Insurance Journal West 2020-09-21 by Insurance Journal

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September 21, 2020 • Vol. 98 No. 18

Contents

Idea Exchange

Special Report

News & Markets

Spotlight: Top 20 Agency Partnerships

Social Inflation, Low Interest Rates, Rising Catastrophes: Recipe for a Hard Market

Avoid Claim Pitfalls Related to 1099 Workers

31 Closer Look:

Insurance for ‘Human’ Professionals

U.S. Commercial Insurance Prices Rose Almost 10% in Q2: Willis Towers Watson

Special Report: The Role Insurance Plays in Civil Rights Settlements Against Law Enforcement

Schools Find Lessons About Insurance Liability and COVID-19 Are Complicated

19 Reporting Who Gets It:

The Competitive Advantage: Producer Heroes

38 Owners Find Insurance

Questions to Ask Before Starting an Agency

Inadequate to Cover Demolition of Buildings Destroyed by Riots

Departments 6 Opening Note

Ask the Insurance Recruiter: Time to Rethink Your Account Manager Recruiting Strategies

2020 Professional Liability Directory

Coworkers and Coronavirus

Why Manufacturers Cannot Underestimate the Cost of a Recall Event

Closing Quote: Break Your Marketing Paralysis

12 Declarations

4 | INSURANCE JOURNAL | SEPTEMBER 21, 2020

14 Figures

20 People

24 Business Moves

67 My New Markets

INSURANCEJOURNAL.COM

Opening Note Write the Editor: awells@insurancejournal.com

Lack of Connection

he coronavirus pandemic has taken its toll on just about everyone in today’s workforce, but younger employees may be facing the greatest burden when it comes to stress. Gen Z employees – those born starting in 1995 – were three times more likely than all other employees since the pandemic started to have sought professional help for stress, burnout or other mental health reasons, according to a new MetLife report. Millennials – those born between 1981 and 1995 - have also been hard hit. It turns out that using virtual interactions instead of in-person communication has been a big part of the problem. The survey found that close to four in 10 workers blamed reduced in-person interaction with friends, family and co-workers for harming their mental health. Fifty-six percent of millennials said they felt the same way. The biggest challenge of working from home, cited by 41%, is the isolation from co-workers. Distractions of the household is the next biggest challenge, cited by 34%. Other challenges include inadequate workspace (19%) and lack of office equipment (19%). Some 47% of Gen Z employees dealing with stress and anxiety said that not being able to connect with co-workers in person as much as they used to played a significant role in their mental health issues. Overall, 34% of employees felt similarly. According to the study, just one in 12 workers who reported not having good mental health in the wake of the pandemic have sought help. About 37% of respondents blamed a stigma relating to seeking treatment, and nearly one in 10 said they were concerned about discrimination from managers and colleagues. Younger employees were most worried about the stigma, according to the report, with 48% of them reporting concerns. Nearly half of Black and Hispanic respondents were most likely to recognize employer stigma about seeking mental health help. What makes a resilient employee in pandemic times? According to the survey, 51% pointed to wellness programs as helping, and 50% said mental health coverage made a difference. About 48% credited relaxation initiatives, and 47% said employee assistance programs helped them in their pursuit of wellness. About 45% said stress management programs helped them stay mentally well. About 70% of employees said that financial stability also helped their mental health. Nearly half said their mental health stress stemmed from long-term savings, medical and other unrelated expenses and stock market volatility. The responses are part of MetLife’s 18th annual U.S. Employee Benefit Trends Study, which the insurer said has been updated with a new “Mental Health Deep Dive.” The report, conducted in July 2020, surveyed 1,000 employers with at least two employees and included interviews with some 2,000 full-time employees, ages 21 and older, at companies with two employees or more.

‘The biggest challenge of working from home, cited by 41%, is the isolation from co-workers.’

Andrea Wells Editor-in-Chief 6 | INSURANCE JOURNAL | SEPTEMBER 21, 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: Tony Caldwell, Lucie Dean, Mike Freeman, Jim Sams, Peter van Aartrijk Columnists: Chris Burand, Mary Newgard

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 Web Team Lead Nathan Huebner | nhuebner@insurancejournal.com Ad Ops Specialist Jeff Cardrant | jcardrant@insurancejournal.com Web Developer Terrance Woest | twoest@wellsmedia.com Web Developer Ryan Kleshinski | rkleshinski@wellsmedia.com Web Developer James Wagoner | jwagoner@wellsmedia.com New Media Producer Bobbie Dodge | bdodge@insurancejournal.com

ACADEMY OF INSURANCE

Director Patrick Wraight | pwraight@ijacademy.com Online Training Coordinator George Jack | gjack@ijacademy.com

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AG R I B U S I N ESS

AVI AT I ON

P E R SO NAL L I N ES

PR O FESSIONAL & EX ECUTIV E LIABILITY

CASUALTY

CONSTRUCTION

E N E R GY

PR O P E RTY

E N V I R O N M E N TA L

R E A L ESTATE

H E A LTH CA R E

TR A N S P O RTATI O N

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News & Markets Social Inflation, Low Interest Rates, Rising Catastrophes: Recipe for a Hard Market

By L.S. Howard

ven before the coronavirus crisis hit, the reinsurance industry was in a period of significant rate hardening, which will likely continue over the next two years, or even longer, according to Munich Re. Such price increases became necessary after 10-plus years of eroding prices and weakening terms and conditions, which has led to a “significantly reduced profitability [for] the whole industry,” said Torsten Jeworrek, CEO of Munich Re’s 8 | INSURANCE JOURNAL | SEPTEMBER 21, 2020

reinsurance business. He spoke during a virtual Monte Carlo media conference, held in lieu of the Rendez-Vous de Septembre, which was cancelled this year as a result of the COVID-19 pandemic. A second driver of the hardening market has been the higher loss activity seen over the past few years in a number of markets and segments and lines of business, which include both large losses and catastrophe losses, Jeworrek said. He pointed to events such as Hurricanes Harvey, Irma and Maria (also known as “HIM”) in 2017, wildfires

in the United States and manmade claims from satellite losses and various aviation losses, including the grounding of the Boeing 737 MAX in 2019. Social inflation, particularly in the United States, is also pushing higher casualty losses for the industry. Jeworrek said the industry has seen a significant increase in the basic loss ratio since about 2014 – first affecting insurers and now also reinsurers. In a separate media conference, Swiss Re’s Group Chief Underwriting Officer

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News & Markets continued from page 8 Thierry Léger, said: “On the back of several years of claims deterioration and premium declines, the situation for the reinsurance industry has gotten worse again in 2020.” Léger also cited social inflation as a major contributor to the industry’s worsening results this year, although social inflation has been around for many decades, and comes and goes in waves. Over the past few years, it has worsened again, he noted. “Social inflation is actually fueled by a general anti-corporate environment. This really pushes plaintiff bars to develop psychology-based strategies to trigger juries,” he said. “As a result, we can see that particularly the higher plaintiff awards, those above $5 million, have been increasing at quite a rapid pace over the last years,” Léger added. “And if you go beyond $100 million, those settlements … in the hundred millions or even billions, you can see an even stronger increase.” Another driver of the hardening market

“is significantly lower interest rate levels, which we see in most major markets, particularly now, after the COVID events and development,” Jeworrek said. Léger blamed declining interest rates for worsening the industry’s loss ratio by 5% during the first half of 2020. “This really means that the timid price increases we have seen have been offset by that further decline in interest rates.” While there have been increases in premiums, they have been hardly enough to offset the interest rate decline of the first half of this year, he said. “Also, these premium increases have … not been able to compensate for many years of premium decline before. And they have in no way been able to compensate for the increased claims load that we are observing around us. As a result, we see a real need for strong price increases to get back to underwriting profits,” affirmed Léger. Although property catastrophe rates have been rising since the HIM losses in

U.S. Commercial Insurance Prices Rose Almost 10% in Q2: WTW

.S. commercial property/casualty insurance prices rose during the second quarter of 2020 by almost 10% compared with prices charged during the same quarter of 2019. Excess/umbrella and directors’ and officers’ liability data indicated the largest price increases, with prices for both growing by over 20% for the second consecutive quarter These findings are based on insurance broker Willis Towers Watson’s Commercial Lines Insurance Pricing Survey (CLIPS). The survey compared prices charged on policies underwritten during the second quarter of 2020 to those charged for the same coverage during the same quarter in 2019. Carriers reported that the aggregate commercial price change grew by almost 5% in the third quarter of 2019, over

10 | INSURANCE JOURNAL | SEPTEMBER 21, 2020

6% for the 4th quarter of 2019 and first quarter of 2020, and then jumped to just under 10% in the second quarter. Commercial auto data indicated price increases near or above double digits for the 11th consecutive quarter. Property prices accelerated significantly in the past four quarters, now indicating increases well into the double digits. Only workers’ compensation showed price reductions, and they continue to slowly decrease in magnitude. Overall, price changes differed significantly by account sizes. Small commercial accounts grew by mid-single digits; mid-market accounts showed double-digit increases, and large accounts were well above this range. CLIPS is a retrospective look at historical changes in commercial property and casualty insurance prices and claim cost inflation.

2017, Jeworrek said, they are not back to the levels seen 10 years ago. “All these three factors: erosion of profitability and prices, loss activity, and interest rate levels lead to this hardening, which is I think undisputed at this time,” Jeworrek said. As a result, at least for the next one or two years, “I’m convinced we will see more hardening in reinsurance than on the primary side. And the market’s biggest drivers are Asia and North America.” And, of course, the COVID-19 pandemic is also having a major impact on the market, providing an impetus for further rate hardening. “Market estimations of the immediate impact related to COVID-19 are $50 billion to $80 billion in claims. So far, the industry has booked only $20 billion, so it looks like there is much more to come,” said Léger, noting that the environment continues to be uncertain with rising death and infection rates. “We also observe that whilst certain countries are still fighting the first wave, many other countries are now already fighting the second wave,” Léger continued. “We all wait for vaccines, but the uncertainty of when those vaccines will be available and whether those vaccines will be effective, is still very high. So COVID-19 not only had a very large impact already, it’s going to remain with us for quite a while.” Stefan Golling, head of Munich Re’s corporate underwriting, discussed the huge uncertainties that are still ahead for the industry with COVID-19. “First of all, we could expect some secondary impacts on classes, like for example, the credit business or liability classes like D&O.” Further, he noted, “we are still in the middle of the crisis, and the second or third wave could lead to an increased amount of losses.” Munich Re estimates COVID-19-related property/casualty losses will range from US$30 billion to $100 billion, coming from various lines of business, such as the travel business, event cancellation business, credit business and workers’ compensation. Munich Re has so far reserved €1.4 billion (US$1.6 billion) for its P/C claims in the first half of 2020. INSURANCEJOURNAL.COM

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Figures $56 Million

1,700 That’s the number of Oregon State University students and faculty members whose personal information may have been compromised during a computer security breach. A hacker reportedly accessed a computer server for the university’s Ecampus online education program this summer, gaining access to records containing names and OSU email addresses.

NiSource Inc. will pay this amount to resolve a probe into Massachusetts gas explosions in 2018 linked to a utility it owns that killed one person and destroyed multiple buildings, State Attorney General Maura Healey said. Healey said the settlement with NiSource and its subsidiary Columbia Gas of Massachusetts will provide debt relief to low-income gas customers and pay for clean energy programs, according to a Reuters report.

Declarations Common Digital Theme

“I do think the industry has learned from the pandemic and if there is one common theme, it is the power and value of digital capabilities.” — Maryland Insurance Commissioner Kathleen Birrane said of her plans for the state to establish itself as a leader in technology and innovation. Birrane was appointed as Maryland Insurance Commissioner by Gov. Larry Hogan on May 1, 2020, for a term ending May 20, 2023. She succeeds Al Redmer Jr., who in May assumed the role of executive director of the Maryland Automobile Insurance Fund.

12 | INSURANCE JOURNAL | SEPTEMBER 21, 2020

Oversight Tragedy

“The lack of a night watch was an outrageous oversight.” — Jeffrey Goodman, a lawyer representing family members of nine victims who were among 34 people trapped below deck in one of the deadliest disasters in California maritime history when a dive boat caught fire and sunk, commented on criminal investigations now underway in the wake of the Sept. 2, 2019, tragedy.

Debris Removal Limits

“When the limits are low and there’s not enough, people don’t realize that until there’s a problem. … Nobody really focused on what the debris removal limits are.” — Margo Brownell, chair of the Insurance Coverage Group for the Maslon law firm in Minneapolis, says some property owners whose businesses were destroyed by rioters are now finding they don’t have enough insurance to clear away the debris. Debris removal sublimits, which address demolition costs, can be $25,000 or $250,000, depending on the policy, she said.

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Figures $1.1 Million 6 The number of businesses to which the Michigan Occupational Safety and Health Administration (MIOSHA) in August issued COVID-19 “general duty” citations, citing them with serious violations for failing to uphold safe and healthy practices. On-site inspections found deficiencies at the companies that included a lack of health screenings, face coverings, employee training, cleaning measures and overall preparedness plans. A general duty clause citation carries a fine of up to $7,000.

The amount the North Carolina Department of Insurance fined Gerber Life Insurance Co. last month for what it said were numerous violations related to the insurer’s claims practices for accidental death and dismemberment policies. The company was also to pay out $2.5 million in additional recoveries in interest. The voluntary settlement comes after examiners with the department reviewed almost 300 claims over seven years that were either denied or settled improperly.

Declarations Holding Accountable

“Our clients want to hold accountable those who manufactured, profited from, and supplied the AR-style weapon used in the shooting.” — Attorney John Sloan, representing the families of two people killed in a mass shooting in Midland County, Texas, in 2019, said after filing suit against Anthony Braziel, from whom mass shooter Seth Ator illegally obtained his weapon, and Anderson Manufacturing, a Kentucky-based gun parts manufacturer. The suit seeks over $1 million in damages. Ator killed seven people and injured 25.

14 | INSURANCE JOURNAL | SEPTEMBER 21, 2020

Hurricane Phoenix

“It’s both a warning about the chilling impacts of a catastrophic storm and a call to action for people to plan and prepare for a severe hurricane today — even if they’ve weathered many hurricane warnings in the past.” — Tampa Bay Regional Council Executive Director Sean Sullivan comments on the “Hurricane Phoenix 2.0,” hypothetical disaster that simulates the area’s worst-case scenario – a Category 5 storm that drowns South Tampa and turns St. Petersburg into an island. The simulation updates the council’s widely cited 2009 simulation, which first explained how devastating a major hurricane in the area could be. The report comes during what may be one of the most active hurricane seasons on record.

Science or Fiction?

“This report isn’t science; it’s fiction. Under the guise of academic research, this report is nothing short of an attack on those who exercised their personal freedom to attend Sturgis.” — South Dakota Gov. Kristi Noem in a prepared statement disputed a study published by San Diego State University that ties the Sturgis Motorcycle Rally in August to a massive surge in COVID-19 cases and approximately $12.2 billion in public health care costs. The study, which analyzed virus case counts, as well as anonymized cellphone data, estimated that more than 250,000 new coronavirus cases in the U.S. could be linked to the 10-day event that hosted nearly 500,000 attendees.

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News & Markets Schools Find Lessons About Insurance Liability and COVID-19 Are Complicated

chool officials and insurers across the country are facing questions about COVID-19-related insurance liability as classes begin, but answers remain elusive, according to A.M. Best. “Uncertainty about the plethora of issues involved with school liability abounds,” A.M Best said in a commentary. “Whether immunities are afforded, pandemic liability suits prevail, or additional states extend presumptive clauses to teachers, there is the potential for significant expense, and possible losses, for school insurers,” the rating analyst said. School insurers themselves are also at risk of employment practices liability as well as cyber claims as schools resort to virtual learning in an effort to reduce COVID-19 risks. A.M. Best said that given these potential scenarios, some reinsurers have already indicated that they will be requiring COVID-19 and pandemic exclusions, as well as communicable disease exclusions, in their 2021 renewals.

It’s Complicated

The broader issue is whether a school can be held legally liable if students, staff

or others succumb to the coronavirus pandemic. The answer for school boards and administrators remains a complicated one. School districts typically have liability protection from “some form of a governmental or public entity tort immunity act” with provisions that vary by state. In theory, the ratings agency said, these acts would likely protect districts from liability if their reopening plans dovetail with local, state and federal laws, and also guidance from state board of education officials, the Centers for Disease Control or local health departments. That is except where there might have been negligence, and what could be considered negligent remains an open question. According to A.M. Best, there has been a push to strengthen immunity protections, although momentum has slowed. Some

unions and workers’ rights advocates have resisted immunity protections, arguing that they would lead to negligent behavior from businesses and schools, and ultimately more coronavirus cases. Workers’ compensation insurance is also an issue for schools. Teacher unions want confirmation that workers’ compensation coverage will address their medical bills and lost income if COVID-19 strikes. That remains an open question, as A.M. Best explains, because the coverage does not typically cover routine community-spread illnesses like the cold or flu (they can’t be linked to a workplace, typically). As for other insurance coverage itself, A.M. Best notes out that insurers that cover schools range from small-cooperatives to large commercial insurers. That means coverage standards vary greatly, and thus coverage guarantees can vary widely, even outside of the pandemic.

Reporting Who Gets It: Coworkers and Coronavirus

oes an employer have to say if a coworker has the virus? Employers are generally not required to tell workers when someone in the workplace has tested positive for the coronavirus. The U.S. Centers for Disease Control and Prevention recommends that companies monitor employees for symptoms and alert those who may have been in contact with an infected person. Some states may order businesses to follow such guidance. Employers have the right to take employees’ temperature and ask about INSURANCEJOURNAL.COM

symptoms or if they have been exposed to or diagnosed with the virus. If an employee doesn’t respond to those questions, they can be barred from the workplace. Businesses are required to provide a safe working environment. They also have to keep track of infections contracted on the job and report any hospitalizations or deaths related to the disease to the U.S. Occupational Safety and Health Administration. Some workers are unsettled by the lack of information. Amazon, for example, alerted warehouse workers when someone tested positive for the virus, but didn’t

disclose a tally of how many workers tested positive. So workers began trying to keep track on their own. There are also pending lawsuits against employers filed by workers who were exposed to or diagnosed with the coronavirus. In general, there’s a high legal bar for finding an employer at fault for endangering employees and most claims are resolved via workers' compensation settlements. There also has been some debate over whether Congress should grant businesses liability protections during the pandemic. Copyright 2020 Associated Press. All rights

reserved. This material may not be published, broadcast, rewritten or redistributed. SEPTEMBER 21, 2020 INSURANCE JOURNAL | 19

People National

Insurer Chubb announced the appointment of John Fielding as senior vice president, general counsel, Global Government John Fielding and Industry Affairs. In this role, Fielding will provide legal, regulatory and policy guidance and advice to Chubb’s state, federal and international government affairs team. He will work to ensure consistency in advocacy throughout the company’s government affairs activities and will represent the company in regulatory and industry settings. Fielding joins Chubb from the Council of Insurance Agents & Brokers (CIAB), where he served as general counsel for four years. He was also with law firm Steptoe & Johnson, where, for more than a decade, he represented CIAB as well as other insurance trade associations, carriers and producers before Congress, the National Association of Insurance Commissioners (NAIC), the National Council of Insurance Legislators (NCOIL) and state insurance regulators on policy and regulatory matters. From 1997 to 2003, he was a senior counsel at the National Association of Insurance Commissioners. Fielding, who is based in Washington, D.C., reports to Joe Wayland, executive vice president, Chubb Group, and general counsel. Upon Fielding’s departure, The Council (CIAB) announced that Gracie Gerlach will be promoted to associate general counsel. Currently serving as political action committee director, Gerlach joined The Council in

February 2019 after working at the National Federation of Independent Business Ohio. As associate general counsel, Gerlach will work with Chief Legal Officer Scott Sinder and the team at Steptoe & Johnson as she focuses on internal legal matters and the Council PAC. The Council’s state legislative and regulatory efforts will now be guided by two members of Steptoe & Johnson. Kate Jensen will become NAIC/ state legislative and regulatory chief counsel, and LeeAnn Goheen will become NAIC/ state legislative and regulatory senior advisor.

East

SageSure, a Jersey City, N.J.based insurance and services company specializing in underserved property markets, has appointed Lisa Bernstein as chief administrative officer. In this new role, Bernstein will spearhead SageSure’s ability to execute personnel investment programs and initiatives, leading the human resources, office operations, legal and administrative functions. Bernstein began her career as an employment attorney before transitioning to spearhead human resources functions for two organizations. Most recently, Bernstein was a senior partner and global head of human capital and administration for Apollo Global Management. At Apollo, she built the human resources department from the ground up and helped the firm grow from a small private equity shop to a publicly-traded, global alternative asset manager. Everest Insurance has hired Louis Manger as head of Casualty Claims. In this role,

20 | INSURANCE JOURNAL | SEPTEMBER 21, 2020

Manger will lead all facets of Casualty Claims, including all direct-handled and TPAadministered claims. He will be based in Liberty Corner, N.J. Manger joins Everest from Blackboard Insurance, where he served as chief claims officer. Prior to joining Blackboard, he worked at Turner Construction as regional claim director for the Northeast region. He was previously a vice president at AIG, managing claims teams in the Complex Casualty Claims unit. He started his professional career as an attorney in private practice with the Wilson Elser firm in New York, specializing in the defense of general liability and products liability matters.

Coalition, a

cyber insurance and security company, has hired Marcin Marcin Weryk Weryk as head of Business Development. Weryk brings more than 15 years of insurance industry experience as a cyber and technology E&O underwriter to this role, managing teams at global carriers. He will be based in Coalition’s New York office. Coalition announced in May that it raised $90 million in equity capital to fuel its growth and expansion. As head of business development, Weryk will support this growth by driving the company’s distribution strategy. Weryk was most recently vice president and head of Cyber Risk for the Western and Southern U.S. at XL Catlin. He has also held cyber and technology underwriting positions at XL Catlin and CNA.

Southeast

The Liberty Company Insurance Brokers has hired William Kramer to

William Kramer

the firm in its Employee Benefits Division. Kramer has been in the insurance industry for more than 20 years working on both the retail and carrier side with companies such as Starmount Life, Reliance Standard and CIGNA. Kramer created a niche in the financial, IT and service industries and will be adding a benefits presence in the Atlanta area for Liberty.

USG Insurance Services Inc., a national wholesaler

and MGA, has expanded its operations into Alpharetta, Ga., with the launch of a new satellite office and the hire of Bob Reardon, branch manager, and Michelle Reardon, vice president producer/broker. Bob joins USG with 27 years of combined retail and wholesale insurance industry experience, most recently as president at Keating Brokerage in Phoenix, Ariz. Michelle brings 12 years of insurance experience to the team, most recently in her position as senior associate, broker casualty at AmWINS. Together, Bob and Michelle will focus on enhancing their current agency relationships, as well as expanding USG’s southeastern territory. This move is the most recent change that USG has implemented in its plan to expand operations nationwide.

Colonial Claims, an independent insurance continued on page 22 INSURANCEJOURNAL.COM

People continued from page 20 claims service company, has appointed John Cerasuolo as its CEO. Cerasuolo will work on Colonial’s executive management team and will serve alongside founder Doug Branham, who will continue his involvement as chairman. As CEO, Cerasuolo will lead Colonial into its next phase of growth. Cerasuolo was previously CEO of ADS Security, a U.S. electronic security business. At ADS, he restructured the company, secured revenue growth, increased customer retention and made multiple acquisitions. According to Cerasuolo, he will work to introduce and incorporate technology into operations, invest in human capital and broaden professional capabilities in his new role.

South Central

Paschal Strong has been appointed vice president of underwriting operations at workers’ compensation insurer,

Texas Mutual Insurance Co.

In this newly created position, Strong will be responsible for the company’s regional underwriting operations and advancing the division’s data and analytics initiatives. Strong has nearly 20 years of experience in various underwriting management and finance positions. He joined Texas Mutual in 2015 as a senior manager of underwriting at the Dallas regional office. Prior to that, Strong gained experience working for Liberty Mutual for 13 years in a number of underwriting positions. El Paso, Texas-based surplus lines managing general agent,

Litchfield Special Risks Inc., added Melissa Harris as a

property and casualty underwriter. Harris is experienced in commercial underwriting and joins LSRI after serving as an underwriter for a national broker for seven years. Texas Insurance Commissioner Kent Sullivan resigns from his post in September to return to the private sector, the Texas

Department of Insurance

Kent Sullivan

reported. In his three years at the agency, Sullivan, who took the top leadership job in October 2017, has focused on modernizing the department. Sullivan has more than 35 years of legal experience and was a partner in several private law firms before becoming Insurance Commissioner. He previously served as a Texas Court of Appeals justice, a state district court judge and first assistant attorney general for the Texas Office of the Attorney General.

Midwest

Specialist insurer Beazley appointed four new underwriters within its Chicago, Ill.-based cyber and executive risk division. Jon Perry and Megan Feyereisen join as executive risk underwriters, while Brett Kreiter and Rich Michaels will underwrite cyber and technology errors and omissions. Perry joins Beazley from Allied World, where he spent more than six years as a public D&O underwriter in the Midwest. Prior to that, he was

22 | INSURANCE JOURNAL | SEPTEMBER 21, 2020

an executive risk underwriter at Travelers. Feyereisen comes to Beazley from Hiscox, where she led the Midwest cyber and executive risk team of underwriters. She previously spent more than four years at Chubb underwriting private and non-profit accounts. Kreiter joins Beazley as a seasoned cyber and E&O underwriter and will also serve as regional manager of Beazley’s Midwest team, responsible for expanding the company’s regional footprint. He joins from Zurich, where his roles included underwriter for large accounts and head of the U.S. middle market. Michaels joins from Allianz, where he was lead cyber and E&O underwriter for the Midwest and South. Before Allianz, he was with Marsh’s graduate training program.

American Financial Group Inc. (AFG) in Cincinnati, Ohio, promoted Diane P. Weidner

to vice president. Weidner joined AFG in 1987 and has held positions of increasing responsibility across the Diane Weidner company over her 33-year tenure. During her career, she has held leadership roles in AFG and Great American Insurance Group. Since 2009, Weidner has served as assistant vice president and head of Investor Relations. She also oversees external communications, community relations and the company’s information research department.

West

The Liberty Company

Insurance Brokers has named Judy Larson

as a benefits producer in the San Jose, Calif. office. Larson has Judy Larson more than 30 years of benefits experience. She has previously worked for Willis, Risk Strategies, and most recently Leavitt, where she focused on helping clients in the food manufacturing, transportation and high-tech industries. The Liberty Company Insurance Brokers is an independently owned broker with offices throughout the U.S.

Beach & Associates has named Warren Berkstresser

as senior vice president of its Beach Re U.S. reinsurance division, and Warren Berkstresser he will launch and run Beach’s new office in Seattle, Wash., and sit on the North America office head’s executive team. Berkstresser will join at the end of October and will report to Simon Hedley, CEO of Beach North America. He will focus on developing Beach’s U.S. property treaty and specialty programs business. Berkstresser began his career in the reinsurance industry with Guy Carpenter. In 2010, Berkstresser joined Willis Re, most recently acting as an executive vice president of production and broking, specializing in the property catastrophe market. Beach & Associates offers reinsurance, analytics and advisory and wholesaler services. INSURANCEJOURNAL.COM

Business Moves national wholesale broker, managing general agency, and program administrator with offices across the country and more than 850 employees. J.P. Morgan served as sole M&A advisor to Ryan Specialty Group. J.P. Morgan, Barclays and BMO Capital Markets served as financial advisors to Ryan Specialty Group.

Hippo, Spinnaker Insurance Co.

National

Carlyle, Alera Group

New York-based investment firm The Carlyle Group led a $150 million investment for Deerfield, Ill.-based Alera Group, the property and casualty, employee benefits insurance broker that is a privately-held company and backed by Genstar Capital and Alera employees. Alera plans to use proceeds from the investment to support ongoing growth and acquisition activities. Since inception in 2017, Alera has been one of the fastest growing companies in the insurance brokerage industry, according to Alan Levitz, Alera’s CEO. Alera opened its doors in 2017 with more than 20,00 clients, $158 million in annual revenues and 750 employees in 40 offices across 15 states. It was formed by 24 independent insurance firms with investment from Genstar Capital, a middle market private equity firm, and brokerage assistance from consulting and investment banking firm Marsh, Berry & Co. Today, Alera has more than 100 locations and 1,800 employees. Carlyle’s Global Credit segment made the investment with capital from its $2.4 billion Credit Opportunities Fund that closed last year. Alex Popov, Carlyle’s co-head of Illiquid Credit Strategies, said Carlyle leveraged its expertise in insurance brokerage and an existing relationship with Genstar to “structure a customized financing solution for Alera in an otherwise challenging economic environment.” 24 | INSURANCE JOURNAL | SEPTEMBER 21, 2020

Ryan Specialty Group, All Risks

Specialty insurance brokerages Ryan Specialty Group and All Risks have closed on the merger of the two firms into Ryan Specialty Group. The deal unites Chicago-based Ryan Specialty Group and its nearly $12 billion in premium, and All Risks, headquartered in Delray Beach, Fla., which has close to $2.6 billion in premium. The combination will have roughly 3,300 employees and more than 70 offices across the United States, the United Kingdom and Europe. Only AmWINS and CRC Insurance Services are larger than RSG and All Risks in the wholesale brokerage space. Both brokers have national footprints, while RSG also does business in Europe. Both have track records in wholesale distribution and managed underwriting businesses in the form of managing general underwriters, programs and delegated binding authorities. Details of the agreement to merge, which was first announced in June, were not disclosed. All Risks executives Nick Cortezi, CEO, and Matt Nichols, president, will continue in senior executive roles in the merged firm. RSG, which is celebrating its 10th anniversary, consists of RT Specialty, a wholesale brokerage firm, and RSG Underwriting Managers, a specialty underwriting organization within which there are 21 specialized managing general underwriters. All Risks, which started in 1964, is a

Hippo, an insurtech managing general agent focused on home insurance, has completed its acquisition of Spinnaker Insurance Co. with an expansion into additional states next on its plate. The deal, first announced in June, follows a multi-year partnership between the companies. Spinnaker is a New Jersey-based national property and casualty insurer, with a license to do business in all 50 states. Hippo noted at the time of its acquisition announcement that Spinnaker has been its largest carrier platform partner since 2017. With Spinnaker and its other carrier partners, Hippo provides home insurance policies in more than 31 states. Plans call for Spinnaker to join the Hippo “family of companies.” They include Sheltr, a San Francisco-based technology-enabled services startup designed to provide home wellness checkups. Hippo will continue as a managing independent agent. Spinnaker will operate independently under the Hippo umbrella while still serving third-party administrators and driving the growth of its program platform. After two acquisitions, Hippo is eyeing an initial public offering. The company closed a $150 million financing round in July. CEO Assaf Wand said the company will be ready to go public in 2021.

East

BCA Insurance Group, NJM Insurance Group

BCA Insurance Group has contracted with NJM Insurance Group as an NJM Premier Agent, expanding its ability to connect the business needs of its clients with NJM’s insurance solutions.

continued on page 26 INSURANCEJOURNAL.COM

Takin’ care of business (every day) Our broad range of coverages can be customized to meet even the most unique needs—regardless of industry—so you can be sure Liberty Mutual Insurance is taking good care of your small business clients.

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Property

Workers Compensation

Business Moves continued from page 24 As an NJM Premier Agent, BCA can provide access to all NJM Business Insurance products, including commercial auto and commercial general liability insurance in New Jersey and workers’ compensation insurance in Connecticut, Delaware, Maryland, New Jersey, New York and Pennsylvania. This partnership will also allow BCA to offer any new insurance products NJM introduces as it continues to roll out its plan for geographic and commercial product expansion in the future, according to a company press release. NJM is a property and casualty insurer in the Mid-Atlantic region and has been a provider of workers’ compensation insurance in New Jersey for almost a century. BCA Insurance Group is a full-service independent insurance agency with a focus on New Jersey, Pennsylvania and the Delaware Valley. It has offices in Marlton and Northfield, N.J.

Global Risk Solutions, William Kramer & Associates

Global Risk Solutions Inc. (GRS), a provider of claims adjusting and environmental risk management solutions, has acquired William Kramer & Associates (WKA). GRS Complex Claims Solutions specializes in large and complex claims, which often involve third-party losses. WKA adjusters have experience in such claims across a range of industries, including oil and gas, energy, mining, manufacturing, and real estate and litigation management. WKA is based in Avon, Conn., and has offices across the U.S. The acquisition of WKA and its team are part of an ongoing strategy to expand GRS’ product offerings, business lines and market presence throughout the world.

The Hilb Group, Eldredge & Lumpkin Insurance Agency

The Hilb Group LLC has acquired Massachusetts-based Eldredge & Lumpkin Insurance Agency Inc. The transaction became effective on July 1, 2020. Located in Chatham, Mass., E&L is a full–service agency. 26 | INSURANCE JOURNAL | SEPTEMBER 21, 2020

The E&L team, including Owners Alan Long and Pat Long, will join THG of New England and continue to operate out of their existing location following the acquisition. THG is a middle market insurance agency headquartered in Richmond, Va., and is a portfolio company of global investment firm, The Carlyle Group. The company now has more than 90 offices in 20 states.

Sapiens International Corporation, Delphi Technology

Sapiens International Corporation, a global provider of software solutions for the insurance industry, has entered into a definitive agreement to acquire Delphi Technology Inc., a Boston, Mass.-headquartered vendor of software solutions for property and casualty carriers with a focus on the medical professional liability (MPL)/healthcare professional liability markets. Delphi, founded in 1989, has more than 100 employees and approximately 40 insurance customers. The company offers core products for MPL, including policy administration, claims management and financial and risk management. Sapiens will continue to support Delphi’s products and customers following the acquisition and will leverage Delphi’s expertise to enhance its CoreSuite for property and casualty. The acquisition’s primary goal is expanding Sapiens’ presence in the MPL market.

Midwest

World Insurance Associates, People Insurance Group

World Insurance Associates LLC has acquired Peoples/Commercial Insurance Services LLC (d/b/a Peoples Insurance Group) in Topeka, Kan. The transaction was effective Aug. 1. Peoples Insurance Group, founded in 1917, is the largest locally owned independent agency in Topeka. The agency offers several lines of insurance, including personal, business, commercial, life, disability and bonds. Giordano, Halleran & Ciesla provided legal counsel to WIA, and Smith Law

Firm provided legal counsel for Peoples Insurance Group. Scali Group LLC advised WIA on the transaction. No other advisors or diligence firms were disclosed. World Insurance Associates LLC is headquartered in Tinton Falls, N.J.

South Central

Houston International Insurance Group

Houston International Insurance Group Ltd. has launched an E&S brokerage business unit to provide liability and property insurance products and services to the wholesale brokerage market. The unit will be led by Mark Boland, supported by a team of experienced underwriters. Boland has held roles as president of E&S at the Hanover Insurance Group, president of Hermitage Insurance and senior vice president at Endurance. The new unit will add an excess facility in the near future. HIIG is an insurance holding company based in Houston, Texas.

Amynta Group, HIIG

Amynta Group, a provider of property and casualty insurance and warranty protection products and services, has acquired a workers’ compensation insurance book of business from Houston International Insurance Group (HIIG). This acquisition broadens Amynta’s workers’ compensation practice and geographic presence in the Southwest. The business will be conducted through Dallas-based Southwest Risk Agency Services, Amynta’s specialty lines insurance broker and binding authority underwriting facility built to serve the needs of independent agents for medium to small commercial accounts. Sharen Perkins, vice president of the Specialty Workers’ Compensation Division at HIIG, will lead the transition and join Southwest Risk Agency Services. As part of the transaction, Amynta has partnered with Chicago-based Clear Spring Property and Casualty Co. to provide underwriting capacity for the business. New York-based Amynta Group operates through three segments: managing general agencies, warranty and specialty risk services. INSURANCEJOURNAL.COM

News & Markets Data of About 200K Nevada University Alumni, Donors May Have Been Stolen

niversity of Nevada, Reno alumni and donors may have had their information stolen in a data breach that occurred in May, university officials said. The school was told of the breach on July 16 by Blackbaud, a third-party fundraising technology provider. About 200,000 people may have had their contact information, addresses and giving history compromised from the hack, said university spokeswoman Kerri Garcia.

No social security numbers, credit card information or banking information was taken, Blackbaud said. The university informed alumni and donors of the breach on Aug. 31. Blackbaud said in its summary of the incident that the hackers made a copy of the data they received and the technology provider paid a ransom to ensure that the copy was destroyed. The information was not transferred to another party other than the hackers, Blackbaud said. Copyright 2020 Associated Press.

New Mexico Officials Say Teachers Are Safe from Legal Liability Amid Virus

ew Mexico officials have clarified that teachers won’t be on the hook for lawsuits that might stem from COVID-19 outbreaks as in-person classes began for some students. “In no way will teachers or school employees be held personally liable for litigation arising out of COVID-19,” said Richard Valerio, executive director of New Mexico Public Schools Insurance Authority. School districts can be on the hook for negligence that leads to students getting sick, however. The insurance authority sent a letter to districts urging them to follow safe COVID-19 practices to avoid getting sued. Valerio says it’s “wait and see” as to how much legal risk schools will face. No lawsuits have been filed in New Mexico, which has had some in-person learning for certain at-risk students. Teachers are immune from personal liability for virtually all lawsuits, such as a personal injury claim from a student who contracts a virus at school. Lawsuits are defended and paid out through insurance W2 | INSURANCE JOURNAL | SEPTEMBER 21, 2020

administered by the agency. The letter to the districts didn’t mention teacher liability, leading some educators to infer that they might be at risk. “It’s important to clarify this fact after some unfortunate misinterpretation of NMPSIA’s (email) to superintendents,” Lt. Gov. Howie Morales said. “We will protect all of our educators and staff who are on the front lines of this pandemic today, and we are extremely grateful for their contributions to our students and our communities.” Plans for in-person schooling were pushed back after a spike in cases in July. Copyright 2020 Associated Press.

Ex-Director Files Whistleblower Suit Against University of New Mexico

he University of New Mexico retaliated against the director of Africana Studies for demanding that his program be elevated to a department and later removed him when the program got state funding for the change, according to a whistleblower lawsuit. An attorney for Charles Becknell Jr. filed the whistleblower lawsuit in state district court last month alleging the school retaliated against him and failed to adequately investigate a series of racist and threatening emails he received. Becknell sought to elevate Africana Studies from a program to a department that would grant undergraduate and graduate degrees after Chicano Studies and Native American Studies had achieved department status, the lawsuit said. But a dean told Becknell that the University of New Mexico was focused on elevating Chicano Studies to a department and an upgrade of Africana Studies wasn’t in the immediate plans, the lawsuit claims. After Africana Studies got state funding to become a department, Becknell was told it needed a tenure-track professor to lead the new program and Becknell was removed. The University of New Mexico said Becknell remains the director of the Africana Studies program and will search for a new director when it becomes a department. Becknell is seeking unspecified damages and his old position. Copyright 2020 Associated Press. INSURANCEJOURNAL.COM

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Spotlight: Agency Partnerships

elcome to Insurance Journal’s annual Top 20 Agency Partnerships report. This report is ranked by total property/casualty revenue for 2019. Today’s Agency Partnerships are numerous and offer value and benefits to their members, including independence, growth opportunities, access to markets, profit sharing, perpetuation planning, relationships, technology, staff support, agency errors and omissions coverage, INSURANCEJOURNAL.COM

and much more. Agency Partnerships are very much part of the fabric of today’s independent agency channel and continue to grow in strength and numbers across the country. All information in this report has been garnered from voluntary online submissions and best estimates based on other public information sources. There may be Agency Partnerships eligible for listing but for which no information was received or located.

We encourage others to submit data for future reports. The more submissions Insurance Journal receives, the more accurate and comprehensive this listing will be in the future. Also, submitted data was not independently verified. For more information about this report, contact Andrea Wells at: awells@ insurancejournal.com.

continued on page 28 SEPTEMBER 21, 2020 INSURANCE JOURNAL | 27

Spotlight: Agency Partnerships continued from page 27

Insurance Journal’s Top 20 Agency Partnerships (Ranked by 2019 Total P/C Revenue) Employee count for these groups does not necessarily include all affiliates responsible for total revenue. 2020 Rank

Agency Partnership

2019 Total P/C Revenue

2019 Total Other than P/C Revenue

2019 Total P/C 2019 Other than P/C Premiums Written Premium

No. of Employees

SIAA Inc.

ISU Insurance Agency Network

MarshBerry Connect Platform LLC

$532,094,202

Keystone Insurers Group

$486,530,648

SecureRisk LLC

$332,287,336

The Iroquois Group

$222,509,367

Combined Agents of America

$153,330,042

$5,565,344 $1,200,082,690 $42,385,574

Smart Choice

$137,413,366

$2,604,463 $1,003,724,957

Renaissance Alliance Insurance Services LLC

$133,572,544

Pacific Interstate Insurance Brokers

United Valley Insurance Services Inc.

$109,068,416

ANE (Agency Network Exchange LLC)

$109,017,436

Insurors Group LLC

$97,000,000

Brightway Insurance

GreatFlorida Insurance

Georgia Agency Partners Inc.

Networked Insurance Agents

$62,376,754

Bainswest Inc.

19 20

$1,229,262,753 $734,203,110

$0 $8,906,866,389

Main Office

$0 18,454

Hampton, N.H.

$75,149,500 $6,023,675,342 $1,034,770,548 3,826

San Francisco, Calif.

$204,756,861

$3,812,106,041 $2,847,239,572 3,862

Woodmere, Ohio

$78,105,274 $3,830,949,985 $1,110,908,617 4,565

Northumberland, Pa.

$48,685,483 $2,600,303,864 $536,793,220 $37,500 $1,637,712,304

Tucker, Ga.

$0 65

Allegany, N.Y.

Austin, Texas

$0 65

High Point, N.C.

$0 $791,228,099

$0 87

Wellesley, Mass.

$118,047,721 $2,366,750 $739,211,203

$0 10

El Dorado Hills, Calif.

$2,479,758 $948,421,009 $82,658,584 $354,062 $1,062,480,499

Fresno, Calif.

7 Monmouth Junction, N.J. 562

College Station, Texas

$78,728,871

$1,659,345 $595,609,957 $11,267,811 274

Jacksonville, Fla.

$75,035,441

$522,613 $576,624,462 $2,090,452 358

Stuart, Fla.

$75,000,000

$500,000 $500,000,000 $250,000,000

$7,000,000 $500,000,000 $63,000,000

Statesboro, Ga.

$0 111

Grass Valley, Calif.

$54,116,094

$8,261,028 $384,724,889 $122,356,858 427

Owasso, Okla.

PacWest Alliance Insurance Services Inc.

$38,725,300

$5,303,300 $332,634,939 $38,500,000 290

Fresno, Calif.

The Insurance Alliance Network

$35,695,894

$0 $337,435,108

$0 $268,676,757

$0 260

Camp Hill, Pa.

Editor’s Note: List includes aggregators, clusters, and franchise groups.

28 | INSURANCE JOURNAL | SEPTEMBER 21, 2020

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Closer Look: Professional Liability Insurance for ‘Human’ Professionals

rofessional liability insurance is a complex and interesting concept. As insurance professionals, or practitioners if you prefer, we are used to the concepts and terms of several different liability policies. We understand that an auto liability policy pays for bodily injury and property damage related to automobile By Patrick Wraight accidents. We get that a general liability policy pays for bodily injury, property damage, and personal and advertising injury related to business exposures (premises, operations, products, etc.). But what about professional liability policies? They aren’t concerned with bodily injury, property damage, or personal and INSURANCEJOURNAL.COM

advertising injury. They aren’t concerned about an auto accident. Allow me to quote one professional liability policy that I read.

Professional Loss Professional loss means: 1. A monetary judgment, aware or settlement of compensatory damages;

We will pay on behalf of the “insured” for “professional loss” in excess of the deductible that the “insured” becomes legally obligated to pay as a result of a “claim” caused by an actual or alleged negligent act, error or omission in the performance of “your professional services”…

This makes sense to us because we deal with compensatory damages in other liability lines. Compensatory damages are meant to compensate someone for injuries that happen. In this case, those injuries are tied to some sort of professional service. What’s a professional service? Let’s come back to that.

Without digging all through the whole policy, there are two sets of terms that we need to deal with: “professional loss” (defined in the policy) and negligent acts, errors or omissions (not defined in the policy). Since it’s defined for us, let’s look first at “professional loss.”

Professional loss means: 2. Only where insurance coverage is allowable by law for: civil fines and penalties assessed against a third party other than the insured for which the insured is legally liable; civil fines and penalties assessed against the insured; and punitive, exemplary or multiplied damages for which the insured is legally liable continued on page 32 SEPTEMBER 21, 2020 INSURANCE JOURNAL | 31

Closer Look: Professional Liability continued from page 31 This is a little different than we’re used to because we don’t think about exemplary or punitive damages as being insurable. In several states, they are not insurable. That’s why this policy provides some limited coverage for these items. Punitive and exemplary damages are exactly what they sound like. They are damages awarded by the court to punish someone for wrongdoing or to make an example of someone because of their wrongdoing. This isn’t about whether or not they should be insurable, just whether or not they are. There’s one more part of this definition.

or suit. This reminds us that the limits on some policies don’t just provide money for indemnity payments, but they can also include money for the costs associated with defending the claim.

Balancing Act

The end result of all this becomes a balancing act between the cost to defend the suit and the ability to pay the final indemnity award or settlement value. It’s something the insured needs to be aware of before anything happens. The other part of that definition includes Professional loss means: 3. “Defense some words that are not defined in the expense” associated with Subsections 1 and 2 policy. of this definition. • Negligent act: the failure of a reasonable person to act with the care due to the The final piece of the definition of a pro situation that causes someone an injury. fessional loss on this policy includes the In the realm of professional liability, it’s A&M profPRINT.pdf 1 9/2/20 10:52 AM costs associated with defending the claim the failure of a professional to act with

CMY

• •

the care due to the situation. Error: a mistake that causes someone an injury. It could be that the professional provided the wrong advice to their client. Omission: something got left out that causes someone an injury. This is where the professional fails to do something that they ought to do.

So let’s get back to the coverage. What are we providing coverage for on this professional liability policy? If we could sum it all up in a very short sentence, it would be this: This is insurance for human professionals that are sometimes human. People make mistakes, and that includes professionals. These policies are going to have exclusions against intentional acts or illegal acts. They will have exclusions against unlicensed practice of the profession and other exclusions. Remember that these are the policies that cover the potential negligence, errors, and omissions of several different kinds of professionals: insurance agents, doctors, lawyers, architects, pharmacists and more. Because of the wide range of different professions, the policies will all read differently. So dig out the policy and read it to find all of the conditions, exclusions, and other language for that particular policy. I didn’t even mention that the occurrence policy that I read didn’t include defense costs within the limit, but the claims-made policy did. Come to think of it, I didn’t even deal with occurrence and claims-made policies. Next time. Wraight is the director of the Academy of Insurance. Phone: 800-897-9965 ext. 130. Email: pwraight@ ijacademy.com

32 | INSURANCE JOURNAL | SEPTEMBER 21, 2020

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Special Report: Liability

By Andrew G. Simpson

unicipalities, their insurers and risk pools should be heeding the current public re-examination of police and prosecutorial actions taking place across the country, according to an insurance policyholder attorney who works on civil rights cases. Attorney Alexander Brown sees the Black Lives Matter movement, actions by reform-minded prosecutors, increasing legal actions and calls for police reform resulting in more municipalities having to answer for law enforcement errors and misconduct. This, in turn, will mean closer scrutiny of law enforcement liability insurance policies by those seeking damages for victims of civil rights violations, according to Brown. However, while insurers now may be changing their policies, the cases being brought tend to go back awhile and thus involve policies issued years

and even decades ago. Brown, who is with the firm Lathrop GPM in its Kansas City office, is an insurance coverage specialist who represents policyholders, including municipalities facing civil rights complaints from victims of wrongful conviction and incarceration. Brown is a member of the Lathrop GPM Civil Rights Insurance Recovery Practice along with Mike Abram and

34 | INSURANCE JOURNAL | SEPTEMBER 21, 2020

Bill Beck. In an interview with Insurance Journal, Brown offered his legal and policyholder perspectives on civil rights claims and some insurance ramifications. Not all persons who have been wronged by law enforcement or the civil justice system are in a position to pursue a liability case against the government. In fact, strong liability claims are relatively rare, in part because of the qualified immunity doctrine

for police officers and the absolute immunity doctrine that protects prosecutors while performing prosecutorial functions. “I would say that a majority of people exonerated do not have strong liability claims because of these immunities. If qualified immunity is weakened for police officers, it follows that more liability claims will be brought,” Brown said. Once exoneration is secured, the Lathrop GPM team moves to obtain compensation for the exonerees, who are disproportionately Black men. The settlements, which can sometimes be costly, are most likely to happen where there is insurance. “[I]n these cases where you’re trying to come to a resolution outside of a verdict, the existence of insurance is critical. It’s the most critical part of the entire settlement process,” Brown acknowledges. INSURANCEJOURNAL.COM

According to Brown, obtaining insurer-funded settlements helps avoid trials, which can be risky for both the public entities and the plaintiffs because either could lose big. State caps on liability do not apply in these federal civil rights suits and jury verdicts can be $1 million to $2 million per year. The insurance deals help alleviate situations where a public entity that has no insurance or inadequate coverage may be forced to raise taxes to cover settlements or have to declare bankruptcy. The cases typically involve older insurance policies because the alleged violations stretch over long periods of time — 10, 20 or even 30 years. “The cases are treated and should be treated akin to long-tail liability claims for any kind of exposure to conditions, or illnesses, environmental contamination. It’s the same kind of thing, where you have a long period of time between the conviction and the exoneration,” he said. “So really the only win-win scenario, if there is one in these cases, is to make sure that the insurance that they bought specifically for these type of situations covers them.” The insurance settlements also help those who are exonerated and face being released back into society with little or nothing, especially in states without any compensation fund for wrongfully convicted persons. According to The Innocence Project, which works to free wrongfully convicted persons using DNA evidence, the federal government and 35 states have provisions to provide some compensation for exonerees. However, advocates for the INSURANCEJOURNAL.COM

exonerees believe the amounts states provide (often $50,000 a year for each year of wrongful imprisonment) are inadequate for the injuries suffered.

What’s Changing

To hold a municipality liable for a civil rights violation, a plaintiff has to show the violation was due to a policy, practice or procedure of the municipality, or that a decision-maker like a sheriff was involved in it. Forces now at play are likely to aid plaintiffs in their causes, according to Brown. “What I see now with the Black Lives Matter is that there’s going to be a whole lot of investigation into whether various municipalities or police entities have policies or practices that discriminate against African-Americans, and that’s going to be established with respect to numerous cities,” Brown said “Once it is established that they do have a pattern and practice of locking away Black men or of beating Black men, then suing those cities and municipalities is going to be a lot easier. Because then they can point to a policy and practice, and so you can hold the city and the municipality liable along with the individual defendant or officer who committed the misconduct.” Once a municipality gets hit with a verdict, not only is that verdict potentially crippling, but also it may signal the start of a pattern of practice for the next aggrieved person who sues. While it might behoove police departments and prosecutors to review their practices and patterns to see what has been going on, it’s not

that easy. “You might have a police officer saying, ‘Hey, let’s not look too deeply into this because we don’t want to create paper trails,’” Brown suggests. Similarly, district attorneys may fear legal and financial repercussions may lie ahead for the municipality if they start unearthing wrongful conduct by previous officeholders as they try to get innocent people out of jail, which a few reformist district attorneys across the country are trying to do. Brown is currently representing a prisoner in Missouri who is stuck in jail because of a dispute over a prosecutor’s authority to undo a previous prosecution. “If you’ve got a progressive reformist DA who’s working, as they should, to get people out of prison who were in prison because of wrongful conduct of their past offices, they know at some level that there might be liability at the end of the rainbow when these guys get out,” Brown said. “It’s a brave thing to do, and it’s a necessary thing to do.” Brown said that in addition to the current questioning of qualified immunity for police officers in light of several shootings of Black men, there has also been some shifting in case law that could limit prosecutors’ immunity if they commit misconduct while acting in a non-prosecutorial capacity, such as helping with the investigation or doing ministerial work. “Then they do not have absolute immunity; they only have qualified immunity. So that immunity is slowly degrading, while what cops can get away with in terms of qualified immunity is

also degrading. So you have situations where these lawsuits are going to be a serious focus and a serious concern for municipalities and public entities across the country,” he stressed.

Landmark Ruling

The 2010 movie Conviction starring Hilary Swank tells the story of how a determined sister secured her brother’s exoneration and release from prison after he served more than 18 years for a murder he did not commit. The movie ends with Kenneth Waters’ release and reunion with his daughter in 2001, but the real story — including the insurance effects — did not end there. What followed his release from prison were years of legal proceedings and negotiations with insurers to obtain compensation for Waters for the years of mental and physical injuries he suffered while in prison, as well as for his loss of freedom. Eight years after his release, in 2019, Waters’ estate eventually settled a wrongful conviction lawsuit against the town of Ayer, Mass. Five of the town’s six insurers paid $3.4 million to the plaintiff’s estate (Waters himself died in 2001 in an accident only six months after getting out of jail). However, a sixth insurer, Western World, argued that it was not obligated to defend the town under any of the six consecutive law enforcement officers’ liability policies it issued from 1985 to 1991, and it did not participate in that settlement. But four years later in a follow-up proceeding, a court found that Western World had breached its duty to defend and that its policies

continued on page 36

SEPTEMBER 21, 2020 INSURANCE JOURNAL | 35

Special Report: Liability continued from page 35

did apply. The court awarded $1,000 per day that Waters had been incarcerated ($6.7 million), another $1 million “for physical illnesses and injuries incurred during and because of his incarceration” and another $3 million for “mental anguish, pain and suffering,” for a total of $10.729 million against Western World. Brown says the Ayer decision was significant for holding that insurance policies with unique language can be held accountable for acts during the tenure of a wrongful incarceration and not just at the time of a wrongful conviction. “The Waters case was the first decision to recognize that certain insurance policies issued in post-conviction years might apply to wrongful imprisonment cases,” Brown said. The Waters case was handled by Brown’s mentor, Bill Beck, of the firm’s civil rights division. It was Brown’s introduction to this field of insurance law.

Beyond Hollywood

The Waters case that garnered the attention of Hollywood was important. The ruling has helped get more insurers to come to the table and participate in settlements, according to Brown. Even more important is a case decided in May 2019 in which Brown and his firm were involved. Travelers Indemnity Co. v. Ethel Mitchell involved whether multiple insurance carriers had a duty to defend their insured, Mississippi’s Forrest County, which was sued by the estates of three wrongfully convicted men. The insurers had issued more than a dozen specialty law enforcement liability

policies between 1979 and 2010 (the year of the exonerations). “The Travelers v. Mitchell case is our firm’s most important civil rights case to date,” Brown said. From 2013 to 2019, Brown and his colleagues fought for compensation for the families of the three men in Mississippi who were wrongfully convicted in 1979 and spent a collective 83 years in prison for a rape and murder they did not commit. The men ultimately died from the injuries they sustained in prison. Brown and his colleagues successfully litigated the underlying rights matter against multiple carriers that resulted in a $20.5 million insurer-funded settlement for the families of the three men.

holding multiple insurers liable for bodily injuries sustained by our clients while imprisoned.” The result was a victory not only for the families of three men but also for the county, police officers and thousands of future exonerees seeking financial compensation for their wrongful imprisonment, according to Brown. “This is definitely a case that municipalities need to be aware of,” said Brown, noting that it has since been adopted and expanded in opinions in Missouri (Ferguson v. St. Paul Fire & Marine Ins. Co.) and Kentucky (St. Paul v. City of Newport Ky.). (The law firm also said it thinks the Travelers case may have even more widespread implications. “While the win

‘[I]n these cases where you’re trying to come to a resolution outside of a verdict, the existence of insurance is critical. It’s the most critical part of the entire settlement process.’ The insurers appealed. On May 29, 2019, the U.S. Court of Appeals for the Fifth Circuit, in a unanimous panel decision, upheld the lower court rulings in the case. According to Lathrop GPM’s reading, the Fifth Circuit judges ruled that insurers cannot utilize common law “coverage theories” such as “first manifestation” or “first exposure” or “continuous trigger” to sidestep the plain language of their policies. In Brown’s words, “This groundbreaking and precedent-setting decision rejected a so-called ‘single trigger’ theory advanced by the insurance lobby in favor of a plain language reading of the insurance policies, ultimately

36 | INSURANCE JOURNAL | SEPTEMBER 21, 2020

immediately benefits the families of wrongfully convicted men, the implications will help business clients vindicate their rights to insurance proceeds to cover liabilities for other ‘longtail claims’ including asbestos exposure cases,” the firm said in announcing the ruling.) Brown joined the Lathrop GPM firm in 2013, right after Western World settled in that landmark Waters case. It was a move that he says changed his life. “I never thought as an insurance coverage lawyer that I’d be looking at crime scene photos all day long, but it’s exciting. It’s a good feeling to help compensate those who have been destroyed by

society as well as protecting the current cities or entities,” Brown told Insurance Journal. Brown and other Lathrop GPM attorneys work pro bono with attorneys from the civil rights litigation firm Neufeld, Scheck & Brustin and The Innocence Project, which Neufeld and Scheck founded in 1992 to use DNA evidence to get innocent people out of jail. The Innocence Project receives thousands of requests for help per year. To date, 375 people in the U.S. have been exonerated by DNA testing, including 21 who served time on death row. These people served an average of 14 years in prison before exoneration and release. Overall, Lathrop GPM has been involved with more than 15 settlements totaling almost $200 million. Most recent was the case of Craig Coley, 71, who served four decades in prison for a murder that DNA proved he did not commit. The city of Simi Valley, Calif., and its insurers reached a $21 million settlement with Coley. The victories also include getting $25 million for an upstate New York man who in 1991 at age 16 was wrongly convicted and jailed by Putnam County for a rape that in 2006 DNA proved he did not do. Brown is now working with the legal team representing Lamar Johnson, who remains in a prison in Missouri for the 25th year even though there is evidence he is innocent. He has not been released or given a new trial because of a dispute over whether a current prosecutor — in this case, St. Louis Circuit Attorney Kimberly M. Gardner — has the power to try to correct what she believes are wrongful convictions in decades-old cases. INSURANCEJOURNAL.COM

News & Markets Owners Find Insurance Inadequate to Cover Demolition of Buildings Destroyed by Riots gross losses of $254.6 million from civil disturbances in ome commercial property Minnesota alone and had paid owners whose businesses $59.7 million in claims as of July 24. were torched by rioters are Second-quarter earnings learning that they don’t have enough insurance to clear away reports by major insurers suggest that the I.I.I's projection the debris. of nationwide losses is not off Many property owners in the base. Liberty Mutual reported Minneapolis-St. Paul area purchased policies that limit payouts $147 million in losses from civil unrest, Chubb $130 million, for demolition costs to $25,000 to $50,000, but contractors have American International submitted bids of $200,000 to Group $126 million, Traveler’s $300,000, according to a recent $91 million, Arch Insurance ATF agents look over the damage at an office supply company that report in The StarTribune. In $35 million to $40 million, was burned during a protest Tuesday, Aug. 25, 2020, in Kenosha, Wis. W.R. Berkley $20 million and many cases, the cost of demoli(AP Photo/Morry Gash) tion is greater than the value of Selective Insurance $18 million. the property, the newspaper said. Those reports reflect losses Margo Brownell, chair of the Insurance only up to June 30. The Aug. 23 police hoping to work around the problem by Coverage Group for the Maslon law firm shooting of Jacob Blake in Kenosha, Wis., citing the law and ordinance provisions in in Minneapolis, said property owners set off a new round of disturbances. policies, which require insurers to include often don’t realize that there are sublimits Alexander Jadin, a partner with the cost of complying with current building codes when calculating replacement within their commercial insurance the Smith Jadin Johnson law firm in costs. policies. Debris removal sublimits, which Bloomington, Minn., said in general large She said she hasn’t filed any lawsuits yet property owners have adequate insurance address demolition costs, can be $25,000 so it’s too soon to say if the strategy will be or $250,000, depending on the policy, she to cover all of the losses resulting from fruitful. The level of success will depend said. civil unrest. Small business owners, on on the policy. “When the limits are low and there’s the other hand, may try to cut corners and “All polices are guided by their specific not enough, people don’t realize that until buy policies with lower limits — or forego there’s a problem,” Brownell said. “Nobody terms,” Brownell said. “You don’t know property insurance altogether. what’s in a policy until you read it.” really focused on what the debris removal But the cost of rioting is already working Rioting that erupted after the police limits are.” its way into the commercial property killing of George Floyd in Minneapolis The StarTribune cited exactly that probmarket. Jadin said insurers are aware that lem in the case of the Sports Dome retail will likely lead to the greatest losses due the police officers who are accused of complex in St. Paul, which was destroyed to civil unrest in history. The Insurance murdering George Floyd will stand trial. by rioters. The city hired a construction Information Institute, citing data from A not guilty verdict may set off another crew to demolish the building because Property Claims Services, said insured round of violence. it was dangerously unstable and then losses will likely exceed the damage “We are renegotiating annual renewals presented the property owners with a caused by rioting after a jury acquitted and we are seeing carriers no longer $140,000 bill to haul away the debris, police officers who in 1991 were videowanting to write in this market,” he said. taped beating Rodney King in Los Angeles. according to the newspaper. Jadin said he is renegotiating two Owner Jay Kim told the StarTribune that Losses from that catastrophe equal $1.4 insurance packages for large commercial billion at today’s values, adjusted for his policy covers a maximum of $25,000 clients with valuable properties protected inflation. for demolition costs. He said he did not by several insurance policies. One insurer Matthew Palazola, an insurance industry in that tower quoted a 50% premium know how much demolition would cost analyst for Bloomberg News, said that civil when he bought the policy. increase; the other 100%. “The price of unrest damages may reach $2 billion. Brownell said she represents some insurance is going to go up,” he said. The Minnesota Department of policyholders who are running up against Sams is the editor of ClaimsJournal.com Commerce reported that insurers expect debris-removal sublimits. She said she is

By Jim Sams

38 | INSURANCE JOURNAL | SEPTEMBER 21, 2020

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Idea Exchange: Construction Avoid Claim Pitfalls Related to 1099 Workers

hen the construction labor market tightens, employers fill the gap with independent contractors. A By Mike Freeman quarter (25%) of construction laborers are 1099 workers. While hiring 1099 contract workers helps keep projects on track, it can potentially create an entirely separate problem if their employment classification isn’t made clear for insurance purposes. If an insurer doesn’t know about 1099 workers from the onset, they are unable to fully account for what they are underwriting. This can cause issues down the road, whether related to coverage when claims arise or when it’s time for policy renewal. Brokers can do several things to help mitigate these issues. Using a 1099 form is not enough to settle the status of a worker. The two questions at issue: Does the individual essentially perform as an employee? And does the company manage and otherwise treat that person in the same way it would an employee? If yes, the 1099 worker may fall under the employee classification of the hiring company’s insurance policy — in which case, the best strategy for the

company could be to hire that individual as a W-2 employee instead.

Be Aware of Potential Claim Issues

If an insured construction company is using 1099 workers, policy forms can be written to clearly address coverages and exclusions — such as bodily injury — as related to those individuals. Brokers can help ensure these specifications are in place by asking their policyholders to identify the employment status of workers. Without this clarity, unintended claims issues can arise. For example (again, depending on the company, state, forms and circumstances): • A general liability policy excludes workers’ compensation for employees. But if a 1099 worker is injured on the job site, that general liability policy might pick up the claim because the worker does not fall under the definition of “employee.” • Some carriers may consider 1099 workers to be uninsured subcontractors, and they could be charged a penalty deductible at the time of loss.

Similarly, if 1099 workers are determined to be uninsured subcontractors during an audit, carriers may add an additional premium charge. • Carriers provide general liability coverage for damage but not for the actual work done by an employee. The policy could cover damage caused by a plumbing leak, but not the leak itself. However, if an identified 1099 worker performed the work, the employee work exclusion might not apply, and the policy could possibly have to cover both the leak itself and the subsequent damage.

Review Account for Correct Forms

To be able to confirm audits and to help avoid problems when renewal time comes around, brokers should review each account and compare forms on each policy. In particular, the forms should specify what is covered at the time of claim and clarify whether 1099 workers will be considered the same as W-2 employees (which can be done via endorsement). Construction has been affected by COVID-19, but as work begins to pick up, brokers will likely notice an increase in 1099 workers hired by their policyholders. Extra diligence and attention to policy forms will be particularly important to ensure coverage and exclusions are appropriate and well crafted. Freeman is a construction underwriting supervisor for Argo Construction.

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Idea Exchange: Product Recall Why Manufacturers Cannot Underestimate the Cost of a Recall Event

he latest recall by Nissan of hundreds of thousands of vehicles in North America in June to resolve a latch problem that may allow the hood to fly open while the cars are moving comes on top of three previous recalls for By Lucie Dean the same issue as well as numerous others, including one in 2019 to fix a brake fluid leak which could cause vehicles to catch fire. Whilst a significant event for Nissan, it is just one example of product recalls that occur in the manufacturing industry globally on a daily basis — the true impacts of which can often be underestimated by the manufacturer with potentially devastating consequences. No manufacturer can afford to ignore their product recall exposure, but this is particularly true in the small and medium-sized enterprises (SMEs) space where competition is high, profit margins are squeezed and customers can easily find an alternative supplier. It is important for brokers to ensure product recall options are presented as part of a full risk transfer proposal, and

the main thing to consider when thinking about a manufacturing client’s exposure to a product recall event is the true cost of a product withdrawal. There are many costs involved when a product safety issue is discovered, the most obvious being that to recall the product itself — what is needed to remove it from circulation, the costs to store and (if necessary) destroy that product and notify stakeholders. However, when a recall incident does occur, it sets off a chain of events and the true cost goes much further than many manufacturers think. It’s likely that a significant amount of rectification needs to be done. The manufacturing location may need a complete a clean down to be fit for use, and machinery may need to be repaired. The product may need to be remade and potentially redesigned. Staff may need to work overtime — all of which comes at a cost. Then there’s the business interruption that the manufacturer will undoubtedly suffer: production lines may have been stopped, interrupting sales, credits may have been issued to key customers, and contracts may have been canceled. Whilst the first party costs of a product recall often go ignored and uninsured, the

most underestimated cost is the impact that a recall can have on the reputation of the business. The most challenging and expensive part of a recall is often keeping the business operational while facing intense public scrutiny. A recall incident can stick in the mind of a consumer, potentially driving them to competitor products over quality concerns for a significant period of time. Where competition is high and profit margins are tight, the impact this could have on the survival of a business is significant in the SME manufacturing space. Customers might start looking elsewhere for their next purchase. Manufacturing clients may believe that a recall event will be covered by their more traditional insurance policies, such as general liability or products liability, so it’s really important that brokers review what — if any cover — these afford. Some may include an element of recall insurance, but coverage may be misleading. The business may be protected from third-party costs, but first party costs are generally not covered — or the cover is extremely limited. Recall sub-limits are usually small and can often leave companies underinsured. Triggering these sub-limits can also be difficult as the wordings are narrow. Only stand-alone product recall insurance provides the necessary first party indemnification to protect cash flow should the worst happen and allow a business to continue trading. Presenting this as part of a full risk transfer proposal is an important part of the conversation that brokers should be having with all of their manufacturing clients. Without this cover in place, these businesses could find themselves with mounting costs as they deal with the fallout of a product withdrawal, with declining sales and public perception stacking the odds against them. Dean is an underwriter, product recall, at CFC Underwriting. CFC Underwriting can write recall business in all states on an E&S basis.

42 | INSURANCE JOURNAL | SEPTEMBER 21, 2020

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Idea Exchange: Ask the Insurance Recruiter

Time to Rethink Your Account Manager

Recruiting Strategies

ear after year I have found that insurance agencies spend 60% of their recruiting activity on account management hires. This far overshadows the combined time spent hiring producers, managers and executives. With such a consistent need for experienced client managers, most firms have built a transactional model to handle a large volume of hires. While it creates some efficiencies, the downside is it can throw your recruiting into a rut. Do you feel like your account manager recruiting process is rote? Has it been several years since you’ve pumped new creative juices into attracting service talent? The fall is the perfect time of year to try new strategies. Now is when you make a big push to recruit experienced account 44 | INSURANCE JOURNAL | SEPTEMBER 21, 2020

managers. I urge you not to use the same old process. Try new things. Push different agendas. Tout benefits and perks that are important to your audience.

‘The fall is the perfect time of year to try new strategies.’ 1. Talk About Compensation Immediately. There are two reasons for this. First, as an agency you are comfortable discussing salary and variable commission because you do it all the time with producers. Second, account managers by and large have the complete opposite comfort level when it comes to discussing money. By initiating a conversation touting strong earning poten-

tial (now and as your career advances), you remove an obstacle the candidate has with their current employer. By Mary Newgard 2. Work-At-Home Is a Major Priority. If COVID-19 showed

agencies of all shapes and sizes one thing it’s that work-from-home is possible on a grand scale. You might be old school and hate the idea, but I can promise you will hate poor employee retention even more. Since June 2020, as agencies formulated return-to-work strategies, Capstone has had over 90% of all account manager applicants cite flexible work schedules, split 3:2 office/home working arrangements or INSURANCEJOURNAL.COM

100% remote as their number one search motivation. These candidates come from other agencies ... and it might be yours. When you don’t offer work-at-home schedules account managers find the benefit elsewhere. If you embrace a plan like this, then scream it from the rooftops to stand out among competitors during the recruiting process.

3. Virtual Office, Virtual Training. By extension of working from home comes the ease of making the job transition. Account managers don’t always get the luxury of an 8 am-5 pm job. They work early mornings, nights and weekends. They resent agency leaders who are unwilling to acknowledge their hard work and sacrifice. You can foster a culture of work/life balance while also still supporting client managers during times that aren’t conventional. In every job offer, I want you to provide a company issued laptop, cell phone (or reimbursement plan) and online, new hire training programs. This way, from day one of their employment to day 365, the account manager has the flexibility to learn, grow and be successful both in the office and outside of it. 4. Unlimited PTO. According to MetLife’s

2019 U.S. Employee Benefit Trends Study, which interviewed over 2,600 full-time employees, 72% expressed interest in receiving unlimited paid time off. If your reaction is, “No way. It’ll never work,” then you’re out of touch with how account managers feel and what benefits they value. Several Top 100 independent insurance brokers have unlimited or discretionary PTO policies. They use this as a major selling point in attracting and retaining client service talent. How do you put a price on time? Your answer could lie in unlimited PTO.

5. Titles = Career Progression. Have you

to account managers that there is potential for growth. It’s the same idea as the corporate ladder for underwriters and claims at insurance companies. You differentiate your position, culture and commitment to career progression when you emphasize titles during the recruiting process.

Newgard is partner and senior search consultant for Capstone Search Group, a national recruiting firm dedicated to the insurance industry. Email: asktherecruiter@ csgrecruiting.com.

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SEPTEMBER 21, 2020 INSURANCE JOURNAL | 45

Idea Exchange: The Competitive Advantage

Producer Heroes I

received a nice email from a reader asking me to write about how important it is to support good producers and how good By Chris Burand producers should be heroes rather than grouping all producers as anti-heroes. He provided the context that good producers used to be thought of highly, whereas today, all producers are looked down upon. He asked if I’d write about this. I do not usually take readers’ requests to write about a specific subject, but this request stands out. He has a point on many levels. First though, I want to examine why producers are not as revered as in the past. Producers, relative to sales, follow the Pareto curve. This is known colloquially as the 80/20 rule. Eighty percent of the producers cannot sell and 20% make 80% of the sales. My personal database suggests the ratio is closer to 60% cannot sell period, 10% can sell a little, 10% can sell quite a bit, and 20% can sell a lot. Regardless, the vast majority of producers really should find another job. When the percentages are so skewed, everyone has a tendency to get painted with the same black brush. The negative energy consumes all the energy. Staff and managers have little energy left to share with the good producers. In and of itself, this may be one reason some agencies can never hire a quality producer while others seem to get more than their share. Good producers like positive energy. Another reason all producers are painted the same involves the definition of “good.” Good is subjective and producers usually have a definition that varies from most all other peoples’ definition. For example, I have had plenty of producers with only $100,000 in commissions tell me 46 | INSURANCE JOURNAL | SEPTEMBER 21, 2020

they were good producers because the quality of their accounts was so excellent. With only $100,000, the quality of the accounts should be excellent because they should have plenty of time to make them excellent, but excellent does not make up for the deficit of production. If we were addressing the difference between a $400,000 producer having high quality accounts versus a $600,000 producer with low quality accounts, then an equalization may exist. But at $100,000, such an equalization is impossible. Third, some “good” producers can out prima donna the worst actors. They are walking E&O exposures trying to hand cases to plaintiff attorneys on platinum platters. They are emotional basket cases. Every reader has their own story from innocent but bizarre clothing to huge mistreatment of co-workers. When the majority of people with a certain title underperform, a connotation gets attached to everyone with that title, whether fair or not. To answer the question as to why good producers are not held in high esteem today, I think everyone is just tired of dealing with the majority of producers. Good producers should be held in high esteem. Now, by “good,” I mean: • Dead minimum of $500,000 self-created commissions. • Quality accounts written correctly. • Generally, follows procedures. • Nice to co-workers. Quality people always deserve honor. Why are producers that meet these qualifications so rare in our industry? Many reasons exist including how difficult it is to find quality people that can sell, want to work in insurance and that agencies can afford. Other industries pay more for high quality young candidates. Insurance buyers are age discriminatory in that they do not like to make large purchases from people that are 24 INSURANCEJOURNAL.COM

years old. Bridging that gulf between being 22, just out of college, and 30, which is about the age buyers are more receptive, is difficult. Pulling them from other industries at that age is tough because they may be realizing some success then and yet, carrying them for five to eight years while they age is too expensive. While they, like cheese and wine get better with age, agencies just can’t store young producers and pay them while they age. Another factor is that insurance is not sexy. Lots of other industries are sexier to young people. Some of the insurtech firms have successfully addressed this point but they focus on marketing rather than sales. Producers are in sales, not marketing. Finding a relatively young, but not too young, person who wants to start their career over, initiate a sales career that is really hard work for many years, and in an industry with a drab reputation is a tall order. This is why the good producers really should be held in high esteem! Add to this the common, though not universal, owner psychologies. In the traditional and now constantly bought out agencies, many owners subconsciously did not want producers that could sell because they did not want to share the limelight. Many of these owners became owners so they would not have managers. They hate being managed and in their sense of fairness, using the Golden Rule to treat others as you would be treated, they won’t manage or train new producers. They fail to appreciate that the need to manage and train is more important to everyone involved. In reality, with absolutely no offense meant, these owners want to manage a book of business and build relationships with clients rather than building a business. Building a business is required for successful producer development. The former goal is not wrong. It just is not compatible with developing quality producers. Put the two factors together and is it any wonder the producer failure rate is so high? Or that producers are not held in high esteem? Do not think the big shops have this figured out either because most do not.

‘Good is subjective and producers usually have a definition that varies from most all other peoples’ definition.’ The key is leadership. Leadership does start with recognizing high quality producers. Next, if you run an agency of any size, do some honest soul searching. Do you really, truly want quality producers that will push the agency and maybe push you? Are you willing to make the leadership and management commitment to seeing them succeed? What I’ve observed is that good producers have a tendency to find homes in agencies with positive energy and that energy begins with the leadership commitment to develop quality producers and not sustain poor producers. This includes a formal and even rigid development plan and training course. It involves holding them accountable for

Frenkel Psychoanalysis Ad.indd 2

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their activities from day one rather than looking at their production at year end. It involves making sure they actually learn coverages rather than just get CE. Almost no producer today is going to do everything on their own. They need leadership, management and mentorship. I only have a few clients where all the producers are held in high esteem. The owners are always great leaders and they always have strong systems in place. You might think those are horrible environments, but they are the most positive environments I visit because the poor producers are not dragging down energy levels. The producers in those shops are held in high esteem, as they should be. These agencies and their employees are the winners. Would you like to join the winners’ club? Burand is the founder and owner of Burand & Associates LLC based in Pueblo, Colo. Phone: 719-4853868. E-mail: chris@burand-associates.com.

1/13/20 10:34 AM

SEPTEMBER 21, 2020 INSURANCE JOURNAL | 47

elcome to Insurance Journal’s 2020 Professional Liability Directory. We’ve compiled this directory of professional liability providers to assist independent agents and brokers in their search for markets. In today’s highly litigious world, professional liability coverages have become critical insurance for many businesses. This directory has been designed to serve as a quick reference guide that allows users to locate carriers, wholesale brokers and managing general agencies offering professional liability coverage. The information published in this directory was submitted directly by the providers and includes their contact information, Web site and states where coverage is available. For a complete listing of markets offered by providers named in this directory, visit: www.insurancejournal. com/directories and type in “professional liability” under the Excess & Surplus, “find a market” option. To submit a listing for future directories, e-mail Kristine Honey at: khoney@insurancejournal.com. We hope you find IJ’s Professional Liability Directory to be a useful tool. To comment on this directory, or any other IJ resource, please e-mail: editorial@insurancejournal.com.

Accountants Liability (continued)

Accountants Liability Company

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

States

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

All States CA

48 | INSURANCE JOURNAL | NATIONAL SEPTEMBER 21, 2020

Company

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

States

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

Allied Health Care Professional Liability Company

States

Access E&S Insurance Services (VA) Admiral Insurance Group Advanced Professional Services, LLC Agency Marketing Services Agentic Insurance, LLC

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

Allsouth Professional Liability AmWINS Group, Inc. - 100 Offices Nationwide Appalachian Underwriters, Inc. ARC West Coast Excess & Surplus Brokerage, LLC Arlington/Roe Artex Risk Solutions, Inc. Ashley General Agency Baker Insurance and Bonds, LLC Braishfield Associates, Inc. Breckenridge Insurance Services Burns & Wilcox — All Offices CFC Underwriting Citadel Insurance Services, LC

Multiple – please contact us. All States All States All States IL IN KY MI MN MO OH TN WI (includes Social Services) All States TX All States All States All States All States All States All States

All Solutions PBS, LLC

All States

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Allied Health Care Professional Liability (continued) Company

States

CNA All States Commercial Insurance Group dba Bigfoot Insurance Most States Cooper & McCloskey, Inc. Most States CRC Insurance Services All States Delta General Agency Corp. TX Donald Gaddis Co., Inc. Insurance Svcs All States Eaton Professional Insurance Services CA Executive Insurance Professionals, PLLC CA GA NM OK TX First Choice Insurance Intermediaries, Inc. Most States Gumtree Wholesale Insurance Brokers, Inc. AL AR KS KY LA MO MS TN TX Hallmark Financial Services, Inc. All States International Excess Companies All States J.M. Wilson AL AR FL GA IA IL IN KS KY MI MO NC NE OH OK PA SC TN VA WI WV James River Insurance Company All States Jimcor Agencies All States except IA MT ND NE SD WY Joseph Krar & Associates, Inc. CT MA RI Keating Brokerage All States Keystone Insurance Services, Inc. TX King Insurance Support Systems Nationwide MarketScout All States Maverick Commercial Insurance Services All States MAXIMUM All States McGowan, Donnelly & Oberheu, LLC (MDO) All States New England Excess Exchange, Ltd.. CT MA MD ME NH NJ NY OH PA RI VT NIF Pro All States Osprey Underwriters All States Patriot National Underwriters, Inc. AR KS LA MS NM OK TX Philadelphia Insurance Companies All States except LA Prime Insurance Company All States Professional Liability Ins. Svcs - Underwriting Facilities All States (Home Health, Acupuncturist) Professional Program Insurance Brokerage All States Program Brokerage Corporation All States Promont Insurance Advisors All States ProWriters All States Quaker Special Risk, a JenCap Company Most States Quirk & Company LA NM OK OR TX WA R.E. Chaix & Assoc. CA RMIS AZ CA IA IL IN MI MN MO NE NM NV OH OR TX WI Rockwood Programs, Inc. All States (varies based on program) RPS Executive Lines All States RPS Healthcare All States Russell Bond & Co., Inc. Most States Sierra Specialty All States Southern Insurance Underwriters, Inc. CMGA AL FL GA MS NC SC TN Special Risks Facilities, Inc. - a JenCap Company IN MI OH Specialty Insurance Managers, Inc. AR MO NM OK TX TAPCO Underwriters, Inc. Most States Tejas American General Agency AR LA NM OK TX The Hanover Insurance Group Most States U.S. Risk Insurance Group, LLC All States USG Insurance Services, Inc. All States W. Brown & Associates Insurance Services CA Western Special Risks, Inc. - a JenCap Company AZ CA NM NV TX UT Worldwide Facilities, LLC All States

Architects & Engineers Liability Company

Access E&S Insurance Services (VA) Admiral Insurance Group Agency Marketing Services Agentic Insurance, LLC All Risks, Ltd. All Solutions PBS, LLC Allsouth Professional Liability American Specialty Agents Programs, LLC AMIS/Alliance Marketing & Insurance Services AmWINS Group, Inc. - 100 Offices Nationwide Appalachian Underwriters, Inc. Argo Pro Arlington/Roe ARMR.Network - Better Insurance By Design Ashley General Agency Bailey Special Risks, Inc. Berkshire Hathaway GUARD Insurance Companies Braishfield Associates, Inc. Breckenridge Insurance Services INSURANCEJOURNAL.COM

States

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

All States

Architects & Engineers Liability (continued) Company

Brown & Riding Burns & Wilcox — All Offices Business Risk Partners Capitol Special Risks, Inc. CFC Underwriting Chubb CID Insurance Programs, Inc.

Citadel Insurance Services, LC

States

All States All States All States All States All States All States AZ CA CO ID MD NE NM NV OR PA TN TX UT WA

All States (includes Oilfield Consultants PL/GL)

CNA All States Commercial Sector Insurance Brokers, LLC All States Commonwealth Underwriters, Ltd. DC MD NC PA SC VA WV Cooper & McCloskey, Inc. Most State CRC Insurance Services All States Crouse & Associates All States DFCORBY Insurance Services CA Donald Gaddis Co., Inc. Insurance Svcs All States Eaton Professional Insurance Services CA Ko Specialty Insurance Services, Inc. AZ CA FL NV NY OR UT Erickson-Larsen, Inc. MN MT ND SD WI WY Euclid Design Underwriters Most States Executive Insurance Professionals, PLLC CA GA NM OK TX Founders Professional All States except AK Fox Point Programs All States (varies based on class of business Freberg Environmental, Inc. All States Gorst & Compass Insurance CA Gumtree Wholesale Insurance Brokers, Inc. AL AR KS KY LA MO MS TN TX Hill Program Managers, LLC All States Houston International Insurance Group All States except AK HI Indemnity Excess & Surplus Agency, Inc. Western States Intercorp, Inc. All States International Excess Companies All States Jacobs & Associates, Inc. OH James River Insurance Company All States Jimcor Agencies All States except IA MT ND NE SD WY Joseph Krar & Associates, Inc. CT MA RI Keating Brokerage All States Keystone Insurance Services, Inc. TX King Insurance Support Systems Nationwide Kinsale Insurance Company All States + DC, Puerto Rico, Virgin Islands Landmark E & S Most States M.J. Hall & Company, Inc. AK AZ CA HI NV OR WA M.J. Kelly Company AR FL IA IL KS LA MO MS NC OK SC TN TX MarketScout All States MAXIMUM All States Monarch E&S Insurance Services AZ CA HI NV TX N-Surance Outlets, Inc. FL GA LA TN NeitClem Wholesale Insurance Brokerage, Inc. AZ CA NV Networked Insurance Agents All States New Age Underwriters Agency, Inc. All States New England Excess Exchange, Ltd.. CT MA MD ME NH NJ NY OH PA RI VT Norman-Spencer International, Inc. All States Patriot National Underwriters, Inc. AR KS LA MS NM OK TX Philadelphia Insurance Companies All States except LA Prime Insurance Company All States Professional Insurance Concepts All States Professional Liability Brokers & Consultants, Inc. All States Program Brokerage Corporation All States ProWriters All States Quadrant Insurance Managers All States Quaker Special Risk, a JenCap Company Most States (includes Construction Mgrs) Quirk & Company LA NM OK OR TX WA R.E. Chaix & Assoc. CA RLI Insurance Company All States Roush Insurance Services, Inc. IL IN OH RPS Executive Lines All States RT Specialty All States Select Risk Services, Inc. AR AZ CA CO LA MS NM PA TX Shelly, Middlebrooks & O’Leary, Inc. AL FL GA MS NC SC TX Sierra Specialty All States SIS Wholesale Insurance Services All States Southern Insurance Underwriters, Inc. CMGA AL FL GA MS NC SC TN Special Risks Facilities, Inc. - a JenCap Company IN MI OH Specialty Insurance Managers, Inc. AR MO NM OK TX Synergy Professional Associates, Inc. All States TAPCO Underwriters, Inc. Most States Target Professional Programs All States Tejas American General Agency AR LA NM OK TX The Hanover Insurance Group Most States Tokio Marine/HCC All States (Includes Contractors PL) SEPTEMBER 21, 2020 INSURANCE JOURNAL | NATIONAL | 49

Crime (continued)

Architects & Engineers Liability (continued) Company

Travelers U.S. Risk Insurance Group, LLC USG Insurance Services, Inc.

Victor Insurance Managers Inc.

W. Brown & Associates Insurance Services Western Security Surplus Insurance Brokers, Inc. Western Special Risks, Inc. - a JenCap Company Western Surplus Lines Agency, Inc. Woodlands Insurance Services, LLC Worldwide Facilities, LLC

All States

CA AZ CA CO FL NV OR TX UT WA AZ CA NM NV TX UT LA ND NM OK TX Most States All States

Beauty/Barber Shop E&O Company

States

360 Coverage Pros All States AMIS/Alliance Marketing & Insurance Services All States Ashley General Agency TX Breckenridge Insurance Services All States Chubb All States Cooper & McCloskey, Inc. Most States Donald Gaddis Co., Inc. Insurance Svcs All States Erickson-Larsen, Inc. MN MT ND SD WI WY First Choice Insurance Intermediaries, Inc. Most States Joseph Krar & Associates, Inc. CT MA RI Norman-Spencer International, Inc. All States Philadelphia Insurance Companies All States except LA Prime Insurance Company All States Professional Liability Ins. Svcs - Underwriting Facilities All States (Aesthescians, Wellness) Professional Program Insurance Brokerage All States R.E. Chaix & Assoc. CA RMIS AZ CA IA IL IN MI MN MO NE NM NV OH OR TX WI SASSI - Salon & Spa Specialty Insurance Most States Sierra Specialty All States TAPCO Underwriters, Inc. Most States USASIA Insurance Services AZ CA Western Security Surplus Insurance Brokers, Inc. AZ CA CO FL NV OR TX UT WA

Crime Company

Company

States

All States All States All States

States

Alliant Insurance Services All States AMIS/Alliance Marketing & Insurance Services All States Argo Pro Most States Baker Insurance and Bonds, LLC All States Breckenridge Insurance Services All States Brownyard Group Most States (includes first & third party dishonesty) Cochrane and Company All States Commercial Insurance Group dba Bigfoot Insurance Most States Commercial Sector Insurance Brokers, LLC All States Cooper & McCloskey, Inc. Most States Costanza Insurance Agency, Inc. All States (for Security Industry) Donald Gaddis Co., Inc. Insurance Svcs All States EMaxx Assurance Group of Companies, Inc. All States Gerald J. Wilkoff, Inc. All States Houston International Insurance Group All States except AK HI Insurance Agents & Brokers Service Group, Inc. DE MD PA (for Ins. Agents & Brokers only) Intercorp, Inc. All States Izzo Insurance Services, a Div of Hull & Company All States Landy Insurance Agency All States except AK & LA Networked Insurance Agents All States Norman-Spencer Agency, Inc. All States Philadelphia Insurance Companies All States except LA Prime Insurance Company All States Professional Insurance Concepts All States Program Brokerage Corporation All States ProSurance Group, Inc. All States R.E. Chaix & Assoc. CA RPS Technology & Cyber All States RT Specialty All States (includes Kidnap & Ransom) Select Risk Services, Inc. AR AZ CA CO LA MS NM PA TX SIS Wholesale Insurance Services All States SWBC TX The Hanover Insurance Group Most States U.S. Brokers Network, Specialty Program Div of US Risk All States except AK CA HI U S E & O Brokers a Division of U S Risk, LLC All States

50 | INSURANCE JOURNAL | NATIONAL SEPTEMBER 21, 2020

U.S. Risk Insurance Group, LLC USASIA Insurance Services W. Brown & Associates Insurance Services Woodlands Insurance Services, LLC Worldwide Facilities, LLC

States

All States AZ CA CA Most States All States

Cyber Liability Company

360 Coverage Pros All Risks, Ltd. All Solutions PBS, LLC Alliant Insurance Services American Specialty Agents Programs, LLC AMIS/Alliance Marketing & Insurance Services AmWINS Group, Inc. - 100 Offices Nationwide Anderson & Murison, Inc. Appalachian Underwriters, Inc. ARC West Coast Excess & Surplus Brokerage, LLC Argo Pro Arlington/Roe Bailey Special Risks, Inc. Baker Insurance and Bonds, LLC Braishfield Associates, Inc. Breckenridge Insurance Services Brown & Riding Brownyard Group Burns & Wilcox — All Offices Capitol Special Risks, Inc. CFC Underwriting Chubb CID Insurance Programs, Inc. Cochrane and Company Commercial Insurance Group dba Bigfoot Insurance Commercial Sector Insurance Brokers, LLC Cooper & McCloskey, Inc. Coverys CRES Insurance Services, LLC, LLC Delta General Agency Corp. DFCORBY Insurance Services Donald Gaddis Co., Inc. Insurance Svcs Eaton Professional Insurance Services eKo Specialty Insurance Services, Inc. EMaxx Assurance Group of Companies, Inc. Erickson-Larsen, Inc. Executive Insurance Professionals, PLLC Gateway Specialty Insurance Gorst & Compass Insurance Gray-Stone & Company, Inc. Grayhawk General Agency, Inc. Great American Ins. Group - Executive Liab. Division Greenhill Insurance Services Gumtree Wholesale Insurance Brokers, Inc. Indemnity Excess & Surplus Agency, Inc. Insurance Agents & Brokers Service Group, Inc. Intercorp, Inc. International Excess Companies Irwin Siegel Agency, Inc. IT Risk Managers, Inc. J.M. Wilson James Klein Insurance Service, Inc. Jamison Risk Services Jimcor Agencies Joseph Krar & Associates, Inc. Keating Brokerage Keystone Insurance Services, Inc. Keystroke Underwriters King Insurance Support Systems Landy Insurance Agency M.J. Hall & Company, Inc. MarketScout MAXIMUM McGowan, Donnelly & Oberheu, LLC (MDO) Monarch E&S Insurance Services National Association of Professional Agents (NAPA) Negley Associates

States

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

All States

All States Most States

All States

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

All States

Most States TX CA

All States

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

INSURANCEJOURNAL.COM

Cyber Liability (continued) Company

D&O Liability (continued)

States

Networked Insurance Agents All States New England Excess Exchange, Ltd.. CT MA MD ME NH NJ NY OH PA RI VT NIF Pro All States Norman-Spencer Agency, Inc. All States Number One Insurance Agency MA OREP - Organization of Real Estate Professionals Ins. All States Osprey Underwriters All States Philadelphia Insurance Companies All States except LA Prime Insurance Company All States Professional Insurance Concepts All States Professional Liability Brokers & Consultants, Inc. All States Program Brokerage Corporation All States ProSurance Group, Inc. All States ProWriters All States Quadrant Insurance Managers All States R.E. Chaix & Assoc. CA RLI Insurance Company All States RMIS AZ CA IA IL IN MI MN MO NE NM NV OH OR TX WI Rockwood Programs, Inc. All States (varies based on program) RPS Executive Lines All States RPS Technology & Cyber All States RT Specialty All States (includes Privacy & Security) Russell Bond & Co., Inc. Most States SASSI - Salon & Spa Specialty Insurance Most States Select Risk Services, Inc. AR AZ CA CO LA MS NM PA TX Shelly, Middlebrooks & O’Leary, Inc. AL FL GA MS NC SC TX Sierra Specialty All States SIS Wholesale Insurance Services All States Southern Insurance Underwriters, Inc. CMGA AL FL GA MS NC SC TN Special Risks Facilities, Inc. - a JenCap Company IN MI OH Specialty Insurance Managers, Inc. AR MO NM OK TX SWBC TX Synergy Professional Associates, Inc. All States Tokio Marine HCC Professional Lines Group All States Travelers All States U.S. Brokers Network, Specialty Program Div of US Risk All States except AK CA HI U S E & O Brokers a Division of U S Risk, LLC All States

U.S. Risk Insurance Group, LLC

All States

Victor Insurance Managers Inc.

All States

USG Insurance Services, Inc.

W. Brown & Associates Insurance Services Western Special Risks, Inc. - a JenCap Company Western Surplus Lines Agency, Inc. Western World Insurance Group Woodlands Insurance Services, LLC Worldwide Facilities, LLC

CA AZ CA NM NV TX UT LA ND NM OK TX Most States Most States All States

D&O Liability Company

All States

Access E&S Insurance Services (VA) Advanced Professional Services, LLC Agentic Insurance, LLC All Risks, Ltd. All Solutions PBS, LLC Alliant Insurance Services Allsouth Professional Liability American Specialty Agents Programs, LLC AMIS/Alliance Marketing & Insurance Services AmWINS Group, Inc. - 100 Offices Nationwide Anderson & Murison, Inc. Appalachian Underwriters, Inc. ARC West Coast Excess & Surplus Brokerage, LLC Argo Pro Arlington/Roe Ashley General Agency Bailey Special Risks, Inc. Baker Insurance and Bonds, LLC Berkley Select | a Berkley Company Braishfield Associates, Inc.

Breckenridge Insurance Services

Brown & Riding Burns & Wilcox — All Offices Business Risk Partners Capitol Special Risks, Inc. CID Insurance Programs, Inc. Citadel Insurance Services, LC Cochrane and Company Commercial Insurance Group dba Bigfoot Insurance

INSURANCEJOURNAL.COM

States

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

All States

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

Company

Commercial Sector Insurance Brokers, LLC Commonwealth Underwriters, Ltd.

States

All States DC MD NC PA SC VA WV

Cooper & McCloskey, Inc.

Most States

Coverys

All States

Costanza Insurance Agency, Inc.

CRC Insurance Services

CRES Insurance Services, LLC Crouse & Associates Delta General Agency Corp. Donald Gaddis Co., Inc. Insurance Svcs Eaton Professional Insurance Services eKo Specialty Insurance Services, Inc. EMaxx Assurance Group of Companies, Inc. Erickson-Larsen, Inc. Executive Insurance Professionals, PLLC Founders Professional Gateway Specialty Insurance Gorst & Compass Insurance Gray-Stone & Company, Inc. Great American Ins. Group - Executive Liab. Division Gumtree Wholesale Insurance Brokers, Inc. Hallmark Financial Services, Inc. Houston International Insurance Group Indemnity Excess & Surplus Agency, Inc. Insurance Agents & Brokers Service Group, Inc. IPA Risk Management, LLC Irwin Siegel Agency, Inc. IT Risk Managers, Inc. J.M. Wilson Jacobs & Associates, Inc. Jamison Risk Services Jimcor Agencies Joseph Krar & Associates, Inc. Keating Brokerage King Insurance Support Systems Kinsale Insurance Company Landy Insurance Agency M.J. Hall & Company, Inc. M.J. Kelly Company MarketScout MAXIMUM McGowan, Donnelly & Oberheu, LLC (MDO) Monarch E&S Insurance Services Negley Associates NeitClem Wholesale Insurance Brokerage, Inc. Networked Insurance Agents New Age Underwriters Agency, Inc. New England Excess Exchange, Ltd.. NIF Pro Osprey Underwriters Philadelphia Insurance Companies Prime Insurance Company Professional Governmental Underwriters Professional Insurance Concepts Professional Liability Brokers & Consultants, Inc. Program Brokerage Corporation ProWriters Quirk & Company Quadrant Insurance Managers Quaker Special Risk, a JenCap Company R.E. Chaix & Assoc. RLI Insurance Company RMIS Rockwood Programs, Inc. Roush Insurance Services, Inc. RPS Executive Lines RPS Technology & Cyber RT Specialty Russell Bond & Co., Inc. Shelly, Middlebrooks & O’Leary, Inc. SIS Wholesale Insurance Services Southern Insurance Underwriters, Inc. CMGA Special Risks Facilities, Inc. - a JenCap Company Specialty Insurance Managers, Inc. SWBC TAPCO Underwriters, Inc. Tejas American General Agency The Hanover Insurance Group U S E & O Brokers a Division of U S Risk, LLC U.S. Risk Insurance Group, LLC

All States

(for Security Industry)

All States Most States All States TX

All States

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

All States AZ CA IA IL IN MI MN MO NE NM NV OH OR TX WI All States (varies based on program) IL IN OH All States All States All States (includes Private Mgmt Liability) Most States AL FL GA MS NC SC TX All States AL FL GA MS NC SC TN IN MI OH AR MO NM OK TX TX Most States AR LA NM OK TX Most States All States All States

SEPTEMBER 21, 2020 INSURANCE JOURNAL | NATIONAL | 51

D&O Liability (continued) Company

E&O (General) (continued)

United Educators USASIA Insurance Services USG Insurance Services, Inc. Victor Insurance Managers Inc. W. Brown & Associates Insurance Services Western Special Risks, Inc. - a JenCap Company Western World Insurance Group Woodlands Insurance Services, LLC Worldwide Facilities, LLC

States

All States AZ CA All States All States CA AZ CA NM NV TX UT Most States Most States All States

E&O (General) Company

360 Coverage Pros Access E&S Insurance Services (VA) Advanced Professional Services, LLC Agency Marketing Services Agentic Insurance, LLC All Risks, Ltd.

All Solutions PBS, LLC

Alliant Insurance Services Anderson & Murison, Inc. Appalachian Underwriters, Inc. ARC West Coast Excess & Surplus Brokerage, LLC ARMR.Network - Better Insurance By Design Ashley General Agency Bailey Special Risks, Inc. Baker Insurance and Bonds, LLC Breckenridge Insurance Services Brown & Riding Capitol Special Risks, Inc. CapSpecialty CFC Underwriting Chubb CID Insurance Programs, Inc. Citadel Insurance Services, LC CNA Cochrane and Company Commercial Insurance Group dba Bigfoot Insurance Commercial Sector Insurance Brokers, LLC Commonwealth Underwriters, Ltd. Cooper & McCloskey, Inc. Costanza Insurance Agency, Inc. Coverys CRC Insurance Services CRES Insurance Services, LLC Delta General Agency Corp. DFCORBY Insurance Services Donald Gaddis Co., Inc. Insurance Svcs Eaton Professional Insurance Services eKo Specialty Insurance Services, Inc. Elite Underwriters EMaxx Assurance Group of Companies, Inc. Executive Insurance Professionals, PLLC First Choice Insurance Intermediaries, Inc. Fox Point Programs Gorst & Compass Insurance Gray-Stone & Company, Inc. Insurance Agents & Brokers Service Group, Inc. Insurance By Design Intercorp, Inc. Irwin Siegel Agency, Inc. IT Risk Managers, Inc. Izzo Insurance Services, a Div of Hull & Company J.M. Wilson James Klein Insurance Service, Inc. Jamison Risk Services Keating Brokerage Keystroke Underwriters Kinsale Insurance Company Landy Insurance Agency M.J. Hall & Company, Inc. M.J. Kelly Company Maverick Commercial Insurance Services Midlands Management Corp. National Association of Professional Agents (NAPA)

States

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

All States

All States Nationwide All States All States All States TX All States except AK HI All States All States All States All States All States All States All States AZ CA CO ID MD NE NM NV OR PA TN TX UT WA All States All States All States Most States All States DC MD NC PA SC VA WV Most States All States (for Security Industry)

All States

All States Most States TX CA

All States

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

52 | INSURANCE JOURNAL | NATIONAL SEPTEMBER 21, 2020

Company

States

Negley Associates All States NeitClem Wholesale Insurance Brokerage, Inc. AZ CA NV Networked Insurance Agents All States New Age Underwriters Agency, Inc. All States Norman-Spencer International, Inc. All States OREP - Organization of Real Estate Professionals Ins. All States Osprey Underwriters All States Patriot National Underwriters, Inc. AR KS LA MS NM OK TX Philadelphia Insurance Companies All States except LA Prime Insurance Company All States Professional Governmental Underwriters All States Professional Insurance Concepts All States Professional Liability Ins. Svcs - Underwriting Facilities All States (250+ Misc Classes: Vinyard/Farm) Program Brokerage Corporation All States ProLawyer Insurance, LLC DC DE MD NJ NY PA ProSurance Group, Inc. All States Quadrant Insurance Managers All States R.E. Chaix & Assoc. CA RLI Insurance Company All States RMIS AZ CA IA IL IN MI MN MO NE NM NV OH OR TX WI Roush Insurance Services, Inc. IL IN OH RPS Technology & Cyber All States RT Specialty All States Russell Bond & Co., Inc. Most States Select Risk Services, Inc. AR AZ CA CO LA MS NM PA TX Sierra Specialty All States SIS Wholesale Insurance Services All States Specialty Insurance Managers, Inc. AR MO NM OK TX Sun Coast General Insurance Agency AZ CA CO NV OR UT SWBC TX Synergy Professional Associates, Inc. All States TAPCO Underwriters, Inc. Most States Target Professional Programs All States The Hanover Insurance Group Most States Tokio Marine HCC Professional Lines Group All States Tokio Marine/HCC All States Travelers All States U S E & O Brokers a Division of U S Risk, LLC All States U.S. Risk Insurance Group, LLC All States United Educators All States USG Insurance Services, Inc. All States Western Security Surplus Insurance Brokers, Inc. AZ CA CO FL NV OR TX UT WA Western Surplus Lines Agency, Inc. LA ND NM OK TX Western World Insurance Group Most States Woodlands Insurance Services, LLC Most States Worldwide Facilities, LLC All States

Employment Practices Liability (EPLI) Company

Access E&S Insurance Services (VA) All Risks, Ltd. All Solutions PBS, LLC Alliant Insurance Services Allsouth Professional Liability AMIS/Alliance Marketing & Insurance Services AmWINS Group, Inc. - 100 Offices Nationwide Anderson & Murison, Inc. ARC West Coast Excess & Surplus Brokerage, LLC Argo Pro Arlington/Roe Artex Risk Solutions, Inc. Ashley General Agency Bailey Special Risks, Inc. Baker Insurance and Bonds, LLC Berkley Select | a Berkley Company Braishfield Associates, Inc. Breckenridge Insurance Services Brown & Riding Burns & Wilcox — All Offices Business Risk Partners CAMICO Mutual Insurance Company Capitol Special Risks, Inc. CID Insurance Programs, Inc. Cochrane and Company Commercial Insurance Group dba Bigfoot Insurance Commercial Sector Insurance Brokers, LLC Commonwealth Underwriters, Ltd.

States

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

All States

All States All States except HI MT VT WY All States AZ CA CO ID MD NE NM NV OR PA TN TX UT WA All States Most States All States DC MD NC PA SC VA WV INSURANCEJOURNAL.COM

Employment Practices Liability (EPLI) (continued) Company

Cooper & McCloskey, Inc. Costanza Insurance Agency, Inc. Coverys CRC Insurance Services CRES Insurance Services, LLC Crouse & Associates Delta General Agency Corp. DFCORBY Insurance Services Donald Gaddis Co., Inc. Insurance Svcs Eaton Professional Insurance Services eKo Specialty Insurance Services, Inc. Erickson-Larsen, Inc. Executive Insurance Professionals, PLLC Founders Professional Gateway Specialty Insurance Gorst & Compass Insurance Gray-Stone & Company, Inc. Great American Ins. Group - Executive Liab. Division Gumtree Wholesale Insurance Brokers, Inc. Hallmark Financial Services, Inc. Indemnity Excess & Surplus Agency, Inc. Insurance Agents & Brokers Service Group, Inc. International Excess Companies IPA Risk Management, LLC Irwin Siegel Agency, Inc. IT Risk Managers, Inc. Izzo Insurance Services, a Div of Hull & Company J.M. Wilson Jacobs & Associates, Inc. James Klein Insurance Service, Inc. James River Insurance Company Jamison Risk Services Jimcor Agencies Joseph Krar & Associates, Inc. Keystroke Underwriters King Insurance Support Systems Kinsale Insurance Company M.J. Hall & Company, Inc. M.J. Kelly Company MarketScout Maverick Commercial Insurance Services MAXIMUM

Midlands Management Corp.

States

Company

Most States All States

All States

(for Security Industry)

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

All States

Monarch E&S Insurance Services AZ CA HI NV TX Negley Associates All States NeitClem Wholesale Insurance Brokerage, Inc. AZ CA NV Networked Insurance Agents All States New Age Underwriters Agency, Inc. All States New England Excess Exchange, Ltd.. CT MA MD ME NH NJ NY OH PA RI VT NIF Pro All States Number One Insurance Agency MA Osprey Underwriters All States Patriot National Underwriters, Inc. AR KS LA MS NM OK TX Philadelphia Insurance Companies All States except LA Prime Insurance Company All States Professional Governmental Underwriters All States Professional Insurance Concepts All States Professional Liability Brokers & Consultants, Inc. All States Professional Liability Ins. Svcs - Underwriting Facilities All States Program Brokerage Corporation All States Quadrant Insurance Managers All States Quaker Special Risk, a JenCap Company Most States Quirk & Company LA NM OK OR TX WA R.E. Chaix & Assoc. CA RLI Insurance Company All States RMIS AZ CA IA IL IN MI MN MO NE NM NV OH OR TX WI Rockwood Programs, Inc. All States (varies based on program) Roush Insurance Services, Inc. IL IN OH RPS Executive Lines All States RPS Technology & Cyber All States RT Specialty All States Russell Bond & Co., Inc. Most States Shelly, Middlebrooks & O’Leary, Inc. AL FL GA MS NC SC TX Sierra Specialty All States SIS Wholesale Insurance Services All States Southern Insurance Underwriters, Inc. CMGA AL FL GA MS NC SC TN Special Risks Facilities, Inc. - a JenCap Company IN MI OH SWBC TX Synergy Professional Associates, Inc. All States

INSURANCEJOURNAL.COM

Employment Practices Liability (EPLI) (continued)

TAPCO Underwriters, Inc. Target Professional Programs Tejas American General Agency The Hanover Insurance Group Tokio Marine/HCC U S E & O Brokers a Division of U S Risk, LLC U.S. Risk Insurance Group, LLC United Educators USASIA Insurance Services Victor Insurance Managers Inc. W. Brown & Associates Insurance Services Western Security Surplus Insurance Brokers, Inc. Western Special Risks, Inc. - a JenCap Company Western Surplus Lines Agency, Inc. Western World Insurance Group Woodlands Insurance Services, LLC Worldwide Facilities, LLC

States

Most States All States AR LA NM OK TX Most States All States All States All States All States AZ CA All States CA AZ CA CO FL NV OR TX UT WA AZ CA NM NV TX UT LA ND NM OK TX Most States Most States All States

Environmental E&O Company

States

Access E&S Insurance Services (VA) DC DE GA IL MD NC NJ NY OH PA SC TN TX VA Agentic Insurance, LLC DC DE FL MD NJ NY PA VA Alliant Insurance Services All States Appalachian Underwriters, Inc. All States ARMR.Network - Better Insurance By Design All States Ashley General Agency TX Beacon Hill Associates All States Breckenridge Insurance Services All States Citadel Insurance Services, LC All States Cochrane and Company All States Commercial Insurance Group dba Bigfoot Insurance Most States Commercial Sector Insurance Brokers, LLC All States Cooper & McCloskey, Inc. AK AZ CA CO HI IL NV NY OH OR TX WA Delta General Agency Corp. TX DFCORBY Insurance Services CA Donald Gaddis Co., Inc. Insurance Svcs All States eKo Specialty Insurance Services, Inc. AZ CA FL NV NY OR UT EMaxx Assurance Group of Companies, Inc. All States Environmental Insurance Services, Inc. All States Erickson-Larsen, Inc. MN MT ND SD WI WY Executive Insurance Professionals, PLLC CA GA NM OK TX Freberg Environmental, Inc. All States Gray-Stone & Company, Inc. Most States Gumtree Wholesale Insurance Brokers, Inc. AL AR KS KY LA MO MS TN TX Intercorp, Inc. All States International Excess Companies All States J.M. Wilson AL AR FL GA IA IL IN KS KY MI MO NC NE OH OK PA SC TN VA WI WV Jacobs & Associates, Inc. OH James River Insurance Company All States Joseph Krar & Associates, Inc. CT MA RI Landmark E & S Most States Lomax Solutions LLC. dba Lomax Ins. Solutions All States M.J. Hall & Company, Inc. AK AZ CA HI NV OR WA M.J. Kelly Company AR FL IA IL KS LA MO MS NC OK SC TN TX MarketScout All States Maverick Commercial Insurance Services All States NeitClem Wholesale Insurance Brokerage, Inc. AZ CA NV New England Excess Exchange, Ltd.. CT MA MD ME NH NJ NY OH PA RI VT OREP - Organization of Real Estate Professionals Ins. All States Patriot National Underwriters, Inc. AR KS LA MS NM OK TX Philadelphia Insurance Companies All States except LA Prime Insurance Company All States Professional Liability Brokers & Consultants, Inc. All States Quadrant Insurance Managers All States Quaker Special Risk, a JenCap Company Most States Quirk & Company LA NM OK OR TX WA R.E. Chaix & Assoc. CA Roush Insurance Services, Inc. IL IN OH Russell Bond & Co., Inc. Most States Select Risk Services, Inc. AR AZ CA CO LA MS NM PA TX Sierra Specialty All States AR MO NM OK TX Specialty Insurance Managers, Inc. Tejas American General Agency AR LA NM OK TX U.S. Risk Insurance Group, LLC All States USG Insurance Services, Inc. All States

Victor Insurance Managers Inc. Woodlands Insurance Services, LLC

All States

Most States

SEPTEMBER 21, 2020 INSURANCE JOURNAL | NATIONAL | 53

Fiduciary Liability Insurance Company

States

All States All States Most States All States All States All States All States Most States Most States All States All States All States Most States All States All States DE MD PA (for Ins. Agents & Brokers only) All States All States All States All States All States except LA All States All States All States CA All States All States (varies based on program) All States All States All States All States All States AZ CA All States Most States All States

Financial Professionals’ Liability Company

Alliant Insurance Services ARC West Coast Excess & Surplus Brokerage, LLC Argo Pro Baker Insurance and Bonds, LLC Berkley Select | a Berkley Company Breckenridge Insurance Services Business Risk Partners Commercial Insurance Group dba Bigfoot Insurance Cooper & McCloskey, Inc. CRC Insurance Services Donald Gaddis Co., Inc. Insurance Svcs Euclid Specialty Managers, LLC Gray-Stone & Company, Inc. Great American Ins. Group - Executive Liab. Division Hallmark Financial Services, Inc. Insurance Agents & Brokers Service Group, Inc. IPA Risk Management, LLC Irwin Siegel Agency, Inc. Jamison Risk Services Negley Associates Philadelphia Insurance Companies Prime Insurance Company Professional Insurance Concepts Program Brokerage Corporation R.E. Chaix & Assoc. RLI Insurance Company Rockwood Programs, Inc. RPS Technology & Cyber RT Specialty SIS Wholesale Insurance Services U.S. Risk Insurance Group, LLC United Educators USASIA Insurance Services Victor Insurance Managers Inc. Western World Insurance Group Worldwide Facilities, LLC

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

Burns & Wilcox — All Offices

Business Risk Partners Citadel Insurance Services, LC Cooper & McCloskey, Inc. CRES Insurance Services, LLC DFCORBY Insurance Services Donald Gaddis Co., Inc. Insurance Svcs First Choice Insurance Intermediaries, Inc. Fox Point Programs Houston International Insurance Group Intercorp, Inc. IPA Risk Management, LLC Keating Brokerage McGowan, Donnelly & Oberheu, LLC (MDO) N-Surance Outlets, Inc. National Association of Professional Agents (NAPA) NeitClem Wholesale Insurance Brokerage, Inc. Philadelphia Insurance Companies Prime Insurance Company Professional Insurance Concepts Professional Liability Brokers & Consultants, Inc. Program Brokerage Corporation ProSurance Group, Inc. R.E. Chaix & Assoc. RLI Insurance Company RPS Executive Lines RT Specialty SIS Wholesale Insurance Services Target Professional Programs U S E & O Brokers a Division of U S Risk, LLC U.S. Risk Insurance Group, LLC

Hospital Professional Liability

States

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

All States

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

54 | INSURANCE JOURNAL | NATIONAL SEPTEMBER 21, 2020

Company

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

States

All States All States All States All States All States Most States All States CA FL GA All States All States All States AR KS LA MS NM OK TX All States CA All States All States (includes Medical Facilities) All States All States

Insurance Agents & Brokers Prof. Liability Company

States

360 Coverage Pros Admiral Insurance Group Agency Marketing Services All Risks, Ltd.

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

Multiple – please contact us. All States All States Nationwide All States TX All States except AK HI All States All States All States All States All States All States All States DC MD NC PA SC VA WV

All Solutions PBS, LLC

Allsouth Professional Liability American Specialty Agents Programs, LLC AMIS/Alliance Marketing & Insurance Services Anderson & Murison, Inc. Appalachian Underwriters, Inc. Ashley General Agency Bailey Special Risks, Inc. Braishfield Associates, Inc. Breckenridge Insurance Services Business Risk Partners Capitol Special Risks, Inc. CapSpecialty Cochrane and Company Commercial Sector Insurance Brokers, LLC Commonwealth Underwriters, Ltd.

Cooper & McCloskey, Inc.

Crouse & Associates Delta General Agency Corp. Donald Gaddis Co., Inc. Insurance Svcs eKo Specialty Insurance Services, Inc. Elite Underwriters Founders Professional Gorst & Compass Insurance Gumtree Wholesale Insurance Brokers, Inc. Indemnity Excess & Surplus Agency, Inc. Insurance Agents & Brokers Service Group, Inc. Insurance By Design Insurance Specialties Services, Inc. International Excess Companies IPA Risk Management, LLC Irwin Siegel Agency, Inc. IT Risk Managers, Inc. Jacobs & Associates, Inc. James Klein Insurance Service, Inc. James River Insurance Company Jamison Risk Services Keating Brokerage Keystroke Underwriters King Insurance Support Systems Kinsale Insurance Company MarketScout MAXIMUM McGowan, Donnelly & Oberheu, LLC (MDO) Midlands Management Corp. Monarch E&S Insurance Services N-Surance Outlets, Inc. National Association of Professional Agents (NAPA) NeitClem Wholesale Insurance Brokerage, Inc. New Age Underwriters Agency, Inc. NIF Pro

All States

Most States

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INSURANCEJOURNAL.COM

Lawyers Liability (continued)

Insurance Agents & Brokers Prof. Liability (continued) Company

U.S. Risk Insurance Group, LLC

W. Brown & Associates Insurance Services Western Security Surplus Insurance Brokers, Inc.

360 Coverage Pros Advanced Professional Services, LLC Agency Marketing Services All Risks, Ltd. Alliant Insurance Services Allsouth Professional Liability AmWINS Group, Inc. - 100 Offices Nationwide Argo Pro Arlington/Roe Berkley Select | a Berkley Company Berkshire Hathaway GUARD Insurance Companies Breckenridge Insurance Services Brown & Riding Burns & Wilcox — All Offices Capitol Special Risks, Inc. Chubb CID Insurance Programs, Inc. CNA Cochrane and Company Cooper & McCloskey, Inc. CRC Insurance Services Crouse & Associates DFCORBY Insurance Services Donald Gaddis Co., Inc. Insurance Svcs Founders Professional Gorst & Compass Insurance Gray-Stone & Company, Inc. Grayhawk General Agency, Inc. Gumtree Wholesale Insurance Brokers, Inc. Insurance By Design IPA Risk Management, LLC James Klein Insurance Service, Inc. James River Insurance Company Jamison Risk Services Jimcor Agencies Keystone Insurance Services, Inc. Kinsale Insurance Company Landy Insurance Agency Lawyer’s Protector Plan M.J. Hall & Company, Inc. MAXIMUM McGowan, Donnelly & Oberheu, LLC (MDO) Monarch E&S Insurance Services NeitClem Wholesale Insurance Brokerage, Inc. New Age Underwriters Agency, Inc. Number One Insurance Agency

INSURANCEJOURNAL.COM

CA AZ CA CO FL NV OR TX UT WA

States

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

Most States

All States All States CA All States All States except AK CA Most States AZ CO ID NM NV TX UT WA AL AR KS KY LA MO MS TN TX Most States All States Most States All States All States except AK NV All States except IA MT ND NE SD WY TX All States + DC, Puerto Rico, Virgin Islands All States except AK & LA All States except AK HI LA OR WV WY AK AZ CA HI NV OR WA All States All States AZ CA HI NV TX AZ CA NV All States MA

Prime Insurance Company Professional Insurance Concepts Professional Liability Brokers & Consultants, Inc. Program Brokerage Corporation ProLawyer Insurance, LLC Quaker Special Risk, a JenCap Company R.E. Chaix & Assoc. Risk Placement Services, Inc. - Bridgewater RT Specialty Russell Bond & Co., Inc. Sierra Specialty SIS Wholesale Insurance Services Synergy Professional Associates, Inc. Target Professional Programs Tejas American General Agency The Hanover Insurance Group Tokio Marine/HCC Travelers

U.S. Risk Insurance Group, LLC

Western Security Surplus Insurance Brokers, Inc. Worldwide Facilities, LLC

States

All States All States All States All States DC DE MD NJ NY PA Most States CA All States All States Most States All States All States All States All States AR LA NM OK TX Most States All States All States

All States

AZ CA CO FL NV OR TX UT WA All States

Managed Health Care Professional Liability

All States

Lawyers Liability Company

Company

States

Number One Insurance Agency MA Prime Insurance Company All States Professional Insurance Concepts All States Professional Liability Ins. Svcs - Underwriting Facilities All States Program Brokerage Corporation All States ProSurance Group, Inc. All States ProWriters All States Quadrant Insurance Managers All States QQuaker Special Risk, a JenCap Company Most States R.E. Chaix & Assoc. CA Risk Placement Services, Inc. - Bridgewater All States Rockwood Programs, Inc. All States (varies based on program) RPS Executive Lines All States Sierra Specialty All States SIS Wholesale Insurance Services All States Southern Insurance Underwriters, Inc. CMGA AL FL GA MS NC SC TN Sun Coast General Insurance Agency AZ CA CO NV OR UT Synergy Professional Associates, Inc. All States TAPCO Underwriters, Inc. Most States Target Professional Programs All States Tejas American General Agency AR LA NM OK TX Tokio Marine HCC Professional Lines Group All States U.S. Brokers Network, Specialty Program Div of US Risk All States except AK CA HI U S E & O Brokers a Division of U S Risk, LLC All States

Company

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

States

DC DE FL MD NJ NY PA VA All States All States All States All States Most States All States MN MT ND SD WI WY All States AR AZ CA CO GA IL KY MO MS NC NJ NM NV NY OR PA SC TN TX VA All States All States All States CA All States All States All States All States

Media Professional Liability Company

Agentic Insurance, LLC Anderson & Murison, Inc. ARC West Coast Excess & Surplus Brokerage, LLC Bailey Special Risks, Inc.

Breckenridge Insurance Services

CFC Underwriting Chubb Commonwealth Underwriters, Ltd. Cooper & McCloskey, Inc. Crouse & Associates Donald Gaddis Co., Inc. Insurance Svcs Eaton Professional Insurance Services eKo Specialty Insurance Services, Inc. Elite Underwriters Erickson-Larsen, Inc. First Choice Insurance Intermediaries, Inc. Fox Point Programs IT Risk Managers, Inc. Jacobs & Associates, Inc. Jimcor Agencies Keystone Insurance Services, Inc. M.J. Hall & Company, Inc. M.J. Kelly Company NeitClem Wholesale Insurance Brokerage, Inc. Networked Insurance Agents Prime Insurance Company Pro-Praxis Insurance (division of CRC) Professional Liability Brokers & Consultants, Inc. ProWriters

States

DC DE FL MD NJ NY PA VA Nationwide All States All States except AK HI

All States

All States All States DC MD NC PA SC VA WV Most States All States All States CA AZ CA FL NV NY OR UT CA FL GA MN MT ND SD WI WY Most States All States (varies based on class of business) All States except AK HI OH All States except IA MT ND NE SD WY TX AK AZ CA HI NV OR WA AR FL IA IL KS LA MO MS NC OK SC TN TX AZ CA NV All States All States All States All States All States

SEPTEMBER 21, 2020 INSURANCE JOURNAL | NATIONAL | 55

Media Professional Liability (continued) Company

Quadrant Insurance Managers Quirk & Company R.E. Chaix & Assoc. RMIS Shelly, Middlebrooks & O’Leary, Inc. SIS Wholesale Insurance Services Special Risks Facilities, Inc. - a JenCap Company Tokio Marine/HCC W. Brown & Associates Insurance Services Western Special Risks, Inc. - a JenCap Company

States

All States LA NM OK OR TX WA CA AZ CA IA IL IN MI MN MO NE NM NV OH OR TX WI AL FL GA MS NC SC TX All States IN MI OH All States CA AZ CA NM NV TX UT

Medical Professional Liability (Med Mal) Company

States

Access E&S Insurance Services (VA) DC DE GA IL MD NC NJ NY OH PA SC TN TX VA Admiral Insurance Group All States Advanced Professional Services, LLC CT DC FL GA MA MI NJ NY OH SC TX VA Agency Marketing Services AL CA CO FL GA KS LA MO NC NJ OH PA SC TN TX All Risks, Ltd. All States AmWINS Group, Inc. - 100 Offices Nationwide All States Arlington/Roe IL IN KY MI MN MO OH TN WI Artex Risk Solutions, Inc. All States Breckenridge Insurance Services All States Brown & Riding All States Citadel Insurance Services, LC All States CNA All States Cooper & McCloskey, Inc. Most States Coverys All States CRC Insurance Services All States Crouse & Associates All States Delta General Agency Corp. TX Donald Gaddis Co., Inc. Insurance Svcs All States Eaton Professional Insurance Services CA Elite Underwriters CA FL GA Fox Point Programs All States (varies based on class of business) Gray-Stone & Company, Inc. Most States Greenhill Insurance Services All States Hallmark Financial Services, Inc. All States Indemnity Excess & Surplus Agency, Inc. Western States J.M. Wilson AL AR FL GA IA IL IN KS KY MI MO NC NE OH OK PA SC TN VA WI WV James Klein Insurance Service, Inc. Most States Keystone Insurance Services, Inc. TX Kinsale Insurance Company All States + DC, Puerto Rico, Virgin Islands Magnolia LTC AR AZ CA CO GA IL KY MO MS NC NJ NM NV NY OR PA SC TN TX VA MarketScout All States Maverick Commercial Insurance Services All States Monarch E&S Insurance Services AZ CA HI NV TX NeitClem Wholesale Insurance Brokerage, Inc. AZ CA NV New Age Underwriters Agency, Inc. All States Patriot National Underwriters, Inc. AR KS LA MS NM OK TX Prime Insurance Company All States Professional Liability Brokers & Consultants, Inc. All States Professional Program Insurance Brokerage All States Program Brokerage Corporation All States Promont Insurance Advisors All States Psych Professional Liability, a div of Frenkel & Co. All States (Psychoanalysts, Psychiatrists, Psychologists, Social Workers) Quaker Special Risk, a JenCap Company Most States R.E. Chaix & Assoc. CA Rockwood Programs, Inc. All States (varies based on program) Roush Insurance Services, Inc. IL IN OH RPS Healthcare All States RT Specialty All States Russell Bond & Co., Inc. Most States SIS Wholesale Insurance Services All States TDC Specialty Underwriters All States

U.S. Risk Insurance Group, LLC

USG Insurance Services, Inc. Wholesale Connection Insurance Services Worldwide Facilities, LLC

Misc. Professional Liability - Medical Fields

All States All States CA All States

56 | INSURANCE JOURNAL | NATIONAL SEPTEMBER 21, 2020

Company

States

Access E&S Insurance Services (VA) DC DE GA IL MD NC NJ NY OH PA SC TN TX VA Admiral Insurance Group All States Advanced Professional Services, LLC CT DC FL GA MA MI NJ NY OH SC TX VA Agency Marketing Services AL CA CO FL GA KS LA MO NC NJ OH PA SC TN TX Allsouth Professional Liability Multiple – please contact us. Appalachian Underwriters, Inc. All States Artex Risk Solutions, Inc. All States Bailey Special Risks, Inc. All States except AK HI Berkley Select | a Berkley Company All States Braishfield Associates, Inc. All States (Assisted Living, Home Healthcare, Mental Health) Breckenridge Insurance Services All States CapSpecialty All States CID Insurance Programs, Inc. AZ CA CO ID MD NE NM NV OR PA TN TX UT WA Cooper & McCloskey, Inc. Most States Donald Gaddis Co., Inc. Insurance Svcs All States Erickson-Larsen, Inc. MN MT ND SD WI WY First Choice Insurance Intermediaries, Inc. Most States Gorst & Compass Insurance CA Greenhill Insurance Services All States Hallmark Financial Services, Inc. All States IPA Risk Management, LLC All States International Excess Companies All States Irwin Siegel Agency, Inc. All States James Klein Insurance Service, Inc. Most States James River Insurance Company All States M.J. Kelly Company AR FL IA IL KS LA MO MS NC OK SC TN TX Magnolia LTC - (Skilled Nursing, Assisted Living) AR AZ CA CO GA IL KY MO MS NC NJ NM NV NY OR PA SC TN TX VA Maverick Commercial Insurance Services All States Negley Associates All States NIF Pro All States Patriot National Underwriters, Inc. AR KS LA MS NM OK TX Prime Insurance Company All States Professional Liability Ins. Svcs - Underwriting Facilities All States (Alcohol/Drug Testing, Diagnostics) Professional Program Insurance Brokerage All States Promont Insurance Advisors All States Psych Professional Liability, a div of Frenkel & Co. All States (Psychoanalysts, Psychiatrists, Psychologists, Social Workers Quaker Special Risk, a JenCap Company Most States R.E. Chaix & Assoc. CA Rockwood Programs, Inc. All States (varies based on program) RPS Healthcare All States Russell Bond & Co., Inc. Most States SIS Wholesale Insurance Services All States Sports & Fitness Insurance Corporation All States TAPCO Underwriters, Inc. Most States TDC Specialty Underwriters All States (includes LTC & Assisted Living)

U.S. Risk Insurance Group, LLC

USASIA Insurance Services Western Security Surplus Insurance Brokers, Inc. Western Surplus Lines Agency, Inc. Worldwide Facilities, LLC

All States

AZ CA AZ CA CO FL NV OR TX UT WA LA ND NM OK TX All States

Miscellaneous Professional Liability Company

States

Access E&S Insurance Services (VA) Admiral Insurance Group Agency Marketing Services Agentic Insurance, LLC All Risks, Ltd.

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

Multiple – please contact us. All States All States All States Nationwide All States Most States IL IN KY MI MN MO OH TN WI All States TX All States All States

All Solutions PBS, LLC

Allsouth Professional Liability American Specialty Agents Programs, LLC AMIS/Alliance Marketing & Insurance Services AmWINS Group, Inc. - 100 Offices Nationwide Anderson & Murison, Inc. Appalachian Underwriters, Inc. Argo Pro Arlington/Roe ARMR.Network - Better Insurance By Design Ashley General Agency Baker Insurance and Bonds, LLC Berkley Select | a Berkley Company

All States

INSURANCEJOURNAL.COM

Miscellaneous Professional Liability (continued) Company

States

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

INSURANCEJOURNAL.COM

Miscellaneous Professional Liability (continued) Company

States

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

Nonprofits’ Liability Company

All Solutions PBS, LLC

AMIS/Alliance Marketing & Insurance Services Anderson & Murison, Inc. Baker Insurance and Bonds, LLC Berkley Select | a Berkley Company Breckenridge Insurance Services Business Risk Partners CFC Underwriting Cochrane and Company Commonwealth Underwriters, Ltd. Cooper & McCloskey, Inc. Donald Gaddis Co., Inc. Insurance Svcs Eaton Professional Insurance Services EMaxx Assurance Group of Companies, Inc. Erickson-Larsen, Inc. Euclid Specialty Managers, LLC Executive Insurance Professionals, PLLC Gateway Specialty Insurance Gray-Stone & Company, Inc. Great American Ins. Group - Executive Liab. Division Indemnity Excess & Surplus Agency, Inc. Irwin Siegel Agency, Inc. J.M. Wilson Jacobs & Associates, Inc. Joseph Krar & Associates, Inc. King Insurance Support Systems M.J. Kelly Company Negley Associates NeitClem Wholesale Insurance Brokerage, Inc.

States

All States

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

SEPTEMBER 21, 2020 INSURANCE JOURNAL | NATIONAL | 57

Nonprofits’ Liability (continued) Company

Networked Insurance Agents New England Excess Exchange, Ltd.. NIF Pro Osprey Underwriters Philadelphia Insurance Companies Prime Insurance Company Professional Insurance Concepts Quirk & Company R.E. Chaix & Assoc. RLI Insurance Company RMIS Rockwood Programs, Inc. Roush Insurance Services, Inc. RT Specialty Shelly, Middlebrooks & O’Leary, Inc. SIS Wholesale Insurance Services Southern Insurance Underwriters, Inc. CMGA Special Risks Facilities, Inc. - a JenCap Company Specialty Insurance Managers, Inc. U.S. Risk Insurance Group, LLC United Educators USASIA Insurance Services USG Insurance Services, Inc.

Victor Insurance Managers Inc.

Western Special Risks, Inc. - a JenCap Company Western World Insurance Group Woodlands Insurance Services, LLC Worldwide Facilities, LLC

Admiral Insurance Group Advanced Professional Services, LLC Alliant Insurance Services Artex Risk Solutions, Inc. Breckenridge Insurance Services CNA Cooper & McCloskey, Inc. Donald Gaddis Co., Inc. Insurance Svcs Elite Underwriters Founders Professional Greenhill Insurance Services Hallmark Financial Services, Inc. IPA Risk Management, LLC James River Insurance Company Keystone Insurance Services, Inc. Kinsale Insurance Company Maverick Commercial Insurance Services Negley Associates Philadelphia Insurance Companies Prime Insurance Company ProSurance Group, Inc. R.E. Chaix & Assoc. Rockwood Programs, Inc. RPS Healthcare SIS Wholesale Insurance Services TDC Specialty Underwriters U.S. Risk Insurance Group, LLC Western Security Surplus Insurance Brokers, Inc. Worldwide Facilities, LLC

All States except LA

All States All States LA NM OK OR TX WA CA All States AZ CA IA IL IN MI MN MO NE NM NV OH OR TX WI All States (varies based on program) IL IN OH All States AL FL GA MS NC SC TX All States AL FL GA MS NC SC TN IN MI OH AR MO NM OK TX All States All States AZ CA All States

All States

AZ CA NM NV TX UT Most States Most States All States

States

All States CT DC FL GA MA MI NJ NY OH SC TX VA All States All States All States All States Most States All States CA FL GA All States except AK All States All States All States All States TX All States + DC, Puerto Rico, Virgin Islands All States All States All States except LA All States All States CA All States (varies based on program) All States All States All States (includes Dentists) All States AZ CA CO FL NV OR TX UT WA All States

Public Officials Liability Company

States

All States CT MA MD ME NH NJ NY OH PA RI VT All States All States

Physicians Professional Liability Company

Public Officials Liability (continued)

Artex Risk Solutions, Inc. Bailey Special Risks, Inc. Breckenridge Insurance Services Chubb Cooper & McCloskey, Inc. Donald Gaddis Co., Inc. Insurance Svcs EMaxx Assurance Group of Companies, Inc. Euclid Public Sector Midlands Management Corp. NIF Pro Osprey Underwriters

Prime Insurance Company

States

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

All States

58 | INSURANCE JOURNAL | NATIONAL SEPTEMBER 21, 2020

Company

States

Professional Governmental Underwriters All States (includes Law Enforcement & School Board Liability w/ EPL) R.E. Chaix & Assoc. CA Roush Insurance Services, Inc. IL IN OH RPS Executive Lines All States RT Specialty All States Shelly, Middlebrooks & O’Leary, Inc. AL FL GA MS NC SC TX U.S. Risk Insurance Group, LLC All States Victor Insurance Managers Inc. All States Western World Insurance Group Most States

Real Estate Agents’ Liability Company

States

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

Real Estate Agents’ Liability (continued) Company

Tokio Marine HCC Professional Lines Group Tokio Marine/HCC Travelers U.S. Risk Insurance Group, LLC USASIA Insurance Services USG Insurance Services, Inc.

States

Company

All States All States All States All States AZ CA All States

Victor Insurance Managers Inc.

Western Special Risks, Inc. - a JenCap Company Western Surplus Lines Agency, Inc. Western World Insurance Group

All States

AZ CA NM NV TX UT LA ND NM OK TX Most States

Technology E&O Company

States

Access E&S Insurance Services (VA) DC DE GA IL MD NC NJ NY OH PA SC TN TX VA Admiral Insurance Group All States Agentic Insurance, LLC DC DE FL MD NJ NY PA VA All Solutions PBS, LLC All States AmWINS Group, Inc. - 100 Offices Nationwide All States Anderson & Murison, Inc. Nationwide ARC West Coast Excess & Surplus Brokerage, LLC All States Arlington/Roe IL IN KY MI MN MO OH TN WI Ashley General Agency TX Bailey Special Risks, Inc. All States except AK HI Baker Insurance and Bonds, LLC All States Braishfield Associates, Inc. All States (includes Cyber & Privacy) Breckenridge Insurance Services All States Brown & Riding All States Burns & Wilcox — All Offices All States CapSpecialty All States CFC Underwriting All States Chubb All States CID Insurance Programs, Inc. AZ CA CO ID MD NE NM NV OR PA TN TX UT WA Citadel Insurance Services, LC All States Cochrane and Company All States Commercial Insurance Group dba Bigfoot Insurance Most States Commonwealth Underwriters, Ltd. DC MD NC PA SC VA WV Cooper & McCloskey, Inc. Most States CRC Insurance Services All States Crouse & Associates All States DFCORBY Insurance Services CA Donald Gaddis Co., Inc. Insurance Svcs All States Eaton Professional Insurance Services CA eKo Specialty Insurance Services, Inc. AZ CA FL NV NY OR UT EMaxx Assurance Group of Companies, Inc. All States First Choice Insurance Intermediaries, Inc. Most States Founders Professional All States except AK Fox Point Programs All States (varies based on class of business) Gumtree Wholesale Insurance Brokers, Inc. AL AR KS KY LA MO MS TN TX Indemnity Excess & Surplus Agency, Inc. Western States Intercorp, Inc. All States International Excess Companies All State IPA Risk Management, LLC All States IT Risk Managers, Inc. All States except AK HI J.M. Wilson AL AR FL GA IA IL IN KS KY MI MO NC NE OH OK PA SC TN VA WI WV Jacobs & Associates, Inc. OH James Klein Insurance Service, Inc. Most States Jimcor Agencies All States except IA MT ND NE SD WY Joseph Krar & Associates, Inc. CT MA RI Keating Brokerage All States Keystone Insurance Services, Inc. TX Keystroke Underwriters All States except HI King Insurance Support Systems Nationwide M.J. Kelly Company AR FL IA IL KS LA MO MS NC OK SC TN TX MarketScout All States McGowan, Donnelly & Oberheu, LLC (MDO) All States Monarch E&S Insurance Services AZ CA HI NV TX NeitClem Wholesale Insurance Brokerage, Inc. AZ CA NV Networked Insurance Agents All States New England Excess Exchange, Ltd.. CT MA MD ME NH NJ NY OH PA RI VT NIF Pro All States Osprey Underwriters All States Patriot National Underwriters, Inc. AR KS LA MS NM OK TX Philadelphia Insurance Companies All States except LA (includes

INSURANCEJOURNAL.COM

Technology E&O (continued)

States

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

Title Agents E&O Company

States

Agency Marketing Services AL CA CO FL GA KS LA MO NC NJ OH PA SC TN TX Breckenridge Insurance Services All States Capitol Special Risks, Inc. All States Cooper & McCloskey, Inc. Most States CRES Insurance Services, LLC Most States Delta General Agency Corp. TX Donald Gaddis Co., Inc. Insurance Svcs All States Elite Underwriters CA FL GA Founders Professional All States except AK Fox Point Programs All States except AK HI Houston International Insurance Group All States (varies based on class of business) Insurance By Design Most States Intercorp, Inc. All States Jamison Risk Services All States except AK NV Keystroke Underwriters All States except HI MAXIMUM All States N-Surance Outlets, Inc. FL GA LA TN Norman-Spencer Agency, Inc. All States OREP - Organization of Real Estate Professionals Ins. All States Prime Insurance Company All States Professional Insurance Concepts All States Quaker Special Risk, a JenCap Company Most States R.E. Chaix & Assoc. CA Risk Placement Services, Inc. - Bridgewater All States Synergy Professional Associates, Inc. All States Tokio Marine HCC Professional Lines Group All States Tokio Marine/HCC All States U.S. Risk Insurance Group, LLC All States Victor Insurance Managers Inc. All States

Integrated Technology)

SEPTEMBER 21, 2020 INSURANCE JOURNAL | NATIONAL | 59

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

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

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

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

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

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

Advanced Professional Services, LLC 409 E. Hillsboro Blvd., Deerfield Beach, FL 33441 Phone: 866-551-9805 ; Fax: 866-417-7207 E-mail: info@advancedprofessional.com Website: www.advancedprofessional.com

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

Agency Marketing Services 9800 4th St. N, Ste. 400, St. Petersburg, FL 33702 Phone: 727-384-1036 ; Fax: 727-343-4123 E-mail: bwolf@agencymarketing.com Website: www.agencymarketing.com Agentic Insurance, LLC 900 W. Valley Forge Rd., Ste. 100, King of Prussia, PA 19406 Phone: 610-900-0060 ; Fax: 610-900-0070 E-mail: Tkatona@agenticins.com Website: www.agenticins.com All Risks, Ltd. 10150 York Rd., 5th Fl., Hunt Valley, MD 21030 Phone: 800-366-5810 ; Fax: 410-828-8179 E-mail: allrisksij@allrisks.com Website: www.allrisks.com

All Solutions PBS, LLC

17 Village Rd., Ste. 176, New Vernon, NJ 07976-0176 Phone: 888-376-5884 ; Fax: 888-726-6638 E-mail: Info@AllSolutionsPBS.com Website: www.AllSolutionsPBS.com Alliant Insurance Services 1301 Dove St., Ste. 200, Newport Beach, CA 92660 Phone: 949-756-0271 E-mail: marcomm@alliant.com Website: www.alliant.com Allsouth Professional Liability 9800 4th Street N, Ste. 400, St. Petersburg, FL 33702 Phone: 800-913-9260 ; Fax: 813-282-0994 E-mail: info@allsouth.net Website: www.allsouth.net American Specialty Agents Programs, LLC PO Box 88776, Atlanta, GA 30356 Phone: 770-855-4723 E-mail: karen@klowensassociates.com Website: www.klowensassociates.com AMIS/Alliance Marketing & Insurance Services PO Box 567, San Marcos, CA 92079 Phone: 760-471-7116 ; Fax: 760-471-9378 E-mail: snowell@amiscorp.com Website: www.amisinsurance.com AmWINS Group, Inc. - 100 Offices Nationwide See Website for Locations Headquarters - Charlotte, NC 28210 Phone: 704-749-2700 E-mail: marketing@amwins.com Website: www.amwins.com

Managing General Agents | Wholesale Insurance Brokers

Arlington/Roe

8900 Keystone Crossing, Ste. 800, Indianapolis, IN 46240 Phone: 800-878-9891 E-mail: info@arlingtonroe.com Website: www.arlingtonroe.com Argo Pro 413 W. 14th St., New York, NY 10014 Phone: 212-563-3600 E-mail: argopromarketing@argoprous.com Website: argolimited.com/argo-pro Artex Risk Solutions, Inc. 2850 Golf Rd., 5th Fl, Rolling Meadows, IL 60008 Phone: 630-694-5050 E-mail: artexinfo@artexrisk.com Website: www.artexrisk.com Ashley General Agency 2040 N. Loop 336 W, Ste. 200, Conroe, TX 77304 Phone: 936-441-5959 ; Fax: 936-521-5922 E-mail: hnelson@ashleyga.com Website: www.ashleyga.com Bailey Special Risks, Inc. 105 Bluegrass Commons, Ste. C Hendersonville, TN 37075 Phone: 615-264-3977 ; Fax: 615-264-3980 E-mail: questions@bsrins.com Website: www.bsrins.com Baker Insurance and Bonds, LLC Las Vegas, NV Phone: 702-906-0888 E-mail: info@yesbaker.com Website: www.yesbaker.com Beacon Hill Associates PO Box 1532, Charlottesville, VA 22902 Phone: 800-596-2156 ; Fax: 434-979-8964 E-mail: info@b-h-a.com Website: https://b-h-a.com/

60 | INSURANCE JOURNAL | NATIONAL SEPTEMBER 21, 2020

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 Website: www.berkleyselect.com

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

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

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

Burns & Wilcox â&#x20AC;&#x201D; All Offices

See Web for Addresses - HQ - Detroit/Farmington Hills, MI Phone: 248-932-9000 ; Fax: 248-932-9046 E-mail: farmingtonhills@burns-wilcox.com Website: www.burnsandwilcox.com Internationally recognized for its expertise, Burns & Wilcox is North Americaâ&#x20AC;&#x2122;s most capable independently owned insurance wholesale broker and underwriting manager. Burns & Wilcox makes securing coverage for the hard-to-place easy, with proficiency across a broad range of disciplines supported by our unrivaled brokerage and underwriting experts. Business Risk Partners 2 Waterside Crossing, Ste. 102, Windsor, CT 06095 Phone: 860-903-0000 ; Fax: 860-903-0001 E-mail: info@businessriskpartners.com Website: www.businessriskpartners.com CAMICO Mutual Insurance Company 1800 Gateway Dr., Ste. 300, San Mateo, CA 94404 Phone: 800-652-1772 ; Fax: 800-227-2090 E-mail: dcrouch@camico.com Website: www.camico.com

INSURANCEJOURNAL.COM

Professional Liability Directory - Alphabetical Directory of Markets Capitol Special Risks, Inc. 1000 Parkwood Cir, Ste. 925, Atlanta, GA 30339 Phone: 770-618-1011 ; Fax: 770-956-9779 E-mail: ASedliak@csrisks.com Website: www.csrisks.com

Commonwealth Underwriters, Ltd. 2112 W. Laburnum Ave., Richmond, VA 23227 Phone: 800-396-6226 E-mail: skoolhof@commund.com Website: www.commund.com

Delta General Agency Corp. PO Box 2045, Houston, TX 77252 Phone: 713-570-2700 ; Fax: 713-570-2800 E-mail: billf@deltains.com Website: www.deltains.com DFCORBY Insurance Services PO Box 6297, Fullerton, CA 92834 Phone: 714-213-3751 E-mail: denn@dfcorby.com Website: www.dfcorby.com

CapSpecialty 800 W. 47th St., Ste. 515, Kansas City, MO 64112 Phone: 877-224-9748 ; Fax: 816-298-1301 E-mail: eospecialtynews@CapSpecialty.com Website: www.CapSpecialty.com/PL CFC Underwriting 85 Gracechurch St., London EC3V 0AA UK Phone: 207-220-8500 E-mail: enquiries@cfcunderwriting.com Website: www.cfcunderwriting.com Chubb 525 W. Monroe, Ste. 1200, Chicago, IL 60661 Phone: 312-775-7858 E-mail: lauren.gorte@chubb.com Website: www.chubb.com/us/professionalliability CID Insurance Programs, Inc. 7125 El Cajon Blvd., Ste. 3, San Diego, CA 92115 Phone: 800-922-7283 ; Fax: 619-593-2008 E-mail: info@cidinsurance.com Website: www.cidinsurance.com

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

Donald Gaddis Co., Inc. Insurance Svcs

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

Costanza Insurance Agency, Inc. 3010 LBJ Freeway, Ste. 925, Dallas, TX 75243 Phone: 800-346-0942 ; Fax: 972-991-2139 E-mail: b.costanza@cia-tx.com Website: www.costanzainsurance.com

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

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

Citadel is a leading edge specialty casualty and professional insurance program manager. In additional to our exclusive programs, we represent a network of the world’s leading A+ rated insurance carriers providing all lines of Casualty, Property, Marine and Professional Liability insurance. CNA 333 S. Wabash, Chicago, IL 60604 Phone: 800-CNA-2000 E-mail: CNA_helps@cna.com Website: www.cna.com Cochrane and Company 1405 S. Rustle St., Spokane, WA, 99224 Phone: 509-838-0655 ; Fax: 509-838-1710 E-mail: marketing@cochraneco.com Website: www.cochraneco.com Commercial Insurance Group dba Bigfoot Insurance 1773 S. 8th St., Ste. 200, Colorado Springs, CO 80905 Phone: 1-855-900-2960 ; Fax: 719-623-4699 E-mail: submissions@cig-llc.biz Website: www.cig-llc.biz Commercial Sector Insurance Brokers, LLC 600 Corporate Pkwy, Ste. 250, Birmingham, AL 35242 Phone: 205-332-8117; Fax: 205-776-1610 E-mail: bbleistine@comsectorins.com Website: www.comsectorins.com

INSURANCEJOURNAL.COM

One Financial Center, 675 Atlantic Ave, Boston, MA 02111 Business Development: 617-428-9810 E-mail: cmhiggins@coverys.com Website: www.coverys.com

Coverys is a leading provider of medical professional liability insurance committed to offering innovative solutions, advanced analytics, education, and resources to help reduce distractions so healthcare professionals and organizations can focus on what matters most—patients. Please visit coverys.com for more information. CRC Insurance Services See Website for Locations. HQ - Birmingham, AL 35209 Phone: 205-870-7790 ; Fax: 205-879-3739 E-mail: marketing@crcins.com Website: www.crcins.com CRES Insurance Services, LLC POB 29502 #69121, Las Vegas, NV 89126 Phone: 858-618-1648 ; Fax: 858-618-1655 E-mail: info@cresinsurance.com Website: www.cresinsurance.com

eKo Specialty Insurance Services, Inc. 275 E. Thousand Oaks Ave., Thousand Oaks, CA 91360 Phone: 805-373-6968 ; Fax: 805-373-7070 E-mail: eKo@eKoSpecialty.com Website: www.eKoSpecialty.com Elite Underwriters PO Box 141668, Coral Gables, FL 33114 Phone: 305-203-1026 ; Fax: 786-522-9046 E-mail: imoreno@eliteunderwriters.com Website: www.eliteunderwriters.com EMaxx Assurance Group of Companies, Inc. 10 Centennial Dr., Ste. 201, Peabody, MA 01960 Phone: 978-531-1822 E-mail: marketing@emaxxgroup.com Website: www.emaxxgroup.com Environmental Insurance Services, Inc. 200 Cahaba Park S, Ste. 200, Birmingham AL 35242 Phone: 800-239-1347 ; Fax: 205-991-7767 E-mail: jbarron@env-ins.com Website: www.env-ins.com Erickson-Larsen, Inc. 6425 Sycamore Court No., Maple Grove, MN 55369 Phone: 763-535-0055 ; Fax: 763-535-0477 E-mail: appsmnoffice@ericksonlarseninc.com Website: www.ericksonlarseninc.com Euclid Design Underwriters 1177 Avenue of the Americas, 5th FL, New York, NY 10036 Phone: 630-238-1900 ; Fax: 630-773-8590 E-mail: mail@euclid-du.com Website: www.euclid-du.com

Crouse & Associates

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

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

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

SEPTEMBER 21, 2020 INSURANCE JOURNAL | NATIONAL | 61

Professional Liability Directory - Alphabetical Directory of Markets Euclid Specialty Managers, LLC 100 East Street SE, Ste. 204, Vienna, VA 22180 Phone: 571-730-4810 ; Fax: 571-730-4813 E-mail: jobrien@euclidspecialty.com Website: www.euclidspecialty.com

Greenhill Insurance Services 4801 Woodway Dr., Ste. 235W, Houston, TX 77056 Phone: 832-413-4600 E-mail: ghsubmission@grnhll.com Website: www.grnhll.com

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

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

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

First Choice Insurance Intermediaries, Inc. 814 A1A North, Ste. 206, Ponte Vedra Beach, FL 32082 Phone: 866-821-9572 ; Fax: 904-543-4501 E-mail: info@firstchoiceii.com Website: www.firstchoiceii.com

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

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

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

Hill Program Managers, LLC 155 S. Madison St., Ste. 302, Denver, CO 80209 Phone: 303-481-6684 E-mail: Mhill@hillprograms.com Website: www.hillprograms.com

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

Houston International Insurance Group 800 Gessner Rd., 6th Fl, Houston, TX 77024 Phone: 713-975-4800 E-mail: inquiry@hiig.com Website: www.hiig.com

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

Indemnity Excess & Surplus Agency, Inc. 1915 NE Stucki Ave., Ste. 450, Hillsboro, OR 97006 Phone: 800-487-2442 ; Fax: 503-526-9700 E-mail: jreedal@ies-xs.com Website: www.ies-xs.com

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

Insurance Agents & Brokers Service Group, Inc. 5050 Ritter Rd., Mechanicsburg, PA 17055 Phone: 800-998-9644 Ext. 209 ; Fax: 717-795-8347 E-mail: iab@iabforme.com Website: www.iabforme.com

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

Insurance By Design 13465 Midway Rd., Ste. 202, Dallas, TX 75244 Phone: 866-840-8004 ; Fax: 214-217-2548 E-mail: mike@ibdpro.com Website: www.ibdpro.com

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

Insurance Specialties Services, Inc. 946 Town Center, New Britain, PA 18901 Phone: 215-918-0505 E-mail: mary.smith@issisvs.com Website: www.issisvs.com

Gray-Stone & Company, Inc.

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

275 E. Hillcrest Dr., Ste. 250 Thousand Oaks, CA 91360 Phone: 805-494-4440 ; Fax: 805-299-4985 E-mail: info@gray-stone.com Website: www.gray-stone.com Grayhawk General Agency, Inc. PO Box 2505, Gilbert, AZ 85299 Phone: 480-245-5991 E-mail: dan@ggagency.com Website: www.ggagency.com

Great American Insurance Group Executive Liability Division 1450 American Lane, 8th Fl, Schaumburg, IL 60173 Phone: 847-330-6750 ; Fax: 513-929-6890 E-mail: ELD@gaig.com Website: www.GreatAmericanELD.com

International Excess Companies 3700 Park East Dr., Ste. 250, Beachwood, OH 44122 Phone: 216-797-9700 ; Fax: 216-342-7442 E-mail: kennethkukral@intlxs.com Website: www.intlxs.com IPA Risk Management, LLC 340 W. Passaic St., Rochelle Park, NJ 07662 Phone: 201-797-1084 ; Fax: 201-797-1076 E-mail: g.heitmann@ipariskmanagement.com Website: www.ipariskmanagement.com Irwin Siegel Agency, Inc. 25 Lake Louise Marie Rd., Rock Hill, NY 12775 Phone: 800-622-8272 ; Fax: 845-796-3661 E-mail: siegel@siegelagency.com Website: www.siegelagency.com

62 | INSURANCE JOURNAL | NATIONAL SEPTEMBER 21, 2020

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

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

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

INSURANCEJOURNAL.COM

Professional Liability Directory - Alphabetical Directory of Markets Kevin Dahlke Insurance Brokerage, Inc. 15396 Broad Oaks Rd., El Cajon, CA 92021 Phone: 619-287-8613 ; Fax: 619-287-8921 E-mail: support@kdibinc.com Website: www.dahlkeinsurance.com

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

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

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

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

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

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

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

New Age Underwriters Agency, Inc. 1981 Marcus Ave., Ste. C108, Lake Success, NY 11042 Phone: 516-488-2500 ; Fax: 516-488-2508 E-mail: m.ascher@newageins.com Website: www.newageins.com

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

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

New England Excess Exchange, Ltd. 57 Parker Rd., Barre, VT 05641 Phone: 800-548-4301 ; Fax: 800-347-4935 E-mail: info@neee.com Website: www.neee.com NIF Pro 30 Park Ave., Manhasset, NY 11030 Phone: 516-365-7440 ; Fax: 516-365-7392 E-mail: marketing@nifgroup.com Website: www.nifgroup.com

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

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

MAXIMUM

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

Landy Insurance Agency

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

Leading national program manager for Real Estate Agents & Brokers, Appraisers and Accountants Professional Liability insurance programs with coverage provided by an A+ -rated carrier. We now offer admitted and affordable Cyber & Crime coverage options with broad coverage features. With new, lower premiums and expanded coverage in many programs, same great service. Lawyerâ&#x20AC;&#x2122;s Protector Plan 655 N. Franklin St., Ste. 1900, Tampa, FL 33602 Phone: 800-336-5529 ; Fax: 813-223-9547 E-mail: lpp@bbprograms.com Website: www.lppinsurance.com Lomax Solutions LLC. dba Lomax Insurance Solutions 51550 McKenzie Hwy., Blue River, OR 97413 Phone: 714-955-1560 E-mail: Bill@lomaxsolutions.com Website: www.lomaxsolutions.com M.J. Hall & Company, Inc. PO Box 192, Stockton, CA 95201 Phone: 209-948-8108 ; Fax: 209-465-3843 E-mail: mindy@mjhallandcompany.com Website: www.mjhallandcompany.com

INSURANCEJOURNAL.COM

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

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

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

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

OREP - Organization of Real Estate Professionals Insurance Services, LLC 6760 University Ave., Ste. 250, San Diego, CA 92115 Phone: 888-347-5273 E-mail: info@orep.org Website: www.orep.org

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

Osprey Underwriters 777 W. Putnam Ave., Greenwich, CT 06830 Phone: 203-489-3400 E-mail: quotes@osreyuw.com Website: www.osreyuw.com

N-Surance Outlets, Inc. PO Box 2600, Roswell, GA 30077 Phone: 800-366-1450 ; Fax: 770-971-7608 E-mail: jmurrey@nsoins.com Website: www.nsoins.com National Association of Professional Agents (NAPA) 8430 Enterprise Cir, Ste. 200, Lakewood Ranch, FL 34202 Phone: 800-593-7657 ; Fax: 800-411-4771 E-mail: info@napa-benefits.org Website: www.napa-benefits.org Negley Associates 389 Interpace Pkwy, 4th Fl, Parsippany, NJ 07054 Phone: 862-286-3550 ; Fax: 866-865-5655 E-mail: info@jjnegley.com Website: www.jjnegley.com

Patriot National Underwriters, Inc. PO Box 803143, Dallas, TX 75380 Phone: 972-239-1458 ; Fax: 972-233-3487 E-mail: corky.ellis@patriotnational.com Website: www.patriotnational.com Pro-Praxis Insurance (division of CRC) 32 Old Slip, 4th Fl, New York, NY 10005 Phone: 212-401-1561 E-mail: hplsubmissions@propraxisins.com Website: www.propraxisins.com

SEPTEMBER 21, 2020 INSURANCE JOURNAL | NATIONAL | 63

Professional Liability Directory - Alphabetical Directory of Markets ProSurance Group, Inc. 2685 Marine Way, Ste. 1408, Mountain View, CA 94043 Phone: 650-428-0818 ; Fax: 650-428-0860 E-mail: financialservices@prosurancegroup.com Website: www.prosurancegroup.com

RPS Executive Lines 550 W. Van Buren, Ste. 1200, Chicago, IL 60607 Phone: Phone: 312-803-6324 E-mail: executivelines@rpsins.com Website: www.rpsins.com/executivelines

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

ProWriters 41 Leopard Rd., Ste. 301, Paoli, PA 19301 Phone: 484-321-2335 ; Fax: 484-321-2339 E-mail: info@prowritersins.com Website: www.prowritersins.com

RPS Healthcare

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.

Psych Professional Liability, a div of Frenkel & Company 210 Hudson St., 6th Fl, Jersey City, NJ 07311 Phone: 201-356-0057 ; Fax: 201-356-0055 E-mail: khegel@frenkel.com Website: www.frenkel.com

Prime Insurance Company

Quadrant Insurance Managers 501 W. Schrock Rd., Ste. 301, Westerville, OH 43081 Phone: 614-841-1425 ; Fax: 614-841-1426 E-mail: productinfo@quadrant-us.com Website: www.quadrant-us.com

1 South Dearborn, Ste. 800, Chicago IL 60603 Phone: 800-257-5590 ; Fax: 877-452-6910 E-mail: RJL@primeis.com Website: www.primeis.com

Professional Governmental Underwriters

9020 Stony Point Pkwy, Ste. 455, Richmond, VA 23235 Phone: 800-586-6502 ; Fax: 804-272-7852 E-mail: ndaly@pgui.com Website: www.pgui.com Professional Insurance Concepts 389 Interpace Pkwy, 4th Fl, Parsippany, NJ 07054 Phone: 862-286-3470 ; Fax: 973-263-0747 E-mail: DGriffin@ProInsConcepts.com Website: www.ProInsConcepts.com Professional Liability Brokers & Consultants, Inc. 175 E. Hawthorn Pkwy, Ste. 310, Vernon Hills, IL 60061 Phone: 847-816-4480 ; Fax: 847-816-4484 E-mail: erv@plbc.com Website: www.plbc.com Professional Liability Ins. Svcs, Inc. Underwriting Facilities 5802 Thunderbird, Bldg 10, Ste. 100, Lago Vista, TX 78645 Phone: 800-761-7547 ; Fax: 512-327-5834 E-mail: underwriting@plisinc.com Website: www.plisinc.com Professional Program Insurance Brokerage 371 Bel Marin Keys Blvd., Novato, CA 94949 Phone: 415-475-4300 ; Fax: 415-475-4303 E-mail: info@ppibcorp.com Website: www.ppibcorp.com / www.medispa-inc.com / www.tattoo-ins.com Program Brokerage Corporation 1065 Avenue of the Americas/5 Bryant Park, 3rd Fl New York, NY 10018 Phone: 212-338-2924 E-mail: info@programbrokerage.com Website: www.programbrokerage.com ProLawyer Insurance, LLC PO Box 1657, Newtown, PA 18940-0920 Phone: 215-525-3293 ; Fax: 215-394-7010 E-mail: info@prolawyer.com Website: www.ProLawyer.com Promont Insurance Advisors 1 E. Wacker Dr., Ste. 1920, Chicago, IL 60601 Phone: 312-262-3300 ; Fax: 312-262-3301 E-mail: greg.morris@promontadvisors.com Website: www.promontadvisors.com

Quaker Special Risk, a JenCap Company See Website for Addresses Headquarters - Eatontown, NJ 07724 Phone: 800-447-4180 ; Fax: 732-223-9072 E-mail: creid@qsr-insurance.com Website: www.quakerspecialrisk.com Quirk & Company PO Box 792030, San Antonio, TX 78279 Phone: 800-299-9421 ; Fax: 210-340-4075 E-mail: lvazquez@quirkco.com Website: www.quirkco.com 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 Website: www.rechaixinsurance.com Risk Placement Services, Inc. - Bridgewater 1150 US Highway 22, 1st Fl, Bridgewater, NJ 08807 Phone: 908-685-7650 E-mail: Adrienne_woodhull@rpsins.com Website: www.rpsins.com RLI Insurance Company 9025 N. Lindbergh Dr., Peoria IL 61615 Phone: 309-692-1000 ; Fax: 309-692-1068 E-mail: inquiries@rlicorp.com Website: www.rlicorp.com RMIS 22860 Savi Ranch Pkwy, Yorba Linda, CA 92887 Phone: 714-738-1383 ; Fax: 714-921-1160 E-mail: quoteRMIS@RMISmga.com Website: www.RMISmga.com Rockwood Programs, Inc. 3001 Philadelphia Pike, Claymont, DE 19703 Phone: 800-558-8808 ; Fax: 302-764-5477 E-mail: sales@rockwoodinsurance.com Website: www.rockwoodinsurance.com Roush Insurance Services, Inc. 18077 River Rd., Ste. 107, Noblesville, IN 46062 Phone: 800-752-8402 ; Fax: 317-776-6891 E-mail: info@roushins.com Website: www.roushins.com

64 | INSURANCE JOURNAL | NATIONAL SEPTEMBER 21, 2020

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

RPS Healthcare specializes in medical professional liability insurance for all segments of the healthcare industry. We deliver quality insurance solutions at a competitive price for healthcare institutions.

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

RT Specialty 500 W. Monroe, 28th Fl, Chicago, IL 60661 Phone: 312-651-6000 ; Fax: 312-651-6096 E-mail: marketing@rtspecialty.com Website: www.rtspecialty.com Russell Bond & Co., Inc. 295 Main St., Ste. 866, Buffalo, NY 14203 Phone: 800-333-7226 ; Fax: 800-677-6779 E-mail: Thollederer@RussellBond.com Website: www.RussellBond.com SASSI - Salon & Spa Specialty Insurance 21 Maple Ave., Bay Shore, NY 11706 Phone: 888-823-9380 ; Fax: 631-666-7646 E-mail: info@brownyard.com Website: www.sassiagency.com Select Risk Services, Inc. 6575 West Loop South, Ste. 470, Bellaire, TX 77401 Phone: 713-589-2244 E-mail: kross@selectriskservices.com Website: www.selectriskservices.com Shelly, Middlebrooks & Oâ&#x20AC;&#x2122;Leary, Inc. PO Box 2909, Jacksonville, FL 32203-2909 Phone: 904-354-7711 ; Fax: 904-355-7611 E-mail: dc.oleary@shellyins.com Website: www.shellyins.com Sierra Specialty 234 Clovis Ave., Clovis, CA 93612 Toll-free: 844-874-3772 ; Phone: 559-256-6900 E-mail: BeckyTucker@SierraSpecialty.com Website: www.SierraSpecialty.com SIS Wholesale Insurance Services 1811 Aston Ave., Ste. 200, Carlsbad, CA 92008 Phone: 866-716-7242 ; Fax: 866-467-6701 E-mail: marketing@sisinsure.com Website: www.sisinsure.com Southern Insurance Underwriters, Inc. CMGA PO Box 105609, Atlanta, GA 30348 Phone: 678-498-4500 ; Fax: 678-498-4600 E-mail: marketing@siuins.com Website: www.siuins.com

INSURANCEJOURNAL.COM

Professional Liability Directory - Alphabetical Directory of Markets Special Risks Facilities, Inc. - a JenCap Company 38555 Mound Rd., Ste. 100, Sterling Heights, MI 48310 Phone: 586-795-8200; Fax: 586-979-1717 E-mail: lwoodruff@specialrisks.com Website: www.specialrisks.com

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

Specialty Insurance Managers, Inc. 8601 RR 2222, Bldg III, Ste. 100, Austin, TX 78730 Phone: 800-876-3278 ; Fax: 877-399-2720 E-mail: lburton@simtexas.com Website: www.simtexas.com Sports & Fitness Insurance Corporation PO Box 1967, Madison, MS 39110 Phone: 800-844-0536 ; Fax: 601-707-1045 E-mail: contactus@sportsfitness.com Website: www.sportsfitness.com Sun Coast General Insurance Agency PO Box 30750, Laguna Hills, CA 92654-0750 Phone: 949-768-1132 ; Fax: 949-768-0625 E-mail: KChamberlain@SunCoastInsurance.com Website: www.suncoastinsurance.com SWBC PO Box 791028, San Antonio, TX 78279 Phone: 210-525-1242 ; Fax: 210-525-0054 E-mail: jlarson@swbc.com Website: www.swbc.com Synergy Professional Associates, Inc. 100 Passaic Ave., Ste. 145, Fairfield, NJ 07004 Phone: 973-995-0500 ; Fax: 973-995-0501 E-mail: irad@synergy-ins.com Website: www.synergy-ins.com TAPCO Underwriters, Inc. 3060 S. Church St., Burlington, NC 27216 Phone: 800-334-5579 ; Fax: 336-584-8880 E-mail: KAllred@gotapco.com Website: www.GoTAPCO.com Target Professional Programs 1230 E. Diehl Rd., Ste. 350, Naperville, IL 60563 Phone: 331-333-8239 E-mail: SReidy@TargetProIns.com Website: www.TargetProIns.com

TDC Specialty Underwriters 29 Mill Street, Unionville, CT 06085 Phone: 888-277-3152 ; Fax: 855-667-4280 E-mail: submissions@tdcspecialty.com Website: www.tdcspecialty.com

Tejas American General Agency 1620 La Jaita Dr., Ste. 300, Cedar Park, TX 78613 Phone: 888-999-8242 ; Fax: 512-342-2803 E-mail: marketing@taga1.com Website: www.taga1.com The Hanover Insurance Group 440 Lincoln St., Worcester, MA 01653 Phone: 508-855-1000 Website: www.hanover.com The Mechanic Group, A Division of Specialty Programs Group LLC One Blue Hill Plaza, Ste. 530, Pearl River, NY 10965 Phone: 845-735-0700 ; Fax: 845-735-8383 E-mail: mkatz@mechanicgroup.com Website: www.mechanicgroup.com

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

Western Special Risks, Inc. - a JenCap 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 Website: www.specialrisks.com

Travelers

One Tower Square, Hartford, CT 06183 Phone: 800-328-2189 E-mail: LGENECKI@travelers.com Website: www.travelers.com/1stchoice U.S. Brokers Network, a Specialty Program Division of US Risk, LLC 1832 Woodmoor Dr., Ste. 101, Monument, CO 80132 Phone: Jan: 719-488-5502 | John: 201-744-0394 E-mail: submissions@usbrokersnetwork.com Website: www.usbrokersnetwork.com U S E & O Brokers a Division of U S Risk, LLC 2050 W. Sam Houston Pkwy, S., Ste. 1500, Houston, TX 77055 Phone: 800-460-6424 ; Fax: 713-984-1152 E-mail: angela@useo.com Website: www.useo.com U.S. Risk Insurance Group, LLC 8401 N. Central Expy, Ste. 1000, Dallas, TX 75225 Phone: 800-232-5830 ; Fax: 214-265-4976 E-mail: kellyK@usrisk.com Website: www.usrisk.com

Western Surplus Lines Agency, Inc. P.O Box 6609, Abilene, TX 79608 Phone: 800-592-4408 ; Fax: 325-695-0371 E-mail: fpeck@westernsurplus.com Website: www.westernsurplus.com Western World Insurance Group 400 Parsonâ&#x20AC;&#x2122;s Pond Dr., Franklin Lakes, NJ 07417 Phone: 201-847-8600 ; Fax: 201-847-1010 E-mail: marketing@westernworld.com Website: www.westernworld.com Woodlands Insurance Services, LLC PO Box 8369, The Woodlands, TX 77387 Phone: 281-367-5010 ; Fax: 281-367-5013 E-mail: drewk@woodlandsinsurance.com Website: www.woodlandsinsurance.com Worldwide Facilities, LLC See Website for Addresses Headquarters - Los Angeles, CA 90017 Phone: 213-236-4500 ; Fax: 213-244-9655 E-mail: info@wwfi.com Website: www.wwfi.com

United Educators 7700 Wisconsin Ave., Ste. 500, Bethesda, MD 20814 Phone: 301-907-4908 E-mail: ejones@ue.org Website: www.ue.org USASIA Insurance Services 319 Union Ave., Pomona, CA 91768 Phone: 909-618-0288 ; Fax: 909-618-0289 E-mail: shirley@usasia-ins.com Website: www.usasia-ins.com USG Insurance Services, Inc. 1000 Town Center Wy, Ste. 300, Canonsburg, PA 15317 Phone: 724-754-9007 ; Fax: 724-265-5751 E-mail: jkessel@usgins.com Website: www.usgins.com

Victor Insurance Managers Inc. 770 Wisconsin Ave., Ste. 400, Chevy Chase, MD 20815 Phone: 301-961-9800 ; Fax: 301-951-5444 E-mail: info.us@victorinsurance.com Website: www.victorinsuranceus.com W. Brown & Associates Insurance Services 19000 MacArthur Blvd., Ste. 600, Irvine, CA 92612 Phone: 949-851-2060 ; Fax: 949-428-1298 E-mail: kkrebs@wbrownpc.com Website: www.wbais.com

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

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SEPTEMBER 21, 2020 INSURANCE JOURNAL | NATIONAL | 65

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Thanks to Karlee for the kind words and thank YOU for reading. Our journalists take pride in serving the industry. If this publication is valuable to you, please consider upgrading your subscription at www.insurancejournal.com/pro

My New Markets Commercial Crime

Market Detail: Axis Insurance Service, LLC

(www.axisins.com) provides Commercial Crime insurance to all types of businesses to protect against the risk of theft of their money and securities. A typical crime policy is comprised of several coverage parts, providing you with options of which coverages to purchase depending on your profession, industry niche, and the exposures you face: Employee theft; burglary/robbery; forgery & alteration; wire transfer fraud; counterfeit money; social engineering; cyber theft; telephone fraud; ERISA/employee dishonesty; assets/ monies in transit; theft of client’s property of securities. It’s important to note that commercial bank accounts are not afforded the same protections under the FDIC as personal accounts. Any business with a bank account is vulnerable to wire transfer, ACH fraud, or forgery and alterations risk, making crime insurance a must-have policy as part of a comprehensive risk management program. Available limits: As needed Carrier: Unable to disclose, admitted and non-admitted States: All states Contact: Mike Smith at 201-847-9175 or e-mail: msmith@axisins.com

Workers' Compensation for Middle Market

Market Detail: Foresight Commercial Insurance (www.getforesight.com) targets hard-to-place risks with a technology-based workers' compensation program. Foresight focuses on improved safety and lower rates through increased safety engagement. Using instant pricing indications, a digital submission process, and easy claims management and reporting, Foresight provides value for brokers and their more complex clients. Target classes include: Construction, light industrial, manufacturing, agriculture, and logistics. Foresight is now appointing a select group of founding broker partners specializing in middle market business in Texas, Arizona, New Mexico, California, Louisiana, Arkansas, Nevada, and Oklahoma. Available limits: Minimum $25,000 Carrier: Foresight Commercial Insurance INSURANCEJOURNAL.COM

States: Ariz., Ark., Calif., La., Nev., N.M., Okla., and Texas Contact: Christine Garza at 800-9653012 or e-mail: christine@getforsight. com

Community Services Insurance Program (CSIP)

Market Detail: Community Services Insurance Program (CSIP) (www. csipins.com) is an insurance program available to not-for-profit and social service organizations. CSIP provides specialized insurance coverages specifically designed for social services operations while providing meaningful cost savings. CSIP offers specialized claims and loss control services, premium savings, and budget stability. CSIP provides workers' compensation, liability, property, cyber, auto, inland marine, crime and umbrella coverage for lines of business that include: Community services; counseling and treatment centers; food & nutrition services; residential facilities & shelters; sports & recreation; education; arts & culture; associations & clubs; and allied health. The program is written on an admitted and non-admitted basis through carriers rated “A” or better by A.M. Best Company. Available limits: As needed Carrier: Benchmark Insurance States: Fla., Ga., and Texas Contact: Justin Wiley at 321-319-7584 or e-mail: justin.wiley@ballator.com

Travel Agent, Agency & Tour Operator E&O Insurance

Market Detail: 360 Coverage Pros (www.360coveragepros.com) offers a fast and affordable way to secure E&O for travel professionals. Coverage starts at $29.33 a month; applicants can apply online in minutes. Coverage available through an “A” rated carrier. Instant proof of E&O insurance and automatic renewals available. Available limits: As needed Carrier: Lloyd’s of London States: All states Contact: Joseph Matthews at 877-524-0265 or e-mail: admin@360coveragepros.com

Amazon Parcel Delivery

Market Detail: Plimsoll Specialty Markets LLC (www.plimsollspecialty. com) is a wholesale broker with access to competitive markets in this space, which is experiencing unprecedented growth. Available limits: As needed Carrier: Unable to disclose States: All states Contact: Michael Clark at 770-298-2806 or e-mail: mclark@plimsollspecialty.com

Contractor’s Tools & Equipment

Market Detail: Norman-Spencer Agency, LLC (www.norman-spencer.com) for tools & equipment includes: $1,000 minimum premium; quick quote turnaround; installation floater available; riggers liability available; new ventures acceptable. Target classes include: Excavation contractors; steel erectors; utility contractors; street & road contractors; and all other artisan contractors. Available limits: Minimum $1,000 Carrier: Unable to disclose, admitted and non-admitted available States: All states Contact: Greg Rose at 937-432-1637 or e-mail: gregrose@norman-spencer.com

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Need a Market? Find It. FAST SEPTEMBER 21, 2020 INSURANCE JOURNAL | 67

Idea Exchange: Agency Management

Questions to Ask Before Starting an Independent Agency

n the most recent Closing Quote in Insurance Journal, I wrote about why I believe this is the best time in history for entrepreneurial agents to create a new independent insurance agency. My reasons include lower costs, the increased need for insurance companies to appoint By Tony Caldwell new agencies, newly adopted technologies like Zoom that are expanding agency’s geographical boundaries and the current economic situation, which is putting unprecedented amounts of business on the streets. The last decade has seen more new independent insurance agencies created than any other time in history, and those start-ups will continue to grow. Some estimate that newly created agencies represent as much as 20% to 25% of all independent insurance agencies now in business. In this article, I’d like to explore some of the questions that agents ought to ask themselves when considering whether they should be an agency founder. To begin with, I believe the most useful ques68 | INSURANCE JOURNAL | SEPTEMBER 21, 2020

tion is why you would want to take the risk and commit to the hard work of starting an agency from scratch when you’re already making a good living, perhaps have equity in your book of business and might potentially have the opportunity to buy the agency you already work for?

Accepting the Risks

It is important to recognize that starting a business entails risk. You might fail. And even if you do not, it’s possible that the investment required will be greater than you imagine or that the returns of ownership are less. When I started in the agency business, seven years before my partners, I took any profit out of the business. During those years, I paid taxes on the profits that we did make out of commissions. Your experience will likely be better than mine, but recognizing and accepting the risks based on a gimlet-eyed analysis is more useful than wishful thinking. The risks include whether you will be able to attract the insurance companies you need, whether your marketing and sales plans will work well enough to generate the income you need, and whether your savings will last long enough to carry you to success. In addition to

those risks, you need to ask yourself other questions, such as whether you will be able to become a skilled manager of people in order to grow the business and whether you can manage books of business effectively. Founders need to recognize that while they may have many strengths to contribute to their new enterprise, they will have much to learn. If you’ve never run a business before, you’ll not only have to learn in real-time, but you’ll likely have to pay for that education with some costly mistakes. This isn’t unsurmountable by any means, but it is a risk that should be acknowledged, and your business plan should be built to mitigate. Many of the risks faced by successful entrepreneurs are above and beyond the normal risks of just being in business. You will not have all of the capabilities you need to be successful at the start. You will lack many things. The challenge is daunting, and it requires courage to overcome.

Courage and Commitment

Many people have the dream of owning their own business but have not been able to garner the courage to start. The starting point of courage is commitment. INSURANCEJOURNAL.COM

Many people make light of commitment or don’t really understand what it means. Commitment means to “decide” upon a course of action, and the word “decide” comes from the same Latin root as homicide, fratricide and so forth. Deciding is literally to kill the options. It means to “burn the boats.” In 1519, Fernando Cortez, determined to conquer the Aztecs, literally burned the 11 ships he and his men had arrived in so they had no option but to succeed in their quest. This rather dramatic example is the kind of commitment that leads to success as a business founder. So the next question to ask yourself is: Do you have that kind of commitment? Commitment is scary and takes courage, but it is strengthened by having a clear sense of why you want to (or must) start your own agency. What are you trying to accomplish? Is it personal or business freedom? Or is creating a new and better way to build an agency driving your desire? Perhaps you want to improve the quality of people you work with every day or maybe you just want to create unlimited financial opportunity for yourself and your family. Whatever your reasons for starting your own agency, they must be explored, acknowledged and factored into your decision making or you will be taking the biggest business risk of all — not having Cortez-like commitment.

Support and Strengths

Another question founders should ask themselves is whether they have an adequate support system to make the effort. As a founder, you will work longer hours to become successful than you ever have before. Perhaps you will miss family events. Maybe vacations will become a distant memory for a few years. It’s possible that the stresses of developing a new business will impact personal relationships. So ask: Are the people in your life, including friends, family and work colleagues, committed to helping you not only start but persevere? Do you have enough capital to see you and the business through to the point of adequate cash flow that supports the business and you? Having worked with INSURANCEJOURNAL.COM

hundreds of agency founders, my experience is that most don’t think this question through as carefully and clearly as they should. Not doing so isn’t necessarily fatal, but it can result in broken plans, slower growth, limited opportunity and certainly unnecessary stress. Independent agencies are low capital businesses in general terms, but they do take money to start. Finally, ask: What are your unique strengths that your business should be founded on? Having a very clear idea about this will be of enormous value if you stay focused here. For example, I’ve seen wildly successful agencies started by gifted salespeople who never hired another producer but backfilled their agency with a strong support team. I’ve also seen gifted salespeople fail because they allowed themselves to be hopelessly distracted with service and administrative tasks while wasting time and resources hiring “producers” who couldn’t produce. Whatever your strengths are, making them the core of your business with plans to supplement in other areas will help guarantee your success. In my book, UnCaptive Agent, I describe all of these questions as a “gut check for founders.” My experience is that entrepreneurs are driven and will start their own agency. They cannot be stopped. They will find a way over, around or through every

September 21, 2020 Chiron Insurance Company 808 Hwy 18 W Algona, IA 50511 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. 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 021186200, Attn: Financial Surveillance and Company Licensing within 14 days of the date of this notice.

obstacle in their paths. But well-considered answers to these questions will help you deal with the obstacles cheaper, faster, better and more successfully. Caldwell is an author, speaker and mentor who has helped independent agents create over 250 independent insurance agencies. Website: www.tonycaldwell.net. Email: tonyc@oneagentsalliance.net.

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SEPTEMBER 21, 2020 INSURANCE JOURNAL | 69

Closing Quote Break Your Marketing Paralysis

By Peter van Aartrijk

‘Now might be an excellent time for you to take a new look at your brand strategy…’

nsurance organizations have had three reactions to the pandemic with their marketing communications programs. In my book, only one of them is acceptable. One reaction is comprehensive corporate paralysis. I can imagine the narrative on the April 1 video conference: “We don’t know how bad this is going to get, so let’s just coast along. Don’t pitch anything new. And watch your budgets.” Sorry. Not a smart strategy. A second reaction is worse, where the organization actually is going backwards. The July 15 call: “We already lost five months of 2020 – at this point, what does it matter if we hunker down for the rest of the year? Don’t spend money. Focus on the bare minimum. We’re certainly not launching new initiatives. Let’s reassess in December.” That sounds awful. If I worked there, I’d be on the hunt for a new job. The third reaction is brilliant. These organizations are doing the opposite of what you might think. They’re creating, reinventing, moving forward, communicating and having fun. Here are some examples.

Messaging Refresh

Now might be an excellent time for you to take a new look at your brand strategy — especially if it’s been a while since you examined the words in your mission, vision, core values, narrative, evidence, persona, unique market

positioning, target audience and brand essence. The pandemic might have caused some of your messaging to become obsolete. Or, pandemic aside, it’s just been a while and you’re not sure how pervasive the messaging is being used in the organization and the marketplace.

Employees

Find new ways beyond big Zoom calls to reach out to people. Individual thank-you emails for a job well done. Small group calls. One-on-one calls. Now is a great time to use your core values as a discussion point. And if your associates aren’t enthusiastically embracing the values, it’s time for an overhaul. You can’t expect your associates to take care of your business partners and customers if they aren’t feeling settled. I discussed Thimble’s core values with founder Jay Bregman, and when you see their list of values, it is so New York City. They might be perfect for workers there; they might not be authentic for your firm. But that’s the point.

Business Partners

Put your arms around your valuable stakeholders. Launch a video blog or a podcast. Since you likely won’t see people face-to-face at conventions this year, leverage the insurance trade media, bloggers, association sponsorship opportunities, and other centers of influence to keep your original content in front of your audience. A super regional insurance carrier that recently rebranded, doubled

down on insurance industry PR starting in April.

Experimentation

Take your unused travel budget and try something new. Practice “successful failure,” where you learn important lessons from something that didn’t go quite as planned. What about a new product, new partnership or new customer onboarding process? One firm launched a comprehensive thought-leadership program in the surety tech space, where nobody else apparently is doing anything. A carrier launched a webcast series to share marketing and sales ideas with independent agents.

Website Refresh

What’s a better time than now to address the customer experience on your most important office: the website? For some organizations, it never gets done because “we’re too busy.” Well, how about now? We know your team isn’t traveling to conventions. Ask some questions: Does the site follow your brand strategy? Is the content relevant to your customers? How do you know? One agency is updating the website as it takes on its first agency acquisition — again, the opposite of what you’d think during these times. Accept that this pandemic will end. Don’t wallow. Put your foot on the gas. You will see greater post-pandemic success if you act now. van Aartrijk is managing director of insurance marketing firm Aartrijk. Email: peter@Aartrijk.com.

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