Insurance Journal West 2022-09-19

Idea Exchange

The Competitive Advantage: Can a Firm’s Culture by a Salesperson Be Grown Into a Business Culture? Covered?: The Quote: To Maximize Performance, Motivate the Report Spotlight: 4 Issues Facing Contractors That Agents Must Know

Special Report: Agency Networks: Thriving Now and in the Future

Special Report: Top 20 Agency Partnerships Professional Liability Directory

Opening

Write the awells@insurancejournal.com

Hot Wheels: 5 States Top the List for Stolen Cars Colorado

led the nation in 2021 with the highest overall vehicle theft rate but California once again held the top spot for the number of cars stolen overall.

That’s according to the National Insurance Crime Bureau’s Hot Spots Report which found that vehicle thefts continue to skyrocket in many areas across the U.S.

Colorado’s rate came in at 661.21 thefts per 100,000 people, up from 502.12 in 2020, an increase of 32%.

California led the other states with the highest number of vehicle thefts by volume once again in 2021 with 200,524 vehicles stolen, over 100,000 more thefts than second place Texas.

“For many of us, cars are essential to our livelihoods and the welfare of our families,” said NICB President and CEO David Glawe. “NICB, along with our partners in law enforcement, are proactively working to prevent and deter vehicle theft, but vehicle owners can take simple steps to empower themselves. No matter who you are or where you live, theft prevention starts with good security hygiene. Lock your doors and keep your keys with you at all times.”

The top five states with the most thefts by volume include Illinois, Florida, Colorado, California and Texas. In total, those five states account for 412,008 vehicle thefts, or 44% of all vehicle thefts nationwide. Of these states, only Florida saw a slight decrease in vehicle thefts with 42,808, down from 44,940 in 2020.

In addition to having the most overall thefts by volume, California was also home to high est theft rate by Metropolitan Statistical Area (MSA) and Core-Based Statistical Area (CBSA). The highest theft rate in the United States was in Bakersfield, California, where its CBSA yielded 1,024 thefts per 100,000 people. With a rate of 964.92 thefts per 100,000 people, the Denver-Aurora-Lakewood, Colorado, CBSA was second overall in theft rate.

Some good news — not all states experienced an increase in thefts in 2021. Since the release of the 2020 Hot Spots report, 22 states have seen decreases in vehicle thefts.

The Hot Spots report examines vehicle theft data obtained from the National Crime Information Center for each of the nation’s metropolitan statistical areas. For more informa tion on this year’s report, visit: www.nicb.org.

Chairman of the Board 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

V.P. of Content Andrea Wells | awells@insurancejournal.com

National Editor Chad Hemenway | chemenway@insurancejournal.com

Southeast Editor William Rabb | wrabb@insurancejournal.com

South Central Editor/Midwest Editor Ezra Amacher | eamacher@insurancejournal.com

West Editor Don Jergler | djergler@insurancejournal.com

International Editor L.S. Howard | lhoward@insurancejournal.com

Assistant Editor Jahna Jacobson | jjacobson@insurancejournal.com

Columnists & Contributors

Contributors: Alan Ferguson, Robin Williams Columnists: Chris Burand, Bill Wilson

SALES / MARKETING

Chief Marketing Officer Julie Tinney | jtinney@insurancejournal.com

West Sales Dena Kaplan | dkaplan@insurancejournal.com

Romeo Valdez | rvaldez@insurancejournal.com

Kelly DeLaMora | kdelamora@wellsmedia.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

Advertising Coordinator Erin Burns | eburns@insurancejournal.com

Insurance Markets Manager Kristine Honey | khoney@insurancejournal.com

Sr. Sales & Marketing Coordinator Laura Roy | lroy@insurancejournal.com

Marketing Administrator

Alberto Vazquez | avazquez@insurancejournal.com

Marketing Director Derence Walk | dwalk@insurancejournal.com

DESIGN / WEB / VIDEO

V.P. of Design Guy Boccia | gboccia@insurancejournal.com

Web Team Lead Josh Whitlow | jwhitlow@insurancejournal.com

Ad Ops Specialist Jeff Cardrant | jcardrant@insurancejournal.com

Web Developer Terrance Woest | twoest@wellsmedia.com

Web Developer Jason Chipp | jchipp@wellsmedia.com

V.P. of New Media

Bobbie Dodge | bdodge@insurancejournal.com

Videographer/Editor

Ashley Waldrop | awaldrop@insurancejournal.com

ACADEMY OF INSURANCE

Director Patrick Wraight | pwraight@ijacademy.com

Online Training Coordinator George Jack | gjack@ijacademy.com

Andrea Wells Editor-in-Chief

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‘The top five states with the most thefts by volume include Illinois, Florida, Colorado, California and Texas.’

National Scope/Local Support

The membership benefits of our national organization are delivered at the local level by partners who know your market and community. It’s an approach we have created and cultivated over a 27-year period, resulting in success built on…

Evolving

In order to grow and thrive, any system, business, or insurance agency must adjust to new technologies, processes, regulations, and more. SIAA is dedicated to helping our member agencies evolve (we must also evolve as an organization) as the industry and marketplace transform over time.

Digital/Technology

Part of the evolutionary process in today’s business world includes adopting and utilizing digital tools as well as accepting technology enhancements across the spectrum. SIAA helps members identify the right digital tools in order to enhance their marketing, advisory role, service and operational efficiencies.

Relationships/People

SIAA’s 27 years of experience confirms that success is predicated on relationships and people. Clients, agents, and carrier representatives are all critical to succeeding in this industry. We continue to build on existing relationships and develop new ones.

Success

SIAA’s number one goal is the success our member agencies. Everyday, we focus on providing services that help our member agencies write, service, and retain policies and clients.

Data & Information

In today’s world, guidance, planning and ultimately, success, largely come from the capture and use of data. SIAA is dedicated to securing and sharing meaningful data that can be used as a tool by our member agencies in achieving greater success.

Opportunity/Distribution

SIAA provides the opportunity for our member agencies to write business with highly competitive and respected insurance companies. SIAA’s partner companies understand that our alliance serves as a critical insurance distribution channel – evidenced by our collective $11 Billion in written premium - thereby contributing to their ongoing success as well.

To learn how SIAA can help you achieve greater success by increasing your agency income and value, contact us today.

info@siaa.com | siaa.com

Man-Made Crises Threaten P/C Markets, Says Joint Report From Trade Associations

By Chad Hemenway

Severalinsurance industry trade asso ciations used the 30th anniversary of Hurricane Andrew — a storm that upended and transformed insurance and the manner in which communities prepare for natural disasters — to broadcast their conclusion that man-made threats are today the “root causes of most market instability.”

A paper, It’s Not Just the Weather: The Man-Made Crises Roiling Property Insurance Markets, jointly published by the American Property Casualty Insurance Association (APCIA), the Reinsurance Association of America (RAA), the Association of Bermuda Insurers and Reinsurers (ABIR), and former Insurance Information Institute president and economist Robert Hartwig, said costs to insurers from legal-system abuse, claims fraud, and regulatory inter reference have created volatile market conditions.

“These unmodeled and largely uncontained risks are in some cases sol vency-threatening, obligating insurers to take drastic steps to protect and conserve capital, with predictably adverse conse quences on price, coverage availability, and competition,” according to the paper, which singled out Florida, Louisiana and California for “having failed to learn from their past mistakes” by enacting legislation and regulation that hinder insurance markets.

The paper details the crises in each state.

The authors conclude that legal-system abuse is rampant across the country but is particularly evident in catastrophe-prone states. Claims involving litigation are “increasing at previously unseen rates.”

The average personal-injury verdict was $125,366 in 2020, up nearly 320% from $39,300 in 2010. Billion-dollar verdicts are becoming more common. Furthermore, the median cost of a single-fatality claim has increased over 240% in the last 17 years, according to data within the paper.

In addition, fraudulent property insur ance claims represents a growing amount of insurance fraud in the U.S., resulting in additional premiums for families. The Coalition Against Insurance Fraud estimates fraud occurs in about 10% of P/C insurance losses.

Meanwhile, state regulators and legis lators “too often fail to recognize the real underlying issues, and their actions often unintentionally exacerbate the symptoms and throw markets into further chaos,” the groups said. “To fix broken property insurance markets, insurers have urged state lawmakers and regulators to focus on addressing the underlying issues roiling those markets. Legal system reform, antifraud measures, and promoting regulatory stability and mitigation to help reduce future losses are imperative to restoring market health in catastrophe-prone markets.”

The associations said they included within the report recommendations to form an action plan.

9,273 Figures

The number of reported incidents involving aiming of lasers at U.S. airplanes in 2021, a 42% rise over the previous year, according to the Government Accountability Office, which said the Federal Aviation Administration (FAA) should strengthen its efforts to address the practice. Intentionally aiming lasers at aircraft poses a safety threat to pilots and violates federal law. The FAA can issue fines of up to $11,000 per violation and $30,800 for multiple laser incidents. The agency said it issued $120,000 in fines for laser strikes in 2021.

The amount an Ohio contractor with a long history of federal workplace safety violations must pay in addition to $108,318 in unpaid penalties with the U.S. Occupational Safety and Health Administration (OSHA). Dundee-based Benny Troyer Roofing and Trail Roofing LLC was again found to have exposed workers to potential deadly fall haz ards, this time at an Akron job site. OSHA said inspectors observed two employees working at heights of up to 20 feet without adequate fall protection. Inspectors also found the employer allowed workers to use ladders improperly and failed to enforce the use of head, face and eye protection.

Declarations

$480,000

That’s how much Southern California’s Orange County has agreed to pay to an inmate who was pregnant but suffered a miscarriage after sheriff’s deputies stopped at a Starbucks while driving her to a hospital.

Forever Chemicals

“Communities have suffered far too long from exposure to these forever chemicals.

… Under this proposed rule, EPA will both help protect communities from PFAS pollution and seek to hold polluters accountable for their actions.”

— Michael Regan, head of the U.S. Environmental Protection Agency, said regarding the Biden admin istration’s plan said to designate certain per- and polyfluoroalkyl substances (PFAS), or “forever chem icals,” as hazardous substances under the nation’s Superfund program, in a bid to spark cleanup of countless sites that have been found contaminated by the toxic industrial compounds. PFAS chemicals — widely used to make household products from nonstick cookware to food packaging — have in recent years been found in dangerous concentrations in drinking water, soils and foods across the country.

Ghost Car Battles

“Ghost cars are by design unsafe and untraceable, so in addition to finding and towing them, we’re going to stop them from appearing in the first place. Amazon has been a willing partner in the battle for street safety and we thank them for working with us to keep New York City streets safe. We expect all e-commerce platforms and other sellers to follow their lead, comply with the law, and keep these products out of New York.”

— New York City Mayor Eric Adams said of a collab oration with Amazon, which promised to proactively restrict the sale of smokescreen license plate covers and tinted license plate covers to customers with a New York state address. It also will automatically display notices that these products cannot be shipped to New York locations. The arrangement is part of a crackdown on so-called ghost vehicles that use camera blockers to cover license plates.

That One Bites

“Rather than addressing an employee’s concerns about the safety and health of their workplace, the Killeen Daily Herald terminated their reporter who sought to prevent workplace exposure to unknown diseases carried by the insects.”

— Eric S. Harbin, OSHA Regional Administrator in Dallas, said of an investigation that found a Texas newspaper fired a reporter when they complained to management that they believed fleas had infested their workplace, leaving them with bug bites. Following an investigation, the U.S. Department of Labor sued the Killeen Daily Herald for violating fed eral laws protecting workers who report workplace safety and health issues. OSHA determined that in May and June 2021, the reporter sent messages to company management complaining about the infestation — and the bug bites. After sharing this additional information with management, the reporter was fired.

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Record-High Direct Premiums Written for the U.S. Surplus Lines Segment in 2021

TotalU.S. surplus lines direct premiums written (DPW) reached a record $82.6 billion in 2021, with momentum continuing through mid-year 2022, according to a new AM Best report. In the first six months of 2022, premiums topped $31 billion, and premium bearing transactions pushed 2.8 million. Premiums in the E&S sector rose 32.4% and transac tions were up 9.4% over numbers reported through the same period in 2021, according to the 2022 Midyear Report of the U.S. Surplus Lines Service and Stamping Offices released in July.

The Best’s Market Segment Report, titled, “Record-High Direct Premiums Written for the U.S. Surplus Lines Segment in 2021,” states that the U.S. surplus lines companies reported improved underwrit ing and operating results, and notched their largest year-over-year premium growth since 2003.

In 2021, the surplus lines market grew by nearly 25%, including U.S. domestic surplus lines insurers, the (90) Lloyd’s syn dicates writing U.S. surplus lines business, and through regulated non-Lloyd’s alien insurers, David Blades, associate director at AM Best, told Insurance Journal.

“The 2021 surplus lines direct premiums written total we aggregated was $82.653 billion, compared to $66.102 billion in 2020,” Blades said. The key drivers of that growth were the companies identified in the report as “Domestic Professional”

surplus lines writers, or those insurers that write more than 50% of their total DPW on a nonadmitted or surplus lines basis.

“The Domestic Professionals wrote $61.2 billion in 2021, up from $46.9 billion, a 30% increase,” Blades said.

In terms of admitted versus non-ad mitted, or surplus lines, the surplus lines market comprised 10.1% of the total U.S. property/casualty insurance market (in terms of DPW), in 2021, the highest percentage yet, Blades added.

The surplus lines insurers’ market share of total P/C DPW has more than doubled over the last 20 years, to 10.1% at the end of 2021, up from 4.3% in 2001. The surplus lines insurers’ share of the commercial lines’ DPW grew to 20.4% at the end of 2021, from 8.3% at the end of 2001.

The report notes that in the first quarter of 2020 through mid-2022, U.S. property/ casualty (P/C) companies and their distri bution partners have dealt with myriad challenges, including the wide-ranging effects of a pandemic, a supply chain crisis and rising inflation, while withstanding above average losses from natural catastro phes and substantial investment market volatility. As a result, loss costs continue to rise and price adequacy remains a serious concern for several lines of coverage.

Despite these challenges, the P/C indus try has been able to limit underwriting losses and generate surplus growth. AM Best expects surplus lines insurers will

continue to benefit from underwriting results, organic capital generation and intelligent management of balance sheet factors, as they have throughout the pandemic. Volatility in the investment markets, however, could constrain overall operating earnings.

U.S. P/C Records $6.3 Billion First-Half Underwriting Loss: AM Best Growth

in net premiums and a decline in policyholder dividends were eclipsed by losses and expenses to result in a $6.3 billion net underwriting loss for the U.S. property/casualty industry at the half-way mark of 2022.

According to a special report from AM Best, the underwriting losses booked by the U.S. industry during the first half 2022 was down $11.4 billion from the same time period in 2021.

“The personal lines segment, specifically the auto lines of business, were responsible for the decline in underwriting results,” AM Best said. U.S. P/C industry net income at June 30 was $31.4 billion, down 17.7% compared with the first six months of 2021.

The combined ratio worsened to 100 compared with 97 a year ago. Excluding favorable reserve development during the first six months, the accident-year combined ratio was 101.9.

According to AM Best, the industry saw a 9.3% growth in net premiums earned to $359.2 billion and decreased policyholder dividends by 27.7%. However, losses and loss adjustment expenses increased 15.8% to $264.5 billion and underwriting expenses went up over 7% to $99.3 billion.

Business Moves

East

Hilb, Cook & Co.

Insurance broker The Hilb Group reports it acquired Massachusetts-based Cook & Company Insurance Services in Hanover. Cook & Co. offers health plan consulting and brokerage services to employers in New England, including a specialized focus on medical stop-loss and serving municipalities.

Agency Principal Sue Shillue and her team will join Hilb Group’s New England regional operations.

The Hilb Group, headquartered in Richmond, Virginia, is a portfolio company of The Carlyle Group, a global investment firm.

World Insurance, Tarpey, Rush-Kent

World Insurance Associates has acquired two Massachusetts agencies: Tarpey Insurance Group of Wakefield, and RushKent Insurance Agency Inc. of Arlington.

Tarpey is a family owned and operated insurance agency. The main office is located in Wakefield with branch offices in Newton, Saugus, Lexington and Melrose.

In 1925 J. Quinton Rush established the J.Q. Rush Real Estate and Insurance office in Arlington, specializing in real estate sales as well as insurance. Charles R. Kent acquired the agency from J.Q. Rush in 1969, changing the name to Rush-Kent Insurance Agency. The current principals, Paul W. Kent and Robert C. Kent, have been with the agency since 1984.

World Insurance Associates is headquar tered in Iselin, New Jersey.

Hub, Winter Harbor Insurance Group Global insurance broker Hub International acquired the assets of Winter Harbor Insurance Group. Located in Woburn, Massachusetts, Winter Harbor Insurance Group is an independent insurance agency providing commercial and personal insurance.

Jimmy Aiken, president of Winter Harbor, will join Hub New England.

Hub International is headquartered in Chicago.

Midwest

BenefitMatt, Mutual Med BenefitMall, a provider of next-gener ation broker services, acquired Mutual Med, a Davenport, Iowa-based insurance distributor providing sales counseling and support for benefits agents serving large groups, small groups and individuals.

The addition of Mutual Med to the BenefitMall footprint strengthens the company’s presence in the Midwest.

Mutual Med will operate as a division of BenefitMall, continuing under its current name and leadership. In addition to serving current BenefitMall markets of Georgia and Texas, the acquisition adds Alabama, Illinois, Iowa, North Carolina, North Dakota, South Carolina, South Dakota and Tennessee to BenefitMall’s service territory.

Hightstreet, Paragon Underwriters

Highstreet Insurance Partners has acquired Michigan-based Paragon Underwriters, a program manager that

focuses exclusively on attorneys and law firms.

Highstreet has now completed 125 transactions since forming the company in mid-2018. Paragon Underwriters is the 29th transaction of 2022.

PCF Insurance Services, Wilber-Price Insurance Group

PCF Insurance Services has acquired Wilber-Price Insurance Group, a full-service independent insurance agency offering commercial and personal lines solutions, as well as specialty products, for home, auto, crop, life, business, and more in the southern Ohio region.

To date in 2022, PCF Insurance has completed or has under the letter of intent 104 acquisitions.

South Central

Arthur J. Gallagher & Co., Watkins Insurance & Benefits

Arthur J. Gallagher & Co. acquired Alexandria, Louisiana-based Watkins Insurance & Benefits LLC, dba Watkins Group — Insurance & Benefits Specialists

Founded in 2008, Watkins Group offers employee benefit solutions for corpora tions of all sizes, as well as individual and Medicare coverage, to its clients through out Central Louisiana. Wesley Watkins and his associates will remain in their current location under the direction of Robby White, South Central region leader for Gallagher’s employee benefits consulting and brokerage operations.

Southeast

PCF, Apple Insurance and Financial Services

PCF Insurance Services, a brokerage headquartered in Lehi, Utah, has acquired Florida-based insurance broker Apple Insurance and Financial Services.

Apple Insurance is an individual health and Medicare insurance agency based in Ft. Lauderdale, Florida, offering access to Florida Blue.

PCF provides commercial and personal insurance products, as well as employee benefits programs.

Spotlight: Small Trade Contractors

4 Issues Facing Contractors That Agents Must Know

navigate through them:

Shortage, Higher Costs of Materials

By Alan Ferguson

Despite the plethora of construction work currently available thanks to state and federal infrastruc ture invest ments and the pent-up demand for new housing it’s a challenging time for contractors.

Several factors beyond con tractors’ control are negatively impacting the construction industry and increasing expo sures, particularly for smaller trade contractors. Insurance rates are also rising at the same time, making the cost of doing business more expensive.

Here are four of the biggest issues facing contractors that agents should be aware of and how they can help their clients

The worldwide shutdown caused by the COVID-19 pan demic brought the production of construction materials like steel, lumber and appliances to a screeching halt, which has seriously disrupted global supply chains over the last 18 to 24 months.

More than 90% of builders reported some type of material shortage last year, which was the most widespread shortage since the National Association of Home Builders (NAHB) began tracking shortages in the 1990s.

Contractors are paying higher costs for construction materials and experiencing significant project delays.

Construction input prices in July 2022 were up 17.4% over the same month in 2021,

according to the Associated Builders and Contractors (ABC). Being unable to find the right or affordable materials is tough on smaller trade contractors who are already struggling to make a profit. However, there are hopeful signs that supply chain issues are easing, with prices dipping 1.8% in July compared with June 2022.

Finding and Retaining Skilled Labor

The pandemic also led to a huge exodus of skilled labor from the construction industry, and many of those who left the workforce are still reluctant to come back. ABC said in February that an estimated 1.2 million construction workers would leave their jobs to work in other industries during 2022.

While the construction industry added 32,000 con struction jobs in July, according to an ABC analysis of U.S.

Bureau of Labor and Statistics data, it wasn’t enough to fill the gap, with the association noting that “the industry’s labor supply remains severely constrained.”

Competition for good work ers is tough, forcing contractor companies to increase wages to attract or retain workers, which eats into the bottom line.

Average hourly earnings for residential construction work ers have risen consistently over the last couple of years, NAHB says, noting that “between December 2019 and December 2021, residential building work ers’ average hourly earnings increased about 12%.” That trend has continued this year with average hourly earnings in May 2022 up 5% over the same time in 2021, NAHB says.

Inflation

As the prices of goods and materials have crept up, so has inflation. This is affecting con struction demand and costs, especially for new housing starts.

New home sales fell in June to the lowest level since April 2020, NAHB said in July, “reflecting builder sentiment as construction bottlenecks continue to slow new home building and raise housing costs.”

Moody’s Analytics reported in June that inflation rose to 8.6% on an annual basis but noted there were indicators that “global supply-side inflation pressure is peaking in some areas.” The Bureau of Labor Statistics says inflation dipped to 8.5% in July after peaking at 9.1% in June.

Spotlight: Small Trade Contractors

Interest Rates

The Federal Reserve has been steadily increasing interest rates over the last year to combat rising inflation, and that is hurting home sales. The combination of inflation and a nearly three-point jump in mortgage interest rates during the first half of 2022 sidelined potential homebuy ers, Moody’s noted in mid-July.

The Fed’s second .75% rate hike at the end of July came as the housing industry was already in a recession, accord ing to NAHB.

Helping Contractors Navigate Current Challenges

Each of these individual issues are of course intertwined and create additional

exposures and insurance costs for contractors. Agents should ensure their clients are aware and prepared for current challenges, as well as taking steps to avoid potential claims related to negligence, property damage or worker injuries due to material and/or worker shortages.

Contractors should be transparent with their clients about how these issues could affect a project, increase its cost or lead to delays. Contractors should also consider the timing of starting a project. If, for example, materials like windows won’t be available for six months, could a building project be damaged by elements like wind and rain if it is unable to be completed on schedule?

Other exposures like job site accidents or worker injuries may be more prevalent if con tractors are operating without enough workers or are hiring workers who are unqualified or not properly trained.

Contractor insurance premiums are directly related to payroll and gross receipts, so with the increase in building values and wages, policies have become more expensive. Add to that a tightening of capacity in the property market because of natural catastrophes, and contractors are looking at high single-digit rate increases or more in some areas.

It is up to agents to help their contractor clients navigate and mitigate other exposures that could lead to even higher insurance costs. Agents should

also look for insurance partners with experience in the contrac tor/construction space.

There are signs of light at the end of the tunnel for the segment. The rate of inflation appears to be slowing, and the demand for new construction is still prevalent given the current massive housing short age. With the help of trusted agent advisors, contractors can mitigate the current challenges and be positioned to take advantage of new opportuni ties in the years to come.

Ferguson is president of US Assure, where he leads corporate strategy and the day-to-day operational decisions for the company. US Assure exclusively distributes, underwrites and services Zurich’s builders risk insurance pro gram across the U.S.

Special Report: Agency Partnerships

to Andrew Caldwell, president of Smart Choice based in Greensboro, North Carolina, there are major differences in everything from size and structure to location and what they’re looking for in members. “But they share the funda mental purpose of helping independent agencies connect with carriers,” he told Insurance Journal.

That there are so many successful net works operating today tells an important story, Caldwell believes. “Something is working,” he said. “Carriers want to find agencies that are a good fit and that drive organic growth, and networks are ideal at matching agencies with carrier partners to achieve these goals.”

Agency partnerships have moved well beyond market access providers. “Years ago, it was about market access,” Matt Masiello, CEO of the nation’s largest net work, SIAA. “It’s no longer about market access. Agencies can access markets anywhere.”

Agency Networks: Thriving Now and in the Future

By Andrea Wells

Agencypartnerships and networks continue to grow and add value for property/casualty independent agencies, large and small, by adding great er market access, offering services and technology, and the sharing of ideas that are helping them build their businesses.

For nine years Insurance Journal has recognized the nation’s largest agency partnerships and networks in its annual Top 20 ranking. This year, the Top 20 Agency Partnerships again showed considerable growth in both total property/ casualty revenue and property/casualty premium. The Top 20 grew by nearly $400 million in total P/C revenue in 2021 and by nearly $10.5 billion in total P/C premium

(see page 24 for the 2022 Top 20 list). That growth has continued into 2022, according to the handful of agency partnerships interviewed for this report.

Agency partnerships and networks are not new. Some have existed for decades. While the first networks started in the 1970s, these partnerships have grown in the past decade into organizations with diverse products and services.

According to the Insurance Network Alliance’s 2022 Insurance Networks Study, there are more than 150 insurance networks today and more than 22,000 agencies belong to them.

The INA study estimates that total network premiums controlled by networks and agencies is about $138 billion and total network-controlled premium is about $66 billion. Insurance agency networks’ total network-controlled premium accounted for 5% of the $1.28 trillion in U.S. insurance industry net premiums written, according to the Insurance Information Institute in 2020.

No two networks are alike. According

Today, when agencies join a network or partnership they should choose one based on their own goals and how that group can help them achieve those goals, Masiello said. Agency owners must consider how their goals will change in the future as well. “Because your goals are different tomorrow than they are today, right? So, you want to make sure you join a network that is scalable for your business as you continue to grow.”

Masiello tells prospective members to make sure they understand how the network shares dollars down to the agency before they join any organization. He advises them to be sure there is transparency in how commissions are paid to agencies and how carrier incentives are shared among members.

Perhaps most important — Masiello says agencies must review in detail all terms of any agency/network contract. “We always tell everybody they’ve got to understand, not just the business model, but they must understand the contract that they’re going to sign,” he said. “They should really take their time, and when they’re sitting with any of these groups, they should go through that contract with a fine-toothed comb and make sure they understand

what the contract means for them today and tomorrow, and even at the end of the relationship.”

New Partnerships

The newest agency partnership group to join IJ’s Top 20 list is The AC Companies, or The Agency Collective, which was founded “out of necessity” in 2020 by Kenny Urbania and Gary Hines following the release of all Nationwide Insurance’s exclusive agents.

Urbania, a 25-plus year Nationwide exclusive agent, said converting to the independent agency model was chal lenging for many of his Nationwide agent peers, so founding The AC seemed like a natural progression. However, as he and Hines began developing the framework for The AC they realized other agencies, those already working in the independent agen cy channel, could also benefit from the model that their network would provide.

“We formed our group to disrupt the network industry and do it better,” Hines told Insurance Journal. “Although we started with the Nationwide agents, the sky is the limit as we are rapidly growing in the independent channel.”

Urbania said that The AC currently has about 750 active members with an average size agency ranging between $4 million to $4.8 million in premium per agency. Established independent agencies repre sent about 30% of its new membership.

M&A Hits the Scene

A trend felt elsewhere in the industry hit the agency partnership sector in 2022 — consolidation.

Insurance agency network Renaissance Alliance acquired two other agency networks in January. Massachusetts-based Renaissance acquired Agency Network Exchange (ANE), a 60-member exchange based in New Jersey, and Fresno, California-based United Valley Insurance Services, with 92 member agencies. Both ANE and United Valley held spots in the Top 20 Agency Partnerships’ ranking in Insurance Journal.

Renaissance itself was purchased in 2018 by Long Arc Capital, which has invested in personnel and operations, a Long Arc

partner said. That capital investment put Renaissance in a position to expand capa bilities for agency members, said Robert Bondi, CEO of Renaissance Alliance. That also meant expanding its geographical footprint, which had traditionally been centered in the New England market.

Today, Renaissance Alliance has nearly 300 agencies in 13 states with about $3.6 billion in premium.

More recently, in September the MarshBerry Platform announced a merger with First Choice Agents Alliance (FCAA). MarshBerry Platform and FCAA, each on its own, represent two of the nation’s largest aggregators. According to Insurance Journal’s 2022 ranking, MarshBerry Connect Platform’s represent ed $917,556,522 in total 2021 P/C revenue while FCAA represented $365,512,729 in total 2021 P/C revenue. [Editor’s Note: Because the merger occurred in 2022, both firms are represented on the 2022 ranking, which uses 2021 figures.]

MarshBerry Platform and FCAA are now known as FirstChoice.

First Choice was created in 2015 as a wholesale outlet for Nationwide captive agents looking for commercial market access. In 2017, the model moved to an agency member network to provide direct carrier access, strategic planning, educa tion, and technology as well as market access.

MarshBerry, an investment banking and consulting firm serving the insurance distribution industry, initially launched the MarshBerry Platform in 2019 as an exclusive benefit for MarshBerry’s Connect members, which are typically larger agencies.

John Wepler, MarshBerry chairman and CEO, said the merger will allow the combined First Choice to serve indepen dent agencies writing less than $1 million in revenue to those with greater than $1 billion in revenue. Wepler said that the two firms’ business models fully align in that both organizations strive to develop tools, resources and capabilities to help participating firms grow while remaining independent.

Earlier this year, MarshBerry announced a partnership with Atlas Merchant

Capital, which supported efforts to grow. Combining forces with FCAA is one example of that intentional growth.

Keith Captain, FirstChoice’s president, said the ability of the combined group to help every business from a frontline retail agency all the way up to a sophisticated firm is what will set them apart.

“There is no other network or group out there that’s able to provide the breadth of support that we’re going to be able to provide. And that’s really what takes this to a whole new level for all of us,” he maintained.

Future of Agency Partnerships

Agency networks that responded to INA’s 2022 study see an optimistic future for agency networks and their agency members but caution that industry trends such as consolidation and market demands will challenge some networks going forward.

“As with other segments of the insur ance industry, networks are faced with key challenges including the continued consolidation of both carriers and agen cies, evolving demands of stakeholders, and regulatory issues,” the study said.

“On the other hand, there are tremendous opportunities to be pursued such as great er technological advances, M&A activities, and further growth.”

Renaissance’s Bondi said the future for agency networks looks good, but that success is centered around the strength and importance of the independent agency itself.

“We believe that piece of the insurance distribution channel is by far the strongest and most important,” he said. “As indepen dent agencies themselves continue their growth in the market — and representing that they are the strongest component of insurance distribution — good networks should be driving greater value to these independent agencies to allow them to outperform other parts of distribution.”

Additional investment from private equity players will help the network space to continue providing value to the independent agency system, he added.

“The future is extraordinarily bright, and I’m very optimistic.”

Special Report: Agency Partnerships

Insurance Journal’s Top 20 Agency Partnerships Total

1 SIAA $1,456,811,303 $0 $10,857,968,164 $0 20,209 Hampton, New Hampshire siaa.com

2 ISU Insurance Agency Network $1,268,922,000 $105,320,000 $9,850,000,000 $1,700,000,000 5,250 Charleston, South Carolina joinisu.com

3 MarshBerry Connect Platform LLC $917,556,522 $300,609,881 $7,404,119,080 $3,353,788,548 6 Woodmere, Ohio marshberry.com/platform

4 Keystone Insurers Group Inc. $558,373,350 $92,148,040 $4,405,312,427 $1,532,628,864 5,180 Northumberland, Pennsylvania keystoneinsgrp.com

5 SecureRisk LLC $487,104,679 $51,458,218 $3,656,059,810 $680,204,759 10 Tucker, Georgia securerisk.com

6 Renaissance Alliance Insurance $456,122,144 $0 $3,600,000,000 $0 168 Chicago, Illinois Services LLC, renaissanceins.com

7 The AC Companies $442,063,616 $4,648,570 $2,970,919,985 $5,425,125 14 Concord Township, Ohio jointheac.com

8 First Choice Agents Alliance LLC $365,512,729 $0 $2,588,076,811 $0 16 Mooresville, North Carolina joinfcaa.com

9 The Iroquois Group $296,349,571 $35,000 $2,241,886,681 $0 76 Allegany, New York iroquoisgroup.com

10 Combined Agents of America LLC $192,287,692 $17,623,737 $1,415,995,263 $0 11 Austin, Texas combinedagents.com

11 Smart Choice $189,334,035 $8,834,385 $1,356,465,063 $39,266,664 74 High Point, North Carolina smartchoiceagents.com

12 Pacific Interstate Insurance Brokers $129,456,774 $0 $805,345,393 $0 10 El Dorado Hills, California piib.com

13 Brightway Insurance $107,689,990 $4,864,374 $890,800,000 $29,500,000 350 Jacksonville, Florida brightway.com

14 Georgia Agency Partners $106,257,000 $9,011,000 $700,076,000 $83,269,000 1 Statesboro, Georgia gapins.org

15 Insurors Group LLC $102,000,000 $12,800,000 $578,000,000 $190,000,000 339 Dallas, Texas insurorsgroup.com

16 GreatFlorida Insurance $82,492,685 $235,829 $633,804,822 $2,361,943 336 Stuart, Florida greatflorida.com

17 Bainswest Inc. $62,604,281 $9,858,464 $443,314,696 $122,716,011 458 Owasso, Oklahoma bainswest.com

18 Insurance Associates of America LLC $61,487,012 $3,074,188 $461,152,590 $24,911,347 22 New Berlin, Wisconsin IAANetwork.com

19 The Insurance Alliance Network $41,705,993 $0 $311,222,747 $0 300 Camp Hill, Pennsylvania theinsurancealliancenetwork.com

20 PacWest Alliance Insurance $33,957,650 $1,075,326 $309,889,600 $49,802,077 300 Fresno, California Services Inc., pacwestalliance.com

Idea Exchange: The Competitive Advantage

Can a Firm’s Culture Created by a Salesperson Be Grown Into a Business Culture?

Havinga sales culture in your agency is not synonymous with having business culture.

As so many exam ples of vaporware and internet companies and virtual providers and game changing insurance companies that never make mon ey prove, a business can have value, huge equity values even, but never really be an operationally successful business. In all of the companies that never make a profit and likely never will make a profit even though they have values far exceeding much more successful businesses, the definition of “success” gets confused. These kinds of businesses’ cultures are always based on the salesperson’s ability to sell to customers and investors (including employees) that success is just around the corner. They are always selling, and damned be the person who points out that when a business never makes a profit, that business is not successful.

By Chris Burand

In today’s world of free money, success does not mean ever making a profit. It is really no different than liberal economists believing that money is so free that people need not work but should just be given more money. Nothing is free and if it is free, you are the product. Yet thousands of com panies have been founded, including insur ance companies, on the hope that someone will buy them before they actually have to prove their business is a run like a business. Many millionaires have become millionaires by making that sale close. Maybe being a true business with functioning operations is passe’?

In the insurance industry, most distribu tors are always focused on the next sale. Eighty percent of effort is on the next sale or retaining a client that is threatening to leave. Twenty percent of effort is focused on operations. Assuming real profit is required, an effort of 20% on operations is insufficient for the following reasons.

and carriers are going to begin forcing the issue.

The carriers that have written the most net new business over the last five years have the best expense ratios, which is a proxy measure for operational focus. This fact, of course, excludes gains that are made simply by foregoing reinsurance as many carriers did in 2018 and have not yet purchased insurance back to the same level. Just think for a moment: If operations creates 10% more efficiency and the savings is converted to lower prices, is it easier or harder to sell these lower prices? This is not rocket science.

Perplexingly, most sales focused people and cultures can make the connection but cannot manage to accomplish the execution. They just cannot mentally make

The sales culture’s premise is that more sales will solve the profit problem. Just a little more scale is always the solution. Little substantive attention is given to oper ational profit. I should note here that many long-established insurance companies and agencies have the same issue where sales, even unprofitable sales, take precedence.

I know lots of people will disagree, and exceptions do exist, but a sales culture focuses on sales, the top line and not the bottom line. A business culture treats both equally.

I have worked with and analyzed far too many companies to fall for the wishful thinking that sales cultures are business cultures.

Salespeople can’t take their focus off the next sale long enough to consider the bottom line. If the salesperson is the leader, they need to focus on operations too but cannot find the will to do it.

First, high quality operations mean more profit. That profit can be used to employ more salespeople. It can be used for better sales training or higher dividends. Higher profits mean higher value, all else being equal. Just focusing on the next sale does not achieve any of these goals.

Second, low cost/high quality operations enhance sales. If one can sell the same product/service at a lower price, the low price wins. This industry has focused hard on convincing people low price insurance equals high quality. Billions are spent annually on advertising in an effort to achieve just this purpose and regardless that it is 100% duplicitous — it works. Imagine if it was real!

Third, the great economist Carl Shapiro initially analyzed and has been proven correct over the last 40 years that low cost ultimately wins in every industry other than extreme niches. To be low cost, operations must be 50/50 with sales. The sales focus fails when costs are too high. The sales focus gains steam when costs are low. Costs need to be strategically low, not just cheap

News & Markets

California OKs Bill Protecting Workers Who Use Marijuana at Home

By Adam Beam California

could soon become the seventh state to make sure people won’t lose their jobs if they smoke marijuana when they’re off the clock.

State lawmakers in late August passed a bill to stop companies from punishing workers who fail a certain type of drug test that detects not whether a person is high, but whether the person has used marijuana at all in recent days.

These tests, which rely on urine or hair samples, look for a substance that the body makes when it breaks down THC, the main psychoactive compound in marijuana. But that substance, called metabolites, can remain in a person’s body for weeks after using marijuana, according to the Mayo Clinic, meaning people can fail a drug test even though they are not impaired.

The legislation would prevent workers from being punished from failing these types of drug tests. Companies could still punish employees for failing other types of tests that use saliva and are better at determining if a person is currently high.

The bill now goes to the desk of Democratic Gov. Gavin Newsom, who has until the end of September to decide whether to sign it into law. It would take effect on Jan. 1, 2024.

“Nothing in this bill would allow someone to come (to work) high,” said Assemblymember Bill Quirk, a Democrat from Hayward and the author of the bill.

California was the first state to legalize medical marijuana in 1996, and it was one of the first states to legalize recreational marijuana in 2016. But the state has been

slow to pass laws protecting workers who use marijuana on their own time.

Six other states – Nevada, New York, New Jersey, Connecticut, Montana and Rhode Island –have laws protect ing workers’ rights to use recreational marijuana, accord ing to the National Organization for the Reform of Marijuana Laws. Twenty-one states have laws protecting workers who use medical marijuana from discrimination.

Labor unions argue it isn’t fair to punish employees for doing something that is legal outside of their job and doesn’t inter fere with their responsibilities at work.

Copyright 2022 Associated Press. All rights reserved.

California Lawmakers Pass Landmark Fast Food Workers Bill

By Don Thompson

Californialawmakers approved a nation-leading measure that would give more than a half-million fast food workers more power and protections, over the objections of restaurant owners who warn it would drive up consumers’ costs.

The bill will create a new Fast Food Council with equal numbers of workers’ delegates and employers’ representatives, along with two state officials, empowered to set minimum standards for wages, hours and working conditions in California.

A late amendment would cap any min imum wage increase for fast food workers at chains with more than 100 restaurants

at $22 an hour next year, compared to the statewide minimum of $15.50 an hour, with cost of living increases thereafter.

The Senate approved the measure on a 21-12 vote, over bipartisan opposition. Hours later the Assembly sent it to Gov. Gavin Newsom on a final 41-16 vote, both chambers acting with no votes to spare.

Debate split along party lines, with Republicans opposed, although three Democratic senators voted against the measure and several did not vote.

Restaurant owners and franchisers cited an anal ysis they commissioned by the UC Riverside Center for Economic Forecast and Development saying that the legislation would increase consumers’ costs. Gov. Gavin Newsom’s administration also fears the measure would create “a

fragmented regulatory and legal environ ment.”

The debate has drawn attention nation wide.

The bill grew out of a union movement to boost the minimum wage and Andrias said it would “work in conjunction with traditional union organizing to give more workers a voice in their working condi tions.”

International Franchise Association

Copyright 2022 Associated Press. All rights reserved. Markets

President and CEO Matthew Haller countered that the legislation “is a dis criminatory measure aimed to target the franchise business model to bolster union ranks.”

Organizations representing Asian, Black and LGBTQ businesses sent a letter to senators arguing that the measure would harm minority owners and workers.

the jump to act. They are too sales minded. Sales is their strength, so they stick to sales. They eventually lose.

I have failed to convince many carriers and agents to give more emphasis to operations. The logic of doing so was and has been obvious, yet outside of serious E&O issues which force the leaders’ hands, nothing changes. I get it. Continuing to focus within the leader’s comfort zone is much easier. Changing focus is emotionally draining. No matter how right I am, the emotional price is too high.

The best solution I know is based on leadership rather than logic. Leadership means leading the entire enterprise, not just sales.

As Dirty Harry said, “A man must know his limitations.” The best leaders know their limitations. The best leaders focus on the whole health of what they are leading, rather than individual parts. This means having the confidence to hire a strong oper ational leader and empowering them to take

the steps required to build a cost-effective company. It means having a spine when salespeople complain about operational rules.

in highly profitable growth.

A failure of aggregators and networks is lack of organic growth. It is almost sad that sales-focused brokers and networks have the worst overall organic growth rates. All these agencies join networks so they can have more products/carriers to sell and yet the organic growth rate is effectively 0%. One reason is lack of operational leadership. It is only about sales.

A great example involves an agency where the owner led producers and staff to achieve significant operational success. They led with operations; increased sales followed, which resulted

The agency eventually was sold to one of the big buyers who relented on day one to the producers’ whining about having to follow procedures. The new leaders understood that operations was the driver of the agency’s success, and to their credit, they admitted they did not possess the leadership required to adopt the better pro cedures or require the producers to adhere to the rules. The profit margin decreased by almost half overnight — 100% due to lack of operational leadership.

The buyer justified their lack of spine by suggesting the producers would quit if the rules were enforced. This is shallow reasoning. The producers had not quit while working for a smaller agency with fewer resources, so why would they quit now? Even if they did, the good producers would not be the ones who quit.

Leadership is hiring a strong operational leader and walking away from overseeing operations. These are the steps required if you want your agency to grow into a true business. One hundred percent delegation is required. It is a complimentary skill set. Paired, the leaders become unbeatable.

The carriers (I used carriers because their results are public but the same applies to agencies/brokers) that have built operation al leadership are the same ones adding $10 billion — $10,000,000,000 — in new sales every single year.

If you are emotionally solid and focused on your agency rather than your feelings, you will recognize your leadership skills are limited in one way or the other. The greatest next step of the best leaders is to hire someone with complimentary skills. Don’t be afraid of the operational leader taking over. That can be managed if it becomes a real issue.

Your days will become less stressful because someone else is doing the work you don’t like to do. Sales will increase because you are less distracted by operations.

A business culture has the best of both worlds. If you have a sales culture, can you lead your firm into a business culture?

Burand is the founder and owner of Burand & Associates LLC based in Pueblo, Colo. Phone: 719-485-3868. E-mail: chris@burand-associates.com.

The best leaders focus on the whole health of what they are leading, rather than individual parts.

Idea Exchange: Is It Covered?

Logic & Language and Forms & FactsThe Homeowners Nonexclusion Exclusion

In2004, almost 18 years ago, I began an initiative to expose one of the most onerous and egregious provisions of any mainstream personal lines policy I had ever seen. The article was entitled “Rent Your Home, Void Your Insurance Policy?” I followed it up with 15 other articles related to the issue.

By Bill Wilson

In 2005, the national technical affairs committee of the Independent Insurance Agents & Brokers of America (IIABA or the Big “I”) first presented this issue to Insurance Services Office (ISO) at our annual meeting. In 2009, these articles and this advocacy formed the basis of a 29-page white paper entitled “‘Where You Reside’ — The Where’s Waldo? Catastrophic Homeowners Policy ‘Exclusion’ That Could Bankrupt Your Insureds” published by the IIABA. You can still access that white paper and related resources for free at the Big “I” website (www.independentagent.com) by searching for “where you reside.”

In 2015, ISO produced a series of

endorsements designed to resolve or at least mitigate this potentially catastrophic coverage gap in their homeowners policies. My research indicated that this problem also existed in the vast majority of non-ISO homeowners policies in the marketplace. At least one carrier solved the problem by eliminating the offending language from their homeowners policies at that time.

After almost two decades of writing and speaking about this issue, I had hoped it had been resolved. Recently, however, I learned of a September 2021 Michigan Court of Appeals decision, Mohamed A. Hassanein and Ebtisam Khalifa v. Encompass Indemnity Company, et al. The court ruled that the fire damage to the home owned by this couple was not covered, citing a 1995 Michigan court case from my original white paper, Heniser v. Frankenmuth Mut. Ins. Co.

Here is the crux of the coverage gap. Most homeowners policies cover the dwelling on the “residence premises” shown on the policy’s declarations page. The term “residence premises” is defined to include the dwelling “where you reside,” with “you” referring to the named insured and, even if not named, resident spouse.

According to one interpretation, the insuring agreement that applies to the dwelling is not triggered unless the named insured and/or resident spouse live there. In other words, if you don’t reside in your home, for whatever reason, at the time of a loss, you have no coverage on the dwelling.

As the original white paper discusses, courts are split on this. But, even in the Heniser case, a dissenting judge opined, “[T]he mere statement that the insured property is a dwelling used principally for dwelling purposes is not clear and explicit enough to create a warranty.” Most courts finding coverage concur with that opinion that the “where you reside” language is simply descriptive and does not warrant continuing occupancy past the policy inception date. And most courts require that, to be enforceable, an exclusion must be clear and conspicuous in a policy. Apparently this principle in some states does not apply to a claim denial that does not technically involve an exclusion.

Many of these cases involve homes where the owners moved and temporarily held the property out for rental. But the white paper identifies well over a dozen

other scenarios such as sudden work relocations, extended rehabilitation stays following illness, a parent that moves out and a child moves in (or vice versa), divorce, foreclosure, death, ownership transfers to trusts, a home buyer who takes possession and moves in prior to final closing or a home seller who remains after closing but coverage is now provided by the purchaser, temporary vacancies due to home renovations, and the list goes on.

If you write any significant homeowners business, you have customers at this moment with homeowners policies on homes where they no longer live in. Many of these homes are insured by carriers who will deny a claim based not on an exclu sion, but on three words in a definition referenced from an insuring agreement. Do you know who these carriers are? Do you know who these insureds are? Have you ever discussed this issue with your insurers or customers?

In a seminar based on the white paper

I presented for over 10 years, I included examples of denied claims that I was personally involved in as a consultant. Four of these claims were six-figure fire losses on homes being rented in Florida and Georgia. Three others were fire claims in New York, Arizona and Pennsylvania where the owners had temporarily moved out during renovations. Another was a theft and vandalism loss in Maryland that occurred after parents moved to one of two homes they owned and allowed their daughter to move into the other.

An insured in a Kentucky nursing home suffered a total loss to her home that was denied. A rented Florida condo experienced a $100,000 fire loss, and the death of the occupant, that was denied though condo eligibility did not require owner occupancy and the HO-6 form was endorsed with the HO 17 33 – Unit Owners Rental To Others that said, “For an additional premium, this coverage applies while the ‘residence premises’

is regularly rented or held for rental to others.” A denied Pennsylvania fire loss occurred while a daughter occupied her parents’ home when they took care of her grandmother for several months at a distant location. In a Rhode Island claim, a couple bought a home and insured it on a homeowners policy but discovered after 30 days the home needed significant reno vation that required them to move out for six months, during which a fire occurred.

For most of your customers, their home is by far the most valuable asset they own or will ever own. Are they aware that they could be forced into bankruptcy by three words buried in a definition referenced from an insuring agreement in their homeowners insurance policy?

Wilson, CPCU, ARM, AIM, AAM is the founder and CEO of InsuranceCommentary.com and the author of seven books, including “When Words Collide…Resolving Insurance Coverage and Claims Disputes.” He can be reached at Bill@InsuranceCommentary.com.

Welcome to Insurance Journal’s 2022 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 busi nesses. 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.

The Hanover Insurance Group

U.S. Brokers Network, Specialty Program Div of US Risk

Most States

All States except AK CA HI

U S E & O Brokers a Division of U S Risk, LLC All States

U.S. Risk, LLC

Victor Coverage Pros

AMIS/Alliance Marketing & Insurance Services

All States

All States

Ashley General Agency TX

Balance Partners

Breckenridge Insurance

Brooks Insurance Agency

Chubb

Cooper & McCloskey, Inc.

All States except KY

All States

All States except HI

All States

Most States

Coterie All States except MA NY

Donald Gaddis Co., Inc. Insurance Svcs

All States

First Choice Insurance Intermediaries, Inc. Most States

Gateway Specialty Insurance

All States

Joseph Krar & Associates, Inc. CT MA ME NH RI

National Association of Professional Agents (NAPA) All States

New England Excess Exchange, Ltd.. CT DC DE MA MD ME NC NH NJ NY OH PA RI VA VT

Norman-Spencer International, Inc. All States

Philadelphia Insurance Companies

All States except LA

Professional Liability Ins. Svcs - Underwriting Facilities All States (Aesthescians, Wellness)

Professional Program Insurance Brokerage All States

R.E. Chaix & Assoc. CA

SASSI - Salon & Spa Specialty Insurance Most States

Sierra Specialty, an XPT Company All States

TAPCO Underwriters, Inc.

Most States

USASIA Insurance Services AZ CA

Veracity Insurance Solutions, LLC All States

XPT AZ CA CO FL NV OR TX UT WA

Alliant Insurance Services

All States

AMIS/Alliance Marketing & Insurance Services All States

Aon Affinity All States

Axis Insurance Services, LLC All States

Baker Insurance and Bonds, LLC All States except NY

Breckenridge Insurance

All States

Brooks Insurance Agency All States except HI

Brownyard Group Most States (includes first & third party dishonesty)

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

Hudson Insurance Group / Hudson Pro All States

Insurance Agents & Brokers Service Group, Inc. DE MD PA (for Ins. Agents & Brokers only)

Intercorp: A Division of Norman-Spencer All States

Izzo Insurance Services, a Div of Hull & Company All States

Landy Insurance Agency

All States except AK

Networked Insurance Agents All States

Philadelphia Insurance Companies All States except LA

PL Risk Advisors, Inc.

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

USASIA Insurance Services AZ CA

Veracity Insurance Solutions, LLC All States

Woodlands Insurance Services, LLC Most States

All States

RT Specialty All States (includes Kidnap & Ransom)

Sabal Insurance Group, Inc. All States

Select Risk Services, Inc. AR AZ CA CO LA MS NM PA TX

Sierra Specialty, an XPT Company

All States

SWBC TX

360 Coverage Pros

All Solutions PBS, LLC

Alliant Insurance Services

All States

All States

All States

American Specialty Agents Programs, LLC All States

AMIS/Alliance Marketing & Insurance Services All States

Amwins - 120 Offices Nationwide All States Anderson & Murison, Inc. Nationwide

Aon Affinity

Applied Financial Lines

All States

All States

ARC West Coast Excess & Surplus Brokerage, LLC All States

Aura Risk Management & Insurance Services Most States

Axis Insurance Services, LLC All States

Baker Insurance and Bonds, LLC All States except NY Braishfield Associates, Inc. All States (includes Patent Infringement)

Breckenridge Insurance

Brooks Insurance Agency

All States

All States except HI

Brown & Riding All States

Brownyard Group Most States

Business Risk Partners

Capitol Special Risks, Inc.

All States

All States

CFC All States Chubb

All States

CID Insurance Programs, Inc. AZ CA CO ID MD NE NM NV OR PA TN TX UT VA WA

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 CorRisk Solutions All States

Coverys

All States

CRES Insurance Services, LLC, LLC Most States

Delta General Agency Corp. TX Donald Gaddis Co., Inc. Insurance Svcs All States

DUAL North America All States

Eaton Professional Insurance Services CA eKo Specialty Insurance Services, Inc. CA FL MI NC NV

EMaxx Assurance Group of Companies, Inc. All States Erickson-Larsen, Inc. MN MT ND SD WI WY

Executive Insurance Professionals, PLLC CA GA NM OK TX Gateway Specialty Insurance All States

Gorst & Compass Insurance CA Grayhawk General Agency, Inc. AZ CO ID NM NV TX UT WA

Great American Ins. Group - Executive Liab. Division All States Greenhill Insurance Services

All States

Gumtree Wholesale Insurance Brokers, Inc. AL AR KS KY LA MO MS TN TX

Indemnity Excess & Surplus Agency, Inc. Western States Insurance Agents & Brokers Service Group, Inc. DE MD PA (for Ins. Agents & Brokers only)

Intercorp: A Division of Norman-Spencer

Irwin Siegel Agency

Jamison Risk Services

All States

All State

All States

Jencap - Locations Nationwide All States

Jencap Specialty Insurance Services – Buffalo Most States

Jimcor Agencies

All States except AK HI IA MT ND NE SD WY

Joseph Krar & Associates, Inc. CT MA ME NH RI

Keating Brokerage

All States

Kevin Dahlke Insurance Brokerage, Inc. Most States

Keystone Insurance Services, Inc. TX

Landy Insurance Agency

All States except AK M.J. Hall & Company, Inc. AK AZ CA HI NV OR WA

MarketScout

MAXIMUM

All States

All States

McGowan, Donnelly & Oberheu, LLC (MDO) All States

Monarch E&S Insurance Services Nationwide National Association of Professional Agents (NAPA) All States

Negley Associates

All States

Networked Insurance Agents All States

New Age Underwriters Agency, Inc. All States

New England Excess Exchange, Ltd.. CT DC DE MA MD ME NC

Norman-Spencer Agency, Inc.

All States

Number One Insurance Agency MA

OREP Insurance Services, LLC

Osprey Underwriters

All States

All States

Philadelphia Insurance Companies All States except LA

PL Risk Advisors, Inc. All States

Professional Insurance Concepts All States

Professional Liability Brokers & Consultants, Inc. All States

Program Brokerage Corporation All States

ProWriters

Quadrant Insurance Managers

All States

All States

R.E. Chaix & Assoc. CA

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)

Sabal Insurance Group, Inc. All 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, an XPT Company

All States

Southern Insurance Underwriters, Inc. CMGA AL FL GA MS NC SC TN

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, LLC

All States

USG Insurance Services, Inc. All States

Veracity Insurance Solutions, LLC All States

Victor Insurance Managers Inc. All States

Western World Insurance Group Most States Woodlands Insurance Services, LLC Most States

Advanced Professional

Agentic Insurance,

All Solutions PBS, LLC All States

Alliant Insurance Services All States

Allsouth Professional Liability Multiple – please contact us.

American Specialty Agents Programs, LLC All States

AMIS/Alliance Marketing & Insurance Services All States

Amwins - 120 Offices Nationwide All States

Anderson & Murison, Inc. Nationwide

Aon Affinity All States

ARC West Coast Excess & Surplus Brokerage, LLC All States

Ashley General Agency TX

Aspera Insurance Services AZ CA

Aura Risk Management & Insurance Services Most States

Axis Insurance Services, LLC All States

Baker Insurance and Bonds, LLC

All States except NY

Berkley Select | a Berkley Company All State

Braishfield Associates, Inc. All States

Breckenridge Insurance

All States

Brooks Insurance Agency All States except HI Brown & Riding All States

Brownyard Group Most States (for Cemetery & Library Programs only)

Business Risk Partners

Capitol Special Risks, Inc.

All States

All States

CFC All States

Ck Specialty Insurance Associates All States except AK DC FL NY

Cochrane and Company

Delta General Agency Corp. TX

Donald Gaddis Co., Inc. Insurance Svcs All States

Eaton Professional Insurance Services CA

eKo Specialty Insurance Services, Inc. CA FL MI NC NV

EMaxx Assurance Group of Companies, Inc. All States

Erickson-Larsen, Inc. MN MT ND SD WI WY

Executive Insurance Professionals, PLLC CA GA NM OK TX

Founders Professional

All States except AK

Gateway Specialty Insurance All States

Gorst & Compass Insurance CA

Great American Ins. Group - Executive Liab. Division All States

Gumtree Wholesale Insurance Brokers, Inc. AL AR KS KY LA MO MS TN TX

Hallmark Financial Services, Inc. All States

Hudson Insurance Group / Hudson Pro All States

Indemnity Excess & Surplus Agency, Inc. Western States

Insurance Agents & Brokers Service Group, Inc. DE MD PA (for Ins. Agents & Brokers only)

IPA Risk Management, LLC

Irwin Siegel Agency

All States

All States

J.E. Brown & Associates AZ CA NV OR UT

J.M. Wilson

All States except AK HI NY

Jacobs & Associates, Inc. OH

Jamison Risk Services

All States except AK NV

Jencap - Locations Nationwide All States

Jencap Specialty Insurance Services – Buffalo Most States

Jimcor Agencies

All States except AK HI IA MT ND NE SD WY

Joseph Krar & Associates, Inc. CT MA ME NH RI

Keating Brokerage

All States

Kevin Dahlke Insurance Brokerage, Inc. Most States

Kinsale Insurance Company

Landy Insurance Agency

All States + DC, Puerto Rico, Virgin Islands

All States except AK

M.J. Hall & Company, Inc. AK AZ CA HI NV OR WA

MarketScout

All States

Commercial Insurance Group dba Bigfoot Insurance Most States

Commercial Sector Insurance Brokers, LLC

All States

Commonwealth Underwriters, Ltd. DC MD NC PA SC VA WV

Cooper & McCloskey, Inc.

Most States

Costanza Insurance Agency, Inc. All States (for Security Industry)

Coverys

All States

CRC Insurance Services All States

CRES Insurance Services, LLC

Most States

All States

MAXIMUM All States

McGowan, Donnelly & Oberheu, LLC (MDO) All States

Monarch E&S Insurance Services Nationwide 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 DC DE MA MD ME NC NH NJ NY OH PA RI VA VT

Norman-Spencer Agency, Inc. All States

Osprey Underwriters

All States

Philadelphia Insurance Companies All States except LA PL Risk Advisors, Inc. All States

Prime Insurance Company All States

Professional Governmental Underwriters All States

Professional Insurance Concepts All States

Professional Liability Brokers & Consultants, Inc. All States

Professional Underwriters Agency (PUA) All States Program Brokerage Corporation

ProWriters

All States

All States

Quirk & Company LA NM OK OR TX WA

Quadrant Insurance Managers All States

Quaker Special Risk, a JenCap Company Most States

R.E. Chaix & Assoc. CA

RLI Insurance Company

Rockwood Programs, Inc.

All States

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 (includes Private Mgmt Liab)

Sabal Insurance Group, Inc. All States

Shelly, Middlebrooks & O’Leary, Inc. AL FL GA MS NC SC TX

Sierra Specialty, an XPT Company

All States (includes D&O Excess)

Southern Insurance Underwriters, Inc. CMGA AL FL GA MS NC SC TN

Specialty Insurance Managers, Inc. AR MO NM OK TX

SWBC TX

TAPCO Underwriters, Inc.

TDC Specialty Underwriters

Most States

All States (healthcare industry specific)

Tejas American General Agency AR LA NM OK TX

The Hanover Insurance Group

Most States

U S E & O Brokers a Division of U S Risk, LLC All States

U.S. Risk, LLC

United Educators

All States

All States

USASIA Insurance Services AZ CA

USG Insurance Services, Inc. All States

Veracity Insurance Solutions, LLC All States

Victor Insurance Managers Inc. All States

Western World Insurance Group Most States Woodlands Insurance Services, LLC Most States

360 Coverage Pros

Access E&S Insurance Services (VA)

Advanced Professional Services, LLC

Agency Marketing Services

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

Agentic Insurance, LLC DC DE FL MD NJ NY PA VA

All Solutions PBS, LLC

All States

Alliant Insurance Services All States Anderson & Murison, Inc. Nationwide

Applied Financial Lines All States

ARC West Coast Excess & Surplus Brokerage, LLC All States

ARMR.Network - Better Insurance By Design All States

Ashley General Agency TX

Aspera Insurance Services AZ CA CO FL ME MI NV OR TX VA WA

Aura Risk Management & Insurance Services Most States

Axis Insurance Services, LLC All States

Baker Insurance and Bonds, LLC All States except NY

Balance Partners All States except KY

Breckenridge Insurance All States

Brooks Insurance Agency All States except HI Brownyard Group Most States

Capitol Special Risks, Inc. All States

CapSpecialty All States

CFC All States Chubb All States

CID Insurance Programs, Inc. AZ CA CO ID MD NE NM NV OR PA TN TX UT VA WA

PL Risk Advisors, Inc.

Prime Insurance Company

Professional Governmental Underwriters

Professional Insurance Concepts

All States

All States

All States

All States

Professional Liability Ins. Svcs - Underwriting Facilities All States (250+ Misc Classes: Vinyard/Farm)

Professional Underwriters Agency (PUA) All States

Program Brokerage Corporation

All States

ProLawyer Insurance, LLC DC DE MD NJ NY PA

ProSurance Group, Inc. All States

Quadrant Insurance Managers

All States

R.E. Chaix & Assoc. CA

RLI Insurance Company

All States

Roush Insurance Services, Inc. IL IN OH

RPS Technology & Cyber All States

RT Specialty

All States

Sabal Insurance Group, Inc. All States

Select Risk Services, Inc. AR AZ CA CO LA MS NM PA TX

Sierra Specialty, an XPT Company 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

Travelers

All States

All States

Ck Specialty Insurance Associates

All States except AK DC FL NY Cochrane and Company

All States

Commercial Insurance Group dba Bigfoot Insurance Most States

Commercial Sector Insurance Brokers, LLC All States

Commonwealth Underwriters, Ltd. DC MD NC PA SC VA WV

Cooper & McCloskey, Inc. Most States

CorRisk Solutions All States

Costanza Insurance Agency, Inc. All States (for Security Industry)

Coterie All States except MA NY

Coverys All States

CRC Insurance Services All States

CRES Insurance Services, LLC Most States Delta General Agency Corp. TX

Donald Gaddis Co., Inc. Insurance Svcs All States

DUAL North America All States

Eaton Professional Insurance Services CA eKo Specialty Insurance Services, Inc. CA FL MI NC NV

Elite Underwriters CA FL GA

EMaxx Assurance Group of Companies, Inc. All States

Erickson-Larsen, Inc. MN MT ND SD WI WY

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 Hudson Insurance Group / Hudson Pro All States Insurance Agents & Brokers Service Group, Inc. DE MD PA (for Ins. Agents & Brokers only)

Insurance By Design Most States

Intercorp: A Division of Norman-Spencer All States

Irwin Siegel Agency All States

Izzo Insurance Services, a Div of Hull & Company All States

J.E. Brown & Associates AZ CA NV OR UT

J.M. Wilson

All States except AK HI NY

James Klein Insurance Service, Inc. Most States

Jamison Risk Services

All States except AK NV

Jencap Specialty Insurance Services – Buffalo Most States

Keating Brokerage

All States

Kevin Dahlke Insurance Brokerage, Inc. Most States

Keystroke Underwriters

Kinsale Insurance Company

Landy Insurance Agency

All States except HI

All States + DC, Puerto Rico, Virgin Islands

All States except AK

M.J. Hall & Company, Inc. AK AZ CA HI NV OR WA

Maverick Commercial Insurance Services All States

National Association of Professional Agents (NAPA) All States

Negley Associates

All States

NeitClem Wholesale Insurance Brokerage, Inc. AZ CA NV

Networked Insurance Agents

All States

New England Excess Exchange, Ltd.. CT DC DE MA MD ME NC NH NJ NY OH PA RI VA VT

Norman-Spencer International, Inc. All States

OREP Insurance Services, LLC

Osprey Underwriters

All States

All States

Patriot National Underwriters, Inc. AR KS LA MS NM OK TX

Philadelphia Insurance Companies All States except LA

U S E & O Brokers a Division of U S Risk, LLC All States

U.S. Risk, LLC All States

United Educators

All States

USG Insurance Services, Inc. All States

Veracity Insurance Solutions, LLC All States

Western World Insurance Group Most States

Woodlands Insurance Services, LLC Most States

XPT

AZ CA CO FL NV OR TX UT WA

Access E&S Insurance Services (VA) DC DE GA IL

All Solutions PBS, LLC

Alliant Insurance Services

All States

All States

Allsouth Professional Liability Multiple – please contact us.

AMIS/Alliance Marketing & Insurance Services All States

Amwins - 120 Offices Nationwide All States

Anderson & Murison, Inc. Nationwide

ARC West Coast Excess & Surplus Brokerage, LLC All States

Artex Risk Solutions, Inc. All States

Ashley General Agency TX

Aspera Insurance Services AZ CA CO FL ME MI NV OR TX VA WA

Aura Risk Management & Insurance Services Most States

Axis Insurance Services, LLC All States

Baker Insurance and Bonds, LLC All States except NY

Berkley Select | a Berkley Company All States

Braishfield Associates, Inc. All States

Breckenridge Insurance

All States

Brooks Insurance Agency All States except HI

Brown & Riding

Business Risk Partners

CAMICO Mutual Insurance Company

All States

All States

All States except HI MT VT WY

Capitol Special Risks, Inc. All States

CID Insurance Programs, Inc. AZ CA CO ID MD NE NM NV OR PA TN TX UT VA WA

Ck Specialty Insurance Associates All States except AK DC FL NY

Cochrane and Company

All States

Commercial Insurance Group dba Bigfoot Insurance Most States

Commercial Sector Insurance Brokers, LLC All States

Commonwealth Underwriters, Ltd. DC MD NC PA SC VA WV

Cooper & McCloskey, Inc.

CorRisk Solutions

Costanza Insurance Agency, Inc.

Coverys

CRC Insurance Services

Most States

All States

All States (for Security Industry)

All States

All States

CRES Insurance Services, LLC Most States

Delta General Agency Corp. TX

Donald Gaddis Co., Inc. Insurance Svcs All States

Eaton Professional Insurance Services CA eKo Specialty Insurance Services, Inc. CA FL MI NC NV

Erickson-Larsen, Inc.

MN MT ND SD WI WY

Executive Insurance Professionals, PLLC CA GA NM OK TX

Founders Professional All States except AK

Gateway Specialty Insurance

All States

Gorst & Compass Insurance CA

Great American Ins. Group - Executive Liab. Division All States

Gumtree Wholesale Insurance Brokers, Inc. AL AR KS KY LA MO MS TN TX

Hallmark Financial Services, Inc. All States

Indemnity Excess & Surplus Agency, Inc. Western States

Insurance Agents & Brokers Service Group, Inc. DE MD PA (for Ins. Agents & Brokers only)

IPA Risk Management, LLC

Irwin Siegel Agency

All States

All States

Izzo Insurance Services, a Div of Hull & Company All States

J.E. Brown & Associates AZ CA NV OR UT

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

Applied Financial Lines

All States

All States

ARMR.Network - Better Insurance By Design All States

Ashley General Agency TX

Aura Risk Management & Insurance Services Most States

Balance Partners

All States except KY Beacon Hill Associates

Breckenridge Insurance

All States

All States

All States except HI Cochrane and Company All States

Brooks Insurance Agency

Commercial Insurance Group dba Bigfoot Insurance Most States

J.M. Wilson

All States except AK HI NY Jacobs & Associates, Inc. OH

James River Insurance Company All States

Jamison Risk Services

All States except AK NV

Jencap - Locations Nationwide All States

Jencap Specialty Insurance Services – Buffalo Most States

Jimcor Agencies

All States except AK HI IA MT ND NE SD WY

Joseph Krar & Associates, Inc. CT MA ME NH RI

Kevin Dahlke Insurance Brokerage, Inc. Most States

Kinsale Insurance Company

All States + DC, Puerto Rico, Virgin Islands

M.J. Hall & Company, Inc. AK AZ CA HI NV OR WA

MarketScout

All States

Maverick Commercial Insurance Services All States

MAXIMUM All States

Monarch E&S Insurance Services Nationwide 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 DC DE MA MD ME NC NH NJ NY OH PA RI VA VT

Norman-Spencer Agency, Inc. 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 PL Risk Advisors, Inc. 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

Professional Underwriters Agency (PUA) All States

Program Brokerage Corporation All States

ProWriters 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

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

Sabal Insurance Group, Inc. All States

Shelly, Middlebrooks & O’Leary, Inc. AL FL GA MS NC SC TX

Sierra Specialty, an XPT Company All States

SIS Wholesale Insurance Services All States

Southern Insurance Underwriters, Inc. CMGA AL FL GA MS NC SC TN

SWBC 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

U S E & O Brokers a Division of U S Risk, LLC All States

U.S. Risk, LLC

United Educators

All States

All States

USASIA Insurance Services AZ CA

USG Insurance Services, Inc. All States

Veracity Insurance Solutions, LLC All States

Victor Insurance Managers Inc. All States

Western World Insurance Group Most States

Woodlands Insurance Services, LLC Most States

XPT AZ CA CO FL NV OR TX UT WA

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

Donald Gaddis Co., Inc. Insurance Svcs All States eKo Specialty Insurance Services, Inc. CA FL MI NC NV

EMaxx Assurance Group of Companies, Inc. All States

Executive Insurance Professionals, PLLC CA GA NM OK TX

Freberg Environmental, Inc.

All States

Gumtree Wholesale Insurance Brokers, Inc. AL AR KS KY LA MO MS TN TX

Intercorp: A Division of Norman-Spencer

J.M. Wilson

All States

All States except AK HI NY

Jacobs & Associates, Inc. OH

James River Insurance Company

All States

Jencap Specialty Insurance Services – Buffalo Most States

Jencap Specialty Ins. Services (Environmental) Most States

Joseph Krar & Associates, Inc. CT MA ME NH RI

Lomax Solutions LLC. dba Lomax Ins. Solutions All States

M.J. Hall & Company, Inc. AK AZ CA HI NV OR WA

MarketScout

All States

Maverick Commercial Insurance Services All States

NeitClem Wholesale Insurance Brokerage, Inc. AZ CA NV

OREP Insurance Services, LLC

All States

Patriot National Underwriters, Inc. AR KS LA MS NM OK TX

Philadelphia Insurance Companies All States except LA Professional Liability Brokers & Consultants, Inc. All States

Professional Underwriters Agency (PUA) 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

Select Risk Services, Inc. AR AZ CA CO LA MS NM PA TX

Sierra Specialty, an XPT Company

All States

Specialty Insurance Managers, Inc. AR MO NM OK TX

Tejas American General Agency AR LA NM OK TX

U.S. Risk, LLC

All States

USG Insurance Services, Inc. All States Victor Insurance Managers Inc. All States Woodlands Insurance Services, LLC Most States

Alliant Insurance Services

All States

ARC West Coast Excess & Surplus Brokerage, LLC All States

Aura Risk Management & Insurance Services Most States

Axis Insurance Services, LLC All States

Baker Insurance and Bonds, LLC

Balance Partners

All States except NY

All States except KY

Berkley Select | a Berkley Company All States

Breckenridge Insurance

Brooks Insurance Agency

Business Risk Partners

All States

All States except HI

All States

Commercial Insurance Group dba Bigfoot Insurance Most States

Cooper & McCloskey, Inc.

CorRisk Solutions

Coterie

Most States

All States

All States except MA NY

CRC Insurance Services All States

Donald Gaddis Co., Inc. Insurance Svcs All States

Euclid Specialty Managers, LLC

All States

Great American Ins. Group - Executive Liab. Division All States

Hallmark Financial Services, Inc. All States

Hudson Insurance Group / Hudson Pro All States

Insurance Agents & Brokers Service Group, Inc. DE MD PA (for Ins. Agents & Brokers only)

IPA Risk Management, LLC

Irwin Siegel Agency

Jamison Risk Services

All States

All States

All States

New Age Underwriters Agency, Inc.

Philadelphia Insurance Companies

PL Risk Advisors, Inc.

Professional Insurance Concepts

Program Brokerage Corporation

All States

All States except LA

All States

All States

All States

R.E. Chaix & Assoc. CA

RLI Insurance Company

Rockwood Programs, Inc.

All States

All States (varies based on program)

RPS Technology & Cyber All States

RT Specialty

Sierra Specialty, an XPT Company

U.S. Risk, LLC

Patriot National Underwriters, Inc. AR KS LA MS NM OK TX

Prime Insurance Company

All States

R.E. Chaix & Assoc. CA

RPS Healthcare

TDC Specialty Underwriters

All States

All States (includes Medical Facilities)

U.S. Risk, LLC All States

Ultra Risk Advisors

All States

All States

All States

All States

United Educators All States

USASIA Insurance Services AZ CA

Victor Insurance Managers Inc. All States

Western World Insurance Group Most States

Company

360 Coverage Pros

Agentic Insurance, LLC

All States

DC DE FL MD NJ NY PA VA

Amwins - 120 Offices Nationwide All States

Applied Financial Lines

All States

ARC West Coast Excess & Surplus Brokerage, LLC All States

Aspera Insurance Services

Breckenridge Insurance

Brooks Insurance Agency

Business Risk Partners

AZ CA CO FL ME MI NV OR TX VA WA

All States

All States except HI

All States

Chubb All States

Cooper & McCloskey, Inc. Most States

Coterie All States except MA NY

CRES Insurance Services, LLC Most States (includes Mortgage Brokers) Donald Gaddis Co., Inc. Insurance Svcs All States

First Choice Insurance Intermediaries, Inc. Most States

Fox Point Programs

All States (varies based on class of business)

Hudson Insurance Group / Hudson Pro All States

Intercorp: A Division of Norman-Spencer All States

IPA Risk Management, LLC All States

Jencap Specialty Insurance Services – Buffalo Most States

Keating Brokerage

All States

Kevin Dahlke Insurance Brokerage, Inc. Most States

360 Coverage Pros

Admiral Insurance Group

Agency Marketing Services

All Solutions PBS, LLC

Allsouth Professional Liability

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.

American Specialty Agents Programs, LLC All States

AMIS/Alliance Marketing & Insurance Services All States Anderson & Murison, Inc. Nationwide

Ashley General Agency TX

Aspera Insurance Services AZ CA CO FL ME MI NV OR TX VA WA

Aura Risk Management & Insurance Services Most States

Balance Partners

All States except KY Braishfield Associates, Inc. All States

Breckenridge Insurance

All States

All States except HI Business Risk Partners

Brooks Insurance Agency

All States

Capitol Special Risks, Inc. All States

CapSpecialty

Chubb

All States

All States

CID Insurance Programs, Inc. AZ CA CO ID MD NE NM NV OR PA TN TX UT VA WA

Ck Specialty Insurance Associates

All States except AK DC FL NY

Commercial Sector Insurance Brokers, LLC All States Commonwealth Underwriters, Ltd. DC MD NC PA SC VA WV

Cooper & McCloskey, Inc. Most States

CorRisk Solutions All States Coterie All States except MA NY

Kinsale Insurance Company

All States + DC, Puerto Rico, Virgin Islands McGowan, Donnelly & Oberheu, LLC (MDO) All States

National Association of Professional Agents (NAPA) All States

NeitClem Wholesale Insurance Brokerage, Inc. AZ CA NV

Norman-Spencer Agency, Inc. All States

Philadelphia Insurance Companies All States except LA

Professional Insurance Concepts All States

Professional Liability Brokers & Consultants, Inc. All States Program Brokerage Corporation All States

ProSurance Group, Inc. All States

R.E. Chaix & Assoc. CA

RLI Insurance Company

All States

RPS Executive Lines All States

RT Specialty All States

Sierra Specialty, an XPT Company All States

SIS Wholesale Insurance Services All States

Target Professional Programs All States

U S E & O Brokers a Division of U S Risk, LLC All States

U.S. Risk, LLC

All States

Amwins - 120 Offices Nationwide

Artex Risk Solutions, Inc.

Aspera Insurance Services

Breckenridge Insurance

Brooks Insurance Agency

Cooper & McCloskey, Inc.

Coverys

Delta General Agency Corp. TX Donald Gaddis Co., Inc. Insurance Svcs All States eKo Specialty Insurance Services, Inc. CA FL MI NC NV

Elite Underwriters CA FL GA

Founders Professional All States except AK Gorst & Compass Insurance CA Gumtree Wholesale Insurance Brokers, Inc. AL AR KS KY LA MO MS TN TX

Hudson Insurance Group / Hudson Pro All States Indemnity Excess & Surplus Agency, Inc. Western States Insurance Agents & Brokers Service Group, Inc. DE MD PA Insurance By Design Most States Insurance Specialties Services, Inc. Most States

IPA Risk Management, LLC All States Irwin Siegel Agency

All States Jacobs & Associates, Inc. OH

James River Insurance Company All States

Jamison Risk Services

All States except AK NV

Jencap - Locations Nationwide All States

Keating Brokerage All States

Keystroke Underwriters

Kinsale Insurance Company

MarketScout

MAXIMUM

All States

All States

AZ CA CO FL ME MI NV OR TX VA WA

All States

All States except HI

Most States

All States

Donald Gaddis Co., Inc. Insurance Svcs All States

Elite Underwriters CA FL GA

Kinsale Insurance Company

All States + DC, Puerto Rico, Virgin Islands

Maverick Commercial Insurance Services All States

Negley Associates

All States

All States except HI

All States + DC, Puerto Rico, Virgin Islands

All States

All States

McGowan, Donnelly & Oberheu, LLC (MDO) All States

National Association of Professional Agents (NAPA) All States

National Insurance Underwriters CO FL GA IL NC NJ TX VA

NeitClem Wholesale Insurance Brokerage, Inc. AZ CA NV

New Age Underwriters Agency, Inc. All States New England Excess Exchange, Ltd.. CT DC DE MA MD ME NC NH NJ NY OH PA RI VA VT

Norman-Spencer Agency, Inc. All States

Number One Insurance Agency MA

Professional Insurance Concepts

All States

Professional Liability Ins. Svcs - Underwriting Facilities All States

Professional Underwriters Agency (PUA) All States

Program Brokerage Corporation

ProSurance Group, Inc.

ProWriters

Quadrant Insurance Managers

All States

All States

All States

All States

Quaker Special Risk, a JenCap Company Most States

Risk Placement Services, Inc. - Bridgewater

Rockwood Programs, Inc.

RPS Executive Lines

All States

All States (varies based on program)

All States

Ryan Specialty National Programs All States

Sierra Specialty, an XPT Company

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

U.S. Risk, LLC

All States

Veracity Insurance Solutions, LLC All States

XPT AZ CA CO FL NV OR TX UT WA

Affinity Healthcare

Agentic Insurance, LLC

All States

DC DE FL MD NJ NY PA VA

ARC West Coast Excess & Surplus Brokerage, LLC All States

Artex Risk Solutions, Inc.

Aspera Insurance Services

Breckenridge Insurance

Brooks Insurance Agency

All States

AZ CA CO FL ME MI NV OR TX VA WA

All States

All States except HI

Capitol Special Risks, Inc. All States

Cooper & McCloskey, Inc. Most States

Donald Gaddis Co., Inc. Insurance Svcs All States

Irwin Siegel Agency

All States

James Klein Insurance Service, Inc. Most States

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

Maverick Commercial Insurance Services All States

Prime Insurance Company

360 Coverage Pros

Advanced

Agency

Alliant Insurance Services

Allsouth Professional Liability

All States

All States

Multiple –

Amwins - 120 Offices All States

Aon Affinity

Applied Financial Lines

Aspera Insurance Services

All States

All States

AZ

Aura Risk Management & Insurance Services Most States

Berkley Select | a Berkley Company All States

Berkshire Hathaway GUARD Insurance Companies Most States

Breckenridge Insurance All States

Brooks Insurance Agency

All States except HI

Capitol Special Risks, Inc. All States

Chubb All States

Cooper & McCloskey, Inc. Most States

CRC Insurance Services All States

Donald Gaddis Co., Inc. Insurance Svcs All States

Founders Professional All States except AK Gorst & Compass Insurance CA

Grayhawk General Agency, Inc. AZ CO ID NM NV TX UT WA

Gumtree Wholesale Insurance Brokers, Inc. AL AR KS KY LA MO MS TN TX

Insurance By Design Most States

IPA Risk Management, LLC All States

J.M. Wilson

All States except AK HI NY

James River Insurance Company All States

Jamison Risk Services All States except AK NV

Jencap Specialty Insurance Services – Buffalo Most States

Jimcor Agencies

All States except AK HI IA MT ND NE SD WY

Keystone Insurance Services, Inc. TX

Kinsale Insurance Company

All States + DC, Puerto Rico, Virgin Islands

Landy Insurance Agency All States except AK

Lawyer’s Protector Plan

All States except AK HI LA OR WV WY

M.J. Hall & Company, Inc. AK AZ CA HI NV OR WA

MAXIMUM

All States

McGowan, Donnelly & Oberheu, LLC (MDO) All States

Monarch E&S Insurance Services Nationwide

National Association of Professional Agents (NAPA) All States

NeitClem Wholesale Insurance Brokerage, Inc. AZ CA NV

Number One Insurance Agency MA

Professional Insurance Concepts All States

Professional Liability Brokers & Consultants, Inc. All States

Professional Underwriters Agency (PUA) All States

Program Brokerage Corporation

All States

ProLawyer Insurance, LLC DC DE MD NJ NY PA

Quaker Special Risk, a JenCap Company Most States

Risk Placement Services, Inc. - Bridgewater All States

RT Specialty All States

Sierra Specialty, an XPT Company All States

Synergy Professional Associates, Inc. All States

Target Professional Programs All States

Tejas American General Agency AR LA NM OK TX

The Hanover Insurance Group Most States

Tokio Marine/HCC

Travelers

U.S. Risk, LLC

All States

Promont Insurance Advisors All States

R.E. Chaix & Assoc. CA

RPS Healthcare

TDC Specialty Underwriters

U.S. Risk, LLC

Ultra Risk Advisors

All States

All States

All States

All States

All States

All States

All States

XPT AZ CA CO FL NV OR TX UT WA

Agentic Insurance, LLC

DC DE FL MD NJ NY PA VA

Anderson & Murison, Inc. Nationwide

ARC West Coast Excess & Surplus Brokerage, LLC All States

Balance Partners

All States except KY

Breckenridge Insurance All States

Brooks Insurance Agency

All States except HI CFC All States

Chubb All States Cochrane and Company

All States

Commonwealth Underwriters, Ltd. DC MD NC PA SC VA WV

Cooper & McCloskey, Inc.

Coterie

Most States

All States except MA NY

Donald Gaddis Co., Inc. Insurance Svcs All States

Eaton Professional Insurance Services CA

eKo Specialty Insurance Services, Inc. CA FL MI NC NV

Elite Underwriters CA FL GA

First Choice Insurance Intermediaries, Inc. Most States

Fox Point Programs

All States (varies based on class of business)

Gateway Specialty Insurance All States

Hudson Insurance Group / Hudson Pro All States Jacobs & Associates, Inc. OH

James Klein Insurance Service, Inc. Most States

Jimcor Agencies

All States except AK HI IA MT ND NE SD WY

Keystone Insurance Services, Inc. TX

M.J. Hall & Company, Inc. AK AZ CA HI NV OR WA

Monarch E&S Insurance Services Nationwide NeitClem Wholesale Insurance Brokerage, Inc. AZ CA NV

Networked Insurance Agents

Philadelphia Insurance Companies

All States

All States except LA

Pro-Praxis Insurance (division of CRC) All States

Professional Liability Brokers & Consultants, Inc. All States

ProWriters

Quadrant Insurance Managers

All States

All States

Quirk & Company LA NM OK OR TX WA

R.E. Chaix & Assoc. CA

Shelly, Middlebrooks & O’Leary, Inc. AL FL GA MS NC SC TX

Sierra Specialty, an XPT Company

Tokio Marine/HCC

All States

All States

Veracity Insurance Solutions, LLC All States

Access E&S Insurance Services (VA)

Admiral Insurance Group

Advanced Professional Services, 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

Affinity Healthcare All States

Agency Marketing Services

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

Amwins - 120 Offices Nationwide All States

Aon Affinity All States

Artex Risk Solutions, Inc. All States

Aspera Insurance Services

AZ CA CO FL ME MI NV OR TX VA WA

Aura Risk Management & Insurance Services Most States

Breckenridge Insurance

All States

Brooks Insurance Agency All States except HI Cooper & McCloskey, Inc. Most States

Coverys All States

CRC Insurance Services 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)

Gateway Specialty Insurance All States

Greenhill Insurance Services All States

Hallmark Financial Services, Inc. All States

Hudson Insurance Group / Hudson Pro All States

Indemnity Excess & Surplus Agency, Inc. Western States

James Klein Insurance Service, Inc. Most States

Jencap Specialty Insurance Services – Buffalo Most States

Keystone Insurance Services, Inc. TX

Kinsale Insurance Company

Magnolia LTC

MarketScout

Donald Gaddis Co., Inc. Insurance Svcs

DUAL North America

All States

All States

First Choice Insurance Intermediaries, Inc. Most States

Gateway Specialty Insurance

All States

Gorst & Compass Insurance CA

Greenhill Insurance Services

All States

Hallmark Financial Services, Inc. All States

IPA Risk Management, LLC

Irwin Siegel Agency

All States

All States

James Klein Insurance Service, Inc. Most States

James River Insurance Company

All States

Jencap - Locations Nationwide All States

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

Negley Associates

All States

All States

Patriot National Underwriters, Inc. AR KS LA MS NM OK TX

PL Risk Advisors, Inc. All States

Prime Insurance Company

All States

Professional Liability Ins. Svcs - Underwriting Facilities All States (Alcohol/Drug Testing, Diagnostics)

Professional Program Insurance Brokerage

Promont Insurance Advisors

All States

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 + DC, Puerto Rico, Virgin Islands

All States

Maverick Commercial Insurance Services All States

Monarch E&S Insurance Services Nationwide 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

Sabal Insurance Group, Inc. All States

TDC Specialty Underwriters

U.S. Risk, LLC

All States (varies based on program)

RPS Healthcare All States (includes Home Health, Assisted Living, Skilled Nursing)

Sports & Fitness Insurance Corporation All States

TAPCO Underwriters, Inc.

TDC Specialty Underwriters

U.S. Risk, LLC

All States

All States

Ultra Risk Advisors All States

USG Insurance Services, Inc. All States

Access

Admiral Insurance Group

All States

Advanced Professional Services, LLC DC

Affinity Healthcare

All States

Agency Marketing Services AL CA CO

Allsouth Professional Liability

Artex Risk Solutions, Inc.

Axis Insurance Services, LLC

Balance Partners

Multiple – please contact us.

All States

All States

All States except KY

Berkley Select | a Berkley Company All States

Braishfield Associates, Inc.

All States (Assisted Living, Home Healthcare, Mental Health)

Breckenridge Insurance All States

Brooks Insurance Agency

CapSpecialty

CID Insurance Programs, Inc.

Ck Specialty Insurance Associates

Cooper & McCloskey, Inc.

All States except HI

All States

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

All States except AK DC FL NY

Most States

Most States

All States (includes LTC & Assisted Living)

All States

USASIA Insurance Services AZ CA

XPT AZ CO FL NV OR TX UT WA

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

Agency Marketing Services

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

Agentic Insurance, LLC DC DE FL MD NJ NY PA V

All Solutions PBS, LLC

All States

Allsouth Professional Liability Multiple – please contact us.

American Specialty Agents Programs, LLC All States

AMIS/Alliance Marketing & Insurance Services All States

Amwins - 120 Offices Nationwide All States Anderson & Murison, Inc. Nationwide

Aon Affinity All States

Applied Financial Lines All States (Contractors especially)

ARMR.Network - Better Insurance By Design All States

Ashley General Agency TX

Aura Risk Management & Insurance Services Most States

Axis Insurance Services, LLC All States

Baker Insurance and Bonds, LLC

All States except KY

All States except NY Balance Partners

Berkley Select | a Berkley Company All States

Berkshire Hathaway GUARD Insurance Companies Most States

Braishfield Associates, Inc.

Breckenridge Insurance

All States

All States

Brooks Insurance Agency All States except HI Brown & Riding All States

Brownyard Group Most States

Business Risk Partners

All States

Capitol Special Risks, Inc. All States

CapSpecialty All States

CFC All States

Chubb

CID Insurance Programs, Inc.

Ck Specialty Insurance Associates

All States

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

All States except AK DC FL NY

Commercial Insurance Group dba Bigfoot Insurance Most States

Commercial Sector Insurance Brokers, LLC All States

Cooper & McCloskey, Inc.

CorRisk Solutions

Most States

All States (includes, Associations, Contractors & School Leaders)

Costanza Insurance Agency, Inc. All States (for Security Industry)

Coterie

All States except MA NY

CRC Insurance Services

All States

CRES Insurance Services, LLC Most States

Delta General Agency Corp. TX

Donald Gaddis Co., Inc. Insurance Svcs All States

DUAL North America

All States

eKo Specialty Insurance Services, Inc. CA FL MI NC NV

EMaxx Assurance Group of Companies, Inc. All States Erickson-Larsen, Inc. MN MT ND SD WI WY

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)

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

Hudson Insurance Group / Hudson Pro All States

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: A Division of Norman-Spencer All States

Irwin Siegel Agency All States

Synergy Professional Associates, Inc.

Target Professional Programs

Tejas American General Agency

The Hanover Insurance Group

All States

All State

AR LA NM OK TX

Most States

The Mechanic Group, All States (Security Guards, Alarm & a Division of Specialty Program Group, LLC Electronic Security firms, PI’s, Background Screeners)

Tokio Marine HCC Professional Lines Group All States

Tokio Marine/HCC

Travelers

All States

All States

U S E & O Brokers a Division of U S Risk, LLC All States

U.S. Risk, LLC

United Educators

All States

All States

USASIA Insurance Services AZ CA

USG Insurance Services, Inc. All States

Veracity Insurance Solutions, LLC All States

Western World Insurance Group Most States Woodlands Insurance Services, LLC Most States XPT AZ CA CO FL NV OR TX UT WA

Izzo Insurance Services, a Div of Hull & Company

All States (includes Security Guards/Patrol) J.E. Brown & Associates AZ CA NV OR UT

J.M. Wilson

All States except AK HI NY

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

Jencap - Locations Nationwide All States

Jencap Specialty Insurance Services – Buffalo Most States

Jimcor Agencies

All States except AK HI IA MT ND NE SD WY

Joseph Krar & Associates, Inc. CT MA ME NH RI

Keating Brokerage

All States

Kevin Dahlke Insurance Brokerage, Inc. Most States

Keystroke Underwriters

All States except HI

All Solutions PBS, LLC

All States

AMIS/Alliance Marketing & Insurance Services All State Anderson & Murison, Inc. Nationwide

Aon Affinity

All States

Aspera Insurance Services AZ CA CO FL ME MI NV OR TX VA WA

Baker Insurance and Bonds, LLC All States except NY

Berkley Select | a Berkley Company

Breckenridge Insurance

All States

All States

Landy Insurance Agency

All States except AK M.J. Hall & Company, Inc. AK AZ CA HI NV OR WA

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 Nationwide 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 DC DE MA MD ME NC NH NJ NY OH PA RI VA VT

Norman-Spencer Agency, Inc. All States

Norman-Spencer International, Inc. All States

OREP Insurance Services, LLC All States

Patriot National Underwriters, Inc. AR KS LA MS NM OK TX

Philadelphia Insurance Companies All States except LA

PL Risk Advisors, Inc. All States

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

Professional Underwriters Agency (PUA) All 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

Roush Insurance Services, Inc. IL IN OH

RPS Executive Lines All States

RPS Technology & Cyber All States

RT Specialty All States

Sabal Insurance Group, Inc. All 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, an XPT Company

All States (includes Agricultural Advisors & Farm Management PL)

SIS Wholesale Insurance Services All States (Contactors Specifically)

Southern Insurance Underwriters, Inc. CMGA AL FL GA MS NC SC TN

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

Brooks Insurance Agency All States except HI Business Risk Partners All States Cochrane and Company All States

Commonwealth Underwriters, Ltd. DC MD NC PA SC VA WV Cooper & McCloskey, Inc. AK AZ CA CO HI IL NV NY OH OR TX WA

CorRisk Solutions

All States

Donald Gaddis Co., Inc. Insurance Svcs All States Eaton Professional Insurance Services CA EMaxx Assurance Group of Companies, Inc. All States Erickson-Larsen, Inc. MN MT ND SD WI WY

Euclid Specialty Managers, LLC

All States (includes Labor PL Insurance) Executive Insurance Professionals, PLLC CA GA NM OK TX Gateway Specialty Insurance All States Great American Ins. Group - Executive Liab. Division All States Hudson Insurance Group / Hudson Pro All States Indemnity Excess & Surplus Agency, Inc. Western States

Irwin Siegel Agency

All States

J.E. Brown & Associates AZ CA NV OR UT

J.M. Wilson (Includes For Profit D&O)

All States except AK HI NY

Jacobs & Associates, Inc. OH Jencap - Locations Nationwide All States Joseph Krar & Associates, Inc. CT MA ME NH RI

Kinsale Insurance Company

Negley Associates

All States + DC, Puerto Rico, Virgin Islands

All States

NeitClem Wholesale Insurance Brokerage, Inc. AZ CA NV

Networked Insurance Agents

All States New England Excess Exchange, Ltd.. CT DC DE MA MD ME NC NH NJ NY OH PA RI

VA VT

Norman-Spencer Agency, Inc. All States Osprey Underwriters

Philadelphia Insurance Companies

Professional Insurance Concepts

All States

All States except LA

All States

Quirk & Company LA NM OK OR TX WA

RLI Insurance Company

Rockwood Programs, Inc.

All States

All States (varies based on program)

Roush Insurance Services, Inc. IL IN OH

RT Specialty

All States

Shelly, Middlebrooks & O’Leary, Inc. AL FL GA MS NC SC TX

Sierra Specialty, an XPT Company

SIS Wholesale Insurance Services

All States

All States

Southern Insurance Underwriters, Inc. CMGA AL FL GA MS NC SC TN

Specialty Insurance Managers, Inc. AR MO NM OK TX

U.S. Risk, LLC

United Educators

All States

All States

USASIA Insurance Services AZ CA

USG Insurance Services, Inc. All States

Victor Insurance Managers Inc. All States

Western World Insurance Group

Most States Woodlands Insurance Services, LLC Most States

Admiral Insurance Group

Advanced Professional Services, LLC

All States

CT DC FL GA MA MI NJ NY OH SC TX VA

Affinity Healthcare All States

Alliant Insurance Services

All States

Artex Risk Solutions, Inc. All States

Aspera Insurance Services

Breckenridge Insurance

Brooks Insurance Agency

AZ CA CO FL ME MI NV OR TX VA WA

All States

All States except HI

Brown & Riding All States

Cooper & McCloskey, Inc. Most States

Coverys All States

Donald Gaddis Co., Inc. Insurance Svcs All States

Elite Underwriters CA FL GA

Founders Professional All States except AK

Greenhill Insurance Services All States

Hallmark Financial Services, Inc. All States

IPA Risk Management, LLC All States

James Klein Insurance Service, Inc. Most States

James River Insurance Company All States

Keystone Insurance Services, Inc. TX

Kinsale Insurance Company

All States + DC, Puerto Rico, Virgin Islands

Maverick Commercial Insurance Services All States

Negley Associates All States

Philadelphia Insurance Companies All States except LA

ProSurance Group, Inc. All States

R.E. Chaix & Assoc. CA

Rockwood Programs, Inc.

All States (varies based on program)

RPS Healthcare All States

TDC Specialty Underwriters

U.S. Risk, LLC

Ultra Risk Advisors

XPT

Public

Company

All States (includes Dentists)

All States

All States

AZ CA CO FL NV OR TX UT WA

360 Coverage Pros

All States

Anderson & Murison, Inc. Nationwide

Aspera Insurance Services

AZ CA CO FL ME MI NV OR TX VA WA

Braishfield Associates, Inc. All States

Breckenridge Insurance All States Brooks Insurance Agency

All States except HI Brown & Riding

All States Business Risk Partners

Artex Risk Solutions, Inc. All States

Aspera Insurance Services

Breckenridge Insurance

AZ CA CO FL ME MI NV OR TX VA WA

All States

Brooks Insurance Agency All States except HI Chubb

All States

Cooper & McCloskey, Inc. Most States

CorRisk Solutions All States

Donald Gaddis Co., Inc. Insurance Svcs All States

EMaxx Assurance Group of Companies, Inc. All States

Euclid Public Sector Most States

Jencap - Locations Nationwide All States

Kinsale Insurance Company

All States + DC, Puerto Rico, Virgin Islands

Osprey Underwriters All States

Prime Insurance Company All 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

Sierra Specialty, an XPT Company All States

U.S. Risk, LLC

All States

Victor Insurance Managers Inc. All States

Western World Insurance Group Most States

All States Chubb

All States

CID Insurance Programs, Inc. AZ CA CO ID MD NE NM NV OR PA TN TX UT VA WA

Ck Specialty Insurance Associates

All States except AK DC FL NY

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) Donald Gaddis Co., Inc. Insurance Svcs All States Elite Underwriters CA FL GA

Erickson-Larsen, Inc. MN MT ND SD WI WY

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 Insurance By Design

Most States

Insurance Specialties Services, Inc. Most States

Intercorp: A Division of Norman-Spencer All States IPA Risk Management, LLC All States Jacobs & Associates, Inc. OH

Jimcor Agencies

Keating Brokerage

All States except AK HI IA MT ND NE SD WY

All States

Kevin Dahlke Insurance Brokerage, Inc. Most States

Keystone Insurance Services, Inc. TX

Kinsale Insurance Company

All States + DC, Puerto Rico, Virgin Islands Landy Insurance Agency

All States except AK (includes Real Estate Appraisers E&O)

MAXIMUM All States

McGowan, Donnelly & Oberheu, LLC (MDO) All States

National Association of Professional Agents (NAPA) All States NeitClem Wholesale Insurance Brokerage, Inc. AZ CA NV

New Age Underwriters Agency, Inc. All States Norman-Spencer Agency, Inc. All States

Number One Insurance Agency MA

OREP Insurance Services, LLC All States Osprey Underwriters 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

RLI Insurance Company

All States

Shelly, Middlebrooks & O’Leary, Inc. AL FL GA MS NC SC TX

Sierra Specialty, an XPT Company All States

SIS Wholesale Insurance Services All States

Southern Insurance Underwriters, Inc. CMGA AL FL GA MS NC SC TN

Specialty Insurance Managers, Inc. AR MO NM OK TX

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

Tokio Marine HCC Professional Lines Group All States

Tokio Marine/HCC

Travelers

U.S. Risk, LLC

All States

All States

All States

USASIA Insurance Services AZ CA

Victor Insurance Managers Inc. All States Western World Insurance Group Most States

Access E&S Insurance Services (VA) DC DE GA IL MD NC NJ NY OH PA SC TN TX VA

Admiral Insurance Group

Agentic Insurance, LLC

All Solutions PBS, LLC

All States

DC DE FL MD NJ NY PA VA

All States

Anderson & Murison, Inc. Nationwide

ARC West Coast Excess & Surplus Brokerage, LLC All States

Ashley General Agency TX

Axis Insurance Services, LLC

Braishfield Associates, Inc.

All States

All States (includes Cyber & Privacy)

Breckenridge Insurance All States

Brooks Insurance Agency All States except HI Brown & Riding All States

CapSpecialty All States CFC All States

Chubb All States

CID Insurance Programs, Inc. AZ CA CO ID MD NE NM NV OR PA TN TX UT VA WA

Ck Specialty Insurance Associates

Cochrane and Company

All States except AK DC FL NY

All States

Commercial Insurance Group dba Bigfoot Insurance Most States

Commonwealth Underwriters, Ltd. DC MD NC PA SC VA WV

Cooper & McCloskey, Inc.

CorRisk Solutions

Coterie

RT Specialty

All States

Sabal Insurance Group, Inc. All States

Shelly, Middlebrooks & O’Leary, Inc. AL FL GA MS NC SC TX

Sierra Specialty, an XPT Company All States

SIS Wholesale Insurance Services

All States

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

U.S. Risk, LLC

Most States

All States

All States except MA NY

CRC Insurance Services All States

Donald Gaddis Co., Inc. Insurance Svcs All States

Eaton Professional Insurance Services CA eKo Specialty Insurance Services, Inc. CA FL MI NC NV

EMaxx Assurance Group of Companies, Inc. All States

First Choice Insurance Intermediaries, Inc. Most States

Founders Professional All States except AK Fox Point Programs

Gateway Specialty Insurance

All States (varies based on class of business)

All States

Gumtree Wholesale Insurance Brokers, Inc. AL AR KS KY LA MO MS TN TX

Hudson Insurance Group / Hudson Pro All States Indemnity Excess & Surplus Agency, Inc. Western States

Intercorp: A Division of Norman-Spencer All States

IPA Risk Management, LLC All States

J.E. Brown & Associates AZ CA NV OR UT

All States

All States

USASIA Insurance Services AZ CA

Veracity Insurance Solutions, LLC All States

Western World Insurance Group Most States Woodlands Insurance Services, LLC Most States XPT AZ CA CO FL IL NV NY OR TX UT WA

Title

Agency Marketing Services

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

Axis Insurance Services, LLC All States

Breckenridge Insurance

All States

All States except HI Brown & Riding All States

Brooks Insurance Agency

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

All States except AK HI Insurance By Design Most States

Fox Point Programs

Intercorp: A Division of Norman-Spencer All States

Jamison Risk Services All States except AK NV

All States except AK HI NY Jacobs & Associates, Inc. OH

J.M. Wilson

Jencap - Locations Nationwide All States

Jimcor Agencies

All States except AK HI IA MT ND NE SD WY

Joseph Krar & Associates, Inc. CT MA ME NH RI

Keating Brokerage All States

Keystone Insurance Services, Inc. TX

MarketScout All States

McGowan, Donnelly & Oberheu, LLC (MDO) All States

Monarch E&S Insurance Services Nationwide 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 DC DE MA MD ME NC NH NJ NY OH PA RI VA VT

Osprey Underwriters

All States

Patriot National Underwriters, Inc. AR KS LA MS NM OK TX

Philadelphia Insurance Companies

PL Risk Advisors, Inc.

All States except LA (includes Integrated Technology)

All States

Professional Liability Ins. Svcs - Underwriting Facilities All States

Professional Underwriters Agency (PUA) 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

Roush Insurance Services, Inc. IL IN OH

RPS Executive Lines All States

RPS Technology & Cyber All States

Keystroke Underwriters All States except HI

MAXIMUM All States

Norman-Spencer Agency, Inc. All States

OREP Insurance Services, LLC All States

PL Risk Advisors, Inc. 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

Sierra Specialty, an XPT Company All States Synergy Professional Associates, Inc. All States

Tokio Marine HCC Professional Lines Group All States

Tokio Marine/HCC All States U.S. Risk, LLC All States

Victor Insurance Managers Inc. All States

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

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

Admiral Insurance Group

1000 Howard Blvd., Mount Laurel, NJ 08054

Phone: 856-429-9200

E-mail: MHowey@admiralins.com Website: www.admiralins.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

Affinity Healthcare 1100 Virginia Dr., Ste. 250, Fort Washington, PA 19034

Phone: 215-293-1191

E-mail: affinity@aon.com Website: www.aon.com/affinity

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 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

18100 Von Karman Ave., 10th Fl, Irvine, CA 92612

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 - 120 Offices Nationwide

See Website for Locations Headquarters - Charlotte, NC 28210

Phone: 704-749-2700

E-mail: marketing@amwins.com Website: www.amwins.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

Aon Affinity

200 E. Randolph St., Chicago, IL, 60601

Phone: 267-418-3410

E-mail: kristoffer.boyd1@aon.com Website: www.aonprograms.com

Applied Financial Lines

1120 Avenue of the Americas, 21st Fl, New York, NY 10036

Phone: 443-534-6060 ; Fax: 877-234-4425

E-mail: tdowen@auw.com Website: www.afl.auw.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

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

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

Aspera Insurance Services

2035 Maywill St., Ste. 100, Richmond, VA 23230

Phone: 804-593-3019

E-mail: marketing@asperains.com asperains.com/products/specialty/professional-liability/

Aura Risk Management & Insurance Services

944 Calle Amanecer, Ste. E, San Clemente, CA 92673

Phone: 949-749-8119

E-mail: submissions@aurarisk.com Website: www.aurarisk.com

Axis Insurance Services, LLC

795 Franklin Ave., Ste. 206, Franklin Lakes, NJ 07417

Phone: 201-847-9175 ; Fax: 201-847-9174

E-mail: info@axisins.com Website: www.axisins.com

Baker Insurance and Bonds, LLC

Las Vegas, NV

Phone: 702-906-0888

E-mail: help@yesbaker.com Website: www.yesbaker.com

Balance Partners

PO Box 2550, Huntington, NY 11750

Phone: 512-923-6278

E-mail: cjacobs@balanceuw.com Website: www.balanceuw.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/

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 AH, Wilkes-Barre, PA 18703

Phone: 570-825-9900 ; Fax: 570-823-2059

E-mail: csr@guard.com Website: www.guard.com

Boston Insurance Brokerage, LLC 28 State St., Ste. 2202, Boston, MA 02109

Phone: 617-556-7000 ; Fax: 617-556-7030

E-mail: Kdriscoll@bib-llc.com Website: www.bostonbrokerage.com

Boston Insurance Brokerage can find coverage for almost any hard-to-place risk. However, our practice groups are broken down into five key practice areas populated by experienced brokerage professionals: Property-Casualty and Environmental, Healthcare & Professional Liability, Executive & Professional Liability, Workers Compensation, and High Value Personal Lines.

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

3550 George Busbee Pkwy NW, Ste. 300 Kennesaw, GA 30144

Phone: 855-728-8822

E-mail: solved@breckis.com Website: www.breckis.com

Brooks Insurance Agency

6320 Canoga Ave., 12th Fl, Woodland Hills, CA 91367

Phone: 818-449-9062

E-mail: mmccluskey@brooks-ins.com Website: www.brooks-ins.com

Brooks offers Professional Liability to protect businesses and professionals from D&O, E&O, Cyber, and more. As an independent wholesaler, Brooks has the premium volume to create and maintain significant relationships, enabling a preferred partner status that results in priority attention to submissions and superior service. Contact Michael McCluskey at 818449-9062 or mmcluskey@brooks-ins.com for a quote today!

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

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. 200, San Mateo, CA 94404

Phone: 800-652-1772 ; Fax: 800-227-2090

E-mail: dcrouch@camico.com Website: www.camico.com

Capitol Special Risks, Inc.

1000 Parkwood Cir, Ste. 925, Atlanta, GA 30339

Phone: 770-618-1011 ; Fax: 770-956-9779

E-mail: ASedliak@csrisks.com Website: www.csrisks.com

CapSpecialty

800 W. 47th St., Ste. 515, Kansas City, MO 64112

Phone: 877-224-9748 ; Fax: 816-298-1301

E-mail: eospecialtynews@CapSpecialty.com Website: www.CapSpecialty.com/PL

CFC

85 Gracechurch St., London EC3V 0AA UK

Phone: 207-220-8500

E-mail: inbox@cfcunderwriting.com Website: www.cfcunderwriting.com

Chubb

202B Hall’s Mill Rd., Whitehouse Station, NJ 08889

Phone: 908-572-4392

E-mail: rcushing@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

Ck Specialty Insurance Associates - All Offices

See Website for Locations, Headquarters - San Jose, CA 95118

Phone: 800-411-0083 ; Fax: 408-227-7732

E-mail: yana@ckspecialty.com Website: www.ckspecialty.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

Commonwealth Underwriters, Ltd. 2112 W. Laburnum Ave., Richmond, VA 23227

Phone: 800-396-6226

E-mail: skoolhof@commund.com Website: www.commund.com

Coverys

One Financial Center, Boston, MA 02111

Phone: 800-225-6168 Website: www.coverys.com

CRC Insurance Services

See Website for Locations. HQ - Birmingham, AL 35209

Phone: 205-870-7790 ; Fax: 205-879-3739

E-mail: marketing@crcins.com Website: www.crcins.com

CRES Insurance Services, LLC

POB 29502 #69121, Las Vegas, NV 89126

Phone: 858-618-1648 ; Fax: 858-618-1655

E-mail: info@cresinsurance.com Website: www.cresinsurance.com

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

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

DUAL North America

1100 5th Ave. South, Ste. 301, Naples, FL 34102

Phone: 973-631-7575

E-mail: marketing@dualcommercial.com Website: www.dualna.com

Eaton Professional Insurance Services

17602 17th St., Ste. 102-120, Tustin, CA 92780

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

CorRisk Solutions

One Huntington Quadrangle, Ste. 4N20, Melville NY, 11747

Phone: 480-329-4919

E-mail: Marketing@CorRiskSolutions.com Website: www.corrisksolutions.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

Coterie

4455 Carver Woods Dr., Ste. 100, Cincinnati, OH 45242

Phone: 785-331-6694

E-mail: katherine.jones@coterieinsurance.com Website: www.coterieinsurance.com

Phone: 714-832-8649 ; Fax: 714-832-2586

E-mail: c.eaton@episi.net Website: www.episi.net

eKo Specialty Insurance Services, Inc.

PO Box 3365, 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

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

Euclid Public Sector

234 Spring Lake Dr., Itasca, IL 60143

Phone: 630-238-1900 ; Fax: 630-773-8590

E-mail: mail@euclidmanagers.com Website: www.euclidps.com

Euclid Specialty Managers, LLC 100 East Street SE, Ste. 204, Vienna, VA 22180

Phone: 571-730-4810 ; Fax: 571-730-4813

E-mail: jobrien@euclidspecialty.com Website: www.euclidspecialty.com

Executive Insurance Professionals, PLLC

6031 W. Interstate 20, Ste. 249, Arlington, TX 76017

Phone: 800-779-4095 ; Fax: 866-779-4331

E-mail: cheryl@execins.com Website: www.execins.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

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

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

Freberg Environmental, Inc. 1800 Wazee St., Ste. 300, Denver, CO 80202

Phone: 800-377-4152 ; Fax: 303-623-8101

E-mail: info@feiinsurance.com Website: www.feiinsurance.com

Gateway Specialty Insurance 1170 Devon Park Dr., Wayne, PA 19087

Phone: 877-977-4474

E-mail: info@gatewayspecialty.com Website: www.gatewayspecialty.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

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

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 GroupExecutive Liability Division

1450 American Lane, 8th Fl, Schaumburg, IL 60173

Phone: 847-330-6750 ; Fax: 513-929-6890

E-mail: ELD@gaig.com Website: www.GreatAmericanELD.com

Greenhill Insurance Services

4801 Woodway Dr., Ste. 235W, Houston, TX 77056

Phone: 832-413-4600

E-mail: ghsubmission@grnhll.com Website: www.grnhll.com

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

Hallmark Financial Services, Inc.

Two Lincoln Centre, 5420 LBJ Fwy, Ste. 1100 Dallas, TX 75240

Phone: 817-348-1600 Website: www.hallmarkgrp.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

Hudson Insurance Group / Hudson Pro 100 William St., 5th Fl, New York, NY 10038

Phone: 212-978-2800

E-mail: MSutton@HudsonInsGroup.com Website: www.hudsoninsgroup.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

Insurance Agents & Brokers Service Group, Inc.

650 Wilson Lane, Ste. 200, Mechanicsburg, PA 17055

Phone: 800-998-9644 Ext. 209 ; Fax: 717-795-8347

E-mail: iab@iabforme.com Website: www.iabforme.com

Insurance By Design 13465 Midway Rd., Ste. 202, Dallas, TX 75244

Phone: 866-840-8004 ; Fax: 214-217-2548

E-mail: mike@ibdpro.com Website: www.ibdpro.com

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

Intercorp: A Division of Norman-Spencer 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

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

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

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

J.E. Brown & Associates

303 Lennon Lane, Walnut Creek, CA 94598

Phone: 800-955-8213 ; Fax: 925-947-3978

E-mail: marketing@jebrown.net Website: www.jebrown.net

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

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

Jencap - Locations Nationwide

See website for all locations. HQ New York, NY 10018

Phone: 800-892-8892

E-mail: info@jencapgroup.com Website: www.jencapgroup.com

Jencap Specialty Insurance Services – Buffalo

295 Main St., Ste. 866, Buffalo, NY 14203

Phone: 800-333-7226 ; Fax: 800-677-6779

E-mail: ed.chadwick@jencapgroup.com Website: www.jencapgroup.com

Jencap Specialty Insurance Services (Environmental)

2400 E. Katella Ave., Ste. 800, Anaheim, CA 92806

Phone: 949-390-4725

E-mail: nancy.huynh@jencapgroup.com Website: jencapgroup.com/environmental

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: emailrec@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: bantrim@keating.insurance Website: www.keating.insurance

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

Keystone Insurance Services, Inc.

PO Box 9127, Austin, TX 78766

Phone: 512-257-8000

E-mail: info@mykeystoneins.com Website: www.MyKeystoneIns.com

Keystroke Underwriters

1000 Parkwood Cir, Ste. 925, Atlanta, GA 30339

Phone: 770-618-2840 ; Fax: 404-446-1501

E-mail: Robert@keystrokeins.com Website: www.keystrokeins.com

Kinsale Insurance Company 2035 Maywill St., Ste. 100, Richmond, VA 23230

Phone: 804-289-1300 ; Fax: 804-673-5697

E-mail: marketing@kinsaleins.com Website: www.kinsaleins.com

Lawyer’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: 818-746-2019

E-mail: mathew.meadows@mjhall.com Website: www.mjhall.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

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

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

National Insurance Underwriters

800 W. Yamato Rd., Boca Raton, FL 33431

Phone: 800-338-2680 Ext. 299 ; Fax: 561-226-1123

E-mail: eandobiz@nationsafedrivers.com Website: www.nsdmc.com

Negley Associates

389 Interpace Pkwy, 4th Fl, Parsippany, NJ 07054

Phone: 862-286-3550 ; Fax: 866-865-5655

E-mail: info@jjnegley.com Website: www.jjnegley.com

NeitClem Wholesale Insurance Brokerage, Inc.

7442 N Figueroa St., Los Angeles, CA 90041

Phone: 323-258-2600 ; Fax: 323-258-2676

E-mail: jcenteno@neitclem.com Website: www.neitclem.com

Networked Insurance Agents

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

New Age Underwriters Agency, Inc.

1981 Marcus Ave., Ste. C108, Lake Success, NY 11042

Phone: 516-488-2500 ; Fax: 516-488-2508

E-mail: m.ascher@newageins.com Website: www.newageins.com

New England Excess Exchange, Ltd. 57 Parker Rd., Barre, VT 05641

Phone: 800-548-4301 ; Fax: 800-347-4935

E-mail: marketing@neee.com Website: www.neee.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

Norman-Spencer International, Inc.

150 E. 22nd St., Lombard, IL 60148

Phone: 800-842-3653 ; Fax: 630-705-1056

MAXIMUM

222 S. Riverside Plaza, Ste. 2340, Chicago, IL 60606

Phone: 312-466-4877

E-mail: pato@maxib.com Website: www.maxib.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

Landy Insurance Agency

100 River Ridge Dr., Ste. 301, Norwood, MA 02062

Phone: 800-336-5422 ; Fax: 800-344-5422

E-mail: joanmarie@landy.com Website: www.landy.com

Leading national program manager for Real Estate Agents & Brokers, Appraisers and Accountants

Professional Liability insurance programs with cov erage 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.

Monarch E&S Insurance Services

2550 N. Hollywood Way, Ste. 501, Burbank, CA 91505

Phone: 818-249-0100 ; Fax: 818-249-1166

E-mail: spencerb@monarchexcess.com Website: www.monarchexcess.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

E-mail: gretchen@normanspencer.com Website: www.normanspencer.com

Number One Insurance Agency 91 Cedar St., Milford, MA 01757

Phone: 508-634-2900 ; Fax: 508-634-2930

E-mail: atobin@massagent.com Website: www.massagent.com

OREP Insurance Services, LLC

6353 El Cajon Blvd., Ste. 124-605, San Diego, CA 92115

Phone: 888-347-5273

E-mail: info@orep.org Website: www.orep.org

Osprey Underwriters

777 W. Putnam Ave., Greenwich, CT 06830

Phone: 203-489-3400

E-mail: quotes@osreyuw.com Website: www.osreyuw.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

Professional Underwriters Agency (PUA)

2803 Butterfield Rd., Ste. 260, Oak Brook, IL 60523

Phone: 630-861-2330

E-mail: nsmmarketing@nsminc.com Website: www.puainc.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

Philadelphia Insurance Companies

One Bala Plaza, Ste. 100, Bala Cynwyd, PA 19004

Phone: 800-873-4552 ; Fax: 610-617-7940

E-mail: phlysales@phlyins.com Website: www.phly.com

Philadelphia Insurance Companies, a Member of the Tokio Marine Group, designs, markets, and underwrites commercial property/casualty and professional liability insurance products incorporating value added coverages and services for select industries.

PL Risk Advisors, Inc.

795 Franklin Ave., Ste. 210, Franklin Lakes, NJ 07417

Phone: 201-847-9175 ; Fax: 201-847-9174

E-mail: msmith@plrisk.com Website: www.plrisk.com

Prime Insurance Company

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

4870 Sadler Rd., Ste. 102, Glen Allen, VA 23060

Phone: 800-586-6502 ; Fax: 804-272-7852

E-mail: glester@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

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

ProSurance Group, Inc

2685 Marine Way, Ste. 1408, Mountain View, CA 94043

Phone: 650-428-0818 ; Fax: 650-428-0860

E-mail: financialservices@prosurancegroup.com Website: www.prosurancegroup.com

ProWriters

70 E. Lancaster Ave., Ste. 102 Malvern, PA 19355

Phone: 484-321-2335 ; Fax: 484-321-2339

E-mail: info@prowritersins.com Website: www.prowritersins.com

Psych Professional Liability, a div of Frenkel & Company

210 Hudson St., 6th Fl, Jersey City, NJ 07311

Phone: 201-356-0057 ; Fax: 201-356-0055

E-mail: khegel@frenkel.com Website: www.frenkel.com

Quadrant Insurance Managers

501 W. Schrock Rd., Ste. 301, Westerville, OH 43081

Phone: 614-841-1425 ; Fax: 614-841-1426

E-mail: productinfo@quadrant-us.com Website: www.quadrant-us.com

Quaker Special Risk, 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

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

RPS Executive Lines

525 W. Van Buren, Ste. 1325, Chicago, IL 60607

Phone: 312-803-6058

E-mail: executivelines@rpsins.com Website: www.rpsins.com/executivelines

RPS Healthcare

550 W. Van Buren, Ste. 1200, Chicago, IL 60607

Phone: 312-803-6014 ; 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: Estelle_Cummings@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

Ryan Specialty National Programs

10150 York Rd., 5th Fl., Hunt Valley, MD 21030

Phone: 800-366-5810 ; Fax: 410-828-8179

E-mail: programs@ryansg.com Website: www.RyanPrograms.com

Sabal Insurance Group, Inc.

1000 E. Broward Blvd., Fort Lauderdale, FL 33301

Phone: 954-828-9948 ; Fax: 954-828-9949

E-mail: info@sabalinsurance.com Website: www.sabalinsurance.com

Professional Directory - Alphabetical Directory of Markets

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 & O’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, an XPT Company 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

Specialty Insurance Managers, Inc. 8601 RR 2222, Bldg I, Ste. 400, Austin, TX 78730

Phone: 800-876-3278 ; Fax: 877-399-2720 E-mail: kfern@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: ablankenship@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 Program 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

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

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 - 914-242-7865 - evelasquez@tmhcc.com Website: www.tmhcc/#liability

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, 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

Ultra Risk Advisors

400 112th Ave. NE, Ste. 325, Bellevue, WA 98004

Phone: 425-450-1090 ; Fax: 425-450-1026

E-mail: info@ultrariskadvisors.com Website: www.ultrariskadvisors.com

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: 844-467-5465 ; Fax: 724-265-5751

E-mail: getconnected@usgins.com Website: www.usgins.com

Veracity Insurance Solutions, LLC

260 S. 2500 W, Ste. 303, Pleasant Grove, UT 84062

Phone: 801-763-1375 ; Fax: 801-763-1374

E-mail: cam@veracityins.com

Web: veracityinsurance.com/professional-liability-insurance

Victor Insurance Managers Inc.

7700 Wisconsin Ave., Ste. 400, Bethesda, MD 20814

Phone: 301-961-9800 ; Fax: 301-951-5444

E-mail: info.us@victorinsurance.com Website: www.victorinsuranceus.com

XPT

5800 Granite Pkwy, Ste. 300, Plano, TX 75024

Phone: 888-977-3255 ; Fax: 972-702-0504

E-mail: mark.kaufman@xptpartnersllc.com Website: www.xptspecialty.com

Western World Insurance Group

400 Parson’s Pond Dr., Franklin Lakes, NJ 07417

Phone: 201-847-8600 ; Fax: 201-847-1010

E-mail: marketing@westernworld.com Website: www.westernworld.com

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

National

The Hilb Group appointed Darren Cohen to the new posi tion of senior vice president, Carrier Relations and Insurance Strategy.

Cohen came to Hilb Group, headquartered in Richmond, Virginia, in December 2020, when Hiram Cohen & Son Inc. joined the company. He has more than 25 years of experience.

Environmental specialty MGA Magnolia Grove Insurance Services added three senior hires following its launch in early August.

Richard Edwards joins Magnolia Grove as chief underwriting officer, having previously held the role of senior underwriter, environ mental, at Dual North America.

Kevin Fussell assumes the role of vice president. Fussell joins Magnolia Grove from Dual Commercial LLC where, since 2019, he held the role of senior environmental underwriter.

Joliana Hodges also joins the team as senior underwriter from Dual North America, having spent close to four years gaining experience in environmental underwriting.

Liberty Mutual Insurance appoint ed Kevin Smith as president of Global Risk Solutions (GRS) North America. Smith has more 30 years of experience across prop erty, casualty and specialty insurance, most recently as president and chief operating officer of CNA’s specialty business.

East WestfieldPro of Westfield Specialty, headquartered in Westfield, Ohio, named Sara Trokan as senior vice president, specialty claims. She previous ly served more than 17 years in financial and professional lines claims at Chubb.

Chris Blough has been named president of Synergy Comp Insurance Co., headquartered in Sharon, Pennsylvania. Blough has served as the president of a commercial finance company, the CEO of a credit union, and most recently the CEO of Mennonite Mutual Insurance Co.

Lew Kachul is stepping down as president but will continue with the organization as CEO.

Bill Stedman joined insurance broker Lockton in its Northeast region as president of people solutions in Philadelphia. In this role, Stedman will lead an employee benefits team in the Center City and Blue Bell offices.

Stedman has worked in employee benefits for 20 years. Before joining Lockton, he spent 15 years with Trion/ MMA, most recently serving as national private equity practice leader.

Michael J. Andersen joined Choice Financial Group in Virginia Beach, Virginia, as president and chief oper ating officer.

Andersen has 37 years of experience, including 20 years as a partner at William Gallagher Associates, and

most recently, as president of AssuredPartners’ New Jerseybased lawyers practice and wholesale operations.

Midwest

Gary Wagner joined Alliant Insurance Services as a first vice president of Alliant Power. Wagner has been in the insurance industry for 24 years with the last 13 years as an account executive focused on the power sector. His industry experience includes traditional U.S. markets, as well as London, Bermuda and the industry-specific mutual. He is an Accredited Adviser in Insurance (AAI) and Associate in Claims (AIC).

St. Louis, Missouri-based Powers Insurance & Risk Management hired three new team members.

Maggie Stringer, commercial account manager, has 20 years of insurance industry experience as both a claims account manager and liability claims adjuster.

Sierra Brown, commercial account processor, previously worked as a patient safety assistant at St. Louis Children’s Hospital.

Crystal Swanigan, claims advocate manager, has over 30 years of insurance industry experience.

The Kansas Association of Insurance Agents (KAIA) added Valerie Gardner as

marketing manager. Previously, Gardner was the marketing operations manager at Outlook Business Solutions and corporate marketing manager at Securities America Inc. She has over 20 years of marketing experience.

H.W. Kaufman Group promoted Chris Zoidis to president and CEO of Atian Insurance Companies.

Zoidis began his career in commercial property/ casualty underwriting before spending nearly a decade with Deloitte Consulting. He joined Kaufman in 2007, advancing to oversee the Burns & Wilcox special risk underwriting division and expert practice groups.

Zoidis will continue serving as a Kaufman executive vice president, guiding the compa ny’s London strategy as well as its international businesses that span the U.K, Europe and South America.

The company also promoted Jessalynn Suda to vice president, reporting to Zoidis. She joined Kaufman 15 years ago, and has played a significant role in Atain’s growth and strong underwriting results.

Southeast

Lockton, a global brokerage firm that provides insurance and employee benefits, named two new executives in its Tennessee region.

Jay Brown, with 25 years of

Kevin Smith

Michael Andersen

Maggie Stringer

Chris Zoidis

Jessalynn Suda

Crystal Swanigan

experience, will be president in Lockton’s Nashville and Memphis offices. He will oversee culture, performance and business growth, as well as client relations.

Lockton also named Barry Boster vice president and producer in the Nashville office. For almost 30 years, Boster has worked in the healthcare arena for Cigna, Humana and Mercer.

Insurance broker McGriff named Arkansas-area executive Will Thames to lead its operations in Charlotte, North Carolina. Before joining McGriff, Thames

September 19, 2022

Yosemite Insurance Company 221Dawson Road, 2nd Floor Columbia, SC 29223

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 request ed 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.

was an executive vice president at Brown and Brown in Florida.

McGriff also hired Jason Dockery as senior vice president for its real estate and hospitality practice. Dockery previously oversaw real estate and hospitality practice for a global insurer. He has 20 years of experience in the P/C industry.

West

Alliant Insurance Services named Eric Kaufman a senior vice president in its employee benefits group. He is based

September 19, 2022

Great Bay Insurance Company 8025 Black Horse Pike, Suite 400 West Atlantic City, NJ 08232

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 request ed 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.

in Los Angeles. Prior to joining Alliant, Kaufman was a senior vice president with a national insurance brokerage and consulting firm.

September 19, 2022

Accelerant National Insurance Company 1209 Orange Street Wilmington, DE 19801

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 request ed 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.

Advertisers Index

September 19, 2022

First National Title Insurance Company 2400 Dallas Parkway #200 Plano, TX 75093

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 request ed 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.

September 19, 2022

Spinnaker Insurance Company

1 Pluckemin Way Ste 102 Bedminster, NJ 07921

The above company has made application to the Division of Insurance to amend their Foreign Company License to transact Property and Casualty Insurance in the Commonwealth of Massachusetts.

Any person having any information regarding the company which relates to its suitability for the license or authority the applicant has request ed 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.

ANE - Agency Network Exchange, LLC www.ane-agents.com E1 Applied Underwriters www.auw.com 2, 3, 52 Deep Customer Connections www.deepcc.com 11 Golden Bear Insurance www.goldenbear.com 17 Hudson Insurance Company www.hudsoninsgroup.com 13 Insurance Associates of America www.iaanetwork.com 21 Insurbanc www.insurbanc.com 29 Iroquois Group www.iroquoisgroup.com 5

JM Wilson www.jmwilson.com W4 ; S2; M2 M.J. Hall & Company www.mjhallandcompany.com W1

Monarch E&S Insurance Services www.monarchexcess.com W3 Nationwide Mutual www.nationwide.com 25 PersonalUmbrella.com www.personalumbrella.com 20 Prime Insurance www.primeis.com 14 ProAssurance Companies www.proassurance.com 19

RPS - Risk Placement Services www.rpsins.com W2

SIAA www.siaa.net 8, 9 Texas Mutual www.texasmutual.com SC1

The AC Companies www.jointheac.com 1 The Hartford www.thehartford.com 7

Closing Quote

To Maximize Performance, Motivate the Entire Team

The insurance sector is crowded and com petitive. Products are complex and the customer journey is complicated. You need motivation to push through these potential barriers to success. Insurance isn’t sold by just one person. Everyone plays a role in business success, so it makes good business sense to motivate and reward the whole team.

Sales Are a Team Sport

On the surface, rewarding an entire team makes sense. From the marketing person to the receptionist to the underwrit ers, insurance needs a team. But motivating a group, versus only a broker or agent, adds another complication. Maybe an annual cruise for the top salesperson and their family was sufficient motivation. But now that you’re looking at an entire team, will that one item

create enough motivation? Likely not.

It’s important to create a holistic experience in which everyone can participate and be motivated. A combination of long-term incentives, like a cruise, mixed with short-term incentives, like the opportunity to select a gift of their choice, creates the variety to appeal to different personality types and different levels of achievement.

Avoid

Cash as king. It seems like it would or should be the ultimate motivator, but cash frequently goes toward everyday needs, diminishing the feeling of being rewarded.

In a study by the Incentive Research Foundation (IRF), 83% of respondents said it is a treat to receive redeemable points from work and 80% agree it feels like receiving a gift when receiving points over cash rewards.

One size fits all. A points program should be combined with other factors. Simply having one type of reward (even though points can be

redeemed for a multitude of items) will likely lose its luster over time.

Everyone gets a turn. It can be tempting to want to treat everyone in the same way. You don’t want to play favorites, but if the team sees this as a “rotation reward” then it loses its meaning. They’ll feel like they received something because it was “their turn” versus receiving something because they did an outstand ing job.

Absolutely Do!

Recognize your team for great work when you see it and tell them specifically why you’re rewarding them. Don’t wait until a service anniversary or year-end performance review. Recognition should be just as routine as checking the numbers; it should be specific and done by all members of the team (not just leaders).

Link recognition to the right behavior. Yes, your top salesperson may get rewarded more frequently but you’ll see better results when you move your mid-range performers. A top performer typically performs well from innate motivation: they’re wired to reach goals. Take a closer look at average performers and create incentives to motivate them.

Rewards aren’t just things Knowing their work was seen and appreciated can pull people into the team, instead of feeling like they’re “just” a support person. It can be harder to pay attention to an

entire team rather than one star performer, but when people feel truly appreciated, they’ll want to contribute to the firm's success.

On a more tactical level, a successful team incentive program needs three key ingredients: Strategy. Start with strategic long-term and short-term goals, then link the desired behaviors to those goals. As you create goals yearly, evalu ate the success of the reward program, too. Static strategies don’t work, and neither do static rewards.

Regular Communication. Make sure you share not just the kick-off of your program (the what, why and how), but proactively position the rewards through reminders. A leading insurer in the Midwest communicates to participants (independent agents) monthly with reminders and nudges to redeem points. Those emails are opened at rates near 40% and almost no one has opted out. That’s an incredibly high readership, considering the generally accepted open rate percentage for email campaign success is 15% – 25%.

Outsource Technology. Keeping a spreadsheet and going out to buy gift certificates is not a good use of time. People expect apps with choices and tracking, to name just a few criteria. Look for a partner who has mobile-first design that mirrors the apps we all use, in terms of ease of use and features.

Williams is the strategic marketing manager at One10.

By Robin Williams

Advancing Cannabis Legitimacy & Promise for Pros