the old ways, they’ll still operate under the old systems. I spoke to a sales leader who told me she stopped measuring her team’s days by how many sales they closed, and started measuring how many great conversations they had. Her team had a 25% increase in revenues. But that kind of change requires an organizational culture that allows someone to share an idea and act on it. And, just as important, people have to feel safe enough to risk failure. In an organization that clings to the standards of the past, failure does not feel safe. If no one takes risks, the organization cannot evolve. If the organization can’t evolve, it will become irrelevant. Llopis is a Cuban-American entrepreneur, best-selling author, speaker and senior advisor to Fortune 500 companies and organizations.

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