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Idea Exchange
Exploring AI: Fascination with AI, Not Fear Will Drive Success for Independent Agents
Spotlight: Nuclear Verdicts Surge to $14.5 Billion in 2023, Report Shows
Spotlight: Social Inflation Key Factor in Rise of Loss Severity: AM Best
Cabin Pressure: A Firsthand Examination of the Realities of Airline Worker Risks
Closing Quote: How to Embrace Compensation Transparency
4 | INSURANCE JOURNAL | JUNE 3, 2024 INSURANCEJOURNAL.COM Departments 6 Opening Note 12 Figures 13 Declarations 14 Business Moves 16 People News & Markets 10 Insurance Research Council: Home Insurance Spend Tops Household Income Growth 11 Staffing Shortages, Reduced Training Fuel Risks for Company Drivers 18 US Workers’ Comp Line Still Showing Strong Profits, Lower Claim Frequency 18 CIAB:
Premiums Increase 7.7%
Q1 2024
Commercial P/C
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June 3, 2024 • Vol. 102 No. 10 Contents
Special Report: Get an Education on School Liability and Property Risks
2024 Program Directory, Summer Edition
Auto Insurance Shopping
When it comes to understanding why auto rates are up, I feel fairly knowledgeable. After all I spend my working life reviewing and reporting on the property/casualty insurance world, so I hear the industry explain again and again why personal auto insurance rates are on the rise — social inflation, more expensive vehicles to repair, driver distraction, and so on.
But that didn’t stop my “sticker shock” this year when I received my personal auto insurance renewal. Like so many of your own customers, I reached out to my agent to see what they could do. After all, my “risk profile” is pretty darn good. No claims in 25 years-plus. And so I shopped, a little. What I found was — nothing better was available. Sure I might save a few bucks but that savings wouldn’t be enough for me to leave my trusted, long-time agent.
However, to most consumers I would imagine that few bucks might get them to jump ship to a new agent or company. In fact, the number of U.S. consumers who shopped for auto insurance grew 6% in the first quarter 2024 compared to the same period in 2023, according to research from TransUnion.
The report, which shows shopping in the West and Midwest was particularly active in the quarter, blames rising costs of living in both regions as the likely cause of the spike. It shows auto insurance shopping was up 12.1% in the Midwest and 10.3% in the West.
The report also shows 23% of consumers indicated plans to purchase or lease a vehicle to replace an existing one within the next 12 months, an increase from 17% in 2023.
Auto insurance shopping was up 12.1% in the Midwest and 10.3% in the West.
This is the second report in recent weeks indicating insurance shopping is on the rise. LexisNexis’ Insurance Demand Meter report shows a continued surge in new auto insurance policies.
In that report, consumer auto insurance shopping activity registered as “Hot” on the LexisNexis Insurance Demand Meter, as quarterly year-over-year shopping grew 2.9% for Q1 2024 (slowing slightly from last quarter’s 4.7% increase year-over-year).
The LexisNexis report said that when comparing all years back to 2021, consumers most likely to be retained by their existing insurance company — or those who have been loyal for more than 10 consecutive years — comprised less than 20% of the shopper pool. Through Q1 2024, this cohort has grown to 24% of total shoppers.
That’s me. After 20-plus years with my current agent I have never shopped — until this year.
Adam Pichon, senior vice president, global analytics, LexisNexis Risk Solutions, advised insurers to consider implementing stronger retention strategies, including more proactive and selective monitoring of their renewal books to help identity and retain long-term, loyal policyholders.
I think this is likely a good strategy for independent agencies as well. Agents, take great care of those long-term clients — they will stick around even with today’s high insurance prices.
Andrea Wells V.P. of Content
Chairman of the Board Mark Wells | mwells@wellsmedia.com
Chief Executive Officer Joshua Carlson | jcarlson@insurancejournal.com
ADMINISTRATION / CIRCULATION
Chief Financial Officer
Terry Freeburg | tfreeburg@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
Executive Editor Emeritus Andrew Simpson | asimpson@wellsmedia.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
Content Editor Allen Laman | alaman@wellsmedia.com
Assistant Editor
Jahna Jacobson | jjacobson@insurancejournal.com
Copy Editor Stephanie Jones | sjones@insurancejournal.com
Columnists & Contributors
Contributors: Julie Bingham, Sarah Thomas Columnists: Tony Caldwell
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
Digital Content Manager
Ashley Cochrane | acochrane@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
6 | INSURANCE JOURNAL | JUNE 3, 2024 Write the Editor: awells@insurancejournal.com
Opening Note
SUBSCRIPTIONS: Call (855) 814-9547 or visit ijmag.com/subscribe Outside the US, call (847) 400-5951 Insurance Journal, The National Property/Casualty Magazine (ISSN: 00204714) is published 22 times annually by Wells Media Group, Inc., 3570 Camino del Rio North, Suite 100, San Diego, CA 92108-1747. Periodicals Postage Paid at San Diego, CA and at additional mailing offices. SUBSCRIPTION RATES: $17.95 per copy, $27.95 per special issue copy, $195 per year in the U.S., $295 per year all other countries. DISCLAIMER: While the information in this publication is derived from sources believed reliable and is subject to reasonable care in preparation and editing, it is not intended to be legal, accounting, tax, technical or other professional advice. Readers are advised to consult competent professionals for application to their particular situation. Copyright 2024 Wells Media Group, Inc. All Rights Reserved. Content may not be photocopied, reproduced or redistributed without written permission. Insurance Journal is a publication of Wells Media Group, Inc. POSTMASTER: Send change of address form to Insurance Journal, Circulation Dept, PO Box 708, Northbrook, IL 60065-9967 ARTICLE REPRINTS: Contact (800) 897-9965 x125 or visit insurancejournal.com/reprints
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News & Markets
Insurance Research Council: Home Insurance Spend Tops Household Income Growth
By Chad Hemenway
According to the Insurance Research Council (IRC), the average homeowners insurance expenditure has become less affordable for U.S. consumers over time.
Looking at the the years 2001 to 2021 — the latest year in which relevant data is available — homeowners spent about 2% of household income on homeowners insurance, with what the IRC called “striking disparity” between states. The U.S. average expenditure on homeowners insurance increased from $508 in 2001 to $1,411 in 2021, or a 5% annualized rise.
The IRC’s analysis, meant to be a resource guide for policymakers looking to improve affordability, measures homeowners insurance affordability by calculating the ratio of average homeowners insurance expenditures (from data derived from the National Association of Insurance Commissioners) to median household income.
For instance, Utah is the most affordable state with consumers spending 0.96% of
household income on home insurance.
Florida ranks as the least affordable, with consumers per household paying slightly more than 4% — more than double the national average — on home insurance, the IRC’s analysis concluded. Louisiana had held the distinction of the least
affordable state for many years but the state improved in 2021 due to a drop in median household income to offset an 11% increase in insurance spending.
The IRC concluded that from 2001 to 2021, homeowners insurance expenditures showed a general upward trend, driven by factors such as natural disasters, economic conditions, rising construction costs, and litigation activity in some states.
Meanwhile, the average household income also grew during the same time. However, the IRC found, the increase in insurance spend outpaces the increase in household income, with an annualized growth rate of 2.5%. It is important to note the report does not include the rapid increases in insurance rates since 2021, IRC said.
“An understanding of what drives the cost of insurance is essential for consumers navigating the current insurance market,” said Dale Porfilio, president of the IRC and chief insurance office for the Insurance Information Institute (Triple-I). “Efforts to promote homeowner awareness and adoption of protective measures, strengthen state and local building codes, and encourage community resilience programs can all improve insurance affordability.”
10 | INSURANCE JOURNAL | JUNE 3, 2024 INSURANCEJOURNAL.COM
News & Markets
Staffing Shortages, Reduced Training Fuel Risks for Company Drivers
Increased distractions, staffing shortages and safety risks mean that 60% of company drivers are worried about their personal safety and liability behind the wheel. Over half have been involved in or witnessed an accident in the past year.
According to Nationwide’s Agency Forward Driving Behaviors 2024 Survey Findings, company drivers face increased distractions and safety risks on the road, which are aggravated by staffing shortages, longer hours and a reduced focus on safety.
Staffing shortages are a significant issue, according to 40% of drivers, leading to increased workloads (61%), longer hours (58%) and more difficulty meeting deadlines (47%). These increased work demands exacerbate distracted driving, leading 55% of drivers to take calls while driving (compared to 34% of consumers), while 30% read or respond to texts while behind the wheel. Nearly one in five read work emails (18%) or respond to work emails (16%) while on the road.
To compensate for driver shortages, 42% of drivers said their employer has reduced hiring criteria, 39% said employee training has suffered and 34% said there’s less focus on safety.
The survey found 34% of company drivers “often or sometimes” feel distracted while driving for work purposes. Distractions are caused mainly by operating GPS/navigation systems (55%) and interacting with radio or music systems (41%). More than a quarter (27%) also daydream behind the wheel and 13% check social media apps.
One-fifth of drivers reported that their company has a total ban on cell phone use while driving (20%), but 21% say there is no policy or monitoring. More than half (57%) said their company enforces a “hands-free” policy.
Still, 91% said that employees are aware of the impact driving incidents have on the company. Eighty-five percent said management prioritizes road safety and that the threat of potential driving incidents or accidents impacts how they drive.
Nearly 75% of drivers want management to increase the training being provided to drivers to help prevent accidents and improve safety. Drivers are also over-
whelmingly supportive of technology like dash cams and telematics, but only 38% said their employer requires a dash cam or monitors their driving with telematics.
Count
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Figures
$200,000
The worth of a diamond ring stolen from a Tiffany store in New York by a jewel thief who is wanted in connection with crimes committed from Florida to South Korea, according to New York authorities. The thief switched the diamond ring with a cubic zirconia replica after asking an employee to let him see several pieces, according to the complaint. He left without buying anything. Tiffany employees later discovered during a routine inventory that the diamond ring had been replaced by the fake.
700
The approximate number of preliminary tornado reports that had been filed in the U.S. as of May 9. The number is above the historical average of 549 for the time of year, according to AccuWeather Global Weather Center. Texas lead all states with 68 reported tornadoes, followed by Iowa (64), Ohio (60), Kansas (57) and Nebraska (50). Tornadoes aren’t limited to Tornado Alley, either. States from California to New York have seen reported tornadoes, including 34 in Florida.
The number of Southern California residents who have been charged with conspiring to create fraudulent insurance claims to illegally collect more than $350,000. An investigation by the Inland Empire Automobile Insurance Task Force reportedly discovered a large-scale organized auto insurance fraud ring engaged in multiple schemes, including holding vehicles hostage and collusive collisions. The suspects are being charged with insurance fraud, grand theft by trick, and false impersonation.
$1 Million
The amount Heritage Property & Casualty Insurance Co. has been fined by the Florida Office of Insurance Regulation for failing to properly handle hundreds of claims after Hurricane Ian. Heritage officials have agreed to pay the fine plus $10,000 in administrative costs, according to a May 9 consent order signed by Heritage executives and OIR officials. The fine is reported to be one of the largest imposed by Florida’s insurance regulators.
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15
Declarations
The Bee Stings
“The guys did get stung on a regular basis. Everyone got stung at least a couple of times.”
— Fire Chief Travis Leary, of Clinton, Maine, said of first responders who had worked to ensure that the 15 million honeybees that were in hives strapped on tractor-trailer that crashed and overturned on Interstate 95 were safe. The bees, used to pollinate blueberry fields, were mostly contained. Leary, who suffered several bee stings, said responders didn’t immediately realize bees were the truck’s cargo. The driver was taken to the hospital as a precaution.
Farmers in California
“Farmers has operated in California for nearly a century, and while challenges remain, we are encouraged by the positive changes taking place in the state’s commercial insurance marketplace.”
— Eric Coleman, president of Business Insurance for Farmers Insurance, said in a statement after the company announced it will resume accepting new business commercial multi-peril applications for auto service and repair, habitational, manufacturing, real estate and wholesale distribution policies in California. Farmers had previously lifted its temporary moratorium on writing new commercial automobile insurance policies in the state.
Everybody at Risk
“Everybody in Florida is at risk.”
— Michael Brennan, director of the National Hurricane Center, said while visiting Sanford, Florida, a landlocked city in the middle of the Sunshine State. Brennan was among the U.S. officials who predict, prepare for and respond to natural disasters who visited Sanford, bringing a message for all Floridians: It’s not a matter of if a hurricane will hit, but when. The 2024 hurricane season is expected to be busier than average, according to forecasters.
Strengthen Oklahoma Homes Act
“I am grateful to legislative leaders and the Governor for understanding our goal to help Oklahoma consumers reduce their homeowners insurance rates and fortify their homes against mother nature.”
— Oklahoma Insurance Commissioner Glen Mulready said after Gov. Kevin Stitt signed into law the Strengthen Oklahoma Homes Act, which aims to provide financial grants to construct or retrofit homes, making them more resilient against the destructive forces of tornadoes, windstorms and hail. Grants will be made available by the Oklahoma Insurance Department to residential property owners who meet specific eligibility criteria.
Full Replacement Coverage
“Requiring full replacement coverage and an annual verification would come at a higher cost and may not always be the best choice for homeowners.”
— Jimi Grande, with the National Association of Mutual Insurance Companies, said after Fannie Mae and Freddie Mac decided to hold off on an apparent plan to scrutinize mortgages on homes that don’t carry full replacement value insurance coverage. The decision “creates an opportunity to speak with insurers and other stakeholders to gather more information about the problem of underinsurance, what they can do to help, and how they can best go about it,” Grande said in a statement.
‘No Authority’
“EEOC has no authority to resolve these highly controversial and localized issues, which are properly reserved for Congress and the states.”
— A lawsuit filed by 18 Republican-led U.S. states seeks to block the U.S. Equal Employment Opportunity Commission from enforcing broad legal protections for transgender workers. The complaint filed in federal court in Knoxville, Tennessee, alleges the federal workplace bias agency lacks the power to assert that federal law requires employers to use transgender workers’ preferred pronouns and allow them to use bathrooms that match their gender identity. The EEOC in its guidance says denying accommodations to transgender workers amounts to workplace harassment based on sex.
JUNE 3, 2024 INSURANCE JOURNAL | 13 INSURANCEJOURNAL.COM
Business Moves
National
Neptune Flood, Charles River Data
Private flood insurer Neptune Flood reported it acquired Charles River Data, a Boston-based data science consulting group.
Charles River Data was founded by data scientists from Google and BCG GAMMA to offer custom data science solutions on a project-level or ongoing basis. Its team members have worked on geo-analytics, financial modeling, statistical and causal analysis, image recognition, natural language processing, personalized marketing, optimization and other machine learning tools.
Trevor Burgess is CEO of Neptune Flood. Mike Dezube, CEO of Charles River Data, spent eight years as a data scientist at Google before co-founding Charles River Data with Gleb Drobkov, most recently a consultant at BCG X. Dezube joins as Neptune’s chief data science officer and Drobkov will be chief strategy officer.
Florida-based Neptune offers private flood insurance for residential, commercial, and condominium properties throughout the country.
PCF Insurance Services, All Star Insurance, Encore Advisors
PCF Insurance Services, an insurance brokerage operating in 40 states, has acquired All Star Insurance in Venus, Texas, and Encore Advisors, based in Norcross, Georgia.
Utah-based PCF offers commercial and personal lines along with benefits and
workers’ compensation plans.
Encore Advisors, founded in 2007, is considered a boutique benefits brokerage for clients that have less than 1,000 employees.
All Star Insurance has specialized in trucking industry insurance needs since 2017.
East
Hub International, William R. Cargill Insurance Agency
Insurance broker Hub International Ltd. has acquired the assets of William R. Cargill Insurance Agency Inc.
Based in Topsfield, Massachusetts, Cargill Insurance is a family owned and operated insurance agency providing coverage for home, auto, personal umbrella, boat and life insurance, and commercial and general liability insurance.
Founder William “Bill” Cargill, Jr. and the Cargill Insurance team will join Hub New England.
Cargill Insurance will be referred to as William R. Cargill Insurance Agency, a Hub International company.
Hub International is headquartered in Chicago.
Midwest
Hub International, True North Group
Hub International Ltd. acquired the assets of True North Group Insurance Services LLC (True North Group).
Located in Howell, Michigan, True North Group is an independent insurance agency
that focuses on commercial insurance and employee benefits. The True North Group team will join Hub Midwest East.
True North Group will be referred to as True North Group Insurance Services LLC, a Hub International company.
Arthur J. Gallagher, Acumen Advisors
Insurance broker Arthur J. Gallagher & Co. has acquired Cedar Rapids, Iowa-based Acumen Advisors Inc.
Acumen is an employee benefits consultant serving small and mid-size businesses throughout Iowa. Andrew Morf, Kirby Moss and their team will remain in their current locations under the direction of Tom Lannen, head of Gallagher’s Midwest region employee benefits consulting operations.
Arthur J. Gallagher & Co. is based in Rolling Meadows, Illinois.
South Central
USI, Hignojos Insurance Agency
USI Insurance Services has acquired Odessa, Texas-based Hignojos Insurance Agency.
Founded in 2009, Hignojos Insurance Agency is an independent brokerage firm specializing in commercial and personal risk insurance programs.
Higginbotham, Barnard Insurance Group
Higginbotham acquired Barnard Insurance Group of Wichita Falls, Texas.
Family owned and operated since 1931, Barnard is an independent agency with services that include personal, life and health, and commercial coverage. Barnard specializes in oil and gas (energy), construction, hospitality, manufacturing, technology, transportation, and health care.
Higginbotham is based in Fort Worth, Texas.
Inszone, Brazos Valley Insurance Agency
Inszone Insurance Services has acquired Waco, Texas-based Brazos Valley Insurance Agency.
Brazos Valley Insurance Agency was established on Jan. 1, 1988, through the merger of two early 20th-century agencies:
14 | INSURANCE JOURNAL | JUNE 3, 2024 INSURANCEJOURNAL.COM
Dumos & Goble Insurance Agency and Smith-SoRelle Insurance Agency. The agency offers personal and commercial insurance.
Sacramento, California-based Inszone is an insurance brokerage firm that provides property/casualty insurance and employee benefits solutions.
Alera Group, Trimble-Batjer
Alera Group has acquired San Angelo, Texas-based Trimble-Batjer.
Founded in 1883, Trimble-Batjer provides surety and bonds, business solutions, employee benefits and insurance coverage for auto, home, health and life. The agency specializes in construction, oil and gas, farm and ranch, life science and manufacturing. The Trimble-Batjer team will continue serving clients in their existing roles.
Alera Group is headquartered in Deerfield, Illinois.
Southeast
Arbol Inc., Centauri Insurance
A subsidiary of New York-based Arbol Inc., a firm that specializes in climate risks for businesses, including parametric insurance products, has acquired Sarasota, Florida-based Centauri Insurance from Applied Underwriters.
Centauri will become part of Arbol’s newly launched Lilypad Insurance, subject to regulatory approval. Lilypad plans to offer homeowners’ and other property insurance in coastal areas in Louisiana and other states. Centauri is licensed in 10 states, including Alabama, Florida, Hawaii, Louisiana, Massachusetts, Mississippi, North Carolina, Oklahoma, South Carolina and Texas.
The Centauri team will move to Lilypad, and operations and policies for Centauri Specialty Insurance Co. and Centauri National Insurance Co. will continue without interruption. Ricardo Espino, who was with Centauri for a number of years, is now CEO of Lilypad.
Centauri was formed in 2006 and has specialized in catastrophe coverage.
Omaha-based Applied Underwriters acquired Centauri in 2021.
Higginbotham, Adams Benefits
Texas-headquartered Higginbotham reported it has added Adams Benefits of Boca Raton, Florida.
Adams Benefits has been in operation since 1975, advising south Florida businesses on human resources and regulatory compliance.
Blair Adams III is president and Meaghan Haines is vice president.
West
Inszone, Van Oppen & Co. 2, Tri-Cities Insurance Professionals
Inszone Insurance Services acquired Van Oppen & Co. 2 in Wyoming.
Founded in 2008 by Rick van Oppen, the firm specializes in serving the needs of the architectural, engineering and environmental sectors.
Inszone Insurance Services also acquired Tri-Cities Insurance Professionals LLC, a multi-member managed broker agency
located in Pasco, Washington.
Tri-Cities Insurance Professionals was founded by Craig Baumgartner, Gerald Tobias, Darwin Walter and Jorge Torres.
Hub International, Merriwether & Williams Insurance Services
Hub International Ltd. has acquired Merriwether & Williams Insurance Services Inc., which has locations in San Francisco and Los Angeles, California.
The firm provides contractor development and bonding programs, aligned risk management and special project consulting, and insurance brokerage services.
President and CEO Ingrid Merriwether and the Merriwether & Williams team will join Hub Central & Northern California.
Merriwether will become president of Hub Aligned Risk Management Services.
Merriwether & Williams will be referred to as Merriwether & Williams Insurance Services Inc., a Hub International company.
JUNE 3, 2024 INSURANCE JOURNAL | 15 INSURANCEJOURNAL.COM
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National
Zurich North America, headquartered in Schaumburg, Illinois, named Kara Higginbotham head of professional liability and cyber for U.S. national accounts, leading a team of underwriters who serve Zurich’s largest U.S. corporate and middle market companies. Higginbotham joined Zurich as head of corporate accounts for the professional liability and cyber team in 2018.
southern region, joins the company from Zurich Insurance Group.
Marcus Cooper, regional executive, U.S. central region, was previously head of distribution for Everest Insurance North America.
president of finance and operations, and treasurer. Gilbert joined Vermont Mutual in 2017 as controller and was promoted to VP and CFO in 2021.
Midwest
WTW, headquartered in London, appointed Danielle Lombardo chair of the real estate, hospitality, and leisure (REHL) division, corporate risk and broking (CRB) North America. Lombardo has more than 15 years of experience in the insurance industry, focused on real estate.
WTW also appointed Alex DeLaricheliere as strategy and execution leader and banking subvertical leader within the financial institutions and professional services (FIPS) industry division of corporate risk and broking, North America. DeLaricheliere has over 20 years of industry experience, most recently serving as managing director at Marsh.
Michael Cellura, regional executive, U.S. western region, was previously head of international facultative reinsurance for Everest.
East
USQRisk, headquartered in New York City, hired Ashleigh Sears as head of casualty. Sears previously served as northeast division leader, Hartford Excess Solutions, The Hartford Insurance Co.
The Liberty Company Insurance Brokers, headquartered in Gainesville, Florida, named Andrew Bernau senior vice president, commercial lines producer. He is based in Chicago. Bernau most recently served as vice president, property/casualty, at Presidio (Acrisure Agency Partner).
Risk Strategies, based in Boston, appointed Marshall Heron national real estate practice leader. Heron has over 25 years of insurance brokerage experience, most recently serving as president at Insurance Group of America LLC.
Everest Insurance, the insurance division of Everest Group Ltd., headquartered in Hamilton, Bermuda, appointed four U.S. regional executives as part of realigning its retail business into four regions.
Craig Hanrahan, regional executive, U.S. northeastern region, joins Everest from Chubb.
Marissa Jennings, regional executive, U.S.
Timothy Folk joined Alliant Insurance Services, headquartered in Irvine, California, as executive vice president, Alliant Specialty, in the firm’s agribusiness industry vertical. Folk will lead and grow Alliant’s presence in the Philadelphia market.
Powers Insurance and Risk Management, basedin St. Louis, hired Mike Blankenship as commercial lines account manager. He has nearly 10 years of insurance experience, most recently as an account manager at USI Insurance Services.
Scott Reinke joined Intact Insurance Specialty Solutions, headquartered in Plymouth, Minnesota, as chief underwriting officer for its transactional surety team. Before joining Intact, he was senior vice president of transactional surety at Arch Insurance Group.
JM Wilson, headquartered in Portage, Michigan, hired Corey Kemp as transportation renewal underwriter, covering Ohio, Kentucky, Pennsylvania, Virginia, West Virginia and the eastern U.S. He has over eight years of experience in auto underwriting.
Vermont Mutual Insurance Group, based in Montpelier, Vermont, promoted Brody N. Gilbert to senior vice
Leif Assurance, headquartered in St. Louis, hired Kristine Sills as a commercial lines account executive. Sills most recently served as an account executive at POWERS Insurance and Risk Management. Leif also promoted Melinda Langworthy to the role of enterprise relationship manager. She previously was a senior sales account executive. Langworthy holds the Professional Worker’s Compensation Advisor (PWCA) and Small Business Coverage Specialist
16 | INSURANCE JOURNAL | JUNE 3, 2024 INSURANCEJOURNAL.COM
Kara Higginbotham
People
Alex DeLaricheliere
Craig Hanrahan
Marissa Jennings
Marcus Cooper
Michael Cellura
Ashleigh Sears
Timothy Folk
Corey Kemp
Andrew Bernau
Mike Blankenship
Kristine Sills
Melinda Langworthy
(SBCS) designations.
South Central
XPT Specialty, headquartered in New Haven, Connecticut, hired Jody Travis as vice president and senior underwriter in its Houston office. Travis has over 30 years of experience in the commercial sector.
Higginbotham made several promotions within the financial services division. Long-time executive team member Michael Parks has been elevated to the role of president, financial services. Koby Hackradt takes over Parks’ previous leadership duties as chief operations officer (COO), employee benefits, and Carter English joins Hackradt in overseeing employee benefits in a new chief business officer role.
Southeast
The Liberty Co., based in Gainesville, Florida, named two insurance industry veterans to executive positions.
Bill Allen, who was previously executive vice president at Hays Companies, will be president of middle markets property/ casualty at Liberty.
Parks will focus on executive strategy in a role that oversees many departments — including employee benefits.
Promoted from managing partner to COO, employee benefits, Hackradt has been with Higginbotham for over 14 years.
English was promoted from managing partner to chief business officer, employee benefits after eight years with Higginbotham.
Alliant Insurance Services, headquartered in Irvine, California, named Michael R. Smith as executive vice president, Alliant Specialty, in the financial institutions industry vertical. Smith is based in Dallas.
Alliant also hired John R. “Johnny” Braniff Jr. as an executive vice president within its Alliant Americas division. He is based in Houston.
Tom Hayes, formerly national sales leader for employee benefits at the McGriff brokerage, will be executive vice president of national sales and growth for employee benefits. Hayes has more than 30 years in the insurance industry, including time at Rebsamen Insurance, in Arkansas.
West
Woodruff Sawyer promoted Dave Erickson to employee benefits practice leader. Most recently, he led Woodruff Sawyer’s employee benefits operations. Before joining Woodruff Sawyer in 2018, he was director of technical finance at Burnham and an analyst at Alliant.
The Surplus Line Association of California (SLA), headquartered in San Ramon, California, elected Rich Gobler of Burns and Wilcox as chair of the SLA board of directors.
Also elected were John Washington, Arch Insurance Group, as vice chair and Sarah Nichols, Crum and Forster, as secretary/treasurer. Outgoing chair Janet Beaver, Aurenity, remains on the board as past chair. Kristopher Bauer of Jencap Specialty and Jon Larson of ACE Westchester joined the 13-member board.
James Lawrence joined Alliant Insurance Services as executive vice president, Alliant Specialty, construction services group. He is based in Los Angeles.
Alliant also hired Angie Brown as first vice president and consultant for the employee benefits group in Alliant’s absence, disability and life insurance practice. She most recently was sales director and absence practice leader at Majesco.
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Jody Travis
Michael Parks
Koby Hackradt
Carter English
Michael Smith
US Workers’ Comp Line Still Showing Strong Profits, Lower Claim Frequency
By William Rabb
Net written premium in the U.S. workers’ compensation insurance market grew by just 1% from 2022 to 2023, a far smaller percentage than most other property/casualty lines.
However, the workers’ compensation line remains the most profitable segment, with a combined ratio well under 100, according to the National Council on Compensation Insurance (NCCI), which provides analysis and recommendations on workers’ comp loss costs and rates in 38 states.
“The overall numbers for workers’ compensation show a financially healthy system,” Donna Glenn, NCCI’s chief actuary and lead presenter at the organization’s recent Annual Issues Symposium held in Orlando, Florida, said in a statement.
The combined ratio climbed slightly for calendar 2023, to 86, something NCCI actuaries attributed to a slight bump in the average loss ratio nationwide. Last year was the 7th consecutive year with a combined ratio below 90, Glenn noted.
Net written premium for workers’ comp private carriers grew from $42.5 billion in 2022 to $43 billion in 2023.
For the P/C industry as a whole, net premium climbed by more than 10%, to $851 billion, the NCCI’s State of the Line
CIAB: Commercial P/C Premiums Increase 7.7% in Q1 2024
By Chad Hemenway
Overall commercial property/casualty premiums increased slightly for all account sizes to 7.7% on average in the first quarter 2024, according to The Council of Insurance Agents and Brokers’ Q1 Market Survey.
With the 7.7% average increase in Q1, there have been 26 straight quarters with increases though there were signs of moderation in premium increases across individual lines of business. Each line was either flat or lower than the previous quarter, with the exception of commercial auto where premiums increased by an
average of 9.8%, up from 7.3% in the last quarter 2023.
The average first quarter increase for commercial property was 10.1% — lower than last quarter and much lower than the 20.4% average increase from Q1 2023 — but still the highest increase out of all lines. CIAB said respondents still found com-
18 | INSURANCE JOURNAL | JUNE 3, 2024 INSURANCEJOURNAL.COM News & Markets
report shows.
The workers’ compensation line reserve redundancy grew to $18 billion.
Other highlights from the symposium:
• Lost-time claim frequency declined by 8% in the past year. Frequency continues its long-term decline.
• Workplace safety has contributed to a steady decline in injuries over the last two decades, helping to produce annual rate decreases in most U.S. states. Safety technology is now expanding into more industries and evolving into a broader range of applications. “It is clear that safety technologies will be a vital part of future safety initiatives. They may even be a gamechanger for evaluating and improving workplaces and reducing injuries,” said Damian England, executive director
of affiliate services for NCCI.
• Severity changes were considered moderate for 2023 with increases of 2% for medical claim severity and 5% for indemnity claim severity.
• Inpatient cost per claim rose modestly. That’s largely from a decrease in utilization of 22% since 2012, said Raji Chadarevian, executive director of actuarial research at NCCI. “This is fueled by a dramatic drop in admissions and a shift of surgeries to an outpatient setting. By contrast, inpatient prices have grown by more than 50%,” Chadarevian said.
• Since 2012, a 24% decline in pharmacy costs has come from decreased opioid prescribing and a shift to generic use, which has led to savings in direct pharmacy expenditures and in workers’ compensation settlements, according to Jon Sinclair, director and actuary.
• Payroll increased by about 6% in 2023 — 2% from employment and 4% from wages.
mercial property a hard-to-place risk due to stricter underwriting, property value increases, and detailed submissions.
D&O premiums fell by an average of 0.8% in Q1 2024, one of only two lines to record a decrease in premiums. Workers’ compensation premiums fell 1.8% in Q1.
CIAB cited research from rating agency AM Best, which in March assigned a negative outlook to the U.S. D&O liability insurance segment due to an increase in capacity from new market entrants — driving prices down as concerning risk exposures persist. In its Marketplace Realities report, WTW showed flattened-to-reduced D&O premium outcomes, which are expected to continue in 2024.
A larger number of respondents reported an increase in claims in commercial auto, cyber, general liability, employment practices liability, and umbrella. More respondents said there was an increase in demand for commercial property, commercial auto, umbrella and D&O.
JUNE 3, 2024 INSURANCE JOURNAL | 19 INSURANCEJOURNAL.COM
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Special Report: Public Entities/Schools
Get an Education on School Liability and Property Risks
By Allen Laman
Discrimination, active assailants and an aging infrastructure — educational institutions today face tough liability and property risks that were uncommon in the not-too-distant past. Pair those with longtime risks like sexual assault and molestation, and the liability insurance market for schools has become a challenging sphere to navigate.
“For K-12 schools, the hardest market, and the market that continues to be hard, is liability,” said Matthew Gowan, senior vice president of Alliant Public Entity. “And that’s almost entirely driven by nuclear verdicts, settlement inflation and SAM [sexual abuse and molestation] claims.”
Settlement inflation has rocked the insurance landscape in recent years. Schools are not immune. Gowan never saw a claim over $25 million in the first 15 years of his career. Now, that price tag is not uncommon.
“It’s the opposite of immune,” Gowan said of school liability insurance. “It’s leading the way, I would say. Just do a quick Google search. It’s not uncommon to see these large verdicts now. And verdicts coming out of brand-new perils.”
In October, a Southern California school district was hit with a $135 million verdict in a molestation case. Gowan said most schools carry “maybe $50 million in coverage,” however. A few months later, that same school district reached a $27 million
settlement in a bullying case.
In California, examples of new liability insurance perils include Assembly Bill 218, which eliminated the statute for commencing an action for recovery of damages suffered because of childhood sexual assault. Other states have passed similar bills.
Additionally, California's Senate Bill 553 requires virtually all employers to develop, implement and maintain an “effective” written workplace violence prevention plan (WVPP), train employees, and create and maintain extensive records regarding workplace violence.
Bullying lawsuits, while uncommon a decade ago, have increased in both frequency and cost. The number of carriers offering liability coverage
for K-12 schools has reduced worldwide, Gowan said, adding that “most brokers that work in K-12 schools spend most of our time on liability insurance.”
Million-Plus Dollar Legal Cases Trending Up
According to Alera Group’s 2024 Property and Casualty Market Outlook, the main concerns for the education sector remain liability exposures stemming from employment practices and sexual misconduct.
The report from Alera Group highlighted a study conducted by United Educators, a risk retention group that provides liability insurance to its members. That study found that there were 71 major damage awards and settlements of at least $1 million that affected
K-12 schools and higher education institutions in 2023. There were 69 damage awards and settlements of at least $1 million in 2022 and 37 in 2021. Losses of $1 million or more totaled $651 million in 2023.
Behind sexual misconduct, discrimination tied for the second-most common publicly reported settlement or award listed in this year’s United Educators’ large loss report.
“Insurers will allocate their capacity to institutions with demonstrated track records for managing risk effectively,” Alera Group’s 2024 Market Outlook said. “When insurers make loss control recommendations, most will expect clients to comply.”
Changing Availability
Greg
Wigfield, president
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and founder of Leesburg, Virginia-based National Church Group Insurance, an agency that works with hundreds of private schools across the United States, echoed Gowan’s concerns, pointing to potential sexual abuse, abuse allegations and school violence and security as primary liability concerns.
Sexual abuse and molestation concerns are not new, but their impacts have changed coverage options available today, Wigfield said. Sexual abuse coverage “used to be a giveaway for companies that were in the school business,” according to Wigfield, adding that there was previously little charge for it. That was before a surge that Wigfield said made SAM the No. 1 insurance liability issue in the country around the year 2000.
“There are still companies that won’t even say whether or not they have the coverage,” Wigfield said. “It’s really interesting … they just make it unclear whether or not you have coverage for sexual abuse and different things around that. The companies that are serious about schools and school insurance have the coverage.”
These companies also have supplemental applications to discern what schools are doing to prevent SAM issues from occurring, Wigfield said. If schools don’t meet those standards, “you will get greatly reduced coverage or no coverage whatsoever,” he said. “So, that’s been a big thing.”
Student Protests and Liability Coverage
Students across the country have protested the IsraelHamas war in recent months, and while property risks are
a concern, liability issues can arise, too.
“With any large gathering, whether it be a concert, parade or protest, there is significant liability risk,” explained Tory Brownyard, president of Brownyard Group and program manager for their group’s security and investigative programs.
“The first and most serious risks are bodily injury claims or assault claims. Bodily injury or assault claims can come into play when one attendee attacks another and the client alleges that the security force did not do enough to protect the injured person. Alternatively,
the client or individual could allege that the security officer assaulted an attendee.”
When it comes to protests, Wigfield believes agencies must focus on risk management. Agencies must ask schools questions like, “If a protest happens on your campus, what are you going to do,” he said, but overall, “I don’t think it’s a coverage issue.”
“Companies might make some changes,” he added. “But right now, that’s not on the table at all, I don’t think. I just think it’s a risk management program that needs to be in place. And that can really keep a lot of problems from showing up.”
Aging Infrastructure Risk
In addition to concerns on schools’ liability risks, Gowan pointed to property risks and concerns over aging infrastructure as a “significant issue” for schools.
Across the country, many schools were built in the 1960s and 1970s, he said, and this, combined with damages from recent weather events, has prompted underwriters to ask agencies more detailed questions when securing coverage. An aging school building can affect both property insurance coverage limits and the type of coverage offered, he said.
“Now they ask us, ‘How old is the roof?’” Gowan said. “‘What’s the composite of the roof? What’s the build quality?’”
He’s seen carriers attach higher deductibles to school roofs that are older than 15 years, or only offer actual cash value instead of replacement cost on certain older buildings.
Rural school districts used to be an easier risk to insure
but as wildfire exposures have become more of a concern to underwriters that has changed.
“It’s completely flipped in the last few years,” he said. “Urban schools, where they don’t have the firestorm risk, [and], they’ve got fire departments close by, are sometimes easier to underwrite than rural schools,” he said. “The underwriters worldwide are focused on fire risk more than vandalism risk.”
Risk Management First
When it comes to school liability insurance, “prevention is key on these emerging trends,” Gowan said.
Wigfield added for those who want to be in the business of insuring schools, “you need to come at it from a risk management approach, not a sales approach,” he said. “You might sell a bunch,” he said, “but the company, and the agency are eventually going to get hurt because they just haven’t done the risk management pieces that make insurance work,” he said.
That means learning the market in detail.
“The school market is different than many other markets,” according to Wigfield. “Risk management is huge in so many things. … I think we’ve reached an age in this country where we can’t just go jump into a market and not know what in the world we’re doing.”
He continued: “And today, especially with the hard market the way it is, your underwriter had better be impressed, or you won’t make the sale. And the best way to impress an underwriter is to have a strong risk management program.”
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Greg Wigfield
Matthew Gowan
Tory Brownyard
Spotlight: Social Inflation
Nuclear Verdicts Surge to $14.5 Billion in 2023, Report Shows
By Ezra Amacher
Nuclear verdicts of at least $10 million reached a 15-year high in 2023, while 27 verdicts were “thermonuclear,” or more than $100 million, according to a new study by research firm Marathon Strategies.
The report, “Corporate Verdicts Go Thermonuclear,” found that the number of nuclear jury verdicts increased by 27% in 2023 compared to the prior year. In 2023, the median nuclear verdict rose to $44 million, up from $21 million in 2020.
Marathon’s research found that verdicts are increasingly
influenced by shifts in jury pool demographics, driven by a rise of Millennial and Gen X voters. Marathon identified corporate mistrust, social pessimism, erosion of tort reform and public desensitization to large numbers are top factors to why nuclear verdicts have risen over the last decade and a half.
The report found
89 nuclear verdicts against companies in 2023, resulting in jury awards totaling $14.5 billion. The median verdict increased 7.3% from the previous year. Product liability cases represented the largest share of nuclear verdicts at 38%, with much of the total driven by claims that Bayer AG’s weedkiller causes cancer. Nine-figure verdicts against car makers Mitsubishi Motors and Suzuki Motor also drove that total.
Social Inflation Key Factor in Rise of Loss Severity: AM Best
Loss severity for many U.S. casualty lines of insurance business has exceeded economic inflation over the past decade, indicating other factors are influencing claims costs for indemnity and expense payments, according to a new AM Best report.
According to AM Best’s Special Report — Social Inflation Remains a Thorn in the Side of Casualty Insurers — the lines of business most affected by social inflation are commercial auto, professional liability, product liability and directors and officers liability insurance.
“Loss severity for these lines has exceeded the rate of economic inflation, in most cases by double or more, with social inflation likely being
a key factor,” the report stated. The average loss severity increase over the past decade to 2023 in the product liability line was 20.4%, compared with average annual economic inflation of 2.7%.
On the occurrence side, which captures excess liability and umbrella coverage, loss severity increased by an average of 11.1% in the last decade.
The increasing involvement of attorneys in commercial lines is leading to an ongoing rise in claims costs, which negatively affects insurer loss ratios, the report stated.
“The ‘social’ part of social inflation refers to shifting cultural attitudes about who is responsible for absorbing risk — the insurer or the plaintiff — and these dynamics continue
to evolve, which makes social inflation tough to quantify and even more difficult for insurers to predict and mitigate,” said Justin Aimone, associate analyst, AM Best.
“The decline in confidence in big business, as well as in other institutions (e.g., federal government, banks), is a unique problem for insurers, because jury verdicts have shown that many believe a company bears some responsibility even in cases of injury due to misuse of a product,” the report added.
Third-party litigation funding also has been a factor in the rise of social inflation, contributing to worsening loss ratios for excess liability, commercial auto and general liability, leading to higher premiums for consumers.
Understanding how to manage portfolios and claims is expected to remain a critical aspect of insurers’ enterprise risk management to limit severe losses.
Carriers that best understand the nature of the risks in their portfolios and how longer durations will affect their caseloads have a better chance to make needed changes in actuarial parameters and assumptions to deal with social inflation more effectively, the AM Best report added.
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Intellectual property claims made up the second-highest share of nuclear verdicts (23%), followed by wrongful death (13%) and antitrust (12%), according to the study.
The report found that cases in state courts represented $9.1 billion, or 62% of nuclear verdic ts, compared to $5.5 billion, or 32%, in federal courts. The discrepancy is mostly due to the largest case category — product liability — going through state venues, the report said.
Show-Me The Money
Missouri was home to the two largest verdicts in 2023: a $1.8 billion antitrust case against the National Association of Realtors (NAR) and two brokerage firms, and a $1.5 billion Roundup case against Bayer AG/Monsanto, the report said. A judge recently slashed Bayer’s $1.5 billion verdict to $600 million.
Texas had the next-highest total of nuclear verdicts
Four states had total nuclear verdict sums more than $1 billion in 2023, led by Missouri with $4 billion. The report said that nearly all the nuclear verdicts in Missouri had been ordered by juries in the St. Louis County Court, a court known for awarding high punitive damages. Missouri allows plaintiffs’ attorneys to request a specific amount for damages.
($3.7 billion), followed by Pennsylvania ($1.2 billion) and Washington ($1.1 billion). Since 2009, Texas has led all states, with 207 nuclear verdicts totaling $45 billion.
Industries Most Impacted
Real estate management and development led all sectors with more than $2.7 billion in total verdicts, the report found. The majority of the total came from the $1.8 billion antitrust lawsuit against NAR and two brokerage firms. In March, NAR agreed to settle litigation over for $418 million.
“Besides its economic impact, the NAR verdict and settlement has pushed
the real estate industry into ongoing public relations defense against the media as well as the Biden administration,” the report said.
Chemicals were the second-most impacted industry with $2 billion in total verdicts, followed by automobiles ($1.1 billion), oil and gas ($798 million), home furnishings ($787 million) and food, beverage and tobacco ($745 million).
Marathon’s findings were compiled using verdict and settlement data from LexisNexis, the National Law Review, various state and federal court records databases, legal journals, white papers, and media reports, among other sources.
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Idea Exchange: Agency Management
Exploring AI: Fascination with AI, Not Fear Will Drive Success for Independent Agents
Iremember watching Michael Crighton’s “Westworld” in 1973. Two vivid impressions from that experience remain. The first was my date breaking my glasses when she screamed and threw her arms open during a startling scene. The second was the completely believable world depicted in the film where robots replaced humans in every imaginable situation. Fast forward to 2018 when I first encountered incredibly lifelike AI-powered avatars from Soul Machines designed to improve the customer experience, which for me, brought Crighton’s vision to digital life.
By Tony Caldwell
tial growth curve in AI capability, cost and disruption, how should agents think about it and their futures?
Embracing AI Will Support Independent Agents, Not Replace Them
Humans often react to change, especially sudden and profound change, with fear, which in turn can trigger the classic “fight” or “flight” reaction. Neither is appropriate here. Generative and Predictive AI, machine learning and similar technologies are not going away. Moore’s Law and its corollaries famously predicted the computing capability that power and continues to drive the exponential increase in AI capabilities. So, flight is impossible. And fighting the future never works out well.
evolving capabilities. In fact, fascination with this new tool is the appropriate response. It will enable us to open our thinking to ways that technology can continue to drive costs from our businesses, increase our capabilities to grow, and liberate us from the drudgery of tasks that we dislike.
So, what will all this mean for the future of the insurance agent and how can should we focus that fascination? I say we focus our efforts on learning how AI can support us and help us to enhance how we serve our clients, how we sell and how we manage the business.
Breaking Down the Benefits
I watched a demonstration in fascination as their avatars answered hundreds of questions for credit card companies and assisted customers with booking complex airline travel. After speaking with Soul Machine’s CEO Greg Cross, I wrote an article predicting the demise of the customer service agent in insurance agencies as I envisioned a laptop replacing office buildings full of cubicle dwellers. That hasn’t happened — yet. But technology like this that had a price tag of hundreds of thousands of dollars in 2018 is now available starting at $29 dollars a month. Artificial intelligence capability is truly evolving at an exponential speed while costs for the tools are falling just as fast. Most of this life-changing development has been invisible because, as Peter Diamandis, serial entrepreneur, and host of the tech conference “Abundance 360” says, digital technology is “deceptive until it’s disruptive.” With ChatGPT emerging into our consciousness last year, insurance professionals have struggled to grasp how profoundly our industry will change in the next five years — and, more importantly, how to not be left behind.
So, as we enter the knee of the exponen-
That leaves us with a second option — learning all we can about these new and
Service. As the Soul Machines example demonstrates, the ability to automate most customer service tasks is rapidly evolving. Eventually, AI will answer the phone
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News & Markets
California Trucker Death Led to Workers’ Comp Investigation That Found $2M in Underreported Payroll
An investigation that began after an employee was found dead in a company owned semi-truck led to the arraignment of a California man on
three felony counts of workers’ compensation fraud.
Heigo Kubar, 84, of Fresno, was arraigned on three felony counts of
workers’ comp fraud after a Central Valley Workers’ Compensation Fraud Task Force investigation reportedly discovered Kubar allegedly underreported over $2 million in payroll to save on workers’ comp for his trucking company.
Kubar is the former owner of TKJ Trucking. Kubar’s insurer became suspicious and began an investigation following an incident in which a TKJ Trucking employee was found dead in company owned semi-truck. The insurer reportedly found that leading up to the death of the employee, Kubar had classified the employee as a company salesperson, not a truck driver. Less than a month after the death, TKJ Trucking amended the employee’s job classification to truck driver.
An investigation led by the Fresno County District Attorney’s Office found the dead employee was working for TKJ Trucking as a truck driver for roughly 15 years. At the time of death, the cost to insure a sales person was roughly $1 for every $100 in payroll, but the cost to insure a truck driver was roughly $20 for every $100 in payroll.
An audit by the California Department of Insurance was as part of the task force investigation. It showed that between Dec. 1, 2018 to Dec. 1, 2021, TKJ Trucking had workers’ comp coverage and reported $875,591 in employee payroll. However, the company actually had a reported $3,233,899 in payroll, an underreporting of $2.3 million, resulting in insurance premiums of $480,093 owed to the insurer.
The case is being prosecuted by the Fresno County District Attorney’s Office. Kubar is scheduled to appear in court next on Aug. 14.
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News & Markets
Washington Contractor, Grower Face $650K in Fines After Worker Dies in Apple Storage Room
Two Washington companies face a combined $650,000 in fines for violations in connection with a worker who died from asphyxiation after entering
an apple storage facility where the oxygen had been removed from the air.
The incident on Oct. 1, 2023. involved a worker for Pace International LLC, who
was at the Stemilt Growers’ controlled atmosphere room to apply a fog fungicide to help preserve the apples. A Stemilt employee reportedly had unlocked the room to allow him in.
According to an investigation by the Washington State Department of Labor & Industries, a Stemilt employee’s oxygen monitor alarm sounded when near the open entry port, signaling the room was oxygen deficient. However, the employee reportedly didn’t point it out to the Pace worker, and allowed him to enter the storage room and work alone.
In controlled atmosphere rooms, oxygen can be depleted to nearly 1% to keep the fruit from spoiling. L&I inspectors said air monitor readings that morning ranged from 1.9 to 2.09% oxygen (normal oxygen at sea level is roughly 21% of the atmosphere), according to investigators.
Another Pace employee eventually found him inside the room and unresponsive.
Pace's training handbook states that workers are permitted to enter controlled atmosphere rooms when the oxygen level is 17.5%. State regulations require the oxygen level to be at 19.5% or higher, according to investigators.
Pace was fined $574,000 for eight willful serious and two serious violations related to confined space hazards and disturbing the scene. Pace is now subject to greater scrutiny by the state. It is appealing the fines.
Stemilt was fined $76,300 for one willful serious and one serious violation related to confined space rules to protect workers. It did not file an appeal, according to L&I.
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and speak directly with customers using natural learning language to solve their problems, file their claims and perform other fairly mundane tasks. Insurance industry AI applications aimed at enhancing customer service or streamlining operations like GAIL and Capacity are already in the market and dozens more are in development. Applications like Otter.ai, which converts speech to text, have been used for years to document conversations, and in our industry to improve service and beef up E&O capability. Further, applications like Gaya, allow browser-to-browser data entry promising to supercharge productivity.
In embracing AI, key things to ask are:
• What are the tasks that have the lowest value in our service model?
• What are our most repetitive tasks and frequently requested services?
• What are the tasks where error can destroy our relationships, but performance does not enhance it?
All of these tasks can be automated to one degree or another and within
five years, all of them will be automated routinely. By asking yourself these questions, you will have an excellent chance to recognize the solutions as they come on the market because, as Dan Sullivan, founder of The Strategic Coach program, says, “The eyes only see, and the ears only hear, what the mind is looking for.”
As you coach and develop your service team, recognize they will be increasingly fearful of their job security. I believe the AI-empowered employee will become increasingly valuable not obsolete. Ask these key people what they love most about their work and look for ways AI can provide more time for relationship-focused tasks like customer nurturing by providing the capabilities for more complex problem solving. Not only will your future workforce be more efficient and your business less concerned with the shrinking labor force due to demographic changes, but you will increasingly become an employer of choice for Generation Z and millennials who are fascinated by these technologies.
Sales. A few years ago, I estimated email consumed 25%-30% of my time. A solution was to turn it over to a human assistant. Today, AI programs like Shortwave, Sanebox and Copilot do it faster, better and cheaper. The time salespeople get back is obviously enormously valuable.
Automating prospecting via AI has tremendous potential for agents and many tools are already available. Perhaps even more valuable are the tools that allow prospect research at scale enabling salespeople to be better prepared for prospect outreach. Check out Warmer.ai, Humantic. ai and similar applications for ideas on improving your results now.
As you think about how to improve your sales results, time efficiency is paramount. Scheduling, mapping, email, research (where the now nearly ubiquitous ChatGPT can excel) and application completion tools are all available now and improving rapidly. Some examples of questions to ask yourself are:
• Where are my sales bottlenecks that AI can possibly remove?
• What are my most time-consuming tasks that keep me from spending time
with clients and how can AI assist?
• How can I use AI to improve my research and understanding about where my carriers, market niches and geography intersect so I can waste fewer resources and improve speed to market?
Business Management. There are many other parts of our businesses from claims processing, proposal generation, accounting, and general administration and management where AI tools can provide significant improvement in efficiency and productivity and will continue to increasingly in the future. For some agencies these tools may have the potential for an even more immediate impact on business management than in sales or service functions. One way to approach thinking about discovering AI solutions for these tasks is to take regular note of the things that frustrate you:
• Do you struggle in hiring?
• Does your benchmarking work show you are not operating in the top 25% of all agencies?
When I interacted with my first digital human, as Soul Machines calls their incredibly lifelike avatars, I was excited by its potential. I realized I couldn’t have a relationship with it because everything it did was calculated and did not stem from emotion. This was tremendously exciting because it reinforced my belief that the most valuable skill that I, and most successful agents, have is our ability to connect, build personal relationships and create trust based on those human connections.
Artificial intelligence, in all its forms, has continued to show me that it will increasingly remove drudgery and unwanted tasks while speeding up things and allowing us more opportunity to excel at the parts of our business we are uniquely wired to do.
When it comes to AI, I’m fascinated, not fearful. I hope you will be too.
Caldwell is an author, speaker and mentor who has helped independent agents create more than 250 independent insurance agencies. Website: www.tonycaldwell.net. Email: tonyc@oneagentsalliance.net.
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Idea Exchange: Workers' Compensation
Cabin Pressure: A Firsthand Examination of the Realities of Airline Worker Risks
For airline passengers and workers alike, it feels like trouble is lurking behind every cloud of late. Frightening scenes of a door plug flying off an airplane mid-flight have dominated news coverage. Clips of collisions and near-misses on the tarmac seem to pop up with alarming regularity. Viral videos of unruly, misbehaving passengers tend to populate our social media feeds.
By Sarah Thomas
Each of these isolated incidents captures the public’s attention. But do they accurately reflect a larger reality? And if so, does it mean airline workers face greater risks today than they did a few years ago?
As the managing partner of a leading workers’ compensation defense firm, I have had the unique opportunity to go beyond the viral videos and examine the situation from a firsthand perspective.
Seeing Risk From a Flight Attendant’s Point of View
While defending workers’ compensation cases provides me with a detailed look at the risks that airline employees face, it only offers a partial view. To get the full picture, I needed to see precisely what workers go through every day.
Last year, I had the unique opportunity to experience life as an airline worker from a first-hand perspective. One of Jones Jones LLC’s airline clients allowed me to participate in several days’ worth of flight attendant training. It was an eye-opening experience.
During the training, we worked inside a replicated airplane cabin to recreate many scenarios an airline worker needs to be prepared for on any given flight. It did not take me long to realize that a flight attendant’s job goes far beyond the front-facing work that passengers see, such as taking tickets and distributing drinks and snacks. Flight attendants must be prepared for
anything and everything, including major medical events. In the event of a medical emergency, flight attendants are first responders. They are responsible for every passenger’s safety on every flight, and they receive extensive training in preparation. They also serve as vital links between an airplane in the sky and doctors on the ground.
I left this training with a profound amount of respect for flight attendants and all airline employees. Additionally, I learned that airline employees receive extensive training to prevent injuries and perform their jobs in the safest manner possible. Despite this exhaustive training, flight attendants still face a number of risks and inevitable incidents both in the air and on the ground. However, the firsthand perspective that this training exercise provided allowed me to better understand the reality of the risks, rather than what is reported by the media or in the court room.
More Cases or More Media?
While the recent uptick of airline incidents in the news may portray higher risks for airline workers, today’s media landscape may be more of a contributor to this assumption than actual risk.
Today, millions of people worldwide can take high-quality photos and videos of all manner of human engagement on their smartphones, upload files to social media feeds and send clips to mass media outlets in real time. Such technological advancements also give consumers unprecedented access to breaking news about airline-related incidents. Increased coverage does not, however, equate to an increased risk of worker injuries or a higher number of claims.
In New York, we have not seen a direct upswing in the number of airline-related workers’ compensation claims in recent years despite the added media attention. However, with more attention and immediate access to videos and media stories
comes the potential for more claims. This type of scenario could feasibly play out on a per-incident basis, where multiple airline workers may see a viral video of a similar incident to one they have previously encountered and choose to retroactively file a claim.
Top Risks Airline Workers Face
While viral videos sensationalize the types of risks airline employees could face, the reality is far less glamorous. A review of workers’ compensation claims data reveals the five top risks in the airline continued on page 27
26 | INSURANCE JOURNAL | JUNE 3, 2024 INSURANCEJOURNAL.COM
‘A review of workers’ compensation claims data reveals the five top risks in the airline industry have more to do with repetitive action and small incidents than major aircraft malfunction ...’
continued from page 26
industry have more to do with repetitive action and small incidents than major aircraft malfunction or unruly passengers. Typical claims often include:
1. Muscle strains: Overuse injuries rank as the number one workers’ compensation claim for airline employees in New York. This is due to the day-to-day rigors of the job, including repeated baggage handling and moving about the cabin. Most employees who file claims report symptoms relating to shoulder, neck, elbow and back pain.
2. Cabin pressure sickness: If you have
ever chewed a stick of gum on an airplane to reduce the “popping” in your ears, you are familiar with the effects of cabin air pressure fluctuations. Severe air pressure changes can cause earaches, ear injuries and sinus pressure, all of which can trigger injuries that lead to a workers’ compensation claim.
3. Injuries caused by turbulence: Turbulence is a common occurrence, but sometimes it can be intense. When this happens, it can lead to head injuries and other conditions with potentially grave consequences. This risk escalates when an airline employee does not have time to
buckle themselves into a seat safely as the plane hits rough air.
4. Cabin door injuries: Airplane doors are extremely heavy. Airline workers must follow a specific and complex protocol to open and close the door, and the process varies depending on the type of plane. Such a repetitive motion can lead to muscle injuries for airline workers, as well as bruising or even contusion if something goes wrong with the process and an airline worker is knocked down or into an object. Proper training can help reduce the risk for these types of injuries.
continued on page 69
JUNE 3, 2024 INSURANCE JOURNAL | 27 INSURANCEJOURNAL.COM
2024 Annual Program Directory, Summer Edition
Welcome to Insurance Journal’s 2024 Program Directory, Summer Edition. Information contained in this directory has been compiled by Insurance Journal’s staff as a resource for readers. For purposes of this directory, a program is defined as “a group of coverages designed specifically for any given risk or class of business.”
IJ’s Program Directory, as well as IJ’s E&S Directory and Workers’ Comp Directory, are also available online. Brokers and insurance companies are invited to submit and maintain up to 10 free market listings for the Program Directory. Brokers and insurers continually update market listings year-round. Insurance Journal is not responsible for inaccurate information submitted by respondents.
To list a market online free of charge, visit: www.insurancejournal.com/directories.
Step-by-step instructions guide users through the listing process. To be listed in the print version of IJ’s Program Directory, please send an e-mail to: khoney@insurancejournal.com
& Underground Mining Co’s
Transportation Pollution Liab Carrier Status Admitted, Non-admitted States All States
Beacon Hill Associates
Coverages CGL, E&O, Environmental Liab, Pollution, Pollution Liab, Transportation Pollution Liab, Workers’ Comp States All States
Freberg Environmental Inc.
Coverages
Property, Truck Auto Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Virtue Risk Partners LLC
Coverages Environmental Liab, Pollution Liab Carrier Status Non-admitted States All States
Accountants/CPAs
5Star Specialty Programs
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States
Berkley Select | a Berkley Company
Coverages E&O, EPLI, Professional Liab
Carrier Status Admitted, Non-admitted States All States
Landy Insurance Agency
Coverages BOP, Crime, Cyber Liab, D&O, EPLI, Professional Liab, Workers’ Comp Carrier Status Admitted
States All States except AK, LA
Norman-Spencer International Inc.
Coverages E&O, Professional Liab Carrier Status Admitted States All States
Philadelphia Insurance Companies
Coverages BOP, E&O, Identity Theft Carrier Status Admitted
States All States except LA
Professional Insurance Concepts
Coverages E&O, EPLI, Professional Liab
Carrier Status Admitted States All States
R.V. Nuccio & Associates
Coverages E&O, Professional Liab Carrier Status Admitted States All States
Target Professional Programs
Coverages E&O, Professional Liab
Admitted States All States The McGowan Companies
Coverages E&O, Professional Liab
States All States
Addiction Treatment Facilities
Addiction Treatment Providers Insurance Program
Coverages Abuse & Molestation, Auto Comm-Standard, Business Income, Cyber Liab, GL, Hired & Non-owned Auto, Liability, Medical Malpractice, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except NY
AllComp Solutions
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative)
Carrier Status Admitted States All States
Irwin Siegel Agency
Coverages Abuse & Molestation, Accident & Health, Addiction Treatment, Commercial Auto, Boiler & Machinery, Business Income, CGL, Community/Social Svcs, Crime, Cyber Liab, D&O, EPLI, Excess Liab, GL, Inland Marine, Managed Care, Medical & Physical Rehab, Mental Health Care, Nonprofit D&O, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States
Negley Associates
Coverages CGL, Professional Liab
Carrier Status Non-admitted States All States
Nonprofits Insurance Alliance
Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, Business Income, Business Interruption, CGL, Community/Social Svcs, Developmental Disabilities, EPLI, Fiduciary Liab, Fire Legal Liab, Hired & Non-owned Auto, Inland Marine, Liquor Liab, Mechanical Breakdown, Misc Professional Liab, Nonprofit D&O, Sexual Misconduct, Umbrella, Uninsured Motorists
Carrier Status Non-admitted States Most States
Philadelphia Insurance Companies
Coverages Abuse & Molestation, Addiction Treatment, Commercial Auto, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Inland Marine, Participant Accident, Professional Liab, Property, Real & Business Personal Prop, Sexual Misconduct, Umbrella Carrier Status Admitted States All States except LA
Quaker Special Risk, a Jencap Company (Florida) Coverages Abuse & Molestation, CGL, EPLI, GL, Liability, Professional Liab, Umbrella Carrier Status Non-admitted States Most States
Quaker Special Risk, a Jencap Company (Mass.) Coverages Abuse & Molestation, CGL, EPLI, GL, Liability, Professional Liab, Umbrella Carrier Status Non-admitted States Most States
Quaker Special Risk, a Jencap Company (New Jersey)
Coverages Abuse & Molestation, CGL, EPLI, GL, Liability, Professional Liab, Umbrella Carrier Status Non-admitted States Most States
Administrative Service Org’s
Ryan Specialty National Programs
Coverages Abuse & Molestation, Blanket Addt’l Insureds, Blanket Waivers, Care/Custody/Control, Crime, Employee Benefits, EPLI, Excess Liab, GL, Hired & Non-owned Auto, Professional Liab, Property, Stop-Gap, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
World Wide Specialty, a Div of Philadelphia Ins. Co’s
Coverages Abusive Acts, Auto Comm-Standard, Blanket Addt’l Insureds, Blanket Waivers, Care/Custody/Control, Crime, Cyber Liab, D&O, E&O, Employee Benefits, EPLI, Fidelity, Fidelity Bonds, GL, Hired & Non-owned Auto, Misc Professional Liab, Professional Liab, Property, Technology E&O, Umbrella, Workers’ Comp Carrier Status Admitted States All States
Adoption Agencies
Nonprofits Insurance Alliance
Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, Business Income, Business Interruption, CGL, Community/Social Svcs, Developmental Disabilities, EPLI, Fiduciary Liab, Fire Legal Liab, Hired & Non-owned Auto, Inland Marine, Liquor Liab, Mechanical Breakdown, Misc Professional Liab, Nonprofit D&O, Sexual Misconduct, Umbrella, Uninsured Motorists Carrier Status Non-admitted States Most States
RPS Signature Programs
Coverages Abuse & Molestation, Auto Comm-Standard, CGL, Cyber Liab, Employee Benefits, EPLI, Excess Liab, Hired & Non-owned Auto, Nonprofit D&O, Professional Liab, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Adult Care Facilities
Amalgamated
28 | INSURANCE JOURNAL | NATIONAL JUNE 3, 2024 INSURANCEJOURNAL.COM
Insurance
Underwriters
Coverages Assault & Battery, Crime, Earthquake, Equipment Breakdown, Flood, Property Carrier Status Non-admitted States All States except CO, FL, HI, LA, NY, TX CRC Insurance Services
GL, Professional Liab, Property, Umbrella Carrier Status Non-admitted States All States except AR, MS, NC, OR, WA Nonprofits Insurance Alliance Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, Business Income, Business Interruption, CGL, Community/Social Svcs, Developmental Disabilities, EPLI, Fiduciary Liab, Fire Legal Liab, Hired & Non-owned Auto, Inland Marine, Liquor Liability, Mechanical Breakdown, Misc Professional Liability, Nonprofit D&O, Umbrella, Uninsured Motorists Carrier Status Non-admitted States Most States Above
Skyward Specialty Insurance Coverages Auto Comm-Standard, Contractors Equip, Equipment, Excess Liab, Flood, GL, Inland Marine, Pollution Liab, Property, Workers’ Comp Carrier Status Non-admitted States Most States Above & Underground Storage Tank Owners AU, A division of USG Insurance Services Coverages Auto Comm-Standard Phys Dmg, Business Interruption, Environmental Liab, Motor Truck Cargo, Physical Damage, Pollution Liab, Property,
Coverages Excess Liab,
Environmental Liab, Pollution Carrier Status Non-admitted States All States PartnerOne Environmental Coverages Environmental Liab, Pollution, Pollution Liab, Transportation Pollution Liab States All States Target Managers Insurance Services Coverages Auto Comm-Standard, CGL, Environmental Liab, Pollution Liab,
Carrier Status
Carrier Status Admitted
CGL, Professional Liability
Carrier Status Non-admitted States All States except KY
Union General Insurance Services Inc.
Coverages GL, Professional Liab, Property Carrier Status Admitted, Non-admitted States AZ, CA, NM, NV, OR, TX, UT, WA
Adult Clubs
MAXIMUM
Coverages Abuse & Molestation, Accident & Sickness, Addiction Treatment, Assault & Battery, Business Income, CGL, Crime, D&O, EPLI, Fire, Flood, GL, Hired & Nonowned Auto, Identity Theft, Legal Liability, Liability, Liquor Liability, Personal Property, Professional Liability, Property, Sexual Misconduct, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Agribusinesses
Agricultural Insurance Mgmt Services
Coverages Auto Comm-Standard Liability, Care/Custody/ Control, CGL, Commercial Excess, Equipment Breakdown, Excess Liab, Horse Mortality, Property, Umbrella Carrier Status Admitted States Most States
Mark D. Fredricksen Insurance Services
Coverages Auto Comm-Standard, Commercial Excess, Property Carrier Status Admitted States All States except AK, DC, HI
Omaha National Coverages Workers’ Comp Carrier Status Admitted States AZ, CA, CT, GA, IA, IL, NC, NE, NJ, NY, PA, SC
Professional Program Ins. Brokerage, a Div of SPG Ins. Coverages Abuse & Molestation, CGL, Liability Carrier Status Non-admitted States All States
XPT Specialty
Coverages CGL, Inland Marine, Pollution Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States
Aircraft Manufacturers
ABC Aviation Program
Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Business Interruption, Crime, Legal Liab, Property Carrier Status Admitted States All States except WV
Aircraft Repair/Service
ABC Aviation Program
Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Business Interruption, Crime, Cyber Liab, Legal Liab, Property Carrier Status Admitted States All States
Applied Underwriters Inc.
Coverages Cargo, Commercial Excess, D&O, Equipment, Excess Liab, Property, Workers’ Comp Carrier Status Admitted States All States
Airport Owners & Operators
ABC Aviation Program
Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Business Interruption, Crime, Cyber Liab, Legal Liab, Property Carrier Status Admitted States All States
Applied Underwriters Inc.
Coverages Combo Personal & Commercial, Liability, Workers’ Comp Carrier Status Admitted States All States
Alarm Monitoring Companies
Arrowhead General Insurance Agency Inc.
Coverages Care/Custody/Control, E&O, GL, Property Carrier Status Admitted States All States
Balance Partners - Maven
Coverages CGL, E&O, Excess Liab, GL, Liability, Professional Liab Carrier Status Non-admitted States All States
Brownyard Group
Coverages Assault & Battery, Auto Comm-Standard, Blanket Addt’l Insureds, Care/Custody/Control, CGL, Commercial Excess, Crime, E&O, Fidelity, Fire Legal Liab, GL, Inland Marine, Liability, Lost Key, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States except NE
2024 Annual Program Directory, Summer Edition
Philadelphia Insurance Companies
Coverages Abuse & Molestation, Commercial Auto, Boiler & Machinery, Business Income, Care/Custody/Control, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Inland Marine, Legal Expense Ins, Personal Property, Professional Liab, Property, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA
Ryan Specialty National Programs
Coverages Auto Comm-Nonstandard, Care/Custody/ Control, Crime, E&O, Excess Liab, GL, Inland Marine, Lost Key, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Alcohol & Substance Abuse Treatment Centers
Addiction Treatment Providers Insurance Program
Coverages Abuse & Molestation, Auto Comm-Standard, Business Income, Cyber Liab, GL, Hired & Non-owned Auto, Liability, Medical Malpractice, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except NY
Balance Partners - Maven
Coverages E&O, Excess Liab, Professional Liab Carrier Status Non-admitted States All States
Gateway Specialty Insurance
Coverages Abuse & Molestation, Crime, E&O, EPLI, GL, Nonprofit D&O, Property Carrier Status Admitted, Non-admitted States All States
Irwin Siegel Agency
Coverages Abuse & Molestation, Accident & Health, Addiction Treatment, Auto Comm-Nonstandard, Commercial Auto, Boiler & Machinery, Business Income, CGL, Community/Social Svcs, Crime, Cyber Liab, D&O, EPLI, Excess Liab, GL, Inland Marine, Managed Care, Nonprofit D&O, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States
Negley Associates
Coverages CGL, Professional Liab
Carrier Status Non-admitted States All States
NSM Insurance Group
Coverages Abuse & Molestation, Addiction Treatment, Auto Comm-Standard, Business Income, Community/Social Svcs, Cyber Liability, GL, Hired & Non-owned Auto, Liability, Medical Malpractice, Mental Health Care, Professional Liability, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
RPS Healthcare
Coverages D&O, EPLI, Excess Liab, GL, Professional Liab, Property Carrier Status Admitted, Non-admitted States All States
RPS Signature Programs
Coverages Abuse & Molestation, Auto Comm-Standard, CGL, Cyber Liab, Employee Benefits, EPLI, Excess Liab, Hired & Non-owned Auto, Nonprofit D&O, Professional Liab, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Allied Healthcare Professionals
Berkley Select | a Berkley Company
Coverages E&O, Medical Malpractice, Professional Liab Carrier Status Admitted, Non-admitted States All States
CID Insurance Programs Inc.
Coverages Abuse & Molestation, E&O, EPLI, GL, Professional Liab, Property Carrier Status Admitted, Non-admitted States AZ, CA, CO, ID, MD, NE, NM, NV, OR, TN, TX, UT, WA
ProAlly
Coverages Abuse & Molestation, Medical Malpractice, Medical Professional, Professional Liability Carrier Status Non-admitted States All States
Promont Insurance Advisors
Coverages CGL, Commercial Excess, Crime, Cyber Liab, E&O, Employee Benefits, Equipment Breakdown, Fire Legal Liab, Professional Liab, Property
Carrier Status Non-admitted States All States
RPS Healthcare
Coverages GL, Hired & Non-owned Auto, Medical Professional Carrier Status Admitted, Non-admitted States All States
Shelly, Middlebrooks & O’Leary Inc.
Coverages Abuse & Molestation, Business Income, Business Interruption, CGL, Commercial Excess, Crime, D&O, E&O, EPLI, Excess Liability, Professional Liability
Carrier Status Non-admitted States FL, GA, NC, SC, TX
Amateur Sports Associations
Alive Risk
Coverages Accident & Health, Excess Liab, GL, Inland Marine, Liquor Liab, Prize Indemnification Carrier Status Admitted, Non-admitted States All States InsuranceHelper.com
Coverages Abuse & Molestation, Blanket Addt’l Insureds, Blanket Waivers, CGL, GL, Hired & Non-owned Auto, Liability, Liquor Liab, Medical Payments, Participant Accident, Personal Liab, Sexual Misconduct, Trade Shows & Festivals Carrier Status Non-admitted States All States
Philadelphia Insurance Companies
Coverages Abuse & Molestation, Commercial Auto, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Earthquake, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Inland Marine, Legal Expense Ins, Nonprofit D&O, Participant Accident, Professional Liability, Property, Real & Business Personal Prop, Sexual Misconduct, Uninsured Motorists Carrier Status Admitted States All States except LA
RPS Signature Programs
Coverages Abuse & Molestation, Blanket Addt’l Insureds, Crime, Cyber Liab, D&O, EPLI, Equipment, Excess Liab, Fiduciary Liab, GL, Herbicide & Pesticide, Hired & Non-owned Auto, Inland Marine, Pollution, Property, St udent Accident States All States
Sports & Fitness Insurance Corporation (SFIC)
Coverages Accident & Health, Commercial Auto - Standard, BOP, CGL, Employee Benefits, Flood, GL Carrier Status Admitted, Non-admitted States All States
Sports & Wellness Insurance
Coverages Abuse & Molestation, Accident & Health, Crime, Cyber Liab, D&O, GL, Hired & Non-owned Auto, Inland Marine, Property, Umbrella Carrier Status Admitted, Non-admitted States All States
Ambulance Service
Markel
Coverages Abuse & Molestation, Auto Comm-Standard, CGL, Crime, Inland Marine, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States except AK, HI, MA, NY
National Indemnity Company
Coverages Auto Comm-Nonstandard, Auto CommNonstandard Phys Dmg, Medical Payments, Uninsured Motorists Carrier Status Admitted, Non-admitted States All States except HI, MA, NJ, NY
Prime Insurance Company
Coverages Abuse & Molestation, Assault & Battery, Auto Comm-Nonstandard, Auto Comm-Nonstandard Phys Dmg, Commercial Excess, Difference in Conditions, GL, Hired & Non-owned Auto, Motor Truck Cargo, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States All States
Pro-Praxis Insurance
Coverages E&O, Professional Liab Carrier Status Admitted States All States
Amusement Parks
Alive Risk
Coverages Excess Liab, GL, Hired & Non-owned Auto, Inland Marine, Liquor Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
McGowan Allied Specialty Insurance
Coverages Auto Comm-Standard, CGL, Crime, Equipment Breakdown, Excess Liab, Hired & Non-owned Auto, Inland Marine, Property, Workers’ Comp Carrier Status Admitted States All States
The McGowan Companies
Coverages Auto Comm-Standard, Excess Liab, GL, Inland Marine, Participant Accident, Pollution, Prize Indemnification, Property, Workers’ Comp Carrier Status Admitted States All States
Animal Rescue Organizations
Care Providers Insurance Services
Coverages Accident & Health, Auto Comm-Standard, Crime, D&O, EPLI, Excess Liab, GL,
JUNE 3, 2024 INSURANCE JOURNAL | NATIONAL | 29 INSURANCEJOURNAL.COM
Inland Marine, Professional Liab, Property States All States Nonprofits Insurance Alliance Coverages Abuse & Molestation, Accidental Death, Auto Comm-Standard, Blanket Addt’l Insureds, Blanket Waivers, CGL, Commercial Excess, Community/Social Svcs, Crime, D&O, E&O, Employee Benefits, EPLI, Fire Legal Liab, GL, Liability, Liquor Liab, Misc Professional Liab, Products Liab, Property, Umbrella, Uninsured Motorists Carrier Status Non-admitted States Most States Sapphire Blue Coverages
Airlines
2024 Annual Program Directory, Summer Edition
Antique/Classic Car
Dealers
American Collectors Insurance Inc.
Coverages Liability, Physical Damage, Uninsured Motorists Carrier Status Admitted States All States
Philadelphia Insurance Companies
Coverages Garage Liability, GL, Inland Marine, Physical Damage, Property, Umbrella Carrier Status Admitted States All States except LA
South & Western General Agency Inc.
Coverages Auto Pers-Standard, Auto Pers-Standard Phys Dmg Carrier Status Admitted States AR, MS, NM, OK, TN, TX
Apartment Building Owners
5Star Specialty Programs
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States
AllComp Solutions
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States
Amalgamated Insurance Underwriters
Coverages Boiler & Machinery, Earthquake, Flood, Property Carrier Status Non-admitted States All States except CO, FL, HI, NY, TX
Anderson & Murison Inc.
Coverages Apartment House Package, Earthquake Carrier Status Admitted, Non-admitted States All States
Berkley Luxury Group, a W.R. Berkley Company
Coverages CGL, Cyber Liab, GKLL, Hired & Non-owned Auto, Property Carrier Status Admitted States DC, GA, IL, MA, MD, MI, MN, NJ, NY, PA, VA, WI
CID Insurance Programs Inc.
Coverages BOP, CGL, Commercial Excess, Excess Liab, Fidelity, GL, Liability, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States AZ, CA, CO, ID, MD, NE, NM, NV, OR, TN, TX, UT, VA, WA
DeCotis Specialty Insurance
Coverages Business Income, Flood, General Liability, Medical Payments, Property, Wind Carrier Status Admitted, Non-admitted States CT, DE, MA, MD, ME, NH, NJ, RI, VA, VT
Distinguished Programs
Coverages Boiler & Machinery, CGL, Property, Umbrella Carrier Status Admitted, Non-admitted States All States
Flood Risk Solutions Inc.
Coverages Addt’l Living Expense, Builders Risk, Business Income, Business Interruption, Commercial Excess, Excess Flood, Flood, Personal Property Carrier Status Non-admitted States All States
Greenwood General Insurance Agency
Coverages Historic Bldgs/Unique Property, Property Carrier Status Admitted States AZ, CA, NV, OR, TX, WA
HabPro Insurance
Coverages Business Income, Equipment Breakdown, Hired & Non-owned Auto, Property Carrier Status Non-admitted States All States except AK, FL, HI, LA
Hinterland Insurance
Coverages Builders Risk, Earthquake, GL, Property, Vacant Building Carrier Status Non-admitted States All States except OK, TX
Hull & Company
Coverages Boiler & Machinery, CGL, Property Carrier Status Non-admitted States All States except DC
Logic Underwriters, a PCF Company
Coverages GL, Property Carrier Status Non-admitted States TX
M.J. Hall & Company Insurance Brokers
Coverages Business Income, CGL, COC, Property Carrier Status Admitted, Non-admitted States AK, AZ, CA, CO, HI, ID, KS, MT, ND, NE, NM, NV, OK, OR, SD, TX, UT, WA, WY
MAXIMUM
Coverages Apartment House Package, Boiler & Machinery, Business Income, CGL, COC, Commercial Excess, Difference in Conditions, Earthquake, Equipment Breakdown, Excess Liab, Fire, Fire Legal Liab, Foreclosed Properties, GKLL, GL, Hail, Historic Bldgs/Unique Property, Inland Marine, Liability, Lost Key, Mechanical Breakdown, Personal Property, Physical Damage Rental Units, Pollution, Pool & Spa Liab, Property, Umbrella, Wind Carrier Status Admitted, Non-admitted States All States
MG Skinner & Associates
Coverages Apartment House Package, Boiler & Machinery, Business Income, CGL, Crime, Cyber Liab, D&O, E&O, Earthquake, EPLI, Excess Liab, Flood, Misc Professional Liab, Professional Liab, Property, Tenant Discrimination, Umbrella, Wind, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Monarch E&S Insurance Services
Coverages GL, Property Carrier Status Non-admitted States All States
NeitClem Wholesale Insurance Brokerage Inc.
Coverages Apartment House Package, Difference in Conditions, Excess Liab, Fire, Flood, Liability, Loss of Use, Tenant Discrimination Carrier Status Admitted, Non-admitted States AZ, CA, NV, TX
Philadelphia Insurance Companies
Coverages Commercial Auto, Boiler & Machinery, Business Income, Care/Custody/Control, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Legal Expense Ins, Personal Property, Professional Liab, Protection & Indemnity (P&I), Umbrella, Uninsured Motorists
Carrier Status Admitted States All States except LA
Preferred Concepts LLC
Coverages CGL, Umbrella Carrier Status Admitted States All States
REInsurePro
Coverages Builders Risk, Business Income, CGL, Dwelling Fire, Earthquake, Equipment Breakdown, Flood, Foreclosed Properties, Hail, Hurricane, Medical Payments, Property, Real & Business Personal Prop, Rented Property, Residential Property, Tenant Discrimination, Theft, Vacant Building, Wind Carrier Status Admitted, Non-admitted States All States except FL, LA, NY
Southwest Risk
Coverages Builders Risk, CGL, Property, Umbrella
Carrier Status Admitted, Non-admitted States All States
TAPCO Underwriters Inc.
Coverages Apartment House Package, Assault & Battery, Business Income, GL, Property Carrier Status Non-admitted States Most States
The McGowan Companies
Coverages Commercial Excess, Excess Liab, Umbrella Carrier Status Admitted States All States
Union General Insurance Services Inc.
Coverages Apartment House Package, CGL, Cyber Liab, Excess Liab, Fire, GL, High Valued Homes, Property Carrier Status Admitted, Non-admitted States AZ, CA, NM, NV, OR, TX, UT, WA
XPT Specialty
Coverages Apartment House Package, Assault & Battery, CGL, Earthquake, Excess Liab, Fire, Fire Legal Liab, GL, Medical Payments, New Occurrence, Umbrella Carrier Status Non-admitted States All States
Appraisers
5Star Specialty Programs
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States
Balance Partners - Maven
Coverages CGL, E&O, Excess Liab, Professional Liab Carrier Status Non-admitted States All States
Landy Insurance Agency
Coverages BOP, Cyber Liability, E&O, Professional Liability, Workers’ Comp Carrier Status Admitted States All States except AK, LA
Target Professional Programs
Coverages E&O, Professional Liab States All States
Arborists/Tree Services
Applied Underwriters Inc.
Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Combo Personal & Commercial, Truck Auto Liab, Workers’ Comp States All States
Balance Partners - Maven
Coverages CGL, E&O, Excess Liab, Professional Liab Carrier Status Non-admitted States All States
Legacy Employer Concepts LLC
Coverages EPLI, Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted, Non-admitted States All States
StateFund First, a Div of Arthur J Gallagher Ins Brokers of CA Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States CA
Architects & Engineers
5Star Specialty Programs
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States
Access E&S Insurance Services
Coverages Environmental Liab, Excess Liab, Liability, Professional Liab Carrier Status Admitted, Non-admitted States AR, DC, DE, GA, IL, MD, NC, NJ, NY, OH, PA, SC, TN, TX, VA
Amwins - 150+ Locations Worldwide
Coverages Pollution, Technology E&O Carrier Status
Admitted, Non-admitted States All States except AK, WY
Freberg Environmental Inc.
Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Commercial Excess, E&O, Environmental Liab, EPLI, GL, Hired & Non-owned Auto, Pollution, Pollution Liab, Professional Liab, Transportation Pollution Liab, Umbrella Carrier Status Non-admitted States All States
Hull & Company
Coverages Commercial Excess, D&O, E&O, EPLI Carrier Status Admitted, Non-admitted States All States except DC
JM Wilson
Coverages Cyber Liab, D&O, E&O, EPLI, Excess Liab, Foreign GL, GL, Professional Liab, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except AK, HI, NY
Logic Underwriters, a PCF Company
Coverages BOP, Professional Liab Carrier Status Admitted, Non-admitted States TX
NeitClem Wholesale Insurance Brokerage Inc.
Coverages Excess Liab, Professional Liab
Carrier Admitted, Non-admitted States AZ, CA, NV, TX
Professional Insurance Concepts
Coverages E&O, EPLI, Professional Liab
Carrier Status Admitted States All States
Professional Underwriters Agency (PUA)
Coverages Pollution Liab, Professional Liab
Carrier Status Admitted, Non-admitted States All States
Quaker Special Risk, a Jencap Company (Florida)
Coverages Pollution Liab, Professional Liab, Umbrella
Carrier Status Non-admitted States Most States
Quaker Special Risk, a Jencap Company (Mass.)
Coverages Pollution Liab, Professional Liab, Umbrella
Carrier Status Non-admitted States Most States
Quaker Special Risk, a Jencap Company (New Jersey)
Coverages Pollution Liab, Professional Liab, Umbrella Carrier Status Non-admitted States Most States
Target Professional Programs
Coverages E&O, Professional Liab
Carrier Status Non-admitted States All States except AK, HI
Victor Insurance Managers LLC
Coverages Cyber Liab, E&O, Inland Marine, Liability, Pollution Liab, Professional Liab, Property Carrier Status Admitted States All States
Armored Car Services
Antique Gallery
30 | INSURANCE JOURNAL | NATIONAL JUNE 3, 2024 INSURANCEJOURNAL.COM
The Mechanic Group, Inc., A Division of Specialty Programs Group LLC Coverages CGL, Commercial Excess, Contractors License Bonds, D&O, E&O, EPLI, Fidelity Bonds, Liability, Umbrella, Workers’ Comp Carrier Status Non-admitted States All States Art and/or
Novatae Risk Group Coverages Earthquake, Fine Arts, Inland Marine, Mysterious Disappearance, Wind Carrier Status Admitted, Non-admitted States All States except AK, HI Asset
5Star Specialty Programs Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States Preferred Concepts LLC Coverages CGL, Umbrella Carrier Status Admitted States All States Assisted Living Centers Amalgamated Insurance Underwriters Coverages Assault & Battery, Crime, Earthquake, Equipment Breakdown, Flood, Property Carrier Status Non-admitted States All States except CO, FL, HI, LA, NY, TX
Managers
CRC Insurance Services
Coverages Excess Liab, GL, Professional Liab, Property, Umbrella Carrier Status Non-admitted States All States except AR, MS, NC, OR, WA
Element22 Insurance Services
Coverages Abuse & Molestation, Business Income, Business Interruption, Catastrophe, Hurricane Carrier Status Admitted, Non-admitted States All States
Flood Risk Solutions Inc.
Coverages Addt’l Living Expense, Builders Risk, Business Income, Business Interruption, Commercial Excess, Excess Flood, Flood, Personal Property Carrier Status Non-admitted States All States
Nonprofits Insurance Alliance
Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, Business Income, Business Interruption, CGL, Community/Social Svcs, Developmental Disabilities, EPLI, Fiduciary Liab, Fire Legal Liab, Hired & Non-owned Auto, Inland Marine, Liquor Liab, Mechanical Breakdown, Misc Professional Liab, Nonprofit D&O, Sexual Misconduct, Umbrella, Uninsured Motorists Carrier Status Non-admitted States Most States
PEO Brokers Group
Coverages WC - Master Policies/ASO, Workers’ Comp, Workers’ Comp Plus (Alternative) States All States
Promont Insurance Advisors
Coverages CGL, Cyber Liab, Liability, Professional Liab, Property Carrier Status Non-admitted States Most States
RPS Healthcare
Coverages D&O, EPLI, Excess Liab, GL, Professional Liab, Property Carrier Status Admitted, Non-admitted States All States
Sapphire Blue
Coverages CGL, Professional Liability Carrier Status Non-admitted States All States except KY
Associations/Affinity
Groups
Affinity Nonprofits
Coverages BOP, Business Income, Crime, Cyber Liab, D&O, Event Cancellation, Excess Liab, GL, Workers’ Comp Carrier Status Admitted States All States
Applied Underwriters Inc.
Coverages Accessories, Warranties, Extended Carrier Status Admitted States All States
Great American Insurance Group, Alternative Markets
Coverages Auto Comm-Standard, BOP, CGL, Inland Marine, Property, Umbrella, Workers' Comp Carrier Status Admitted, Non-admitted States All States
Philadelphia Insurance Companies
Coverages Commercial Auto, Boiler & Machinery, Business Income, Care/Custody/Control, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Legal Expense Ins, Personal Property, Professional Liab, Protection & Indemnity (P&I), Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA Professional Insurance Concepts
Coverages E&O, EPLI, Professional Liab Carrier Status Admitted States All States
Venture Insurance Programs
Coverages Auto Comm-Standard, Crime, Cyber Liab, D&O, GL, Inland Marine, Liquor Liab, Medical Malpractice, Professional Liab, Property, Real & Business Personal Prop, Sexual Misconduct, Umbrella States All States
Attorneys
5Star Specialty Programs
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States
Berkley Select | a Berkley Company
Coverages E&O, EPLI, Professional Liab
Carrier Status Admitted, Non-admitted States All States
Lawyer’s Protector Plan
Coverages E&O, Legal Liab, Legal Malpractice, Professional Liab Carrier Status Admitted States Most States
Markel
Coverages E&O, Workers’ Comp Carrier Status Admitted States All States
Number One Insurance Agency
Coverages Excess Liab, Professional Liab
Carrier Status Admitted, Non-admitted States MA
Quirk & Company
Coverages CGL, Professional Liab, Property
Carrier Status Non-admitted States NM, OK, OR, TN, TX, WA
2024 Annual Program Directory, Summer Edition
Synergy Professional Associates Inc.
Coverages E&O, Professional Liab Carrier Status Admitted, Non-admitted States All States
Target Professional Programs
Coverages Auto Comm-Standard, Auto Comm-Standard Liability, BOP, Business Income, Business Interruption, Care/ Custody/Control, CGL, Crime, E&O, Employee Benefits, EPLI, Excess Liab, Fidelity, Fire, Fire Legal Liab, Legal Expense Ins, Legal Liab, Legal Malpractice, Liability, Personal Umbrella, Professional Liab, Property, Real & Business Personal Prop, Theft, Umbrella, Workers’ Comp Carrier Status Non-admitted States All States
The McGowan Companies
Coverages E&O, Excess Liab, Professional Liab
Carrier Status Admitted States AL, CA, CO, CT, FL, GA, MI, NV, NY, OH, TN, TX, WA
Vanguard Specialty
Coverages E&O, Excess Liab, Professional Liab
Carrier Status Admitted, Non-admitted States All States
Auctioneers
Draftrs Inc.
Coverages E&O, GL, Professional Liab
Carrier Status Admitted States All States
Markel
Coverages Auto Comm-Standard, CGL, Crime, Cyber Liab, Inland Marine, Property, Umbrella, Workers’ Comp
Carrier Status Admitted States All States
Philadelphia Insurance Companies
Coverages Commercial Auto, Business Income, Care/ Custody/Control, CGL, Crime, D&O, Employee Benefits, EPLI, Fiduciary Liab, GL, Hired & Non-owned Auto, Identity Theft, Legal Expense Ins, Personal Property, Professional Liab, Protection & Indemnity (P&I), Umbrella, Uninsured Motorists
Carrier Status Admitted States All States except LA
Auto Body Shops
5Star Specialty Programs
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative)
Carrier Status Admitted States All States
Arrowhead General Insurance Agency Inc.
Coverages Auto Comm-Standard Liability, Auto CommStandard Phys Dmg, Crime, E&O, Equipment Breakdown, Garage Keepers Legal Liab, Garage Liability, GL, Personal Property, Property Carrier Status Admitted States All States except AK, FL, HI, LA
KBK Insurance Group Inc.
Coverages Dealers Open Lot, Garage Keepers Legal Liab, GL, On-Hook Cargo, Physical Damage, Property, Umbrella Carrier Status Admitted States All States except AK, HI, MA, NY
NeitClem Wholesale Insurance Brokerage Inc.
Coverages GL, Property Carrier Status Admitted, Non-admitted States AZ, CA, NV, TX
Omaha National
Coverages Workers’ Comp Carrier Status Admitted States AZ, CA, CT, GA, IA, IL, NC, NE, NJ, NY, PA, SC
Target Managers Insurance Services
Coverages Auto Comm-Standard, BOP, EPLI, Garage Liability, GKLL, Truck Auto Liab, Workers’ Comp
Carrier Status Admitted, Non-admitted States All States
Auto Dealers
AAU, A division of USG Insurance Services
Coverages Dealers Open Lot, Garage Keepers Legal Liab, Garage Liability, GKLL, Motor Truck Cargo, Umbrella
Carrier Status Admitted, Non-admitted States All States
Amwins - 150+ Locations Worldwide
Coverages Pollution, Pollution Liability
Carrier Status Non-admitted States All States
CID Insurance Programs Inc.
Coverages BOP, CGL, Commercial Excess, Dealers Open Lot, EPLI, Excess Liab, Fidelity, Garage Keepers Legal Liab, Garage Liability, GKLL, Liability, Property, Umbrella, Uninsured Motorists, Workers’ Comp
Carrier Status Admitted, Non-admitted States AZ, CA, CO, ID, NE, NM, OR, TN, TX, UT, VA, WA
KBK Insurance Group Inc.
Coverages Dealers Open Lot, Garage Keepers Legal Liab, GL, On-Hook Cargo, Physical Damage, Property, Umbrella Carrier Admitted States All States except AK, HI, MA, NY
MAXIMUM
Coverages Auto Comm-Nonstandard Phys Dmg, Boiler & Machinery, Builders Risk, Business Income, Business Interruption, Catastrophe, Dealers Open Lot, Excess Flood, Flood, GL, Hail, Hurricane, Inland Marine, Property, Theft, Umbrella Carrier Admitted, Non-admitted States All States
Meramec Secure Inc.
Coverages Product Extended Warranty, Service Contracts, Warranties, Extended Carrier Status Admitted States All States
Mexico Insurance Online
Coverages Auto Pers-Nonstandard, Auto Pers-Nonstandard Phys Dmg, Auto Pers-Standard, Auto Pers-Standard Phys Dmg, Emergency Towing & Service, Int’l Coverage - Personal States All States
Personal Safeguards Group LLC
Coverages Product Extended Warranty, Service Contracts, Warranties, Extended Carrier Status Admitted States All States
Ryan Specialty National Programs
Coverages Business Income, Crime, Cyber Liab, Dealers Open Lot, E&O, EPLI, Equipment Breakdown, Garage Keepers Legal Liab, Garage Liability, GL, Hired & Non-owned Auto, Identity Theft, Physical Damage, Property, Umbrella Carrier Status Non-admitted States Most States
Target Managers Insurance Services
Coverages EPLI, Workers’ Comp Carrier Status Admitted States All States
Victor Insurance Managers LLC
Coverages Crime, Cyber Liab, Dealers Open Lot, E&O, EPLI, Garage Keepers Legal Liab, Garage Liability, GL, Property, Umbrella Carrier Status Admitted, Non-admitted States All States except AK, HI
Wilkoff Bonds
Coverages Crime, Fidelity, Fidelity Bonds
Carrier Status Admitted States All States
Auto Dismantlers/Wrecking Yards
KBK Insurance Group Inc.
Coverages Dealers Open Lot, Garage Keepers Legal Liab, GL, On-Hook Cargo, Property, Umbrella Carrier Status Admitted States All States except AK, HI, MA, NY
Auto Haulers/Transporters
AAU, A division of USG Insurance Services
Coverages Auto Comm-Standard Phys Dmg, Cargo, Motor Truck Cargo, Physical Damage Carrier Status Admitted, Non-admitted States All States
Apollo General Ins. Agency Inc.
Coverages Auto Comm-Nonstandard Liability, Auto CommNonstandard Phys Dmg, Blanket Addt’l Insureds, Blanket Waivers, CGL, Commercial Excess, Contractors Equip, Environmental Liab, Equipment, Fidelity Bonds, Inland Marine, Pollution, Tools & Equip, Transportation Pollution Liab, Workers’ Comp Carrier Status Non-admitted States All States except AK, HI
Applied Underwriters Inc.
Coverages Auto Comm-Standard Liability, Auto CommStandard Phys Dmg, Workers’ Comp Carrier Status Admitted States All States
DeCotis Specialty Insurance
Coverages GL, Motor Truck Cargo, Physical Damage Carrier Status Non-admitted States CT, DE, MA, MD, ME, NH, NJ, RI, VA, VT
Lancer Insurance Company
Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg Carrier Status Admitted States CT, NJ, NY, PA
Prime Insurance Company
Coverages Abuse & Molestation, Assault & Battery, Auto Comm-Nonstandard, Auto Comm-Nonstandard Phys
Dmg, Commercial Excess, Dealers Open Lot, Difference in Conditions, Garage Keepers Legal Liab, Garage Liability, GKLL, GL, Hired & Non-owned Auto, Motor Truck Cargo, On-Hook Cargo, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States All States
Auto Repair Shops/Garages
AAU, A division of USG Insurance Services
Coverages Auto Comm-Standard Phys Dmg, Dealers Open Lot, Garage Keepers Legal Liab, Garage Liability, GKLL, Motor Truck Cargo, Umbrella Carrier Status Admitted, Non-admitted States All States
American Management Corporation
Coverages Fire Legal Liab, Garage Liability, GKLL, GL, Inland Marine, Liquor Liab, Property Carrier Status Admitted, Non-admitted States All States except AK, DC, HI, MA, NY
Amwins - 150+ Locations Worldwide Coverages Pollution, Pollution Liab Carrier Status Non-admitted States All States
JUNE 3, 2024 INSURANCE JOURNAL | NATIONAL | 31 INSURANCEJOURNAL.COM
2024 Annual Program Directory, Summer Edition
Auto Repair Shops/Garages (continued)
Anderson & Murison Inc.
Coverages Garage Liability, GL, Professional Liab, Property, Tools & Equip Carrier Status Admitted, Non-admitted States All States
Applied Underwriters Inc.
Coverages Auto Comm-Standard, Auto Comm-Standard Phys Dmg, Workers’ Comp Carrier Status Admitted States All States
Arrowhead General Insurance Agency Inc.
Coverages Auto Comm-Standard Liability, Auto CommStandard Phys Dmg, Crime, Equipment Breakdown, Garage Keepers Legal Liability, Property, Umbrella Carrier Status Admitted States All States except FL, TX
Ashley General Agency
Coverages Garage Keepers Legal Liab, Garage Liability, GKLL Carrier Status Non-admitted States TX
Bass Underwriters
Coverages Dealers Open Lot, Garage Keepers Legal Liab States Most States
Gorst & Compass Insurance
Coverages Garage Liability, GKLL, GL, Property Carrier Status Non-admitted States CA
IPC
Coverages CGL, Garage Keepers Legal Liab, Garage Liability, GKLL, GL, Liability, Property Carrier Status Non-admitted States AR, AZ, CA, CO, IA, ID, KS, LA, MN, MO, MT, ND, NE, NM, NV, OK, OR, SD, TX, UT, WA, WY
KBK Insurance Group Inc.
Coverages Dealers Open Lot, Garage Keepers Legal Liab, GL, On-Hook Cargo, Property, Umbrella Carrier Status Admitted States All States except AK, HI, MA, NY
M.J. Hall & Company Insurance Brokers
Coverages Business Income, Commercial Excess, Excess Liab, Fire, Garage Liability, GKLL, Medical Payments, Property, Real & Business Personal Prop Carrier Status Non-admitted States AK, AZ, CA, CO, HI, ID, KS, MT, NE, NM, NV, OK, OR, SD, TX, UT, WA, WY
Markel
Coverages BOP, Workers’ Comp Carrier Status Admitted
States All States
Monarch E&S Insurance Services
Coverages GL, Property Carrier Status Non-admitted States All States
PartnerOne Environmental
Coverages Environmental Liab, Pollution, Pollution Liab, Transportation Pollution Liab States All States
Roush Insurance Services Inc.
Coverages Business Income, Business Interruption, Care/ Custody/Control, Commercial Excess, Environmental Liab, Equipment, Excess Liab, Garage Liability, GKLL, GL, Hired & Non-owned Auto, Inland Marine, Lost Key, Medical Payments, Physical Damage, Pollution, Property, Real & Business Personal Prop, Tools & Equip, Wrongful Repo Carrier Status Non-admitted States IA, IL, IN, OH, WI
Shelly, Middlebrooks & O’Leary Inc.
Coverages Business Income, CGL, D&O, Dealers Open Lot, EPLI, Excess Liab, Fire Legal Liab, Garage Keepers Legal Liab, Garage Liability, GKLL, GL, Property Carrier Admitted, Non-admitted States FL, GA, NC, SC, TX
South & Western General Agency Inc.
Coverages Dealers Open Lot, Garage Liability, GKLL Carrier Status Admitted, Non-admitted States AR, MS, OK, TN, TX
Target Managers Insurance Services
Coverages Auto Comm-Standard, BOP, EPLI, Garage Liability, GKLL, Truck Auto Liab, Workers’ Compensation Carrier Status Admitted, Non-admitted States All States
Auto Repair/Service
Amwins - 150+ Locations Worldwide
Coverages Pollution, Pollution Liab Carrier Status Non-admitted States All States
Arrowhead General Insurance Agency Inc.
Coverages Auto Comm-Standard Liability, Auto CommStandard Phys Dmg, Crime, E&O, Equipment Breakdown, Garage Keepers Legal Liab, Garage Liability, GL, Personal Property, Property Carrier Status Admitted
States All States except AK, FL, HI, LA
CID Insurance Programs Inc.
Coverages BOP, CGL, Commercial Excess, Dealers Open Lot, EPLI, Excess Liab, Fidelity, Garage Keepers Legal Liab, Garage Liability, GKLL, GL, Liability, Property, Umbrella, Uninsured Motorists, Workers’ Comp Carrier Status Admitted, Non-admitted States AZ, CA, CO, ID, MD, NE, NM, NV, OR, TN, TX, UT, VA, WA
KBK Insurance Group Inc.
Coverages Dealers Open Lot, Garage Keepers Legal Liab, GL, On-Hook Cargo, Property, Umbrella Carrier Status Admitted States All States except AK, HI, MA, NY
Target Managers Insurance Services
Coverages Auto Comm-Standard, BOP, EPLI, Garage Liability, GKLL, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Auto Repossessors
Prime Insurance Company
Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Dealers Open Lot, Difference in Conditions, Garage Keepers Legal Liab, Garage Liability, GKLL, GL, On-Hook Cargo, Personal Liab, Professional Liab, Property, Rented Property, Wrongful Repo Carrier Status Non-admitted States All States
Wilkoff Bonds
Coverages Crime, Fidelity, Fidelity Bonds Carrier Status Admitted States All States
Auto/Truck Leasing Operations
Mexico Insurance Online
Coverages Auto Pers-Nonstandard, Auto Pers-Nonstandard Phys Dmg, Auto Pers-Standard, Auto Pers-Standard Phys Dmg, Emergency Towing & Service, Int’l Coverage - Personal States All States
Philadelphia Insurance Companies
Coverages Lessors Contingent Liab, Lessors Contingent Phys
Dmg, Lessors Excess Liab Carrier Status Admitted States All States except LA
Auto/Truck Rental Operations
Philadelphia Insurance Companies
Coverages Commercial Auto Liability & Physical Damage Excess Liab, Rented Property Carrier Status Admitted States All States except LA, MI, NV, NY
Bars/Taverns
Anderson & Murison Inc.
Coverages Assault & Battery, Business Income, Crime, Equipment Breakdown, Food Spoilage, GL, Liquor Liab, Medical Payments, Property, Real & Business Personal Prop Carrier Status Admitted, Non-admitted States All States
Bass Underwriters
Coverages Excess Liab, GL, Liquor Liab, Property, Umbrella States Most States
Business Alliance Insurance Company
Coverages Business Interruption, CGL, Cyber Liab, EPLI, Equipment Breakdown, Liquor Liab, Property States CA
Gorst & Compass Insurance
Coverages Business Income, Food Spoilage, GL, Glass, Liability, Liquor Liab, Property Carrier Status Non-admitted States CA
Greene & Associates
Coverages Commercial Excess, Umbrella Carrier Admitted, Non-admitted States All States except HI
M.J. Hall & Company Insurance Brokers
Coverages CGL, Crime, Liquor Liab, Property
Carrier Status Non-admitted States AK, AZ, CA, CO, HI, ID, KS, MT, NE, NM, NV, OK, OR, SD, TX, UT, WA, WY
NeitClem Wholesale Insurance Brokerage Inc.
Coverages Assault & Battery, Excess Liab, Fire, Fire Legal Liab, Liability, Liquor Liab Carrier Status Admitted, Non-admitted States AZ, CA, NV, TX
Number One Insurance Agency
Coverages Assault & Battery, Excess Liab, Flood, GL, Liquor Liab, Property, Vacant Building Carrier Status Admitted States MA
Quaker Special Risk, a Jencap Company (New Jersey)
Coverages Crime, Excess Liab, Liquor Liab
Carrier Status Non-admitted States DE, GA, NJ, NY
Specialty Insurance
Coverages Assault & Battery, Boiler & Machinery, Business Income, Business Interruption, CGL, Completed Operations
Liab, Crime, Fire, Fire Legal Liab, GL, Glass, Hired & Nonowned Auto, Liability, Liquor Liab, Medical Payments, Property, Real & Business Personal Prop, Spoilage, Theft Carrier Status Admitted, Non-admitted States AZ, CA, CT, DE, FL, GA, IL, MA, MD, MI, MN, MO, NC, NJ, NY, OH, PA, RI, SC, TN, TX
TAPCO Underwriters Inc.
Coverages GL, Liquor Liab, Products Liab, Property Carrier Status Non-admitted States Most States
XPT Specialty
Coverages Assault & Battery, GL, Liquor Liab, Property
Carrier Status Admitted, Non-admitted States All States
Beauty/Barber Shops/Salons/Schools/ Supplies
Anderson & Murison Inc.
Coverages Crime, E&O, GL, Hired & Non-owned Auto, Medical Payments, Property, Sexual Misconduct
Carrier Status Admitted, Non-admitted States All States
Balance Partners - Maven
Coverages CGL, E&O, Excess Liab, Professional Liab
Carrier Status Non-admitted States All States
Bass Underwriters
Coverages GL, Property States Most States
Marine Agency Corporation
Coverages Abuse & Molestation, Abusive Acts, Auto Comm-Standard, Blanket Addt’l Insureds, BOP, Business Interruption, CGL, EPLI, GL, Hired & Non-owned Auto, Liability, Professional Liab, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except AK, HI
Markel
Coverages BOP, Umbrella, Workers’ Comp
Carrier Status Admitted States Most States
NEXT Insurance
Coverages BOP, Excess Liab, GL, Professional Liab, Umbrella, Workers' Comp Carrier Status Admitted States All States
Professional Program Ins. Brokerage, a Div of SPG Ins.
Coverages Abuse & Molestation, Blanket Addt’l Insureds, Cyber Liab, E&O, Equipment Breakdown, Excess Liab, Inland Marine, Liability, Media Liab, Misc Professional Liab, Professional Liab, Property, Sexual Misconduct, Tanning Liab, Teachers Liab Carrier Status Non-admitted States All States
Roush Insurance Services Inc.
Coverages Assault & Battery, Boiler & Machinery, Business Income, Business Interruption, CGL, Commercial Excess, Crime, Cyber Liab, D&O, E&O, EPLI, Equipment Breakdown, Excess Liab, Fire, GL, Inland Marine, Liability, Pollution, Professional Liab, Property, Real & Business Personal Prop, Tanning Liab, Theft, Tools & Equip, Trade Shows & Festivals Carrier Status Non-admitted States IA, IL, IN, OH, WI
SASSI - Salon & Spa Specialty Insurance
Coverages BOP, Business Income, Business Interruption, CGL, Fire, Fire Legal Liab, GL, Glass, Inland Marine, Liability, Medical Payments, Professional Liab, Property, Theft, Tools & Equip Carrier Status Admitted States All States except AK, HI, VA, WA
TAPCO Underwriters Inc.
Coverages GL, Products Liab, Professional Liab, Property Carrier Status Non-admitted States Most States
Universal Insurance Programs
Coverages Abuse & Molestation, Business Income, Business Interruption, CGL, Crime, E&O, Employee Benefits, EPLI, Equipment Breakdown, Excess Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Liability, Products Liab, Professional Liab, Property, Real & Business Personal Prop, Stop-Gap, Theft, Umbrella Carrier Status Admitted States All States
Bed & Breakfasts
Philadelphia Insurance Companies
Coverages Commercial Auto, Boiler & Machinery, Business Income, Care/Custody/Control, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Personal Property, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA
Billiard Parlors
Gorst & Compass Insurance
Coverages Business Income, Liability, Liquor Liab, Property Carrier Status Non-admitted States CA
Billing and Collection Services
5Star Specialty Programs
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States
Balance Partners - Maven
Coverages CGL, E&O, Excess Liab, Professional Liab
Carrier Status Non-admitted States All States
32 | INSURANCE JOURNAL | NATIONAL JUNE 3, 2024 INSURANCEJOURNAL.COM
Meramec Secure Inc.
Coverages Product Extended Warranty, Service Contracts, Warranties, Extended Carrier Status Admitted States All States
Mexico Insurance Online
Coverages Auto Comm-Nonstandard, Auto CommNonstandard Phys Dmg, Auto Comm-Standard, Auto CommStandard Liability, Int’l Coverage - Personal States All States
Personal Safeguards Group LLC
Coverages Product Extended Warranty, Service Contracts, Warranties, Extended Carrier Status Admitted States All States
Philadelphia Insurance Companies
Coverages Commercial Auto, Boats, Boiler & Machinery, Business Income, Business Interruption, Care/Custody/ Control, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, Garage Liability, GL, HNOA, Identity Theft, Inland Marine, Legal Expense Ins, Personal Property, Professional Liab, Property, Protection & Indemnity (P&I), Umbrella, Uninsured Motorists Carrier Admitted States All States except LA
The Hanover Insurance Group
Coverages Auto Comm-Standard, CGL, Crime, D&O, Environmental Liab, EPLI, Equipment, Fine Arts, GKLL, GL, Hull, Legal Liab, Liability, Liquor Liab, Marina Operators Legal, Physical Damage, Piers & Docks, Pollution Liab, Products Liab, Protection & Indemnity (P&I), Watersports Liab, Workers’ Comp Carrier Admitted States All States
Boat Rental Firms
Markel Personal Lines
Coverages Boats, Commercial Marine, Hull, Watercraft Liab Carrier Status Admitted States All States
Sun Coast General Insurance Agency
Coverages GL, Physical Damage Rental Units, Watercraft Liab Carrier Status Admitted, Non-admitted States AK, AZ, CA, FL, NV, OR, UT, WA
Bowling Alleys
K&K Insurance Group Inc.
Coverages Auto Comm-Standard, Boiler & Machinery, CGL, Crime, EPLI, Excess Liab, Property, Workers’ Comp Carrier Status Admitted States All States except FL
McGowan Allied Specialty Insurance
Coverages Auto Comm-Standard, CGL, Crime, Equipment Breakdown, Excess Liab, Hired & Non-owned Auto, Inland Marine, Property, Workers’ Comp Carrier Status Admitted States All States
Philadelphia Insurance Companies
Coverages Abuse & Molestation, Commercial Auto, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Earthquake, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Inland Marine, Legal Expense Ins, Nonprofit D&O, Participant Accident, Professional Liability, Property, Real & Business Personal Prop, Sexual Misconduct, Uninsured Motorists Carrier Status Admitted States All States except LA
Sports & Wellness Insurance
Coverages Abuse & Molestation, Accident & Health, Crime, Cyber Liab, D&O, GL, Hired & Non-owned Auto, Inland Marine, Property, Umbrella Carrier Status Admitted, Non-admitted States All States
Boys & Girls Clubs
Care Providers Insurance Services
Coverages Abuse & Molestation, Accident & Health, Auto Comm-Standard, Business Interruption, Crime, D&O, EPLI, Excess Liab, GL, Inland Marine, Professional Liab, Property Carrier Status Admitted States All States
Charity First Insurance Services Inc.
Coverages Abuse & Molestation, Auto Comm-Standard, Business Income, CGL, Cyber Liab, Property, Workers’ Comp Carrier Status Admitted States All States
Gateway Specialty Insurance
Coverages Abuse & Molestation, EPLI, GL, Nonprofit D&O, Professional Liab, Property, Umbrella Carrier Status
Admitted, Non-admitted States All States except AK, HI, LA
Irwin Siegel Agency
Coverages Abuse & Molestation, Accident & Health, Commercial Auto, Boiler & Machinery, Business Income, CGL, Crime, Cyber Liab, D&O, Environmental Liab, EPLI, Equipment Breakdown, Excess Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Inland Marine, Medical Payments, Nonprofit D&O, Pollution Liab, Professional Liab, Property, Sexual Misconduct, Student Accident, Umbrella Carrier Status Admitted, Non-admitted States All States
2024 Annual Program Directory, Summer Edition
2024 Annual Program Directory, Summer Edition
Nonprofits Insurance Alliance
Coverages Abuse & Molestation, Auto Comm-Standard, Auto Comm-Standard Phys Dmg, Blanket Addt’l Insureds, Business Income, Business Interruption, CGL, Community/ Social Svcs, Crime, Developmental Disabilities, EPLI, Fiduciary Liab, Fire Legal Liab, HNOA, Inland Marine, Mechanical Breakdown, Misc Professional Liab, Nonprofit D&O, Sexual Misconduct, Umbrella, Uninsured Motorists Carrier Status Non-admitted States Most States
Philadelphia Insurance Companies
Coverages Abuse & Molestation, Commercial Auto, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, Cyber Liab, D&O, Employee Benefits, EPLI, Equipment Breakdown, Inland Marine, Participant Accident, Property, Umbrella Carrier Status Admitted States All States except LA
Breweries and Distilleries
Great American Insurance Group, Alternative Markets
Coverages Auto Comm-Standard, BOP, CGL, Inland Marine, Property, Umbrella, Workers' Comp Carrier Status Admitted, Non-admitted States All States
Markel
Coverages BOP, Workers’ Comp Carrier Status Admitted States All States
Philadelphia Insurance Companies
Coverages Commercial Auto, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Liquor Liab, Participant Accident, Professional Liab, Property, Real & Business Personal Prop, Umbrella Carrier Admitted States All States except LA
Number One Insurance Agency
Coverages Assault & Battery, GL, Liquor Liab, Real & Business Personal Prop States MA
Signature Specialty, LP
Coverages GL, Inland Marine, Liquor Liab, Products Liab, Property Carrier Status Non-admitted States All States
Broadcasters
Amwins - 150+ Locations Worldwide Coverages Auto Comm-Standard, Business Interruption, Crime, GL, Inland Marine, Property, Umbrella Carrier Status Admitted States All States
Campgrounds
McGowan Allied Specialty Insurance
Coverages Auto Comm-Standard, CGL, Crime, Equipment Breakdown, Excess Liab, Hired & Non-owned Auto, Inland Marine, Property, Workers’ Comp Carrier Status Admitted States All States
Philadelphia Insurance Companies
Coverages Commercial Auto, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, Employee Benefits, Equipment Breakdown, Fire Legal Liab, GL, Hired & Non-owned Auto, Inland Marine, Participant Accident, Professional Liab, Property, Real & Business Personal Prop, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA
Camps
Great American Ins. Group, Specialty Human Services
Coverages Commercial Auto, Boiler & Machinery, Business Income, CGL, Commercial Excess, Community/Social Svcs, Completed Operations Liab, Crime, Educator Legal Liab, Equipment Breakdown, Excess Liab, Fidelity, Fine Arts, Fire Legal Liab, GL, Historic Bldgs/Unique Property, Inland Marine, Legal Liab, Liability, Liquor Liab, Medical Payments, Misc Professional Liab, Property, Real & Business Personal Prop, Sexual Misconduct, Umbrella Carrier Status Admitted States All States except HI, LA, OK
Philadelphia Insurance Companies
Coverages Abuse & Molestation, Commercial Auto, Boiler & Machinery, Business Income, Business Interruption, CGL, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, Food Spoilage, GL, Identity Theft, Inland Marine, Participant Accident, Professional Liab, Property, Real & Business Personal Prop, Sexual Misconduct, Umbrella, Uninsured Motorists, Uninsured Personal Injury Carrier Status Admitted States All States except LA
RPS Signature Programs
Coverages Accident & Health, CGL, Crime, D&O, Equipment, Excess Liab Carrier Status Admitted States All States Sports & Fitness Insurance Corporation (SFIC) Coverages CGL, Crime, Fire Legal Liab, Flood, GL, Hired & Non-owned Auto, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted
Sports & Wellness Insurance
Coverages Abuse & Molestation, Accident & Health, Crime, Cyber Liab, D&O, GL, Hired & Non-owned Auto, Inland Marine, Property, Umbrella Carrier Status Admitted, Non-admitted States All States
Cannabis/Marijuana - Dispensary and Growers
Cannasure Insurance Services
Coverages Business Income, Business Interruption, CGL, Completed Operations Liab, EPLI, Equipment, Products Liability, Professional Liability, Property, Stop-Gap Carrier Status Non-admitted States All States
CannGuard
Coverages Business Income, CGL, Completed Operations Liab, Employee Benefits, Equipment Breakdown, Fire, GL, Hired & Non-owned Auto, Liability, Medical Payments, Products Liability, Professional Liab, Property, Real & Business Personal Prop, Stop-Gap, Theft, Workers’ Comp Carrier Status Non-admitted States All States except CA, DC, MA, NY, ND
Flux Insurance Services LLC
Coverages Auto Comm-Standard, BOP, Cargo, CGL, Commercial Excess, Crime, Cyber Liab, D&O, E&O, Employee Benefits, EPLI, Hired & Non-owned Auto, Inland Marine, Products Liab, Professional Liab, Property, WCMaster Policies/ASO, Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted, Non-admitted States All States
IPC
Coverages CGL, Equipment Breakdown, GL, Products Liab, Property Carrier Status Non-admitted States AR, AZ, CA, LA, MN, MO, MT, ND, NE, NM, NV, OK, OR, SD, UT, WA
Legacy Employer Concepts LLC
Coverages EPLI, Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted, Non-admitted States All States
M.J. Hall & Company Insurance Brokers
Coverages Business Income, CGL, GL, Products Liab, Property, Theft Carrier Status Admitted States AK, AZ, CA, CO, HI, ID, KS, MT, ND, NM, NV, OK, OR, SD, TX, UT, WA, WY Monarch E&S Insurance Services
Coverages GL, Property Carrier Status Non-admitted States All States
PEO Brokers Group
Coverages WC - Master Policies/ASO, Workers’ Comp, Workers’ Comp Plus (Alternative) States All States
StateFund First, a Div of Arthur J Gallagher Ins Brokers of CA
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States CA
Union General Insurance Services Inc.
Coverages CGL, Equipment Breakdown, Excess Liab, Fire, GL, Inland Marine, Personal Property, Products Liab, Property, Theft, Umbrella Carrier Status Non-admitted States AZ, CA, NM, NV, OR, TX, UT, WA
Casinos
Distinguished Programs
Coverages Cyber Liab, Liability, Umbrella
Carrier Status Admitted, Non-admitted States All States
Caterers
InsuranceHelper.com
Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Completed Operations Liab, GL, Hired & Non-owned Auto, Liability, Liquor Liab, Medical Payments, Personal Liab, Products Liab, Trade Shows & Festivals Carrier Status Non-admitted States All States
NEXT Insurance
Coverages BOP, Cyber Liab, EPLI, Food Borne Illness, GL, Liquor Liab, Workers' Comp Carrier Status Admitted States All States
Specialty Insurance
Coverages Assault & Battery, Boiler & Machinery, Business Income, Business Interruption, CGL, Completed Operations Liab, Crime, Fire, Food Spoilage, GL, Glass, Liability, Liquor Liab, Property, Spoilage, Theft Carrier Status Admitted, Non-admitted States AZ, CA, CT, DE, FL, GA, IL, MA, MD, MI, MN, MO, NC, NJ, NY, OH, PA, RI, SC, TN, TX
The McGowan Companies
Coverages Commercial Excess, Umbrella Carrier Status Admitted States All States
XPT Specialty
Coverages Business Income, Business Interruption, CGL, Fire, Fire Legal Liability, Liability, Medical Payments, New Occurrence, Products Liability, Property Carrier Status Admitted, Non-admitted States All States
JUNE 3, 2024 INSURANCE JOURNAL | NATIONAL | 33 INSURANCEJOURNAL.COM
Boat Dealers
States All States
2024 Annual Program Directory, Summer Edition
Cemeteries
Brownyard Group
Coverages Auto Comm-Standard, Business Income, CGL, Commercial Excess, Crime, D&O, E&O, EPLI, Equipment, Fine Arts, GL, Inland Marine, Liability, Professional Liab, Property, Tools & Equip Carrier Status Admitted States All States except AK, FL, HI, WA
Chemical Manufacturers/Distributors
ChemPlan - Chemical Insurance
Coverages Auto Comm-Standard, CGL, Environmental Liab, Property, Umbrella Carrier Status Admitted States All States
MAXIMUM
Coverages Boiler & Machinery, Builders Risk, Business Income, Business Interruption, Catastrophe, Difference in Conditions, Earthquake, Equipment, Equipment Breakdown, GL, Hurricane, Property, Umbrella Carrier Status Admitted, Non-admitted States All States
NeitClem Wholesale Insurance Brokerage Inc.
Coverages Blanket Addt’l Insureds, Completed Operations Liab, Equipment, Foreign GL, Inland Marine, Liability, Pollution, Product Extended Warranty, Products Liab Carrier Admitted, Non-admitted States AZ, CA, NV, TX
Child Care/Day Care Centers
Charity First Insurance Services Inc.
Coverages Abuse & Molestation, Accident & Health, Auto Comm-Standard, Blanket Addt’l Insureds, Boiler & Machinery, Business Income, CGL, Community/Social Svcs, Crime, Cyber Liab, Developmental Disabilities, EPLI, Equipment Breakdown, Inland Marine, Liquor Liab, Nonprofit D&O, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States
Great American Ins. Group, Specialty Human Services
Coverages Abuse & Molestation, Auto Comm-Nonstandard, Blanket Addt’l Insureds, Business Income, CGL, Commercial Excess, Community/Social Svcs, Crime, Educator Legal Liab, Employee Benefits, Equipment Breakdown, Excess Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Inland Marine, Misc Professional Liab, Professional Liab, Umbrella Carrier Status Admitted States All States except HI, LA, OK
Greene & Associates
Coverages Commercial Excess, Umbrella Carrier Admitted, Non-admitted States All States except HI
Indemnity Excess & Surplus Agency Inc.
Coverages Abuse & Molestation, Addt’l Expense, Business Income, CGL, Equipment Breakdown, Excess Liab, Professional Liab, Property Carrier Status Admitted, Non-admitted States AZ, CA, CO, FL, ID, NV, OR, TX, WA
Markel
Coverages Abuse & Molestation, Auto Comm-Standard, CGL, Crime, Cyber Liab, Inland Marine, Property, Student Accident, Umbrella, Workers’ Comp Carrier Status Admitted States All States except HI
Nonprofits Insurance Alliance
Coverages Abuse & Molestation, Auto Comm-Standard, Auto Comm-Standard Phys Dmg, Blanket Addt’l Insureds, Business Income, Business Interruption, CGL, Community/Social Svcs, Crime, Developmental Disabilities, EPLI, Fiduciary Liab, Fire Legal Liab, Hired & Non-owned Auto, Inland Marine, Liquor Liab, Mechanical Breakdown, Misc Professional Liab, Nonprofit D&O, Sexual Misconduct, Umbrella, Uninsured Motorists Carrier Status Non-admitted States Most States
Philadelphia Insurance Companies
Coverages Abuse & Molestation, Commercial Auto, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Employee Benefits, EPLI, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Inland Marine, Participant Accident, Professional Liab, Property, Real & Business Personal Prop, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA, PA, TX
Chiropractors
Philadelphia Insurance Companies
Coverages Commercial Auto, Business Income, Care/ Custody/Control, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Legal Expense Ins, Personal Property, Professional Liability, Protection & Indemnity (P&I), Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA
Churches/Religious Institutions
AAU, A division of USG Insurance Services
Coverages Auto Comm-Standard, Auto Comm-Standard Phys Dmg, Builders Risk, Business Income, Crime, Cyber Liab, D&O, Employee Benefits, EPLI, Equipmen t Breakdown, Fine Arts, Flood, Hired & Non-owned Auto, I n land Marine, Lost Key, Medical Payments, Motor Truck Cargo, Personal Property, Property, Sexual Misconduct, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
AMIS/Alliance Marketing & Insurance Services LLC
Coverages Auto Comm-Standard Liability, Auto CommStandard Phys Dmg, D&O, Equipment Breakdown, Liability, Property, Workers’ Comp Carrier Status Admitted States All States
Builders & Tradesmen’s Insurance Services Inc. (BTIS)
Coverages BOP, D&O, Workers’ Comp Carrier Status
Admitted, Non-admitted States All States except AK, NY
Care Providers Insurance Services
Coverages Abuse & Molestation, Accident & Health, Auto Comm-Standard, Crime, D&O, EPLI, Excess Liab, GL, Inland Marine, Professional Liab, Property Carrier Status Admitted States All States
Element22 Insurance Services
Coverages Catastrophe, Fire, Hurricane, Wind Carrier Status Non-admitted States AL, AR, FL, GA, KS, LA, MA, MS, NC, OK, PA, SC, TN, TX, VA
Gateway Specialty Insurance
Coverages Abuse & Molestation, EPLI, GL, Nonprofit D&O, Professional Liab, Property, Umbrella Carrier Status
Admitted, Non-admitted States All States except AK, HI, LA
Gorst & Compass Insurance
Coverages CGL, Glass, Property Carrier Status Non-admitted States CA
Philadelphia Insurance Companies
Coverages Abuse & Molestation, Commercial Auto, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Employee Benefits, EPLI, Fiduciary Liab, Fine Arts, Fire Legal Liab, GL, Glass, Hired & Non-owned Auto, Identity Theft, Inland Marine, Participant Accident, Professional Liab, Property, Real & Business Personal Prop, Sexual Misconduct, Umbrella, Uninsured Motorists
Carrier Status Admitted States All States except LA
Promont Insurance Advisors
Coverages CGL, Commercial Excess, Cyber Liab, D&O, Employee Benefits, EPLI, Excess Liab, Hired & Non-owned Auto, Professional Liab, Property, Religious Institutions
Carrier Status Non-admitted States All States
RPS Signature Programs
Coverages Abuse & Molestation, Auto Comm-Standard, Auto Comm-Standard Phys Dmg, Business Income, CGL, Commercial Excess, Crime, Cyber Liab, D&O, Hired & Nonowned Auto, Inland Marine, Property, Religious Institutions, Workers’ Comp Carrier Status Admitted States All States
Shelly, Middlebrooks & O’Leary Inc.
Coverages Abuse & Molestation, Business Income, Business Interruption, CGL, Crime, D&O, EPLI, Excess Liab, Nonprofit D&O Carrier Status Non-admitted States FL, GA, NC, SC, TX
Claims Adjusters
Balance Partners - Maven
Coverages CGL, E&O, Excess Liab, Professional Liab
Carrier Status Non-admitted States All States
Draftrs Inc.
Coverages E&O, GL, Professional Liab
Carrier Status Admitted States All States
Logic Underwriters, a PCF Company
Coverages GL, Professional Liab
Carrier Status Non-admitted States TX
Philadelphia Insurance Companies
Coverages Commercial Auto, Business Income, Care/ Custody/Control, CGL, Crime, D&O, Employee Benefits, EPLI, Fiduciary Liab, GL, Hired & Non-owned Auto, Identity Theft, Legal Expense Ins, Personal Property, Professional Liab, Protection & Indemnity (P&I), Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA
Commercial Building Owners
Applied Underwriters Inc.
Coverages Builders Risk, Combo Personal & Commercial, Commercial Excess, Workers’ Comp Carrier Status Admitted States All States
Business Alliance Insurance Company
Coverages BOP, Equipment Breakdown
Carrier Status Admitted States CA
CID Insurance Programs Inc.
Coverages Apartment House Package, BOP, Business Income, CGL, Commercial Excess, Crime, Cyber Liab, EPLI, Fidelity, GL, Hired & Non-owned Auto, Liability, Loss of Use, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States AZ, CA, CO, ID, MD, NE, NM, NV, OR, PA, TN, TX, UT, VA, WA
Continental Underwriters Inc.
Coverages Combo Personal & Commercial, Commercial Excess, Crime, Cyber Liab, Employee Benefits, Equipment Breakdown, GL, Inland Marine, Int’l Coverage - Commercial, Property, Umbrella, Wind, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
DeCotis Specialty Insurance
Coverages Apartment House Package, Business Income, CGL, Commercial Excess, Flood, Medical Payments, Property, Wind States CT, DE, MA, MD, ME, NH, NJ, PA, RI, VA, VT
Distinguished Programs
Coverages Boiler & Machinery, Builders Risk, CGL, GL, Property, Umbrella, Vacant Building Carrier Status Admitted, Non-admitted States All States
Greenwood General Insurance Agency
Coverages Historic Bldgs/Unique Property, Property, Vacant Building States AZ, CA, NV, OR, TX, WA
Hinterland Insurance
Coverages Builders Risk, CGL, Property, Vacant Building Carrier Status Non-admitted States All States
IPC
Coverages GL, Liability, Property, Real & Business Personal Prop, Vacant Building Carrier Status Non-admitted States AR, AZ, CA, CO, IA, ID, KS, LA, MO, MT, ND, NE, NM, NV, OK, OR, SD, UT, WA, WY
MAXIMUM
Coverages Builders Risk, Business Income, Business Interruption, Catastrophe, Earthquake, Equipment, Equipment Breakdown, Flood, GL, Property, Umbrella Carrier Status Admitted, Non-admitted States All States
MG Skinner & Associates
Coverages Apartment House Package, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, Cyber Liab, D&O, E&O, Earthquake, EPLI, Excess Liab, Flood, Misc Professional Liab, Professional Liab, Property, Tenant Discrimination, Umbrella, Wind, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
NeitClem Wholesale Insurance Brokerage Inc.
Coverages Assault & Battery, Business Income, CGL, COC, Difference in Conditions, Liability, Property
Carrier Status Admitted, Non-admitted States AZ, CA, NV, TX
Preferred Concepts LLC
Coverages Excess Liab, GL, Umbrella Carrier Status Admitted States All States
Promont Insurance Advisors
Coverages CGL, Cyber Liab, Property
Carrier Status Non-admitted States All States
REInsurePro
Coverages GL, Property, Vacant Building
Carrier Status Non-admitted States IN, MO, OH, PA, TX
Roush Insurance Services Inc.
Coverages Apartment House Package, Auto Comm-Standard, Blanket Addt’l Insureds, Blanket Waivers, Boiler & Machinery, Business Income, Business Interruption, CGL, Commercial Excess, Crime, D&O, E&O, EPLI, Excess Liab, Fire, Foreclosed Properties, GL, Historic Bldgs/Unique Property, Inland Marine, Installation Floaters, Liability, OCP, Pollution Liab,
Property, Real & Business Personal Prop, Rented Property, Tenant Discrimination, Theft, Vacant Building
Carrier Status Non-admitted States IA, IL, IN, OH, WI
Southwest Risk
Coverages Builders Risk, CGL, Property, Umbrella
Carrier Status Admitted, Non-admitted States All States
Sun Coast General Insurance Agency
Coverages BOP, Legal Liab, Lessors Contingent Liab, Lessors Contingent Phys Dmg, Liability, Property
Carrier Status Admitted, Non-admitted States CA
Victor Insurance Managers LLC
Coverages Builders Risk, Cyber Liab Carrier Status Admitted States All States except HI
34 | INSURANCE JOURNAL | NATIONAL JUNE 3, 2024 INSURANCEJOURNAL.COM
Commercial Marine Companies
LIG Marine Managers
Coverages Boats, Builders Risk, Care/Custody/Control, CGL, Commercial Excess, Commercial Marine, Completed Operations Liab, Federal LHWCA, Foreign GL, Hull, Inland Marine, Legal Liab, Marina Operators Legal, Piers & Docks, Pollution Liab, Protection & Indemnity (P&I), Ship Repairers Legal, Umbrella, Wet Marine, Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States
Markel Personal Lines
Coverages Boats, Commercial Marine, Hull, Pollution Liab, Watercraft Liab Carrier Status Admitted States All States
The American Equity Underwriters Inc.
Coverages MEL, USL&H, Workers’ Comp States All States
Community Associations
Affinity Nonprofits
Coverages Crime, D&O, E&O, Property Carrier Status Admitted States All States
Amwins - 150+ Locations Worldwide
Coverages Auto Comm-Standard, Crime, Earthquake, Equipment Breakdown, Flood, GL, Inland Marine, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States
CID Insurance Programs Inc.
Coverages Cyber Liab, D&O, EPLI, Excess Liab, Fidelity, GL, Property, Workers’ Comp Carrier Status Admitted, Nonadmitted States AZ, CA, CO, ID, MD, NE, NM, NV, OR, PA, TN, TX, UT, VA, WA
Coastal Insurance Underwriters Inc.
Coverages Boiler & Machinery, Business Income, CGL, Crime, Cyber Liab, Difference in Conditions, Employee Benefits, Environmental Liab, EPLI, Excess Flood, Fire, Garage Keepers Legal Liab, GL, Homeowners Pkg, Liability, Nonprofit D&O, Pool & Spa Liab, Property, Umbrella, Wind, Workers’ Comp Carrier Status Non-admitted States AL, CA, FL, GA, KY, TN, TX
Community Association Insurance Solutions LLC
Coverages Crime, Workers’ Comp Carrier Status Admitted States All States
Distinguished Programs
Coverages CGL, Crime, D&O, GL, Property, Umbrella Carrier Status Admitted, Non-admitted States All States
Ian H. Graham Insurance
Coverages Crime, D&O, Fidelity Carrier Status Admitted States All States
Indemnity Excess & Surplus Agency Inc.
Coverages D&O, EPLI, GL, Hired & Non-owned Auto, Property, Umbrella Carrier Status Admitted States All States except DC, LA, VT
Kevin Davis Insurance Services
Coverages Crime, Cyber Liab, D&O, Excess Liab Carrier Status Admitted States All States
MG Skinner & Associates
Coverages CGL, Crime, Cyber Liab, D&O, GL, Nonprofit D&O, Property, Umbrella Carrier Status Admitted, Non-admitted States All States
Shelly, Middlebrooks & O’Leary Inc.
Coverages Abuse & Molestation, Business Income, Business Interruption, CGL, Commercial Excess, Crime, Cyber Liab, D&O, E&O, EPLI, Equipment, Excess Liab, Nonprofit D&O Carrier Status Non-admitted States FL, GA, NC, SC, TX
The McGowan Companies
Coverages Commercial Excess, D&O, EPLI, Excess Liab, Fidelity, Fidelity Bonds, Fiduciary Liab, Umbrella Carrier Status Admitted States All States
Community Banks/Credit Unions
Proctor Loan Protector
Coverages Blanket Forced Placed, E&O, Excess Flood, Force Place Fire Cvrg, Foreclosed Properties, High Valued Homes, Mobile Home Ins, Mortgage Impairment, Mortgage REO Cvrg, Rented Property, Residential Property Carrier Status Non-admitted States All States
Ryan Specialty National Programs
Coverages Collateral Protection, Force Place Fire Cvrg, GL, Mortgage Impairment, Mortgage REO Cvrg, Property, Vacant Building Carrier Status Non-admitted States All States
Unitas Financial Services
Coverages Blanket Forced Placed, Collateral Protection, Flood, Force Place Fire Cvrg, Mortgage Impairment, Mortgage REO Cvrg Carrier Status Admitted, Non-admitted States All States except AK, HI
2024 Annual Program Directory, Summer Edition
Community Health Centers
Philadelphia Insurance Companies
Coverages Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fire, Fire Legal Liab, GL, Identity Theft, Inland Marine, Participant Accident, Professional Liab, Property, Real & Business Personal Prop, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA Pro-Praxis Insurance
Coverages E&O, Professional Liab Carrier Status Admitted States All States
Community/Social Services
Affinity Nonprofits
Coverages Abuse & Molestation, Accident & Health, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Crime, Cyber Liab, D&O, E&O, EPLI, Excess Auto, Excess Liab, Fiduciary Liab, GL, Nonprofit D&O, Professional Liab, Property, Umbrella Carrier Status Admitted States All States
Builders & Tradesmen’s Insurance Services Inc. (BTIS)
Coverages BOP, D&O Carrier Status Admitted, Non-admitted States All States except AK, NY
Care Providers Insurance Services
Coverages Abuse & Molestation, Accident & Health, Auto Comm-Standard, Crime, D&O, EPLI, Excess Liab, GL, Inland Marine, Professional Liab, Property Carrier Status Admitted States All States
Charity First Insurance Services Inc.
Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, Business Income, CGL, Crime, Cyber Liab, EPLI, Inland Marine, Nonprofit D&O, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States
Gateway Specialty Insurance
Coverages Abuse & Molestation, EPLI, GL, Nonprofit D&O, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States except AK, HI, LA
Great American Ins. Group, Specialty Human Services
Coverages Abuse & Molestation, Auto Comm-Nonstandard, Blanket Addt’l Insureds, Business Income, CGL, Commercial Excess, Community/Social Svcs, Crime, Educator Legal Liab, Employee Benefits, Equipment Breakdown, Excess Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Inland Marine, Misc Professional Liab, Professional Liab, Umbrella Carrier Status Admitted States All States except HI, LA, OK
Irwin Siegel Agency
Coverages Abuse & Molestation, Accident & Health, Addiction Treatment, Commercial Auto, Boiler & Machinery, Business Income, CGL, Community/Social Svcs, Crime, Cyber Liab, D&O, Developmental Disabilities, Excess Liab, GL, Inland Marine, Mental Health Care, Nonprofit D&O, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States
Negley Associates
Coverages CGL, Professional Liab Carrier Status Non-admitted States All States
Nonprofits Insurance Alliance
Coverages Abuse & Molestation, Auto Comm-Standard, Auto Comm-Standard Phys Dmg, Blanket Addt’l Insureds, Business Income, Business Interruption, CGL, Community/Social Svcs, Crime, Developmental Disabilities, EPLI, Fiduciary Liab, Fire Legal Liab, Hired & Non-owned Auto, Inland Marine, Liquor Liab, Mechanical Breakdown, Misc Professional Liab, Nonprofit D&O, Sexual Misconduct, Umbrella, Uninsured Motorists Carrier Status Non-admitted States Most States
Philadelphia Insurance Companies
Coverages Abuse & Molestation, Commercial Auto, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, Food Spoilage, GL, Hired & Non-owned Auto, Identity Theft, Participant Accident, Professional Liab, Property, Real & Business Personal Prop, Sexual Misconduct, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA
RPS Signature Programs
Coverages Abuse & Molestation, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Blanket Addt’l Insureds, Crime, Cyber Liab, D&O, EPLI, Excess Liab, Fiduciary Liab, GL, Hired & Non-owned Auto, Inland Marine, Nonprofit D&O, Professional Liab, Property, Workers’ Comp States All States
Venture Insurance Programs
Coverages Auto Comm-Standard, Crime, Cyber Liab, D&O, GL, Inland Marine, Liquor Liab, Medical Malpractice, Professional Liab, Property, Real & Business Personal Prop, Sexual Misconduct, Umbrella Carrier Status Admitted States All States
Computer Consultants/Programmers/ Designers
Indemnity Excess & Surplus Agency Inc.
Coverages Cyber Liab, GL, Property, Technology E&O
Carrier Status Admitted, Non-admitted States Most States
Philadelphia Insurance Companies
Coverages BOP, E&O Carrier Status Admitted States All States except LA
Professional Insurance Concepts
Coverages E&O, EPLI, Professional Liab
Carrier Status Admitted States All States
Professional Underwriters Agency (PUA)
Coverages Products Liab, Professional Liab
Carrier Status Admitted, Non-admitted States All States
RPS Technology & Cyber
Coverages BOP, Breach of Security, Business Income, Business Interruption, CGL, Combo Personal & Commercial, Completed Operations Liab, Crime, Cyber Liab, D&O, E&O, Employee Benefits, EPLI, Excess Liab, Fidelity, Fidelity Bonds, Fiduciary Liab, Hired & Non-owned Auto, Liability, Media Liab, Products Liab, Professional Liab, Property, Technology E&O, Umbrella Carrier Status Admitted States All States except DC
Shelly, Middlebrooks & O’Leary Inc.
Coverages Abuse & Molestation, Business Income, Business Interruption, CGL, Commercial Excess, Crime, Cyber Liab, D&O, E&O, EPLI, Equipment, Excess Liab, Professional Liab Carrier Status Non-admitted States FL, GA, NC, SC, TX
Concessionaires and Vendors
InsuranceHelper.com
Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Completed Operations Liab, GL, Hired & Non-owned Auto, Liability, Liquor Liab, Medical Payments, Personal Liab, Products Liab, Trade Shows & Festivals Carrier Status Non-admitted States All States
K&K Insurance Group Inc.
Coverages CGL, Inland Marine Carrier Status Admitted States All States
R.V. Nuccio & Associates
Coverages Accidental Death, Care/Custody/Control, CGL, GL, Hired & Non-owned Auto, Liability, Medical Payments, Trade Shows & Festivals Carrier Status Admitted States All States
Roush Insurance Services Inc.
Coverages Bailee/Customer Goods, Care/Custody/Control, CGL, Commercial Marine, Equipment Breakdown, Excess Liab, Fire, Food Spoilage, Inland Marine, Liability, Liquor Liab, Medical Payments, Portable Equip, Property, Real & Business Personal Prop, Spoilage, Tools & Equip, Trade Shows & Festivals Carrier Status Non-admitted States IA, IL, IN, OH, WI
Concrete Pumper Firms
NBIS
Coverages Commercial Auto, Bailee/Customer Goods, Blanket Addt’l Insureds, Blanket Waivers, Care/Custody/ Control, CGL, Commercial Excess, Contractors Equip, Excess Liab, HNOA, Inland Marine, Liability, Physical Damage, Physical Damage Rental Units, Real & Business Personal Prop, Tools & Equip, Truck Auto Liability, Umbrella Carrier Status Admitted, Non-admitted States All States
Norman-Spencer Agency LLC
Coverages Auto Comm-Standard Liability, Auto CommStandard Phys Dmg, CGL, Inland Marine, Property, Umbrella Carrier Status Admitted States All States except DC, NY
Condo Associations
Amalgamated Insurance Underwriters
Coverages Boiler & Machinery, Earthquake, Flood, Property Carrier Status Non-admitted
Berkley Luxury Group, a W.R. Berkley Company Coverages CGL, Cyber Liab, GKLL, Hired & Non-owned Auto, Property Carrier Status Admitted States DC, GA, IL,
JUNE 3, 2024 INSURANCE JOURNAL | NATIONAL | 35 INSURANCEJOURNAL.COM
States All States except CO, FL, HI, LA, NY, TX
MA, MD, MI, MN, NJ, NY, PA, VA, WI
Insurance Underwriters
Boiler & Machinery, Business Income, CGL, Crime, Cyber Liab, Difference in Conditions, Employee Benefits, Environmental Liab, EPLI, Excess Flood, Fire, Flood, GKLL, GL, Homeowners Pkg, Liability, Nonprofit D&O, Pool & Spa Liab, Property, Umbrella, Wind, Workers’ Comp Carrier Status Non-admitted States AL, CA, FL, GA, KY, TN, TX Commercial Sector Insurance Brokers LLC Coverages Catastrophe, CGL, Commercial Excess, Contingent Coverages, Equipment Breakdown, Excess Flood, Hurricane, Property, Umbrella, Wind Carrier Status Non-admitted States Most States
Coastal
Inc. Coverages
2024 Annual Program Directory, Summer Edition
Condo Associations (continued)
Community Association Insurance Solutions LLC
Coverages Crime, Workers’ Comp Carrier Status Admitted States All States
Distinguished Programs
Coverages CGL, Crime, D&O, GL, Property, Umbrella Carrier Status Admitted, Non-admitted States All States
Element22 Insurance Services
Coverages Catastrophe, Hail, Hurricane, Property, Weather, Wind Carrier Status Non-admitted States AL, FL, GA, LA, NC, SC, TX, VA
Flood Risk Solutions Inc.
Coverages Addt’l Living Expense, Builders Risk, Business Income, Business Interruption, Commercial Excess, Excess Flood, Flood, Personal Property Carrier Status Non-admitted States All States
HabPro Insurance
Coverages Business Income, Equipment Breakdown, Hired & Non-owned Auto, Property Carrier Status Non-admitted States All States except AK, FL, HI, LA
Ian H. Graham Insurance
Coverages Crime, D&O, Fidelity Carrier Status Admitted States All States
Kevin Davis Insurance Services
Coverages Crime, Cyber Liab, D&O, Excess Liab Carrier Status Admitted States All States
MG Skinner & Associates
Coverages Boiler & Machinery, Crime, D&O, Earthquake, Excess Liab, Flood, GL, Property, Umbrella, Wind Carrier Status Admitted, Non-admitted States All States
Philadelphia Insurance Companies
Coverages Commercial Auto, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, Employee Benefits, Equipment Breakdown, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Inland Marine, Participant Accident, Professional Liab, Property, Real & Business
Personal Prop, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA
Condo/Homeowner Associations
Amalgamated Insurance Underwriters
Coverages Boiler & Machinery, Earthquake, Flood, Property Carrier Status Non-admitted States All States except CO, FL, HI, LA, NY, TX
Anderson & Murison Inc.
Coverages Crime, GL, Hired & Non-owned Auto, Medical Payments, Property, Theft Carrier Status Admitted, Non-admitted States All States
Bass Underwriters
Coverages GL, Professional Liab, Property States Most States
Berkley Select | a Berkley Company
Coverages E&O, EPLI, Nonprofit D&O Carrier Status Admitted, Non-admitted States All States
Builders & Tradesmen’s Insurance Services Inc. (BTIS) Coverages D&O, GL, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except AK, NY
Coastal Insurance Underwriters Inc.
Coverages Boiler & Machinery, Business Income, CGL, Crime, Cyber Liab, Difference in Conditions, Employee Benefits, Environmental Liab, EPLI, Excess Flood, Fire, Flood, Garage Keepers Legal Liab, GL, Homeowners Pkg, Liability, Nonprofit D&O, Pool & Spa Liab, Property, Umbrella, Wind, Workers’ Comp Carrier Status Non-admitted States AL, CA, FL, GA, KY, TN, TX
Commercial Sector Insurance Brokers LLC
Coverages Catastrophe, CGL, Commercial Excess, Contingent Coverages, Earthquake, Equipment Breakdown, Excess Flood, Hurricane, Property, Umbrella, Wind Carrier Status Non-admitted States Most States
Community Association Insurance Solutions LLC
Coverages Crime, Workers’ Comp Carrier Status Admitted States All States
DeCotis Specialty Insurance
Coverages Business Income, CGL, Medical Payments, Property, Wind States CT, DE, MA, MD, ME, NH, NJ, RI, VA, VT
Distinguished Programs
Coverages CGL, Crime, D&O, GL, Property, Umbrella Carrier Status Admitted, Non-admitted States All States
HabPro Insurance
Coverages Business Income, Equipment Breakdown, Hired & Non-owned Auto, Property Carrier Status Non-admitted States All States except AK, FL, HI, LA
Hull & Company
Coverages Assault & Battery, CGL, D&O, Difference in Conditions, Equipment Breakdown, Excess Flood, GKLL, Property, Umbrella Carrier Status Non-admitted States All States
Ian H. Graham Insurance
Coverages Crime, D&O, Fidelity Carrier Status Admitted States All States
Kevin Davis Insurance Services
Coverages Crime, Cyber Liab, D&O, Excess Liab
Carrier Status Admitted States All States
MexiPass International Insurance Services LLC
Coverages Int’l Coverage - Commercial, Int’l CoveragePersonal Carrier Status Admitted States All States
MG Skinner & Associates
Coverages Boiler & Machinery, Crime, D&O, Earthquake, Excess Liab, Flood, GL, Property, Umbrella, Wind Carrier Status Admitted, Non-admitted States All States
NeitClem Wholesale Insurance Brokerage Inc.
Coverages GL, Property Carrier Status Admitted, Non-admitted States AZ, CA, NV, TX
Philadelphia Insurance Companies
Coverages Commercial Auto, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, Employee Benefits, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Inland Marine, Participant Accident, Professional Liab, Property, Real & Business Personal Prop, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA
Preferred Concepts LLC
Coverages CGL, Umbrella Carrier Status Admitted States All States
Quirk & Company
Coverages CGL, D&O, Excess Flood, Flood, Property Carrier Status Admitted, Non-admitted States LA, OK, OR, TX, WA
South & Western General Agency Inc.
Coverages GL, Nonprofit D&O, Professional Liab
Carrier Status Non-admitted States AR, MS, OK, TN, TX
TAPCO Underwriters Inc.
Coverages D&O, GL, Property Carrier Status Non-admitted States Most States
UCA General Insurance Services Inc.
Coverages CGL, Cyber Liab, D&O, EPLI, Equipment
Breakdown, Fire Legal Liab, Hired & Non-owned Auto, Medical Payments, Property, Umbrella
Carrier Status Admitted States AZ, CA, ID, NV, OR, UT, WA
US Assure
Coverages Builders Risk, Business Income, COC, Earthquake, Fire, Flood, Hail, High Valued Homes, Hurricane, Installation Floaters, Residential Property, Theft, Weather, Wind Carrier Status Admitted States All States
Wilkoff Bonds
Coverages Crime, Fidelity, Fidelity Bonds
Carrier Status Admitted States All States
Condominium Owners
American Reliable
Coverages Personal Property, Physical Damage
Carrier Status Admitted States CA, HI, MN, NC, NJ, SC, TX
Commercial Sector Insurance Brokers LLC
Coverages Catastrophe, Contingent Coverages, Earthquake, Hurricane, Property, Wind Carrier Status Non-admitted States Most States
Flood Risk Solutions Inc.
Coverages Addt’l Living Expense, Builders Risk, Business Income, Business Interruption, Commercial Excess, Excess Flood, Flood, Personal Property Carrier Status Non-admitted States All States
Indemnity Excess & Surplus Agency Inc.
Coverages CGL, Hired & Non-owned Auto, Loss of Use, Rented Property, Residential Property, Umbrella
Carrier Non-admitted States AZ, CA, CO, ID, NV, OR, TX, WA
MG Skinner & Associates
Coverages Addt’l Living Expense, Earthquake, Fine Arts, Flood, Food Spoilage, Homeowners Pkg, Loss of Use, Personal Liab, Personal Property, Personal Umbrella, Property, Theft, Umbrella, Wind Carrier Status Admitted, Non-admitted States All States
REInsurePro
Coverages Builders Risk, Business Income, CGL, Dwelling Fire, Earthquake, Equipment Breakdown, Flood, Foreclosed Properties, Hail, Hurricane, Liability, Medical Payments, Property, Real & Business Personal Prop, Rented Property, Residential Property, Tenant Discrimination, Theft, Vacant Building, Wind Carrier Status Non-admitted States All States except FL, LA, NY
Construction
Managers
PartnerOne Environmental
Coverages E&O, Environmental Liab, Pollution, Pollution Liab, Transportation Pollution Liab States All States
Professional Underwriters Agency (PUA)
Coverages Pollution Liab, Professional Liab
Carrier Status Admitted, Non-admitted States All States
Quaker Special Risk, a Jencap Company (New Jersey)
Coverages Blanket Addt’l Insureds, Blanket Waivers, Builders Risk, CGL, Contractors Equip, GL, Liability, Professional Liab, Umbrella Carrier Status Non-admitted States Most States
Target Professional Programs
Coverages E&O, Professional Liab
Carrier Status Non-admitted States All States
US Assure
Coverages Builders Risk, Business Income, COC, Contractors Equip, Earthquake, Fire, Flood, High Valued Homes, Hurricane, Installation Floaters, Residential Property, Theft, Tools & Equip, Weather, Wind Carrier Status Admitted States All States
Construction Wrap-Up
MAXIMUM
Coverages Excess Liab, GL, Umbrella
Carrier Status Admitted, Non-admitted States All States
Wrap Up Insurance Solutions
Coverages Excess Liab, Liability, Workers’ Comp
Carrier Status Admitted, Non-admitted States All States
Consultants-All Kinds
5Star Specialty Programs
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative)
Carrier Status Admitted States All States
AMIS/Alliance Marketing & Insurance Services LLC
Coverages Commercial Auto, BOP, Liability, Professional Liab, Property, Workers’ Comp Carrier Status Admitted States All States
Anderson & Murison Inc.
Coverages Commercial Excess, D&O, EPLI, Professional Liab
Carrier Status Admitted, Non-admitted States All States
Draftrs Inc.
Coverages E&O, GL, Professional Liab
Carrier Status Admitted States All States
KZ Insurance Brokerage LLC
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted, Non-admitted States All States except ND, OH, WA, WY
Norman-Spencer International Inc.
Coverages E&O, Professional Liab Carrier Status Admitted States All States except AK, HI
Professional Insurance Concepts
Coverages E&O, EPLI, Professional Liab
Carrier Status Admitted States All States
Professional Underwriters Agency (PUA)
Coverages E&O, Professional Liab Carrier Status Admitted, Non-admitted States All States
Western Surplus Lines Agency Inc.
Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Contractors Equip, Control of Well, Excess Liab, Inland Marine, Medical Payments, Misc Professional Liab, Pollution Liab Carrier Status Non-admitted States LA, ND, NM, OK, TX
Consultants-Environmental
Access E&S Insurance Services
Coverages Excess Liab, Liability, Pollution Liab, Professional Liab Carrier Status Non-admitted States AR, DC, DE, GA, IL, MD, NC, NJ, NY, OH, PA, SC, TN, TX, VA
Ashley General Agency
Coverages GL, Pollution Liab, Professional Liab
Carrier Status Non-admitted States TX
Beacon Hill Associates
Coverages CGL, E&O, Environmental Liab, Pollution, Pollution Liab, Transportation Pollution Liab, Workers’ Comp States All States
Commercial Sector Insurance Brokers LLC
Coverages CGL, Commercial Excess, Contractors Equip, Environmental Liab, Misc Professional Liab, Professional Liab, Umbrella Carrier Status Non-admitted States Most States
Freberg Environmental Inc.
Coverages CGL, E&O, Environmental Liab, EPLI, GL, Hired & Non-owned Auto, Pollution, Pollution Liab, Professional Liab, Transportation Pollution Liab, Umbrella Carrier Status Non-admitted States All States
36 | INSURANCE JOURNAL | NATIONAL JUNE 3, 2024 INSURANCEJOURNAL.COM
PartnerOne Environmental
Coverages CGL, E&O, Pollution Carrier Status Non-admitted States All States
Quaker Special Risk, a Jencap Company (New Jersey)
Coverages GL, Liability, Pollution, Pollution Liab, Professional Liab, Umbrella Carrier Status Non-admitted States Most States
Victor Insurance Managers LLC
Coverages Business Interruption, Cyber Liab, E&O, Liability, Pollution, Pollution Liability, Professional Liability Carrier Status Admitted, Non-admitted States All States
Contractors
Amwins - 150+ Locations Worldwide
Coverages Equipment, Excess Liab, GL, Umbrella Carrier Status Admitted, Non-admitted States All States
Anderson & Murison Inc.
Coverages Business Income, Contractors Equip, Equipment Breakdown, GL, Inland Marine, Professional Liab, Property, Real & Business Personal Prop Carrier Status Admitted, Non-admitted States All States
Applied Underwriters Inc.
Coverages Builders Risk, Commercial Excess, Workers’ Comp Carrier Status Admitted States All States
Builders & Tradesmen’s Insurance Services Inc. (BTIS)
Coverages Auto Comm-Nonstandard, Auto Comm-Standard, Builders Risk, CGL, COC, Contractors Equip, Excess Liab, GL, Inland Marine, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except AK, FL, HI, MD, NY, VT
CID Insurance Programs Inc.
Coverages Blanket Addt’l Insureds, Contractors Equip, Crime, Equipment Breakdown, Excess Liab, Inland Marine, Medical Payments, Pollution Liab, Professional Liab, Property Carrier Status Admitted, Non-admitted States AZ, CA, CO, MD, NM, NV, OR, TN, TX, UT, VA, WA
Cowbell Cyber
Coverages Breach of Security, Business Income, Business Interruption, Cyber Liab Carrier Status Admitted States All States except HI
CRC Insurance Services
Coverages Excess Liab, GL Carrier Status Non-admitted States All States except NY
DeCotis Specialty Insurance
Coverages Blanket Addt’l Insureds, Blanket Waivers, Breach of Security, CGL, Commercial Excess, Contractors Equip, Crime, E&O, Environmental Liab, EPLI, Inland Marine, Tools & Equip Carrier Status Admitted, Non-admitted States CO, CT, FL, MA, ME, NH, NJ, NY, PA, RI, VA, VT
Frank Winston Crum Insurance
Coverages Excess Liab, GL, Workers’ Comp
Carrier Status Admitted States Most States
Greene & Associates
Coverages CGL, GL Carrier Status Non-admitted States NY
Greenwood General Insurance Agency
Coverages GL, Insurance Broker Bonds States AZ, CA, OR, TX, WA
Gridiron Insurance Underwriters Inc.
Coverages Excess Liab, GL Carrier Status Admitted, Non-admitted States NJ, NY
Hinterland Insurance
Coverages CGL, Inland Marine Carrier Status Non-admitted States CA
JC Wilson Consulting Inc.
Coverages Boiler & Machinery, Equipment Breakdown, Product Extended Warranty, Service Contracts, Warranties, Extended Carrier Status Admitted States All States
National Elevator Ins. Solutions / HUB International
Coverages Auto Comm-Standard, GL, Installation Floaters, OCP, Property, Umbrella, Workers’ Comp
Carrier Status Admitted States All States except HI
National Indemnity Company
Coverages Auto Comm-Nonstandard, Auto CommNonstandard Phys Dmg, Liability, Medical Payments, Products Liab, Uninsured Motorists Carrier Status Admitted, Non-admitted States All States except HI, MA, NJ, NY
NeitClem Wholesale Insurance Brokerage Inc.
Coverages Blanket Addt’l Insureds, Completed Operations
Liab, Contractors Equip, Excess Liab, Hired & Non-owned Auto, Liability, Medical Payments, Pollution, Pollution Liab, Professional Liab, Residential `wrap-up`, Tools & Equip, Umbrella Carrier Status Admitted, Non-admitted States AZ, CA, NV, TX
NEXT Insurance
2024 Annual Program Directory, Summer Edition
Coverages CGL, E&O, Equipment, Professional Liab Carrier Status Admitted States All States
Omaha National Coverages Workers’ Comp Carrier Status Admitted States AZ, CA, CT, GA, IA, IL, NC, NE, NJ, NY, PA, SC
Oryx Insurance Brokerage Inc.
Coverages Auto Comm-Standard, GL, Umbrella, Workers’ Comp Carrier Status Admitted States CT, DE, MD, NJ, NY, PA, VT
PEO Brokers Group
Coverages WC - Master Policies/ASO, Workers’ Comp, Workers’ Comp Plus (Alternative) States All States
Philadelphia Insurance Companies
Coverages Commercial Auto, Boiler & Machinery, Business Income, Care/Custody/Control, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Legal Expense Ins, Personal Property, Professional Liab, Protection & Indemnity (P&I), Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA
Professional Underwriters Agency (PUA)
Coverages Pollution Liab, Professional Liab States All States
REInsurePro
Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Completed Operations Liab, Contractors Equip, Contractors License Bonds, Excess Liab, Inland Marine, Pollution Liab, Products Liab Carrier Status Admitted, Non-admitted States All States except NJ, NY
Roush Insurance Services Inc.
Coverages Auto Comm-Standard, Blanket Addt’l Insureds, Blanket Waivers, Boiler & Machinery, Builders Risk, Business Income, Business Interruption, CGL, Commercial Excess, Completed Operations Liab, Contractors Equip, Contractors License Bonds, Crime, D&O, E&O, Environmental Liab, EPLI, Equipment, Excess Liab, Fire, GL, Herbicide & Pesticide, Hired & Non-owned Auto, Inland Marine, Installation Floaters, Liability, Mechanical Breakdown, Medical Payments, OCP, Pollution, Pool & Spa Liab, Portable Equip, Property, Real & Business Personal Prop, Theft, Tools & Equip, Vacant Building Carrier Status Non-admitted States IA, IL, IN, OH, WI
Shield Commercial Insurance Services
Coverages Excess Liab, GL, Inland Marine, Pollution, Professional Liab, Workers’ Comp
Carrier Status Non-admitted States Most States
Skyward Specialty Insurance
Coverages Care/Custody/Control, CGL, Commercial Excess, Completed Operations Liab, Contractors Equip, Equipment, Equipment Breakdown, Excess Liab, GL, Inland Marine, Installation Floaters, Liability, Pollution, Property, Railroad Protective Liab, Tools & Equip, Workers’ Comp
Carrier Status Admitted, Non-admitted States All States except CA, NY
StateFund First, a Div of Arthur J Gallagher Ins Brokers of CA Coverages Workers’ Comp, Workers’ Comp Plus (Alternative)
Carrier Status Admitted States CA
TAPCO Underwriters Inc.
Coverages Blanket Addt’l Insureds, GL, Products Liab, Property Carrier Status Non-admitted States Most States
The McGowan Companies
Coverages Commercial Excess, Excess Liab, Umbrella States All States
Union General Insurance Services Inc.
Coverages Equipment, GL, Inland Marine
Carrier Status Admitted, Non-admitted States AZ, CA, NM, NV, OR, TX, UT, WA
US Assure
Coverages Builders Risk, Business Income, COC, Contractors Equip, Earthquake, Fire, Flood, Hail, High Valued Homes, Hurricane, Installation Floaters, Residential Property, Theft, Tools & Equip, Weather, Wind Carrier Status Admitted States All States
Virtue Risk Partners LLC
Coverages Auto Comm-Standard, CGL, Commercial Excess, E&O, Environmental Liab, Workers’ Comp
Carrier Status Non-admitted States All States
XPT Specialty
Coverages Blanket Addt’l Insureds, Builders Risk, CGL, COC, Completed Operations Liab, Contractors Equip, Fire Legal Liab, Medical Payments, New Occurrence, Pollution Liab, Tools & Equip Carrier Status Admitted, Non-admitted States All States
Contractors-Air Conditioning
Builders & Tradesmen’s Insurance Services Inc. (BTIS)
Coverages Auto Comm-Nonstandard, Auto Comm-Standard, Builders Risk, CGL, COC, Contractors Equip, Excess Liability, GL, Inland Marine, Property, Workers’ Compensation
Carrier Status Admitted, Non-admitted
States All States except AK, FL, HI, MD, NY, VT
Frank Winston Crum Insurance
Coverages Excess Liability, GL, Workers’ Comp
Carrier Status Admitted States Most States
Greene & Associates
Coverages CGL, GL Carrier Status Non-admitted States NY
Gridiron Insurance Underwriters Inc.
Coverages Excess Liab, GL Carrier Status Non-admitted States NJ, NY
Legacy Employer Concepts LLC
Coverages EPLI, Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted, Non-admitted States All States
Norman-Spencer Agency LLC
Coverages GL, Inland Marine, Property, Umbrella, Workers’ Comp Carrier Status Non-admitted States All States
Omaha National Coverages Workers’ Comp Carrier Status Admitted States AZ, CA, CT, GA, IA, IL, NC, NE, NJ, NY, PA, SC
Oryx Insurance Brokerage Inc.
Coverages Auto Comm-Standard, GL, Umbrella, Workers’ Comp Carrier Status Admitted States CT, DE, MD, NJ, NY, PA, VT
REInsurePro
Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Completed Operations Liab, Contractors Equip, Contractors License Bonds, Excess Liab, Inland Marine, Pollution Liab, Products Liab Carrier Status Admitted, Non-admitted States All States except NJ, NY
Shield Commercial Insurance Services
Coverages Excess Liab, GL, Inland Marine, Pollution, Professional Liab, Workers’ Comp Carrier Status Non-admitted States Most States
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JUNE 3, 2024 INSURANCE JOURNAL | NATIONAL | 37 INSURANCEJOURNAL.COM
AZ • CA • CT • GA • IL • NC • NE • NJ • NY • PA • SC
2024 Annual Program Directory, Summer Edition
Contractors-Alarm
Arrowhead General Insurance Agency Inc.
Coverages E&O, GL Carrier Status Admitted States All States
Brownyard Group
Coverages Assault & Battery, Auto Comm-Standard, Blanket Addt’l Insureds, Care/Custody/Control, CGL, Commercial Excess, Crime, E&O, Fidelity, Fire Legal Liab, GL, Inland Marine, Liability, Lost Key, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States except NE
Frank Winston Crum Insurance
Coverages Excess Liab, GL, Workers’ Comp Carrier Status Admitted States Most States
Integrated Underwriters ®
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted, Non-admitted States Most States
Omaha National Coverages Workers’ Comp Carrier Status Admitted States AZ, CA, CT, GA, IA, IL, NC, NE, NJ, NY, PA, SC
REInsurePro
Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Completed Operations Liab, Contractors Equip, Contractors License Bonds, Excess Liab, Inland Marine, Pollution Liab, Products Liab Carrier Status Admitted, Non-admitted States All States except NJ, NY
Ryan Specialty National Programs
Coverages Auto Comm-Nonstandard, Care/Custody/Control, Crime, E&O, Excess Liab, GL, Inland Marine, Lost Key, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
The Mechanic Group, Inc., A Division of Specialty Programs Group LLC
Coverages CGL, Commercial Excess, Contractors License Bonds, D&O, E&O, EPLI, Liability, Umbrella, Workers’ Comp Carrier Status Non-admitted States All States
Contractors-Artisan
AllComp Solutions
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States
Apollo General Ins. Agency Inc.
Coverages Auto Comm-Standard Liability, Auto CommStandard Phys Dmg, Blanket Waivers, CGL, Commercial Excess, Contractors Equip, Contractors License Bonds, EPLI, Equipment, Excess Liability Liability, Fire, Pollution Carrier Status Non-admitted States All States except AK, HI
Builders & Tradesmen’s Insurance Services Inc. (BTIS)
Coverages Auto Comm-Nonstandard, Auto Comm-Standard, Builders Risk, CGL, COC, Contractors Equip, Excess Liab, GL, Inland Marine, Property, Workers’ Comp
Carrier Status Admitted, Non-admitted States All States except AK, FL, HI, MD, NY, VT
Frank Winston Crum Insurance
Coverages Excess Liab, GL, Workers’ Comp
Carrier Status Admitted States Most States
Greene & Associates
Coverages CGL, GL Carrier Status Non-admitted States NY
Greenwood General Insurance Agency
Coverages Blanket Addt’l Insureds, CGL, Commercial Excess, Contractors License Bonds, E&O, GL Carrier Status Non-admitted States AZ, CA, OR, TX, WA
Hinterland Insurance
Coverages CGL, Inland Marine Carrier Status Non-admitted States CA
Integrated Underwriters ®
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted, Non-admitted States Most States
IPC
Coverages CGL, Contractors Equip, GL, Property Carrier Status Non-admitted States AR, AZ, CA, IA, ID, KS, LA, MN, MO, MT, ND, NE, NM, NV, OK, OR, SD, TX, UT, WA, WY
JM Wilson
Coverages Builders Risk, Business Income, Crime, Cyber Liab, E&O, EPLI, Equipment Breakdown, Excess Liab, Foreign GL, GL, Inland Marine, OCP, Pollution Liab, Professional Liab, Property, Railroad Protective Liab, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted
States All States except AK, HI, NY
Legacy Employer Concepts LLC
Coverages EPLI, Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted, Non-admitted States All States
Logic Underwriters, a PCF Company
Coverages GL, Umbrella, Workers’ Comp Carrier Status Non-admitted States TX
M.J. Hall & Company Insurance Brokers
Coverages CGL, Contractors Equip, Employee Benefits, EPLI, Pollution Liab, Property Carrier Status Admitted, Non-admitted States AK, AZ, CA, CO, HI, ID, KS, MT, NE, NM, NV, OK, OR, SD, TX, UT, WA, WY
MiniCo Insurance Agency, a Jencap Company
Coverages Commercial Auto, Blanket Addt’l Insureds, Builders Risk, CGL, Contractors Equip, Crime, Property, Tools & Equip Carrier Status Admitted, Non-admitted States AZ, CA, NV
Monarch E&S Insurance Services
Coverages GL, Inland Marine Carrier Status Non-admitted States All States
Norman-Spencer Agency LLC
Coverages Auto Comm-Standard Phys Dmg, GL, Property, Tools & Equip, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Omaha National Coverages Workers’ Comp Carrier Status Admitted States AZ, CA, CT, GA, IA, IL, NC, NE, NJ, NY, PA, SC
Oryx Insurance Brokerage Inc.
Coverages Auto Comm-Standard, GL, Umbrella, Workers’ Comp Carrier Status Admitted States CT, DE, MD, NJ, NY, PA, VT
Quaker Special Risk, a Jencap Company (New Jersey)
Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, EPLI Carrier Status Non-admitted
States CT, DE, MA, MD, ME, NJ, NY, PA, RI, VT
Quirk & Company
Coverages Commercial Excess, GL, Property
Carrier Status Non-admitted States AL, AR, AZ, LA, MO, ND, NM, OK, TN, TX, WA, WY
REInsurePro
Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Completed Operations Liab, Contractors Equip, Contractors License Bonds, Excess Liab, Inland Marine, Pollution Liab, Products Liab Carrier Status Admitted, Non-admitted States All States except NJ, NY
Shelly, Middlebrooks & O’Leary Inc.
Coverages Business Income, Business Interruption, CGL, Contractors Equip, Crime, EPLI, Equipment, Excess Liab, Inland Marine, Installation Floaters Carrier Status Admitted, Non-admitted States FL, GA, NC, SC, TX
Shield Commercial Insurance Services
Coverages Excess Liab, GL, Inland Marine, Pollution, Professional Liab, Workers’ Comp
Carrier Status Non-admitted States Most States
Southwest Risk
Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Umbrella Carrier Status Non-admitted States All States
Target Managers Insurance Services
Coverages Auto Comm-Standard, Builders Risk, Contractors Equip, Contractors License Bonds, Environmental Liab, EPLI, Excess Liab, GL, Inland Marine, OCP, Professional Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
The McGowan Companies
Coverages Commercial Excess, Excess Liab, Umbrella States All States
Contractors-Crane & Rigging
Apollo General Ins. Agency Inc.
Coverages Auto Comm-Standard, Blanket Addt’l Insureds, Blanket Waivers, CGL, Contractors Equip, Contractors License Bonds, Employee Benefits, Environmental Liab, Excess Liab, Fidelity, Fidelity Bonds, Inland Marine, On-Hook Cargo, Performance & Payment Bonds, Pollution, Property, Railroad Protective Liab, Real & Business Personal Prop, Stop-Gap, Tools & Equip, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except AK, HI
Ascinsure Specialty Risk
Coverages Auto Comm-Standard, Crime, Cyber Liab, GL, Inland Marine, Liability, Property, Umbrella, Workers’ Comp Carrier Status Non-admitted States All States
NBIS
Coverages Auto Comm-Standard, Auto Comm-Standard Phys Dmg, Bailee/Customer Goods, Blanket Addt’l Insureds, Blanket Waivers, Care/Custody/Control, CGL, Commercial Excess, Contractors Equip, Excess Liab, Hired & Non-owned Auto, Inland Marine, Liability, Physical Damage, Physical Damage Rental Units, Real & Business Personal Prop, Tools & Equip, Truck Auto Liab, Umbrella Carrier Status Admitted, Non-admitted States All States
Contractors-Demolition
Apollo General Ins. Agency Inc.
Coverages Auto Comm-Standard, Blanket Addt’l Insureds, Blanket Waivers, CGL, Contractors Equip, Contractors License Bonds, Employee Benefits, Environmental Liab, EPLI, Equipment, Excess Liab, Fidelity, Fidelity Bonds, Inland Marine, Performance & Payment Bonds, Pollution, Property, Railroad Protective Liab, Real & Business Personal Prop, StopGap, Tools & Equip, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Beacon Hill Associates
Coverages CGL, E&O, Environmental Liab, Pollution, Pollution Liab, Transportation Pollution Liab, Workers’ Comp States All States
Jencap Specialty Insurance Services (Environmental) Coverages Pollution, Pollution Liab Carrier Status Non-admitted States All States
Norman-Spencer Agency LLC
Coverages Auto Comm-Standard Liability, Auto CommStandard Phys Dmg, Excess Liab, GL, Property, Tools & Equip Carrier Status Admitted, Non-admitted States All States except NY
PartnerOne Environmental
Coverages CGL, E&O, Environmental Liab, Pollution, Pollution Liab, Transportation Pollution Liab, Workers’ Comp States All States
WINS RISK Solutions Inc
Coverages Auto Comm-Standard Liability, Excess Auto Carrier Status Admitted, Non-admitted States GA, NC, NJ, NY, PA, SC
Contractors-Electrical
Builders & Tradesmen’s Insurance Services Inc. (BTIS)
Coverages Auto Comm-Nonstandard, Auto Comm-Standard, Builders Risk, CGL, COC, Contractors Equip, Excess Liab, GL, Inland Marine, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except AK, FL, HI, MD, NY, VT
Frank Winston Crum Insurance
Coverages Excess Liab, GL, Workers’ Comp
Carrier Status Admitted States Most States
Greene & Associates
Coverages CGL, GL Carrier Status Non-admitted States NY
Integrated Underwriters ®
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted, Non-admitted States Most States
Legacy Employer Concepts LLC
Coverages EPLI, Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted, Non-admitted States All States
Oryx Insurance Brokerage Inc.
Coverages Auto Comm-Standard, GL, Umbrella, Workers’ Comp Carrier Status Admitted States CT, DE, MD, NJ, NY, PA, VT
REInsurePro
Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Completed Operations Liab, Contractors Equip, Contractors License Bonds, Excess Liab, Inland Marine, Pollution Liab, Products Liab Carrier Status Admitted, Non-admitted States All States except NJ, NY
Shield Commercial Insurance Services
Coverages Excess Liab, GL, Inland Marine, Pollution, Professional Liability, Workers’ Comp Carrier Status Non-admitted States Most States
Contractors-Elevators
National Elevator Insurance Solutions / HUB International
Coverages Auto Comm-Standard, GL, Installation Floaters,
Contractors-Environmental
Amwins
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Carrier Status
OCP, Property, Umbrella, Workers’ Comp
Admitted States All States except HI
Coverages CGL, E&O, Environmental Liab, Pollution, Pollution Liab, Transportation Pollution Liab, Workers’ Comp States All States Jencap Specialty Insurance Services (Environmental) Coverages Auto Comm-Standard, GL, Pollution, Pollution Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
- 150+ Locations Worldwide Coverages GL, Pollution Liab, Professional Liab Carrier Status Admitted, Non-admitted States All States Beacon Hill Associates
PartnerOne Environmental
Coverages CGL, E&O, Pollution Carrier Status Non-admitted States All States
Philadelphia Insurance Companies
Coverages Commercial Auto, Boiler & Machinery, Business Income, Care/Custody/Control, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Legal Expense Ins, Personal Property, Professional Liab, Protection & Indemnity (P&I), Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA
Quaker Special Risk, a Jencap Company (New Jersey)
Coverages CGL, GL, Liability, Pollution, Pollution Liab, Professional Liab, Umbrella Carrier Status Non-admitted States Most States
Quirk & Company
Coverages CGL, Contractors Equip, D&O, E&O, Environmental Liab, Equipment, Excess Flood, Excess Liab, Flood, Kidnap/Ransom, Pollution Liab, Professional Liab, Property Carrier Status Non-admitted States LA, OK, OR, TX, WA
Virtue Risk Partners LLC
Coverages Auto Comm-Standard, CGL, Commercial Excess, E&O, Environmental Liab, Workers’ Comp Carrier Status Non-admitted States All States
Contractors-Excavating/Grading
Builders & Tradesmen’s Insurance Services Inc. (BTIS)
Coverages Auto Comm-Nonstandard, Auto Comm-Standard, CGL, COC, Contractors Equip, Excess Liab, GL, Inland Marine, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except AK, FL, HI, MD, NY, VT
Integrated Underwriters ®
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted, Non-admitted States Most States
Legacy Employer Concepts LLC
Coverages EPLI, Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted, Non-admitted States All States
NeitClem Wholesale Insurance Brokerage Inc.
Coverages Blanket Addt’l Insureds, Completed Operations Liab, Contractors Equip, Excess Liab, Hired & Non-owned Auto, Liability, Medical Payments, Pollution, Pollution Liab, Professional Liab, Residential `wrap-up`, Tools & Equip, Umbrella Carrier Status Admitted, Non-admitted States AZ, CA, NV, TX
Omaha National
Coverages Workers’ Comp Carrier Status Admitted States AZ, CA, CT, GA, IA, IL, NC, NE, NJ, NY, PA, SC
Oryx Insurance Brokerage Inc.
Coverages Auto Comm-Standard, GL, Umbrella, Workers’ Comp Carrier Status Admitted States CT, DE, MD, NJ, NY, PA, VT
Contractors-Fire & Water Restoration
Beacon Hill Associates
Coverages CGL, E&O, Environmental Liab, Pollution, Pollution Liab, Transportation Pollution Liab, Workers’ Comp States All States
Jencap Specialty Insurance Services (Environmental)
Coverages Pollution, Pollution Liab Carrier Status Non-admitted States All States
Legacy Employer Concepts LLC
Coverages EPLI, Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted, Non-admitted States All States
PartnerOne Environmental
Coverages CGL, E&O, Environmental Liab, Pollution, Pollution Liab, Transportation Pollution Liab, Workers’ Comp States All States
Amwins - 150+ Locations Worldwide
Coverages GL, Pollution Liab, Professional Liab, Umbrella Carrier Status Admitted States All States except AK, HI
RelMark Program Managers
Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, E&O, Environmental Liab, Excess Liab, OCP, Professional Liab Carrier Status Non-admitted States All States except AK, CO, HI
Ryan Specialty National Programs
Coverages Auto Comm-Nonstandard, Care/Custody/Control, Crime, E&O, Excess Liab, GL, Inland Marine, Professional Liab, Property, Umbrella, Workers’ Comp
Carrier Status Admitted, Non-admitted States All States
2024 Annual Program Directory, Summer Edition
Contractors-General
Ashley General Agency
Coverages CGL, Commercial Excess, Inland Marine
Carrier Status Non-admitted States TX
Bass Underwriters
Coverages Blanket Addt’l Insureds, GL States Most States
Builders & Tradesmen’s Insurance Services Inc. (BTIS)
Coverages Auto Comm-Nonstandard, Auto Comm-Standard, Builders Risk, CGL, COC, Contractors Equip, Excess Liab, GL, Inland Marine, Property, Workers’ Comp Carrier Admitted, Non-admitted States All except AK, FL, HI, MD, NY, VT
DeCotis Specialty Insurance
Coverages Blanket Addt’l Insureds, Blanket Waivers, Equipment, Excess Liab, Fire Legal Liab, GL, Inland Marine, Medical Payments, Pollution Liab, Professional Liab Carrier Status Non-admitted States CT, DC, DE, MA, MD, ME, NH, NJ, NY, VA, VT
Greenwood General Insurance Agency
Coverages CGL, GL States AZ, CA, OR, TX, WA
Gridiron Insurance Underwriters Inc.
Coverages Excess Liab, GL Carrier Status Non-admitted States NJ, NY
Hinterland Insurance
Coverages Builders Risk, CGL, Inland Marine, Property Carrier Status Non-admitted States All States
Hull & Company
Coverages Auto Comm-Nonstandard, Auto CommNonstandard Phys Dmg, CGL Carrier Status Non-admitted States All States except DC
Integrated Underwriters ®
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative)
Carrier Status Admitted, Non-admitted States Most States
Legacy Employer Concepts LLC
Coverages EPLI, Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted, Non-admitted States All States
Logic Underwriters, a PCF Company
Coverages Builders Risk, Equipment, GL, Property
Carrier Status Admitted, Non-admitted States TX
M.J. Hall & Company Insurance Brokers
Coverages CGL, Contractors Equip, Excess Liab, Pollution Liab, Property Carrier Status Admitted, Non-admitted States AK, AZ, CA, CO, HI, ID, KS, MT, NE, NM, NV, OR, TX, UT, WA, WY
MexiPass International Insurance Services LLC
Coverages Int’l Coverage - Commercial, Int’l CoveragePersonal Carrier Status Admitted States All States
MiniCo Insurance Agency, a Jencap Company
Coverages Auto Comm-Standard, CGL, Equipment Breakdown, Excess Liab, GL, Tools & Equip
Carrier Status Admitted, Non-admitted States NY
Monarch E&S Insurance Services
Coverages Blanket Addt’l Insureds, CGL
Carrier Status Non-admitted States All States
NEXT Insurance
Coverages CGL, E&O, Equipment, Professional Liab
Carrier Status Admitted States All States
Omaha National
Coverages Workers’ Comp Carrier Status Admitted States AZ, CA, CT, GA, IA, IL, NC, NE, NJ, NY, PA, SC
Oryx Insurance Brokerage Inc.
Coverages Auto Comm-Standard, GL, Umbrella, Workers’ Comp Carrier Admitted States CT, DE, MD, NJ, NY, PA, VT
PartnerOne Environmental
Coverages E&O, Environmental Liab, Pollution, Pollution Liab, Transportation Pollution Liab States All States
Philadelphia Insurance Companies
Coverages Commercial Auto, Boiler & Machinery, Business Income, Care/Custody/Control, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Legal Expense Ins, Personal Property, Professional Liab, Protection & Indemnity (P&I), Umbrella, Uninsured Motorists
Carrier Status Admitted States All States except LA
Quaker Special Risk, a Jencap Company (Florida)
Coverages Blanket Addt’l Insureds, Blanket Waivers, Builders Risk, CGL, Contractors Equip, GL, Liability, Pollution Liab, Umbrella Carrier Status Non-admitted States Most States
Quaker Special Risk, a Jencap Company (Mass.)
Coverages Blanket Addt’l Insureds, Blanket Waivers, Builders Risk, CGL, Contractors Equip, GL, Liability, Pollution Liab, Umbrella Carrier Status Non-admitted States Most States
Quaker Special Risk, a Jencap Company (New Jersey)
Coverages Blanket Addt’l Insureds, Blanket Waivers, Builders Risk, CGL, Contractors Equip, GL, Liability, Pollution Liab, Umbrella Carrier Status Non-admitted States Most States
Quirk & Company
Coverages CGL, Contractors Equip, D&O, E&O, Environmental Liab, Equipment, Excess Flood, Excess Liab, Flood, Kidnap/Ransom, Pollution Liab, Professional Liab, Property Carrier Status Non-admitted States LA, OK, OR, TN, TX, WA
REInsurePro
Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Completed Operations Liab, Contractors Equip, Contractors License Bonds, Excess Liab, Inland Marine, Pollution Liab, Products Liab Carrier Status Admitted, Non-admitted States All States except NJ, NY
Shield Commercial Insurance Services
Coverages Excess Liab, GL, Inland Marine, Pollution, Professional Liab, Workers’ Comp Carrier Status Non-admitted States Most States
Southwest Risk
Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Umbrella Carrier Status Non-admitted States All States
The McGowan Companies
Coverages Commercial Excess, Excess Liab, Umbrella States All States
Union General Insurance Services Inc.
Coverages Blanket Addt’l Insureds, Blanket Waivers, Builders Risk, CGL, Commercial Excess, Completed Operations Liab, Contractors Equip, Equipment, Equipment Breakdown, Excess Liab, Pollution, Pollution Liab, Property, Tools & Equip, Umbrella Carrier Status Non-admitted States AZ, CA, NM, NV, OR, TX, UT, WA
US Assure
Coverages Builders Risk, Business Income, COC, Contractors Equip, Earthquake, Fire, Flood, Hail, High Valued Homes, Installation Floaters, Residential Property, Theft, Weather, Wind Carrier Status Admitted States All States
Wrap Up Insurance Solutions
Coverages GL, Residential `wrap-up` States All States
Contractors-Landscape
Applied Underwriters Inc.
Coverages Pollution Liab, Property, Workers’ Comp
States All States
Builders & Tradesmen’s Insurance Services Inc. (BTIS)
Coverages Auto Comm-Nonstandard, Auto Comm-Standard, Builders Risk, CGL, COC, Contractors Equip, Excess Liab, GL, Inland Marine, Property, Workers’ Comp
Carrier Status Admitted, Non-admitted
States All States except AK, FL, HI, MD, NY, VT
Frank Winston Crum Insurance
Coverages Excess Liab, GL, Workers’ Comp
Carrier Status Admitted States Most States
Gridiron Insurance Underwriters Inc.
Coverages Excess Liab, GL Carrier Status Non-admitted States NJ, NY
KZ Insurance Brokerage LLC
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative)
Carrier Status Admitted, Non-admitted
States All States except ND, OH, WA, WY
MiniCo Insurance Agency, a Jencap Company
Coverages Commercial Auto, CGL, GL, Herbicide & Pesticide, Inland Marine, Property, Workers’ Compensation
Carrier Status Admitted, Non-admitted States All States
Omaha National
Coverages Workers’ Comp Carrier Status Admitted
States AZ, CA, CT, GA, IA, IL, NC, NE, NJ, NY, PA, SC
Oryx Insurance Brokerage Inc.
Coverages Auto Comm-Standard, GL, Umbrella, Workers’
Comp Carrier Status Admitted States CT, DE, MD, NJ, NY, PA, VT
REInsurePro
Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Completed Operations Liab, Contractors Equip, Contractors
License Bonds, Excess Liab, Inland Marine, Pollution Liab, Products Liab Carrier Status Admitted, Non-admitted
States All States except NJ, NY
Shield Commercial Insurance Services
Coverages Excess Liab, GL, Inland Marine, Pollution, Professional Liab, Workers’ Comp
Carrier Status Non-admitted States Most States
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Contractors-Fire Protection/Fire Sprinkler
2024 Annual Program Directory, Summer Edition
Contractors-Marine
Builders & Tradesmen’s Insurance Services Inc. (BTIS)
Coverages Auto Comm-Standard, GL Carrier Status
Admitted States All States except AL, KS, LA, MS, TX, WI
JM Wilson
Coverages CGL, GL, Inland Marine, Marina Operators Legal, Property, Protection & Indemnity (P&I), Tools & Equip
Carrier Status Admitted, Non-admitted States All States except AK, HI, NY
LIG Marine Managers
Coverages CGL, Contractors Equip, Equipment, Federal LHWCA, Foreign GL, Hull, Int’l Coverage - Commercial, Pollution Liab, Products Liab, Protection & Indemnity (P&I), Ship Repairers Legal, Tools & Equip, Umbrella, USL&H, Wet Marine, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
The American Equity Underwriters Inc.
Coverages MEL, USL&H, Workers’ Comp States All States
The Hanover Insurance Group
Coverages Builders Risk, Contractors Equip, Installation Floaters, Property Carrier Status Admitted States All States
Contractors-Oil & Gas
Ashley General Agency
Coverages CGL, Excess Liab, Pollution Liab, Professional Liab Carrier Status Non-admitted States TX
Novatae Risk Group
Coverages Auto Comm-Standard Liability, Auto CommStandard Phys Dmg, GL, Inland Marine, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Quirk & Company
Coverages CGL, Contractors Equip, Control of Well, D&O, E&O, Environmental Liab, Equipment, Excess Flood, Excess Liab, Flood, Kidnap/Ransom, Pollution Liab, Professional Liab, Property Carrier Status Non-admitted States LA, OK, OR, TX, WA
Southwest Risk
Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Umbrella Carrier Status Non-admitted States All States
Western Surplus Lines Agency Inc.
Coverages Blanket Addt’l Insureds, Blanket Waivers, Cargo, CGL, Control of Well, Hired & Non-owned Auto, Inland Marine, Medical Payments, Pollution Liab, Professional Liab, Rented Property, Tools & Equip Carrier Status Non-admitted States LA, ND, NM, OK, TX
Contractors-Plumbing
Builders & Tradesmen’s Insurance Services Inc. (BTIS)
Coverages GL, Workers’ Comp States All States except AK, DC, HI, NY
Greene & Associates
Coverages CGL, GL Carrier Status Non-admitted States NY
Gridiron Insurance Underwriters Inc.
Coverages Excess Liab, GL Carrier Status Non-admitted States NJ, NY
Integrated Underwriters ®
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted, Non-admitted States Most States
Norman-Spencer Agency LLC
Coverages GL, Inland Marine, Property, Umbrella Carrier Status Admitted, Non-admitted States All States
Omaha National
Coverages Workers’ Comp Carrier Status Admitted States AZ, CA, CT, GA, IA, IL, NC, NE, NJ, NY, PA, SC
Oryx Insurance Brokerage Inc.
Coverages Auto Comm-Standard, GL, Umbrella, Workers’ Comp Carrier Status Admitted States CT, DE, MD, NJ, NY, PA, VT
REInsurePro
Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Completed Operations Liab, Contractors Equip, Contractors License Bonds, Excess Liab, Inland Marine, Pollution Liab, Products Liab Carrier Status Admitted, Non-admitted States All States except NJ, NY
Shield Commercial Insurance Services
Coverages Excess Liab, GL, Inland Marine, Pollution, Professional Liab, Workers’ Comp Carrier Status Non-admitted States Most States
Contractors-Roofing
Amwins - 150+ Locations Worldwide
Coverages GL, Medical Payments, Umbrella Carrier Status Admitted States All States except AK, HI
Greene & Associates
Coverages CGL, GL Carrier Status Non-admitted States NY
Hull & Company
Coverages Auto Comm-Nonstandard, Auto CommNonstandard Phys Dmg, CGL, Contractors Equip
Carrier Status Non-admitted States All States except DC
Integrated Underwriters ®
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted, Non-admitted States Most States
Legacy Employer Concepts LLC
Coverages EPLI, Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted, Non-admitted States All States
MexiPass International Insurance Services LLC
Coverages Int’l Coverage - Commercial, Int’l CoveragePersonal Carrier Status Admitted States All States
NeitClem Wholesale Insurance Brokerage Inc.
Coverages Blanket Addt’l Insureds, Completed Operations Liab, Contractors Equip, Excess Liab, Hired & Non-owned Auto, Liability, Medical Payments, Pollution, Pollution Liab, Professional Liab, Residential `wrap-up`, Tools & Equip, Umbrella Carrier Status Admitted, Non-admitted States AZ, CA, NV, TX
Norman-Spencer Agency LLC
Coverages Auto Comm-Standard, Excess Liab, GL, Tools & Equip Carrier Status Admitted, Non-admitted States All States
Norman-Spencer International Inc.
Coverages E&O, Professional Liab Carrier Status Admitted, Non-admitted States All States
Novatae Risk Group
Coverages Builders Risk, GL, Inland Marine, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Quaker Special Risk, a Jencap Company (Florida)
Coverages CGL, GL, Liability, Umbrella
Carrier Status Non-admitted States Most States
Quaker Special Risk, a Jencap Company (Mass.)
Coverages CGL, GL, Liability, Umbrella
Carrier Status Non-admitted States Most States
Quaker Special Risk, a Jencap Company (New Jersey)
Coverages CGL, GL, Liability, Umbrella
Carrier Status Non-admitted States Most States
REInsurePro
Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Completed Operations Liab, Contractors Equip, Contractors License Bonds, Excess Liab, Inland Marine, Pollution Liab, Products Liab Carrier Status Non-admitted States All States except NJ, NY
Shield Commercial Insurance Services
Coverages Excess Liab, GL, Inland Marine, Pollution, Professional Liab, Workers’ Comp
Carrier Status Non-admitted States Most States
Southwest Risk
Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Umbrella Carrier Status Non-admitted States All States
StateFund First, a Div of Arthur J Gallagher Ins Brokers of CA
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) States CA
Contractors-Service
Builders & Tradesmen’s Insurance Services Inc. (BTIS)
Coverages Auto Comm-Nonstandard, Auto Comm-Standard, Builders Risk, CGL, COC, Contractors Equip, Excess Liab, GL, Inland Marine, Property, Workers’ Compensation
Carrier Status Admitted, Non-admitted
States All States except AK, FL, HI, MD, NY, VT
Frank Winston Crum Insurance
Coverages Excess Liab, GL, Workers’ Comp
Carrier Status Admitted States Most States
JC Wilson Consulting Inc.
Coverages Boiler & Machinery, Equipment Breakdown, Product Extended Warranty, Service Contracts, Warranties, Extended Carrier Status Admitted States All States
KZ Insurance Brokerage LLC
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative)
Carrier Status Admitted, Non-admitted States All States except ND, OH, WA, WY
Oryx Insurance Brokerage Inc.
Coverages Auto Comm-Standard, GL, Umbrella, Workers’ Comp Carrier Status Admitted States CT, DE, IL, MD, NJ, NY, PA, VT, WV
REInsurePro
Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Completed Operations Liab, Contractors Equip, Contractors License Bonds, Excess Liab, Inland Marine, Pollution Liab, Products Liab Carrier Status Admitted, Non-admitted States All States except NJ, NY
Ryan Specialty National Programs
Coverages Assault & Battery, Auto Comm-Nonstandard, Care/ Custody/Control, Crime, E&O, Excess Liab, GL, Inland Marine, Lost Key, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Admitted, Non-admitted States All States
Shield Commercial Insurance Services
Coverages Excess Liab, GL, Inland Marine, Pollution, Professional Liab, Workers’ Comp Carrier Status Non-admitted States Most States
Contractors-Swimming Pools
Frank Winston Crum Insurance
Coverages Excess Liab, GL, Workers’ Comp Carrier Status Admitted States Most States
M.J. Hall & Company Insurance Brokers
Coverages CGL, Contractors Equip, Excess Liab, Property Carrier Status Admitted, Non-admitted States AK, AZ, CA, CO, HI, ID, KS, MT, NE, NM, NV, OK, OR, SD, TX, UT, WA, WY
Omaha National
Coverages Workers’ Comp Carrier Status Admitted States AZ, CA, CT, GA, IA, IL, NC, NE, NJ, NY, PA, SC
Shield Commercial Insurance Services
Coverages Excess Liab, GL, Inland Marine, Pollution, Professional Liab, Workers’ Compensation Carrier Status Non-admitted States Most States
Contractors-Underground Storage Tanks
AAU, A division of USG Insurance Services
Coverages Auto Comm-Standard, Auto Comm-Standard Phys Dmg, Contractors Equip, Environmental Liab, GL, Inland Marine, Motor Truck Cargo, Pollution, Umbrella, Workers’ Comp Carrier Admitted, Non-admitted States All States
Freberg Environmental Inc.
Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Commercial Excess, E&O, Environmental Liab, EPLI, GL, Hired & Non-owned Auto, Pollution, Pollution Liab, Professional Liab, Transportation Pollution Liab Carrier Status Non-admitted States All States
Jencap Specialty Insurance Services (Environmental) Coverages Pollution, Pollution Liab Carrier Status Non-admitted States All States
Convenience Stores
Business Alliance Insurance Company
Coverages BOP, Cyber Liab, EPLI, Equipment Breakdown, Liquor Liab Carrier Status Admitted States CA
Covenant Underwriters
Coverages Crime, Cyber Liab, Flood, GL, Pollution, Property Carrier Status Non-admitted States All States except AK, HI
Gorst & Compass Insurance
Coverages Business Income, CGL, Glass, Property, Spoilage Carrier Status Non-admitted States CA
Markel
Coverages BOP, Workers’ Comp Carrier Status Admitted States All States
McLeckie Insurance Group
Coverages Business Income, Crime, EPLI, Equipment, Food Borne Illness, Liquor Liab, Property Carrier Status Non-admitted States All States
NEXT Insurance
Coverages BOP, Cyber Liab, EPLI, GL, Liquor Liab, Workers' Comp Carrier Status Admitted States All States
TAPCO Underwriters Inc.
Coverages GL, Liquor Liab, Products Liab, Property Carrier Status Non-admitted States Most States
UCA General Insurance Services Inc.
Coverages Business Income, CGL, Crime, Cyber Liab, EPLI, Equipment Breakdown, Fire Legal Liab, Medical Payments, Property, Umbrella Carrier Status Admitted States AZ, CA, ID, NV, OR, UT, WA
XPT Specialty
Coverages Business Interruption, CGL, Excess Liab, Fire, Fire Legal Liab,
40 | INSURANCE JOURNAL | NATIONAL JUNE 3, 2024 INSURANCEJOURNAL.COM
GL, Liability, Liquor Liab, Medical Payments, New Occurrence, Property Carrier Status Admitted, Non-admitted States All States
Cosmetic Manufacturers
Brownyard Group
Coverages Business Income, Business Interruption, CGL, Employee Benefits, Fire, Fire Legal Liab, GL, Glass, Inland Marine, Liability, Personal Property, Products Liab, Property, Workers’ Comp Carrier Status Non-admitted States All States except KS
Cosmetic Insurance Services, a division of EPIC Brokers
Coverages Commercial Auto, Boiler & Machinery, Crime, GL, Inland Marine, Products Liab, Property, Umbrella Carrier Status Admitted States All States
Euclid Life Science Specialty LLC
Coverages Commercial Excess, Completed Operations Liab, E&O, Excess Liab, GL, Liability, Products Liab, Professional Liab Carrier Status Non-admitted States All States
Counselors/Counseling Centers
Affinity Nonprofits
Coverages Abuse & Molestation, Auto Comm-Standard, Auto Comm-Standard Liability, Crime, Cyber Liab, D&O, EPLI, Excess Liab, Fiduciary Liab, GL, Inland Marine, Nonprofit D&O, Professional Liab, Property Carrier Status Admitted States All States
Care Providers Insurance Services
Coverages Abuse & Molestation, Accident & Health, Auto Comm-Standard, Crime, D&O, EPLI, Excess Liab, GL, Inland Marine, Professional Liab, Property Carrier Status Admitted States All States
Charity First Insurance Services Inc.
Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, Boiler & Machinery, Business Income, CGL, Crime, Cyber Liab, EPLI, Equipment
Breakdown, Inland Marine, Liquor Liab, Nonprofit D&O, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States
Negley Associates
Coverages CGL, Professional Liab Carrier Status Non-admitted States All States
Nonprofits Insurance Alliance
Coverages Abuse & Molestation, Blanket Addt’l Insureds, Business Income, Business Interruption, CGL, Commercial Auto, Community/Social Svcs, Crime, Developmental Disabilities, EPLI, Fiduciary Liab, Fire Legal Liab, Hired & Non-owned Auto, Inland Marine, Liquor Liab, Mechanical Breakdown, Misc Professional Liab, Nonprofit D&O, Sexual Misconduct, Umbrella, Uninsured Motorists
Carrier Status Non-admitted States Most States
Philadelphia Insurance Companies
Coverages Abuse & Molestation, Commercial Auto, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Identity Theft, Inland Marine, Participant Accident, Physical Damage, Professional Liab, Property, Real & Business Personal Prop, Sexual Misconduct, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA
Venture Insurance Programs
Coverages Auto Comm-Standard, Crime, Cyber Liab, D&O, GL, Inland Marine, Liquor Liab, Medical Malpractice, Professional Liab, Property, Real & Business Personal Prop, Sexual Misconduct, Umbrella States All States
Country Clubs
KZ Insurance Brokerage LLC
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Admitted States All States except ND, OH, WA, WY
Philadelphia Insurance Companies
Coverages Abuse & Molestation, Commercial Auto, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, Food Spoilage, GL, Hired & Non-owned Auto, Identity Theft, Inland Marine, Liquor Liab, Participant Accident, Professional Liab, Property, Real & Business Personal Prop, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA
RPS Signature Programs
Coverages Accident & Health, Auto Comm-Standard, Crime, D&O, Earthquake, Employee Benefits, EPLI, Fiduciary Liab, Flood, Herbicide & Pesticide, Inland Marine, Liquor Liab, Pollution Liab, Property, Umbrella, Workers’ Comp States All States
Sports & Fitness Insurance Corporation (SFIC)
Coverages Accident & Health, Assault & Battery, Auto CommStandard, Boiler & Machinery, BOP, Builders Risk, Business Income, Business Interruption, CGL, Crime, Cyber Liab, D&O, EPLI, Equipment Breakdown, Flood, GL, Pool & Spa Liab, Professional Liab, Umbrella, Workers’ Comp Carrier Status Admitted States All States
2024 Annual Program Directory, Summer Edition
Venture Insurance Programs
Coverages D&O, E&O, EPLI, Excess Liab, GL, Herbicide & Pesticide, Liquor Liab, Pollution, Property, Tee-to-Green, Umbrella, Workers’ Comp Carrier Status Admitted States All States
Couriers
National Indemnity Company
Coverages Auto Comm-Nonstandard, Auto CommNonstandard Phys Dmg, Liability, Medical Payments, Uninsured Motorists Carrier Status Admitted, Non-admitted States All States except HI, MA, NJ, NY
Omaha National
Coverages Workers’ Comp Carrier Status Admitted States AZ, CA, CT, GA, IA, IL, NC, NE, NJ, NY, PA, SC
Parcel Insurance Plan
Coverages Cargo, Inland Marine Carrier Status Admitted States All States
Risk Strategies, Transportation Group
Coverages Auto Comm-Standard, Bailee/Customer Goods, Blanket Addt’l Insureds, Cargo, CGL, Crime, E&O, EPLI, Equipment, Fidelity, Hired & Non-owned Auto, Occupational Accident, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States
Crane,
Scaffolding & Equipment
Rental Dealers
Ascinsure Specialty Risk
Coverages Auto Comm-Standard, Crime, Cyber Liab, GL, Inland Marine, Liability, Property, Umbrella, Workers’ Comp
Carrier Status Non-admitted States All States
RPS Signature Programs
Coverages Auto Comm-Standard, Crime, Equipment, Excess Liab, GL, Inland Marine, Workers’ Comp States All States
Western Surplus Lines Agency Inc.
Coverages CGL, Contractors Equip, Inland Marine
Carrier Status Non-admitted States LA, ND, NM, OK, TX
Crop Dusters/Sprayers
XPT Specialty
Coverages Excess Liab, GL, Professional Liab, Property Carrier Status Non-admitted States All States
Dairies
Agricultural Insurance Mgmt Services
Coverages Equipment Breakdown, Homeowners Pkg, Identity Theft, Liability, Property, Tools & Equip Carrier Status Admitted States Most States
Mark D. Fredricksen Insurance Services
Coverages CGL, Livestock/Animal Mortality, Property Carrier Status Admitted States All States except AK, DC, FL, HI
Omaha National
Coverages Workers’ Comp Carrier Status Admitted States AZ, CA, CT, GA, IA, IL, NC, NE, NJ, NY, PA, SC
Dance Schools/Studios
InsuranceHelper.com
Coverages Abuse & Molestation, Blanket Addt’l Insureds, Blanket Waivers, CGL, Completed Operations Liab, GL, Hired & Non-owned Auto, Liability, Liquor Liab, Medical Payments, Participant Accident, Personal Liab, Products Liab, Trade Shows & Festivals Carrier Status Non-admitted States All States
Sports & Fitness Insurance Corporation (SFIC)
Coverages GL, Property Carrier Status Admitted States All States
Sports & Wellness Insurance
Coverages Abuse & Molestation, Accident & Health, Crime, Cyber Liab, D&O, GL, Hired & Non-owned Auto, Inland Marine, Property, Umbrella Carrier Status Admitted, Non-admitted States All States
Day Care/Preschools
Charity First Insurance Services Inc.
Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, Business Income, CGL, Crime, Cyber Liab, EPLI, Inland Marine, Liquor Liab, Nonprofit D&O, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States
Gorst & Compass Insurance Coverages CGL, Property Carrier Status Non-admitted States CA
Markel
Coverages Abuse & Molestation, CGL, Crime, Cyber Liab, Inland Marine, Property, Student Accident, Umbrella, Workers’ Comp Carrier Status Admitted States All States except HI
Negley Associates
Coverages CGL, Professional Liab
Carrier Status Non-admitted States All States
NEXT Insurance
Coverages BOP, Cyber Liab, EPLI, Excess Liab, GL, Umbrella, Workers' Comp Carrier Status Admitted States All States
Nonprofits Insurance Alliance
Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, Business Income, Business Interruption, CGL, Community/Social Svcs, Developmental Disabilities, EPLI, Fiduciary Liab, Fire Legal Liab, Hired & Non-owned Auto, Inland Marine, Liquor Liab, Mechanical Breakdown, Misc Professional Liability, Nonprofit D&O, Sexual Misconduct, Umbrella, Uninsured Motorists Carrier Status Non-admitted States Most States
Philadelphia Insurance Companies
Coverages Abuse & Molestation, Commercial Auto, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Inland Marine, Participant Accident, Professional Liab, Property, Real & Business Personal Prop, Sexual Misconduct, Umbrella, Uninsured Motorists Carrier Admitted States All States except LA TAPCO Underwriters Inc.
Coverages Abuse & Molestation, Accessories, GL, Professional Liab, Property Carrier Status Non-admitted States Most States
Day Spas
Insurtec Tanning and Spa Insurance
Coverages Addt’l Expense, BOP, Business Income, Business Interruption, CGL, Crime, EPLI, Equipment Breakdown, Fire Legal Liab, Hired & Non-owned Auto, Misc Professional Liab, Professional Liability, Property, Tanning Liability Carrier Status Non-admitted States All States except MO Marine Agency Corporation
Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, BOP, Business Interruption, CGL, EPLI, GL, Hired & Non-owned Auto, Liability, Professional Liab, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except AK, HI
Philadelphia Insurance Companies
Coverages Abuse & Molestation, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Boiler & Machinery, Business Income, CGL, Crime, Employee Benefits, Equipment Breakdown, Fire Legal Liab, GL, Hired & Non-owned Auto, Inland Marine, Liquor Liab, Professional Liab, Property, Real & Business Personal Prop, Umbrella, Uninsured Motorists States All States except LA
Professional Program Ins. Brokerage, a Div of SPG Ins. Coverages Abuse & Molestation, Blanket Addt’l Insureds, CGL, Commercial Excess, Cyber Liab, GL, Inland Marine, Liability, Media Liab, Products Liab, Professional Liab, Property, Sexual Misconduct, Tanning Liab, Teachers Liab Carrier Status Non-admitted States All States
SASSI - Salon & Spa Specialty Insurance
Coverages BOP, Business Income, Business Interruption, CGL, Fire, Fire Legal Liability, GL, Glass, Inland Marine, Liability, Medical Payments, Professional Liability, Property, Theft, Tools & Equip Carrier Status Admitted States All States except AK, HI, VA, WA
Sports & Fitness Insurance Corporation (SFIC)
Coverages Accident & Health, Accidental Death, Auto CommStandard, Auto Comm-Standard Liability, BOP, EPLI, Fine Arts, Fire Legal Liability, Flood, Glass, Pool & Spa Liability, Professional Liability, Property, Umbrella Carrier Status Admitted States All States
Universal Insurance Programs
Coverages Abuse & Molestation, Business Income, Business Interruption, CGL, Crime, E&O, Employee Benefits, EPLI, Equipment Breakdown, Excess Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Liability, Products Liab, Professional Liab, Property, Real & Business Personal Prop, Stop-Gap, Theft, Umbrella Carrier Status Admitted States All States
Venture Insurance Programs
Coverages Auto Comm-Standard, Crime, Cyber Liab, D&O, EPLI, GL, Liquor Liab, Professional Liab, Property, Umbrella Carrier Status Admitted States All States
JUNE 3, 2024 INSURANCE JOURNAL | NATIONAL | 41 INSURANCEJOURNAL.COM
2024 Annual Program Directory, Summer Edition
Dealers-Propane
Amwins - 150+ Locations
Coverages Auto Comm-Standard, Crime, Equipment
Excess Liab, GL, Inland Marine, Property, Umbrella Carrier Status Admitted, Non-admitted States All States
Delivery- Wholesale/Retail
Amwins - 150+ Locations Worldwide
Coverages All Risks/Cash in Transit, Cargo, Commercial Marine, Wet Marine Carrier Status Admitted States All States IPC
Coverages Hired & Non-owned Auto Carrier Non-admitted States All States except FL, LA, NJ
Mover’s Choice Insurance
Coverages Auto Comm-Standard Liability, Auto CommStandard Phys Dmg, Cargo, CGL, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States
Omaha National
Coverages Workers’ Comp Carrier Status Admitted States AZ, CA, CT, GA, IA, IL, NC, NE, NJ, NY, PA, SC
Parcel Insurance Plan
Coverages Cargo, Inland Marine Carrier Status Admitted States All States
Dentists
Berkley Select | a Berkley Company
Coverages E&O, Medical Malpractice Carrier Status Admitted, Non-admitted States All States
Cowbell Cyber
Coverages Breach of Security, Business Income, Business Interruption, Cyber Liab Carrier Status Admitted States Most States
KZ Insurance Brokerage LLC
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States except ND, OH, WA, WY
TDC Specialty Underwriters
Coverages Liability, Medical Malpractice, Professional Liab Carrier Status Admitted, Non-admitted States All States except KS, NH, NY
Developmental Disability Facilities
Care Providers Insurance Services
Coverages Abuse & Molestation, Accident & Health, Auto Comm-Standard, Crime, D&O, EPLI, Excess Liab, GL, Inland Marine, Professional Liab, Property Carrier Status Admitted States All States
Irwin Siegel Agency
Coverages Abuse & Molestation, Commercial Auto, Boiler & Machinery, Business Income, Crime, Cyber Liab, D&O, Developmental Disabilities, Disability, Environmental Liab, EPLI, Excess Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Inland Marine, Medical & Physical Rehab, Medical Payments, Mental Health Care, Pollution Liab, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States
Negley Associates
Coverages CGL, Professional Liab Carrier Status Non-admitted States All States
Nonprofits Insurance Alliance
Coverages Abuse & Molestation, Auto Comm-Standard, Auto Comm-Standard Phys Dmg, Blanket Addt’l Insureds, Business Income, Business Interruption, CGL, Community/Social Svcs, Crime, Developmental Disabilities, Fiduciary Liab, Fire Legal Liab, Hired & Non-owned Auto, Inland Marine, Liquor Liab, Mechanical Breakdown, Misc Professional Liab, Nonprofit D&O, Sexual Misconduct, Umbrella, Uninsured Motorists Carrier Status Non-admitted States Most States
Philadelphia Insurance Companies
Coverages Abuse & Molestation, Commercial Auto, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Inland Marine, Participant Accident, Professional Liab, Property, Real & Business Personal Prop, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA
RPS Signature Programs
Coverages Abuse & Molestation, Auto Comm-Standard, CGL, Cyber Liab, Employee Benefits, EPLI, Excess Liab, Hired & Non-owned Auto, Nonprofit D&O, Professional Liab, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Dialysis Centers
Pro-Praxis Insurance
Coverages E&O, Professional Liab Carrier Status Admitted States All States
Quaker Special Risk, a Jencap Company (New Jersey) Coverages CGL, GL, Liability, Professional Liab, Umbrella Carrier Status Non-admitted States Most States
Distributors
Amwins - 150+ Locations Worldwide
Coverages GL, Legal Liab, Motor Truck Cargo, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Brownyard Group
Coverages Business Income, Business Interruption, CGL, Employee Benefits, Fire, Fire Legal Liab, GL, Glass, Inland Marine, Liability, Personal Property, Products Liab, Property, Workers’ Comp Carrier Status Non-admitted States All States except KS
Cosmetic Insurance Services, a division of EPIC Brokers
Coverages Commercial Auto, Boiler & Machinery, Crime, GL, Inland Marine, Products Liab, Property, Umbrella Carrier Status Admitted States All States
Euclid Life Science Specialty LLC
Coverages Commercial Excess, Completed Operations Liab, E&O, Excess Liab, GL, Liability, Products Liab, Professional Liab Carrier Status Non-admitted States All States
Joseph Chiarello & Co., Inc.; Firearms Business Insurance Coverages CGL, Equipment Breakdown, Firearms Liability, Inland Marine, Property, Umbrella Carrier Status Admitted States All States
MexiPass International Insurance Services LLC
Coverages Int’l Coverage - Commercial, Int’l CoveragePersonal Carrier Status Admitted States All States
PEO Brokers Group
Coverages WC - Master Policies/ASO, Workers’ Comp, Workers’ Comp Plus (Alternative) States All States
Professional Program Ins. Brokerage, a Div of SPG Ins. Coverages Blanket Addt’l Insureds, CGL, Commercial Excess, Cyber Liab, Inland Marine, Misc Professional Liab, Products Liab, Property Carrier Status Non-admitted States All States
Driving Ranges
McGowan Allied Specialty Insurance
Coverages Auto Comm-Standard, CGL, Crime, Equipment Breakdown, Excess Liab, Hired & Non-owned Auto, Inland Marine, Property, Workers’ Comp Carrier Status Admitted States All States
Philadelphia Insurance Companies
Coverages Commercial Auto, Boiler & Machinery, Business Income, Care/Custody/Control, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Legal Expense Ins, Participant Accident, Personal Property, Professional Liab, Protection & Indemnity (P&I), Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA
Drones/Unmanned Aerial Systems
R.V. Nuccio & Associates
Coverages GL, Hull,
Dry Cleaners/Laundries
Philadelphia Insurance Companies
Coverages Commercial Auto, Boiler & Machinery, Business Income, Care/Custody/Control, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Participant Accident, Personal Property, Professional Liab, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA
E-cigarette Manufacturers/Distributors
Professional Program Ins. Brokerage, a Div of SPG Ins. Coverages GL, Inland Marine, Products Liab, Property Carrier Status Non-admitted States All States
Emergency Service Org’s
Pro-Praxis Insurance
Coverages E&O, Professional Liab Carrier Status Admitted States All States
Employee Leasing Firms
RPS Technology & Cyber
Coverages BOP, Breach of Security, Business Income, Business Interruption, CGL, Combo Personal & Commercial, Completed Operations Liab, Crime, Cyber Liab, D&O, E&O, Employee Benefits, EPLI, Excess Liab, Fidelity, Fidelity Bonds, Fiduciary Liab, Hired & Non-owned Auto, Liability, Media Liab, Products Liab, Professional Liab, Property, Technology E&O, Umbrella Carrier Status Admitted States All States except DC
Ryan Specialty National Programs
Coverages Abuse & Molestation, Blanket Addt’l Insureds, Blanket Waivers, Care/Custody/Control, Crime, Employee Benefits, EPLI, Excess Liab, GL, Hired & Non-owned Auto, Professional Liab, Property, Stop-Gap, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Staffing Lines
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States
World Wide Specialty, a Div of Philadelphia Ins. Co’s Coverages Abusive Acts, Auto Comm-Standard, Blanket Addt’l Insureds, Blanket Waivers, Care/Custody/Control, Crime, Cyber Liab, D&O, E&O, Employee Benefits, EPLI, Fidelity, Fidelity Bonds, GL, Hired & Non-owned Auto, Misc Professional Liab, Professional Liab, Property, Technology E&O, Umbrella, Workers’ Comp Carrier Status Admitted States All States
Employment Agencies
Philadelphia Insurance Companies
Coverages Commercial Auto, Boiler & Machinery, Business Income, Care/Custody/Control, CGL, Crime, D&O, Employee Benefits, EPLI, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Legal Expense Ins, Personal Property, Professional Liab, Protection & Indemnity (P&I), Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA
Professional Underwriters Agency (PUA) Coverages E&O, Professional Liab Carrier Status Admitted, Non-admitted States All States
RPS Technology & Cyber
Coverages BOP, Breach of Security, Business Income, Business Interruption, CGL, Combo Personal & Commercial, Completed Operations Liab, Crime, Cyber Liab, D&O, E&O, Employee Benefits, EPLI, Excess Liab, Fidelity, Fidelity Bonds, Fiduciary Liab, Hired & Non-owned Auto, Liability, Media Liab, Products Liab, Professional Liab, Property, Technology E&O, Umbrella Carrier Status Admitted States All States except DC
Ryan Specialty National Programs
Coverages Abuse & Molestation, Blanket Addt’l Insureds, Blanket Waivers, Care/Custody/Control, Crime, Employee Benefits, EPLI, Excess Liab, GL, Hired & Non-owned Auto, Professional Liab, Property, Stop-Gap, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Staffing Lines
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States
World Wide Specialty, a Div of Philadelphia Ins. Co’s
Coverages Abusive Acts, Auto Comm-Standard, Blanket Addt’l Insureds, Blanket Waivers, Care/Custody/Control, Crime, Cyber Liab, D&O, E&O, Employee Benefits, EPLI, Fidelity, Fidelity Bonds, GL, Hired & Non-owned Auto, Misc Professional Liab, Professional Liab, Property, Technology E&O, Umbrella, Workers’ Comp Carrier Status Admitted States All States
42 | INSURANCE JOURNAL | NATIONAL JUNE 3, 2024 INSURANCEJOURNAL.COM
Liability, Medical Payments, Physical Damage, Property, Theft Carrier Status Admitted States All States
UCA General Insurance Services Inc. Coverages
Goods, Business Income, Business Interruption,
Crime, Cyber Liab, Equipment Breakdown, Liability, Mechanical Breakdown, Property, Theft, Umbrella Carrier Status Admitted States AZ, CA, ID, NV, OR, UT Virtue Risk Partners LLC Coverages Environmental Liab, Pollution Liab Carrier Status Non-admitted States All States Dude Ranches K&K Insurance Group Inc. Coverages Auto Comm-Standard, Boiler & Machinery, CGL, Crime, Excess Liab, Inland Marine, Liquor Liab, Property, Workers’ Comp Carrier Status Admitted States All States McGowan Allied Specialty Insurance Coverages Auto Comm-Standard, CGL, Crime, Equipment Breakdown, Excess Liab, Hired & Non-owned Auto, Inland Marine, Property, Workers’ Comp Carrier Status Admitted States All States
Bailee/Customer
CGL,
Worldwide
Breakdown,
Engineers-Environmental
Access E&S Insurance Services
Coverages Excess Liab, Liability, Pollution Liab, Professional Liab Carrier Status Non-admitted States AR, DC, DE, GA, IL, MD, NC, NJ, NY, OH, PA, SC, TN, TX, VA
Beacon Hill Associates
Coverages CGL, E&O, Environmental Liab, Pollution, Pollution Liab, Transportation Pollution Liab, Workers’ Comp States All States
Commercial Sector Insurance Brokers LLC
Coverages CGL, E&O, Excess Liab, Misc Professional Liab, Pollution, Pollution Liab, Professional Liab, Umbrella Carrier Status Non-admitted States Most States
Jencap Specialty Insurance Services (Environmental)
Coverages Pollution, Pollution Liab Carrier Status Non-admitted States All States
Target Professional Programs
Coverages E&O, EPLI, Professional Liability Carrier Status Non-admitted States All States except AK, HI
Virtue Risk Partners LLC
Coverages Auto Comm-Standard, CGL, Commercial Excess, E&O, Environmental Liab, Workers’ Comp Carrier Status Non-admitted States All States
Engineers-Geotechnical
Freberg Environmental Inc.
Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, E&O, Environmental Liab, EPLI, GL, Hired & Nonowned Auto, Pollution, Pollution Liab, Professional Liab, Transportation Pollution Liab Carrier Status Non-admitted States All States
Jencap Specialty Insurance Services (Environmental)
Coverages Pollution, Pollution Liab
Carrier Status Non-admitted States All States
Victor Insurance Managers LLC
Coverages Cyber Liab, E&O States All States
Entertainer Buses
5Star Specialty Programs
Coverages Auto Comm-Nonstandard, Auto CommNonstandard Liability, Auto Comm-Nonstandard Phys Dmg, Commercial Auto, Excess Liab, GL, Workers’ Comp Carrier Status Admitted States All States
KF&B Program Managers Insurance Services
Coverages Auto Comm-Standard, Auto Comm-Standard Phys Dmg, Commercial Excess, Garage Keepers Legal Liab, Garage Liability, GKLL, GL, Hired & Non-owned Auto, Uninsured Motorists, Workers’ Comp Carrier Status Admitted States All States except LA, MA
National Indemnity Company
Coverages Auto Comm-Nonstandard, Auto CommNonstandard Phys Dmg, Liability, Medical Payments, Uninsured Motorists Carrier Status Admitted, Non-admitted States All States except HI, MA, NJ, NY
Entertainment Equipment Rental Houses
Alive Risk
Coverages Accident & Health, Accidental Death, Contingent Coverages, Event Cancellation, Excess Liab, GL, Hired & Nonowned Auto, Inland Marine, Liquor Liab, Workers’ Comp States All States
Environmental Engineers/Consultants/ Contractors
Access E&S Insurance Services
Coverages Excess Liab, Liability, Pollution Liab, Professional Liab Carrier Status Non-admitted States AR, DC, DE, GA, IL, MD, NC, NJ, NY, OH, PA, SC, TN, TX, VA Beacon Hill Associates
Coverages CGL, E&O, Environmental Liab, Pollution, Pollution Liab, Transportation Pollution Liab, Workers’ Comp States All States
DeCotis Specialty Insurance
Coverages Blanket Addt’l Insureds, Blanket Waivers, Commercial Excess, Contractors Equip, Environmental Liab, EPLI, Fire Legal Liab, GL, Medical Payments, Pollution, Professional Liab Carrier Status Admitted, Non-admitted States CO, CT, FL, MA, ME, NH, NJ, NY, PA, RI, VA, VT
Freberg Environmental Inc.
Coverages Blanket Addt’l Insureds, CGL, Commercial Excess, E&O, EPLI, GL, Hired & Non-owned Auto, Pollution, Pollution Liab, Professional Liab, Transportation Pollution Liab, Umbrella Carrier Status Non-admitted States All States
2024 Annual Program Directory,
Jencap Specialty Insurance Services (Environmental)
Coverages Auto Comm-Standard, GL, Pollution, Pollution Liab, Workers’ Comp Carrier Status Non-admitted States All States
JM Wilson
Coverages Business Income, Cyber Liab, EPLI, Excess Liab, GL, Hired & Non-owned Auto, Inland Marine, Pollution Liab, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States except AK, HI, NY
Norman-Spencer International Inc.
Coverages E&O, Professional Liab Carrier Status Admitted States All States except AK, HI
PartnerOne Environmental
Coverages CGL, E&O, Pollution Carrier Status Non-admitted States All States
Philadelphia Insurance Companies
Coverages Commercial Auto, Business Income, Business Interruption, CGL, D&O, Equipment Breakdown, Fiduciary Liab, GL, Hired & Non-owned Auto, Inland Marine, NonTrucking Auto Liab, Professional Liab, Property, Umbrella Carrier Status Admitted States All States except LA
Roush Insurance Services Inc.
Coverages Auto Comm-Nonstandard, Blanket Addt’l Insureds, Blanket Waivers, CGL, Commercial Excess, Completed Operations Liab, Contractors Equip, E&O, Environmental Liab, Excess Liab, Fidelity Bonds, GL, Hired & Non-owned Auto, Inland Marine, Liability, Motor Truck Cargo, Pollution, Professional Liab, Property, Real & Business Personal Prop, Service Contracts, Umbrella, Workers’ Comp Carrier Status Non-admitted States IA, IL, IN, OH, WI
Target Professional Programs
Coverages E&O, EPLI, Professional Liability
Carrier Status Non-admitted States All States except AK, HI
Virtue Risk Partners LLC
Coverages Auto Comm-Standard, CGL, Commercial Excess, E&O, Environmental Liab, Workers’ Comp
Carrier Status Non-admitted States All States
Equipment Dealers/Rentals
Ascinsure Specialty Risk
Coverages Auto Comm-Standard, Inland Marine, Liability, Property, Umbrella States All States
NBIS
Coverages Auto Comm-Standard, Auto Comm-Standard Phys
Dmg, CGL, Commercial Excess, Contractors Equip, Excess Liab, Inland Marine, Liability, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Exercise/Health Studios/Health Clubs
NeitClem Wholesale Insurance Brokerage Inc.
Coverages GL, Property Carrier Status Admitted, Non-admitted States AZ, CA, NV, TX
Philadelphia Insurance Companies
Coverages Abuse & Molestation, Commercial Auto, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Inland Marine, Liquor Liab, Non-Trucking Auto Liab, Participant Accident, Professional Liab, Property, Real & Business Personal Prop, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA
Roush Insurance Services Inc.
Coverages Assault & Battery, Boiler & Machinery, Business Income, Business Interruption, CGL, Commercial Excess, Crime, D&O, EPLI, Equipment, Excess Liab, Fire, GL, Inland Marine, Liability, Misc Professional Liab, Pool & Spa Liab, Property, Real & Business Personal Prop, Sexual Misconduct, Tanning Liab, Theft Carrier Status Non-admitted States IA, IL, IN, OH, WI
RPS Signature Programs
Coverages Liability, Property Carrier Status Admitted States All States
Sports & Wellness Insurance
Coverages Abuse & Molestation, Accident & Health, Crime, Cyber Liab, D&O, GL, Hired & Non-owned Auto, Inland Marine, Property, Umbrella Carrier Status Admitted, Non-admitted States All States
Venture Insurance Programs
Coverages Auto Comm-Standard, Crime, Cyber Liab, D&O, EPLI, GL, Liquor Liab, Professional Liab, Property, Umbrella Carrier Status Admitted States All States
Exporters
Meridian Finance Group
Coverages Performance & Payment Bonds, Products Liab States All States
Parcel Insurance Plan
Coverages Cargo, Inland Marine Carrier Status Admitted States All States
Family Fun Centers
Alive Risk
Coverages Excess Liab, GL, Hired & Non-owned Auto, Inland Marine, Liquor Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
McGowan Allied Specialty Insurance
Coverages Auto Comm-Standard, CGL, Crime, Equipment Breakdown, Excess Liab, Hired & Non-owned Auto, Inland Marine, Property, Workers’ Comp Carrier Status Admitted States All States
NeitClem Wholesale Insurance Brokerage Inc.
Coverages GL, Property Carrier Status Admitted, Non-admitted States AZ, CA, NV, TX
The McGowan Companies
Coverages Auto Comm-Standard, Excess Liab, GL, Inland Marine, Participant Accident, Pollution, Prize Indemnification, Property, Workers’ Comp Carrier Status Admitted States All States
Farm & Ranch
Agricultural Insurance Mgmt Services
Coverages Auto Comm-Standard, Care/Custody/Control, CGL, Commercial Excess, Equipment Breakdown, Excess Liab, Horse Mortality, Property, Umbrella Carrier Status Admitted States Most States
American Reliable
Coverages Care/Custody/Control, CGL, Liability, Livestock/ Animal Mortality, Physical Damage, Property Carrier Status Admitted States All States except AK, HI
Equine Insurance Specialists LLC
Coverages Auto Comm-Standard, Horse Mortality, Liability, Property, Umbrella Carrier Status Admitted States All States except AK, FL, HI
Mark D. Fredricksen Insurance Services
Coverages Auto Comm-Standard, Care/Custody/Control, CGL, Commercial Excess, Earthquake, Excess Liab, Horse Mortality, Property, Umbrella Carrier Status Admitted States All States except AK, DC, FL, HI
Markel
Coverages Auto Comm-Standard, Care/Custody/Control, GL, Inland Marine, Property, Umbrella Carrier Status Admitted States All States except AK, HI
Monarch E&S Insurance Services
Coverages GL, Property Carrier Status Non-admitted States All States
South & Western General Agency Inc.
Coverages Auto Comm-Standard, Excess Liab, GL, Inland Marine, Property Carrier Status Admitted States AR, MS, NM, OK, TN, TX
XPT Specialty
Coverages CGL, Combo Personal & Commercial, Dwelling Fire, Equipment, Inland Marine, Livestock/Animal Mortality, Property Carrier Status Admitted, Non-admitted States All States
Farm Labor Contractors
XPT Specialty
Coverages Excess Liab, GL, Herbicide & Pesticide, Inland Marine, Professional Liab Carrier Status Non-admitted S tates All States
Fast Food Restaurants
Business Alliance Insurance Company
Coverages BOP, Cyber Liab, EPLI, Equipment Breakdown, Liquor Liab Carrier Status Admitted States CA
Omaha National
Coverages Workers’ Comp Carrier Status Admitted States AZ, CA, CT,
PEO Brokers Group
Coverages WC - Master Policies/ASO, Workers’ Comp, Workers’ Comp Plus (Alternative) States All States
The McGowan Companies
Coverages Commercial Excess, Umbrella Carrier Status
JUNE 3, 2024 INSURANCE JOURNAL | NATIONAL | 43 INSURANCEJOURNAL.COM
Summer Edition
GA, IA, IL, NC, NE, NJ, NY, PA,
SC
Admitted States All States
General Insurance Services Inc. Coverages Business Income, CGL, Cyber Liab, EPLI, Equipment Breakdown, Fire Legal Liab, Hired & Non-owned Auto, Medical Payments, Property, Umbrella Carrier Status Admitted States AZ, CA, ID, NV, OR, UT, WA
UCA
2024 Annual Program Directory, Summer Edition
Festivals & Fairs
Alive Risk
Coverages Accident & Health, Contingent Coverages, Event
Cancellation, Excess Liab, GL, Hired & Non-owned Auto, Inland Marine, Liquor Liab States All States
BUA LLC
Coverages CGL, Event Cancellation, Weather Carrier Status Non-admitted States All States
InsuranceHelper.com
Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Completed Operations Liab, GL, Hired & Non-owned Auto, Liability, Liquor Liab, Medical Payments, Personal Liab, Products Liab, Trade Shows & Festivals
Carrier Status Non-admitted States All States
McGowan Allied Specialty Insurance
Coverages Auto Comm-Standard, CGL, Crime, Equipment Breakdown, Excess Liab, Hired & Non-owned Auto, Inland Marine, Property, Workers’ Comp Carrier Status Admitted States All States
Philadelphia Insurance Companies
Coverages Abuse & Molestation, Commercial Auto, Blanket Addt’l Insureds, Boiler & Machinery, Business Income, Business Interruption, CGL, Commercial Excess, Crime, D&O, EPLI, Equipment Breakdown, Inland Marine, Participant Accident, Umbrella Carrier Status Admitted States All States except LA
Financial Institutions
Meridian Finance Group
Coverages Int’l Coverage - Commercial, Political Risk States All States
Proctor Loan Protector
Coverages Blanket Forced Placed, E&O, Excess Flood, Flood, Force Place Fire Cvrg, Foreclosed Properties, High Valued Homes, Mobile Home Ins, Mortgage Impairment, Mortgage REO Cvrg, Rented Property, Residential Property Carrier Status Non-admitted States All States
Ryan Specialty National Programs
Coverages Collateral Protection, Force Place Fire Cvrg, GL, Mortgage Impairment, Mortgage REO Cvrg, Property, Vacant Building Carrier Status Non-admitted States All States
Unitas Financial Services
Coverages Blanket Forced Placed, Collateral Protection, D&O, Force Place Fire Cvrg, Foreclosed Properties, Mortgage Impairment, Mortgage REO Cvrg, Professional Liab Carrier Status Admitted, Non-admitted States All except AK, HI Wilkoff Bonds
Coverages Crime, Fidelity, Fidelity Bonds, Fiduciary Liab Carrier Status Admitted States All States
Financial
CalSurance Associates, a Div. of Brown & Brown Program
E&O Carrier Status Admitted, Non-admitted
Food Trucks
IPC
Coverages Blanket Addt’l Insureds, Business Income, CGL, Food Spoilage, Inland Marine, Liability, Property, Theft Carrier Status Admitted, Non-admitted States AR, AZ, CA, CO, IA, ID, KS, LA, MN, MO, MT, ND, NE, NM, NV, OK, OR, SD, TX, UT, WA, WY
Food Vendors
Great American Insurance Group, Alternative Markets
Coverages Auto Comm-Standard, BOP, CGL, Inland Marine, Property, Umbrella, Workers' Comp Carrier Status Admitted, Non-admitted States All States
InsuranceHelper.com
Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Fire Legal Liab, GL, Hired & Non-owned Auto, Liability, Liquor Liab, Medical Payments, Personal Liab, Products Liab, Trade Shows & Festivals Carrier Status Non-admitted States All States
K&K Insurance Group Inc.
Coverages CGL, Inland Marine Carrier Status Admitted States All States
Forestry Services
Arrowhead General Insurance Agency Inc.
Coverages Earthquake, Equipment, Equipment Breakdown, Flood Carrier Status Admitted States All States
Balance Partners - Maven
Coverages CGL, E&O, Excess Liab, Professional Liab Carrier Status Non-admitted States All States
Continental Underwriters Inc.
Coverages Builders Risk, Business Income, Business Interruption, Combo Personal & Commercial, Commercial Excess, Crime, Equipment Breakdown, GL, Inland Marine, Int’l Coverage - Commercial, Int’l Coverage - Personal, Property, Umbrella, Wind, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Victor Insurance Managers LLC
Coverages Auto Comm-Standard, Cargo, Cyber Liab, Excess Liab, GL, Inland Marine, Property Carrier Status Admitted States All States except CA, LA, MI, NY
Foster Care
Negley Associates
Coverages CGL, Professional Liab
Carrier Status Non-admitted States All States
Nonprofits Insurance Alliance
Coverages Abuse & Molestation, Auto Comm-Standard, Auto Comm-Standard Phys Dmg, Blanket Addt’l Insureds, Business Income, Business Interruption, CGL, Community/Social Svcs, Crime, Developmental Disabilities, EPLI, Fiduciary Liab, Fire Legal Liab, Hired & Non-owned Auto, Inland Marine, Liquor Liab, Mechanical Breakdown, Misc Professional Liab, Nonprofit D&O, Sexual Misconduct, Umbrella, Uninsured Motorists Carrier Status Non-admitted States Most States
RPS Signature Programs
Coverages Auto Comm-Standard, Excess Liab, GL, Property Carrier Status Admitted, Non-admitted States All States
Foundations
Affinity Nonprofits
Coverages Auto Comm-Standard, BOP, D&O, EPLI, Fiduciary Liab, Nonprofit D&O, Workers’ Comp Carrier Status Admitted States All States except HI
Berkley Select | a Berkley Company
Coverages D&O, EPLI, Fiduciary Liab, Nonprofit D&O
Carrier Status Admitted, Non-admitted States All States
Great American Ins. Group, Specialty Human Services
Coverages Abuse & Molestation, Auto Comm-Nonstandard, Blanket Addt’l Insureds, Business Income, CGL, Commercial Excess, Community/Social Svcs, Crime, Educator Legal
Liab, Employee Benefits, Equipment Breakdown, Fire Legal Liab, GL, Hired & Non-owned Auto, Inland Marine, Misc Professional Liab, Professional Liability, Umbrella
Carrier Status Admitted States All States except HI, LA, OK
Nonprofits Insurance Alliance
Coverages Abuse & Molestation, Auto Comm-Standard, Auto Comm-Standard Phys Dmg, Blanket Addt’l Insureds, Business Income, Business Interruption, CGL, Community/Social Svcs, Crime, Developmental Disabilities, EPLI, Fiduciary Liab, Fire Legal Liab, Hired & Non-owned Auto, Inland Marine, Liquor Liab, Mechanical Breakdown, Misc Professional Liab, Nonprofit D&O, Sexual Misconduct, Umbrella, Uninsured Motorists Carrier Status Non-admitted States Most States
Philadelphia
Coverages
Commercial Auto, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Inland Marine, Physical Damage, Professional Liab, Property, Real & Business Personal Prop, Sexual Misconduct, Umbrella, Uninsured Motorists
Carrier Status Admitted States All States except LA
Fraternal Organizations
Charity First Insurance Services Inc.
Coverages Abuse & Molestation, Auto Comm-Standard, Business Income, CGL, Crime, Cyber Liab, Inland Marine, Liquor Liability, Property, Workers’ Comp
Carrier Status Admitted States All States
Gateway Specialty Insurance
Coverages Abuse & Molestation, Crime, E&O, EPLI, General Liability, Liquor Liability, Nonprofit D&O, Property Carrier Non-admitted States All States except AK, LA, WV
Irwin Siegel Agency
Coverages Abuse & Molestation, Commercial Auto, Boiler & Machinery, Business Income, Crime, Cyber Liab, D&O, EPLI, GL, Property, Umbrella Carrier Status Admitted, Non-admitted States All States
Funeral Directors
Balance Partners - Maven
Coverages CGL, E&O, Excess Liab, Professional Liab Carrier Status Non-admitted States All States
Markel
Coverages E&O, Workers’ Comp Carrier
Garages
Admitted, Non-admitted States All States
JM Wilson Coverages Business Income, Crime, Cyber Liab, Dealers Open Lot, EPLI, Equipment Breakdown, Excess Liab, Flood, Garage Keepers Legal Liab, Garage Liability, GL, Hired & Nonowned Auto, Inland Marine, Physical Damage, Pollution Liab, Products Liab, Property, Umbrella, Workers’ Comp Carrier Status Non-admitted States Most States
KBK Insurance Group Inc.
Coverages Dealers Open Lot, Garage Keepers Legal Liab, GL, On-Hook Cargo, Property, Umbrella Carrier Status Admitted States All States except AK, HI, MA, NY
Lancer Insurance Company
Coverages Garage Keepers Legal Liab, Garage Liability, GKLL Carrier Status Admitted, Non-admitted States CT, NJ, NY
National Indemnity Company
Coverages Dealers Open Lot, Garage Keepers Legal Liab, Garage Liability, GKLL, Medical Payments, Uninsured Motorists Carrier Status Admitted, Non-admitted States All States except HI, MA, NJ, NY
Prime Insurance Company
Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Dealers Open Lot, Difference in Conditions, Garage Keepers Legal Liab, Garage Liability, GKLL, GL, On-Hook Cargo, Personal Liab, Professional Liab, Property, Rented Property, Wrongful Repo Carrier Status Non-admitted States All States
Sun Coast General Insurance Agency
Coverages CGL, Dealers Open Lot, Garage Keepers Legal Liab, Garage Liability, GKLL, GL, Hired & Non-owned Auto, Property Carrier Status Admitted, Non-admitted States AZ, CA
Union General Insurance Services Inc.
Coverages CGL, E&O, Garage Keepers Legal Liab, Garage Liability, GKLL, GL, Products Liab, Professional Liab, Property, Uninsured Motorists Carrier Status Non-admitted States AZ, CA, NM, NV, OR, TX, UT, WA
Gentleman’s Clubs
MAXIMUM
Coverages Abuse & Molestation, Accident & Sickness, Addiction Treatment, Assault & Battery, Business Income, CGL, Crime, D&O, EPLI, Fire, Flood, GL, Hired & Nonowned Auto, Identity Theft, Legal Liab, Liability, Liquor Liab, Personal Property, Professional Liab, Property, Sexual Misconduct, Umbrella, Workers’
44 | INSURANCE JOURNAL | NATIONAL JUNE 3, 2024 INSURANCEJOURNAL.COM
Coverages
Markel Coverages
States
Fine Art Collections Applied
Combo Personal & Commercial, Fine Arts, Int’l Coverage - Commercial, Int’l Coverage - Personal, Physical Damage, Theft Carrier Status Admitted States All States Huntington T. Block Coverages BOP, Crime, D&O, EPLI, Fine Arts, Liability, Mysterious Disappearance, Theft, Umbrella, Workers' Comp Carrier Status Admitted States All States MiniCo Insurance Agency, a Jencap Company Coverages Fine Arts, Fire, Mysterious Disappearance, Personal Property, Physical Damage, Theft Carrier Status Admitted States All States Monarch E&S Insurance Services Coverages Earthquake, Excess Flood, Fire, Inland Marine, Mysterious Disappearance Carrier Status Admitted, Non-admitted States All States Novatae Risk Group Coverages Earthquake, Fine Arts, Inland Marine, Mysterious Disappearance, Wind Carrier Status Admitted, Non-admitted States All States except AK, HI Firearms Dealers Joseph Chiarello & Co., Inc.; Firearms Business Ins. Coverages CGL, Crime, Equipment Breakdown, Firearms Liability, Liquor Liab, Medical Payments, Products Liab, Property, Umbrella Carrier Status Admitted States All States
Planners
E&O, Professional Liab Carrier Status Admitted States All States
All States except DC
Underwriters Inc. Coverages
Insurance Companies
Abuse & Molestation,
Status Admitted
States
States All
Anderson & Murison Inc.
Coverages Excess Liab, Garage Liability, GL, Inland Marine, Property Carrier Status
Compensation Carrier Status Admitted, Non-admitted States All States
Golf Courses
Coastal Insurance Underwriters Inc.
Coverages Accessories, Business Income, Business Interruption, Crime, E&O, Employee Benefits, Environmental Liab, Fine Arts, Fire, Flood, GL, Herbicide & Pesticide, Hired & Non-owned Auto, Hurricane, Inland Marine, Liability, Liquor Liab, Property, Tee-to-Green, Umbrella
Carrier Status Non-admitted States FL
Great American Insurance Group, Alternative Markets
Coverages Auto Comm-Standard, BOP, CGL, Inland Marine, Property, Umbrella, Workers' Comp Carrier Status Admitted, Non-admitted States All States
Signature Specialty, LP
Coverages Business Interruption, GL, Inland Marine, Liquor Liab, Property, Tee-to-Green Carrier Status Non-admitted States All States
Venture Insurance Programs
Coverages D&O, E&O, EPLI, Excess Liab, GL, Herbicide & Pesticide, Liquor Liab, Pollution, Property, Tee-to-Green, Umbrella, Workers’ Comp Carrier Status Admitted States All States
Virtue Risk Partners LLC
Coverages Environmental Liab, Pollution Liab Carrier Status Non-admitted States All States
Grocery Stores/Supermarkets
Business Alliance Insurance Company
Coverages BOP, Cyber Liab, EPLI, Equipment Breakdown, Liquor Liab Carrier Status Admitted States CA
Great American Insurance Group, Alternative Markets
Coverages Auto Comm-Standard, BOP, CGL, Inland Marine, Property, Umbrella, Workers' Comp Carrier Status Admitted, Non-admitted States All States
Markel
Coverages BOP, Workers’ Comp Carrier Status Admitted States All States
Omaha National
Coverages Workers’ Comp Carrier Status Admitted States AZ, CA, CT, GA, IA, IL, NC, NE, NJ, NY, PA, SC
UCA General Insurance Services Inc.
Coverages Business Income, CGL, Cyber Liab, EPLI, Fire Legal Liab, Medical Payments, Property, Umbrella Carrier Status Admitted States AZ, CA, ID, NV, OR, UT, WA
Group Homes
Care Providers Insurance Services
Coverages Abuse & Molestation, Accident & Health, Auto Comm-Standard, Crime, D&O, EPLI, Excess Liab, GL, Inland Marine, Professional Liab, Property Carrier Status Admitted States All States
Charity First Insurance Services Inc.
Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, Business Income, CGL, Crime, Cyber Liab, EPLI, Equipment Breakdown, Inland Marine, Liquor Liab, Nonprofit D&O, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States
Negley Associates
Coverages CGL, Professional Liability Carrier Status Non-admitted States All States
Nonprofits Insurance Alliance
Coverages Abuse & Molestation, Auto Comm-Standard, Auto Comm-Standard Phys Dmg, Blanket Addt’l Insureds, Business Income, Business Interruption, CGL, Community/Social Svcs, Crime, Developmental Disabilities, EPLI, Fiduciary Liab, Fire Legal Liab, Hired & Non-owned Auto, Inland Marine, Liquor Liab, Mechanical Breakdown, Misc Professional Liab, Nonprofit D&O, Sexual Misconduct, Umbrella, Uninsured Motorists Carrier Status Non-admitted States Most States
Philadelphia Insurance Companies
Coverages Abuse & Molestation, Boiler & Machinery, Business Income, Care/Custody/Control, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Legal Expense Ins, Personal Property, Professional Liab, Protection & Indemnity (P&I), Umbrella Carrier Status Admitted States All States except LA RPS Healthcare
Coverages D&O, EPLI, Excess Liab, GL, Professional Liab, Property Carrier Status Admitted, Non-admitted States All States
2024 Annual Program Directory, Summer Edition
Guides & Outfitters
Joseph Chiarello & Co., Inc.; Firearms Business Insurance
Coverages GL, Property, Umbrella Carrier Status Admitted States All States
McGowan Allied Specialty Insurance
Coverages Auto Comm-Standard, CGL, Crime, Equipment
Breakdown, Excess Liab, Hired & Non-owned Auto, Inland Marine, Property, Workers’ Comp Carrier Status Admitted States All States
Philadelphia Insurance Companies
Coverages Commercial Auto, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, Employee Benefits, Equipment Breakdown, Fire Legal Liab, GL, Hired & Non-owned Auto, Inland Marine, Participant Accident, Professional Liab, Property, Real & Business Personal Prop, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA
Gymnastics Facilities
Philadelphia Insurance Companies
Coverages Abuse & Molestation, Commercial Auto, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Inland Marine, Liquor Liab, Participant Accident, Professional Liab, Property, Real & Business Personal Prop, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA
Sports & Wellness Insurance
Coverages Abuse & Molestation, Accident & Health, Crime, Cyber Liab, D&O, GL, Hired & Non-owned Auto, Inland Marine, Property, Umbrella Carrier Status Admitted, Non-admitted States All States
Hazardous Materials Transporters
Access E&S Insurance Services
Coverages Commercial Auto, Excess Liab, Liability, Pollution Liab, Professional Liab Carrier Status Non-admitted States AR, DC, DE, GA, IL, MD, NC, NJ, NY, OH, PA, SC, TN, TX, VA
Beacon Hill Associates
Coverages CGL, E&O, Environmental Liab, Pollution, Pollution Liab, Transportation Pollution Liab, Workers’ Comp States All States
Freberg Environmental Inc.
Coverages Auto Comm-Nonstandard, Auto CommNonstandard Phys Dmg, CGL, Environmental Liab, GL, Hired & Non-owned Auto, Long Haul, Physical Damage, Pollution, Pollution Liab, Transportation Pollution Liab, Uninsured Motorists Carrier Status Admitted States All States except FL, HI, LA, MA, MS, NY
JM Wilson
Coverages Cargo, Excess Liab, GL, Hired & Non-owned Auto, Inland Marine, Physical Damage, Pollution Liab, Umbrella Carrier Status Admitted, Non-admitted States AR, AZ, CO, FL, GA, IA, IL, IN, KS, KY, MI, MO, NC, NE, NM, OH, OK, PA, SC, TN, UT, VA, WI, WV, WY
Target Managers Insurance Services
Coverages Auto Comm-Standard, CGL, Environmental Liab, Excess Liab, Pollution Liab, Property, Truck Auto Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Health Clubs
RPS Signature Programs
Coverages Liability, Property Carrier Status Admitted States All States
Sports & Fitness Insurance Corporation (SFIC)
Coverages Abuse & Molestation, Accident & Health, Accidental Death, Boiler & Machinery, BOP, Builders
Risk, Business Income, Business Interruption, CGL, Combo Personal & Commercial, Commercial Marine, Crime, Earthquake, Employee Benefits, EPLI, Equipment
Breakdown, Fire Legal Liab, Flood, GL, Glass, Hired & Nonowned Auto, Inland Marine, Liability, Liquor Liab, Misc Professional Liab, Performance & Payment Bonds, Products Liab, Professional Liab, Umbrella, Workers’ Comp
Carrier Status Admitted States All States
Sports & Wellness Insurance
Coverages Abuse & Molestation, Accident & Health, Crime, Cyber Liab, D&O, GL, Hired & Non-owned Auto, Inland Marine, Property, Umbrella Carrier Status Admitted, Nonadmitted States All States
Venture Insurance Programs
Coverages Auto Comm-Standard, Crime, Cyber Liab, D&O, EPLI, GL, Liquor Liab, Professional Liab, Property, Umbrella Carrier Status Admitted States All States
Healthcare Facilities
AllComp Solutions
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States
Amalgamated Insurance Underwriters
Coverages Assault & Battery, Crime, Earthquake, Equipment
Breakdown, Flood, Property Carrier Status Non-admitted States All States except CO, FL, HI, LA, NY, TX
Amwins - 150+ Locations Worldwide
Coverages Crime, Employee Benefits, Fidelity Bonds, GL, Professional Liab, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Element22 Insurance Services
Coverages CGL, Professional Liab, Property Carrier Status Admitted States All States
NeitClem Wholesale Insurance Brokerage Inc.
Coverages Developmental Disabilities, Fire, Liability, Medical Malpractice, Professional Liab Carrier Status Admitted, Non-admitted States AZ, CA, NV, TX
PEO Brokers Group
Coverages WC - Master Policies/ASO, Workers’ Comp, Workers’ Comp Plus (Alternative) States All States
Pro-Praxis Insurance
Coverages E&O, Professional Liab Carrier Status Admitted States All States
Promont Insurance Advisors
Coverages CGL, Cyber Liab, Professional Liab,
RPS
Heavy Equipment Dealers
Coverages Auto Comm-Standard, Cyber
Inland Marine, Liability, Property, Umbrella States All States
NBIS
Coverages Auto Comm-Standard, Auto Comm-Standard Phys
Dmg, CGL, Commercial Excess, Contractors Equip, Excess Liab, Inland Marine, Liability, Umbrella, Workers’ Comp Carrier
Home Healthcare Providers
AllComp Solutions
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States
Amwins - 150+ Locations Worldwide
Coverages Crime, Employee Benefits, Fidelity Bonds, GL, Professional Liab, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Care Providers Insurance Services
Coverages Abuse & Molestation, Accident & Health, Auto Comm-Standard, Business Interruption, Crime, D&O, EPLI, Excess Liab, GL, Inland Marine, Professional Liab, Property Carrier Status Admitted States All States
CRC Insurance Services
Coverages Excess Liab, GL, Professional Liab, Property, Umbrella Carrier Status Non-admitted States All States except AR, MS, NC, OR, WA
Logic Underwriters, a PCF Company
Coverages GL, Professional Liab Carrier Status Non-admitted States TX
PEO Brokers Group
Coverages WC - Master Policies/ASO, Workers’ Comp, Workers’ Comp Plus (Alternative) States All States
Philadelphia Insurance Companies
Coverages Abuse & Molestation, Commercial Auto, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, Cyber Liab, D&O, Hired & Non-owned Auto, Inland Marine, Medical Malpractice, Professional Liab, Property, Umbrella Carrier Status Admitted States All States except LA
Pro-Praxis Insurance
Coverages E&O, Professional Liab Carrier Status Admitted States All States
Promont Insurance Advisors
Coverages CGL, Cyber Liability, EPLI, Excess Liability, Hired & Non-owned Auto, Professional Liability, Property Carrier Status Non-admitted
JUNE 3, 2024 INSURANCE JOURNAL | NATIONAL | 45 INSURANCEJOURNAL.COM
Property Carrier Status Non-admitted States All States
Healthcare
Excess Liab, GL, Medical Professional, Professional Liab, Property States All States
Coverages D&O, EPLI,
Ascinsure Specialty Risk
Liab,
Status Admitted, Non-admitted States All States
States All States Quaker Special Risk, a Jencap Company (Florida) Coverages Abuse & Molestation, CGL, Professional Liab Carrier Status Non-admitted States Most States
2024 Annual Program Directory, Summer Edition
Home Healthcare Providers (continued)
Quaker Special Risk, a Jencap Company (Mass.)
Coverages Abuse & Molestation, CGL, Professional Liab Carrier Status Non-admitted States Most States
Quaker Special Risk, a Jencap Company (New Jersey)
Coverages Abuse & Molestation, CGL, Professional Liab Carrier Status Non-admitted States Most States
RPS Healthcare
Coverages D&O, EPLI, Excess Liab, GL, Professional Liab, Property States All States
Sapphire Blue
Coverages CGL, Professional Liab
Carrier Status Non-admitted States All States except KY
StateFund First, a Div of Arthur J Gallagher Ins Brokers of CA
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States CA
Home Inspectors
Landy Insurance Agency
Coverages CGL, E&O, Misc Professional Liab, Professional Liab Carrier Status Admitted States All States
Norman-Spencer Agency LLC
Coverages E&O, GL, Property Carrier Status Non-admitted States All States except AK, LA, WV
Professional Insurance Concepts
Coverages E&O, EPLI, Professional Liab Carrier Status Admitted States All States
RealCare Insurance
Coverages E&O, Professional Liab Carrier Status Admitted, Non-admitted States All States
Target Professional Programs
Coverages E&O, GL, Professional Liab Carrier Status Non-admitted States All States
Home
Medical Equipment Dealers
Amwins - 150+ Locations Worldwide
Coverages Crime, Employee Benefits, Fidelity Bonds, GL, Professional Liab, Property, Workers’ Comp
Carrier Status Admitted, Non-admitted States All States
Philadelphia Insurance Companies
Coverages Abuse & Molestation, Boiler & Machinery, CGL, Crime, Cyber Liab, D&O, EPLI, Equipment Breakdown, Products Liab, Professional Liab, Property, Umbrella Carrier Status Admitted States All States except LA
Homebuilders
Applied Underwriters Inc.
Coverages Builders Risk, Catastrophe, Combo Personal & Commercial, Workers’ Comp Carrier Status Admitted States All States
Builders & Tradesmen’s Insurance Services Inc. (BTIS)
Coverages Auto Comm-Standard, Excess Liab, GL, Inland Marine Carrier Status Admitted States All States except AK, CO, NY
Gridiron Insurance Underwriters Inc.
Coverages Excess Liab, GL Carrier Status Non-admitted States NJ, NY
Omaha National
Coverages Workers’ Comp Carrier Status Admitted States AZ, CA, CT, GA, IA, IL, NC, NE, NJ, NY, PA, SC
Quaker Special Risk, a Jencap Company (New Jersey)
Coverages Blanket Waivers, CGL, Liability Carrier Status Non-admitted States Most States
REInsurePro
Coverages Builders Risk, Business Income, CGL, Dwelling Fire, Earthquake, Equipment Breakdown, Flood, Foreclosed Properties, Hail, Hurricane, Liability, Medical Payments, Property, Rented Property, Residential Property, Vacant Building Carrier Status Non-admitted States All States except FL, LA, NY
US Assure
Coverages Builders Risk, Business Income, COC, Contractors Equip, Earthquake, Fire, Flood, Hail, High Valued Homes, Hurricane, Installation Floaters, Residential Property, Theft, Tools & Equip, Weather, Wind Carrier Status Admitted States All States
Victor Insurance Managers LLC
Coverages Builders Risk, Cyber Liab Carrier Status Admitted States All States except HI
Homeowner Associations
Amalgamated Insurance Underwriters
Coverages Boiler & Machinery, Earthquake, Flood, Property Carrier Status Non-admitted States All States except CO, FL, HI, LA, NY, TX
Amwins - 150+ Locations Worldwide
Coverages Auto Comm-Standard, Crime, Equipment
Breakdown, Flood, GL, Inland Marine, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States
Coastal Insurance Underwriters Inc.
Coverages Boiler & Machinery, Business Income, CGL, Crime, Cyber Liab, Difference in Conditions, Dwelling Fire, Employee Benefits, Environmental Liab, EPLI, Excess Flood, Fire, Garage Keepers Legal Liab, GL, Homeowners Pkg, Liability, Nonprofit D&O, Pool & Spa Liab, Property, Umbrella, Wind, Workers’ Comp Carrier Status Non-admitted States CA, FL, GA, KY, TN, TX
Community Association Insurance Solutions LLC
Coverages Crime, Workers’ Comp Carrier Status Admitted States All States
Distinguished Programs
Coverages Crime, D&O, GL, Property, Umbrella Carrier Status Admitted, Non-admitted States All States
Element22 Insurance Services
Coverages Catastrophe, Excess Flood, Hurricane, Property, Real & Business Personal Prop, Weather, Wind Carrier Status Non-admitted States AL, FL, GA, LA, MS, NC, SC, TX, VA
Hinterland Insurance
Coverages CGL, Earthquake, GL, Property Carrier Status Non-admitted States All States except OK, TX
Ian H. Graham Insurance
Coverages Crime, D&O, Fidelity Carrier Status Admitted States All States
Kevin Davis Insurance Services
Coverages Crime, Cyber Liab, D&O, Excess Liab Carrier Status Admitted States All States
Mexico Insurance Online
Coverages Catastrophe, Earthquake, Fine Arts, Fire, Flood, Glass, Hail, High Valued Homes, Homeowners Pkg, Hurricane, Int’l Coverage - Personal, Pool & Spa Liab, Residential Property, Theft States All States
MexiPass International Insurance Services LLC
Coverages Int’l Coverage - Commercial, Int’l CoveragePersonal Carrier Status Admitted States All States
MiniCo Insurance Agency, a Jencap Company
Coverages D&O, Liability Carrier Status Non-admitted States All States
Philadelphia Insurance Companies
Coverages Commercial Auto, Boiler & Machinery, CGL, Crime, Employee Benefits, Equipment Breakdown, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Inland Marine, Participant Accident, Professional Liab, Property, Real & Business Personal Prop, Umbrella, Uninsured Motorists
Carrier Status Admitted States All States except LA
Professional Insurance Concepts
Coverages E&O, Professional Liab Carrier Status Admitted States All States
US Assure
Coverages Builders Risk, Business Income, COC, Earthquake, Fire, Flood, Hail, High Valued Homes, Hurricane, Installation Floaters, Residential Property, Theft, Weather, Wind Carrier Status Admitted States All States
Horse Breeders/Boarders
Agricultural Insurance Mgmt Services
Coverages Care/Custody/Control, GL, Horse Mortality, Personal Liab Carrier Status Admitted States Most States
Equine Insurance Specialists LLC
Coverages Auto Comm-Standard, Horse Mortality, Liability, Property, Umbrella States All States except AK, FL, HI
Mark D. Fredricksen Insurance Services
Coverages Care/Custody/Control, Commercial Excess, Equipment, Horse Mortality, Mortality
Carrier Status Admitted States All States except AK, DC, HI
Markel
Coverages Auto Comm-Standard, Business Interruption, Care/ Custody/Control, CGL, Excess Liab, Fire Legal Liab, GL, Inland Marine, Legal Liab, Medical Payments, Misc Professional Liab, Personal Property, Property, Tools & Equip, Umbrella Carrier Status Admitted States All States except DC, HI
Novatae Risk Group
Coverages Accident & Sickness, Horse Mortality, Inland Marine, Livestock/Animal Mortality, Medical, Mortality, Theft Carrier Status Admitted, Non-admitted States All States except AK, HI
Horse Farms
Agricultural Insurance Mgmt Services
Coverages Business Income, Care/Custody/Control, Combo Personal & Commercial, Equipment Breakdown, Homeowners Pkg, Horse Mortality, Liability, Tools & Equip
Carrier Status Admitted States Most States
AllComp Solutions
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative)
Carrier Status Admitted States All States
Equine Insurance Specialists LLC
Coverages Auto Comm-Standard, Horse Mortality, Liability, Property, Umbrella Carrier Status Admitted
States All States except AK, FL, HI
Mark D. Fredricksen Insurance Services
Coverages Auto Comm-Standard, Care/Custody/Control, Commercial Excess, Homeowners Pkg, Horse Mortality, Property Carrier Status Admitted
States All States except AK, DC, HI
Markel
Coverages Auto Comm-Standard, Business Interruption, Care/ Custody/Control, CGL, Excess Liab, Fire Legal Liability, GL, Inland Marine, Legal Liability, Medical Payments, Personal Property, Property, Tools & Equip, Umbrella Carrier Status Admitted States All States except DC, HI
Novatae Risk Group
Coverages Accident & Sickness, Horse Mortality, Inland Marine, Livestock/Animal Mortality, Medical, Mortality, Theft Carrier Status Admitted, Non-admitted
States All States except AK, HI
South & Western General Agency Inc.
Coverages Dwelling Fire, Equipment, Excess Liab, GL, Personal Property, Property Carrier Status Admitted States AR, MS, OK, TN, TX
Hospice Care Facilities
Care Providers Insurance Services
Coverages Abuse & Molestation, Accident & Health, Business Interruption, Crime, D&O, EPLI, Excess Liab, GL, Inland Marine, Professional Liab, Property Carrier Status Admitted States All States
Nonprofits Insurance Alliance
Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, Business Income, Business Interruption, CGL, Community/Social Svcs, Developmental Disabilities, EPLI, Fiduciary Liab, Fire Legal Liab, Hired & Non-owned Auto, Inland Marine, Liquor Liab, Mechanical Breakdown, Misc Professional Liab, Nonprofit D&O, Sexual Misconduct, Umbrella, Uninsured Motorists
Carrier Status Non-admitted States Most States
Promont Insurance Advisors
Coverages CGL, Cyber Liab, Professional Liab, Property Carrier Status Non-admitted States All States
Sapphire Blue
Coverages CGL, Professional Liab Carrier Status Non-admitted States All States except KY
Hospitals
Amwins - 150+ Locations Worldwide
Coverages Crime, Cyber Liab, EPLI, Fiduciary Liab, Kidnap/ Ransom, Professional Liab, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States All States Pro-Praxis Insurance
Coverages E&O, Professional Liab Carrier Status Admitted
Hotels/Motels
46 | INSURANCE JOURNAL | NATIONAL JUNE 3, 2024 INSURANCEJOURNAL.COM
States All States
Earthquake,
TX Amwins - 150+ Locations Worldwide Coverages Builders Risk, Business Income, Contractors Equip, Inland Marine Carrier Status Admitted, Non-admitted States All States Anderson & Murison Inc. Coverages CGL, Property States All States Builders & Tradesmen’s Insurance Services Inc. (BTIS) Coverages Excess Liab, GL, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except AK, NY Commercial Sector Insurance Brokers LLC Coverages CGL, Commercial Excess, Earthquake, Excess Liab, Hurricane, Mechanical Breakdown, Property, Wind Carrier Status Non-admitted States Most States
Amalgamated Insurance Underwriters Coverages Assault & Battery, Boiler & Machinery, Crime,
Equipment Breakdown, Flood, Property, Wind Carrier Status Non-admitted States All States except CO, FL, HI, NY, OK,
Covenant Underwriters
Coverages Abuse & Molestation, Boiler & Machinery, Commercial Excess, Crime, Cyber Liability, Earthquake, EPLI, Equipment Breakdown, Flood, Hurricane, Liability, Property, Sexual Misconduct, Wind Carrier Status Non-admitted States All States except AK, HI
Distinguished Programs
Coverages Auto Comm-Standard, CGL, Crime, Cyber Liab, Liability, Property, Umbrella Carrier Status Admitted, Non-admitted States All States
Element22 Insurance Services
Coverages Assault & Battery, Boiler & Machinery, Builders Risk, Business Income, Business Interruption, Catastrophe, Equipment Breakdown, Excess Flood, Fire, Flood, Hurricane, Property, Weather, Wind Carrier Status Non-admitted States All States
Flood Risk Solutions Inc.
Coverages Addt’l Living Expense, Builders Risk, Business Income, Business Interruption, Commercial Excess, Excess Flood, Flood, Personal Property Carrier Status Non-admitted States All States
Gorst & Compass Insurance
Coverages Business Income, CGL, Glass, Property Carrier Status Non-admitted States CA
Hinterland Insurance
Coverages Builders Risk, CGL, Property Carrier Status Non-admitted States All States except OK, TX
Hull & Company
Coverages Business Interruption, CGL, Property Carrier Status Non-admitted States All States except DC
KZ Insurance Brokerage LLC
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States except ND, OH, WA, WY
Markel
Coverages Property, Workers’ Comp Carrier Status Admitted States All States
Monarch E&S Insurance Services
Coverages CGL, Property Carrier Status Non-admitted States All States
PEO Brokers Group
Coverages WC - Master Policies/ASO, Workers’ Comp, Workers’ Comp Plus (Alternative) States All States
Southern Hospitality Underwriters
Coverages All Risks/Cash in Transit, Auto Comm-Standard Liability, Crime, Cyber Liab, EPLI, Equipment Breakdown, GL, Liquor Liab, Property, Sexual Misconduct, Umbrella, Wind, Workers’ Comp Carrier Status Admitted States All States
UCA General Insurance Services Inc.
Coverages Business Income, CGL, Crime, Cyber Liab, EPLI, Equipment Breakdown, Hired & Non-owned Auto, Liquor Liability, Medical Payments, Property, Umbrella Carrier Status Admitted States AZ, CA, ID, NV, OR, UT, WA
Ice Rink Owners & Operators
McGowan Allied Specialty Insurance
Coverages Auto Comm-Standard, CGL, Crime, Equipment Breakdown, Excess Liab, Hired & Non-owned Auto, Inland Marine, Property, Workers’ Comp Carrier Status Admitted States All States
Philadelphia Insurance Companies
Coverages Abuse & Molestation, Commercial Auto, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Inland Marine, Participant Accident, Professional Liab, Property, Real & Business Personal Prop, Sexual Misconduct, Umbrella, Uninsured Motorists Carrier Admitted States All States except LA
Importers
Anderson & Murison Inc.
Coverages Commercial Excess, D&O, EPLI, Professional Liab Carrier Status Admitted States All States
Brownyard Group
Coverages Business Income, Business Interruption, CGL, Employee Benefits, Fire, Fire Legal Liab, GL, Glass, Inland Marine, Liability, Personal Property, Products Liab, Property, Workers’ Comp Carrier Status Non-admitted States All States except KS
Cosmetic Insurance Services, a division of EPIC Brokers
Coverages Commercial Auto, Boiler & Machinery, Crime, GL, Inland Marine, Products Liab, Property, Umbrella Carrier Status Admitted States All States
Meridian Finance Group
2024 Annual Program Directory, Summer Edition
Coverages Performance & Payment Bonds, Political Risk States All States
NeitClem Wholesale Insurance Brokerage Inc.
Coverages GL, Property Carrier Status Admitted, Non-admitted States AZ, CA, NV, TX
In-Home Businesses
Shelly, Middlebrooks & O’Leary Inc.
Coverages Abuse & Molestation, Business Income, Business Interruption, CGL, Crime, Cyber Liab, D&O, E&O, EPLI, Excess Liab Carrier Status Non-admitted States FL, GA, NC, SC, TX
South & Western General Agency Inc.
Coverages BOP, Business Interruption Carrier Status Admitted States AR, MS, NM, OK, TN, TX
Industrial Parks
MexiPass International Insurance Services LLC
Coverages Int’l Coverage - Commercial, Int’l CoveragePersonal Carrier Status Admitted States All States
MG Skinner & Associates
Coverages Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, E&O, Earthquake, EPLI, Excess Liab, Flood, Professional Liab, Property, Real & Business Personal Prop, Tenant Discrimination, Umbrella, Wind, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Innkeepers
Philadelphia Insurance Companies
Coverages Commercial Auto, Business Income, Care/ Custody/Control, CGL, Crime, D&O, Employee Benefits, EPLI, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Personal Property, Professional Liab, Umbrella, Uninsured Motorists Carrier Admitted States All States except LA
Insurance Agents & Brokers (P/C L/H)
Builders & Tradesmen’s Insurance Services Inc. (BTIS)
Coverages E&O, GL, Workers’ Comp Carrier Status Admitted States All States except AK
CalSurance Associates, a Div. of Brown & Brown Program
Coverages Cyber Liab, E&O, EPLI, Identity Theft, Professional Liab Carrier Status Admitted, Non-admitted
States All States Cooper & McCloskey Inc.
Coverages E&O, Professional Liab Carrier Status Admitted, Non-admitted States AK, AZ, CA, CO, GA, HI, IL, NV, NY, OR, TN, TX, UT, WA
Frank Winston Crum Insurance
Coverages Excess Liab, GL, Workers’ Comp
Carrier Status Admitted States Most States
Mexico Insurance Online
Coverages Auto Pers-Nonstandard, Auto Pers-Standard, Boats, Emergency Towing & Service, Homeowners Pkg, Int’l
Coverage - Personal, Liability, Physical Damage States All States
NEXT Insurance
Coverages BOP, Excess Liab, GL, Professional Liab, Umbrella, Workers' Comp Carrier Status Admitted States All States
Number One Insurance Agency
Coverages Excess Liability, Professional Liability
Carrier Status Admitted, Non-admitted States MA
Professional Insurance Concepts
Coverages E&O, EPLI, Professional Liab
Carrier Status Admitted States All States
Quadrant Insurance Managers
Coverages D&O, Professional Liab
Carrier Status Non-admitted States All States
Sun Coast General Insurance Agency
Coverages BOP, Cyber Liab, E&O, Liability Carrier Status
Non-admitted States AZ, CA, CO, NV, OR, UT, WA
Target Professional Programs
Coverages E&O, Professional Liab Carrier Status Nonadmitted States All States except AK, HI, LA, MS, WV
U.S. Brokers Network, a Division of U.S. Risk LLC
Coverages E&O, Professional Liab Carrier Status Admitted, Non-admitted States All States except AK, CA, HI
U.S. E&O Brokers, a Division of U.S. Risk LLC
Coverages Crime, Cyber Liab, D&O, E&O, Professional Liab, Technology E&O States All States
Vanguard Specialty
Coverages E&O, Professional Liab Carrier Status Admitted States AL, AZ, FL, GA, IL, MN, MO, NC, PA, TN, TX
Insurance Companies
Frank Winston Crum Insurance
Coverages Excess Liab, GL, Workers’ Comp
Carrier Status Admitted States Most States
Mexico Insurance Online
Coverages Auto Pers-Nonstandard, Auto Pers-Standard, Boats, Emergency Towing & Service, Homeowners Pkg, Int’l Coverage - Personal, Liability, Physical Damage States All States
Quadrant Insurance Managers
Coverages D&O, EPLI, Fiduciary Liab, Professional Liab Carrier Status Non-admitted States All States
Internet Companies
Professional Insurance Concepts
Coverages E&O, Professional Liab Carrier Status Admitted States All States
RPS Technology & Cyber
Coverages BOP, Breach of Security, Business Income, Business Interruption, CGL, Combo Personal & Commercial, Completed Operations Liab, Crime, Cyber Liab, D&O, E&O, Employee Benefits, EPLI, Excess Liab, Fidelity, Fidelity Bonds, Fiduciary Liab, Hired & Non-owned Auto, Liability, Media Liab, Products Liab, Professional Liab, Property, Technology E&O, Umbrella Carrier Status Admitted States All States except DC
Investigators
AMIS/Alliance Marketing & Insurance Services LLC
Coverages Auto Comm-Standard Liability, Auto CommStandard Phys Dmg, E&O, Liability, Property, Workers’ Comp Carrier Status Non-admitted States All States except RI, WY
Brownyard Group
Coverages Assault & Battery, Blanket Addt’l Insureds, Care/
Custody/Control, CGL, Commercial Excess, E&O, GL, Inland Marine, Liability, Lost Key, Medical Payments, Professional Liab, Property Carrier Status Admitted, Non-admitted States All States except NE
Ryan Specialty National Programs
Coverages Assault & Battery, Auto Comm-Nonstandard, Care/ Custody/Control, Crime, E&O, Excess Liab, GL, Inland Marine, Lost Key, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
The Mechanic Group, Inc., A Division of Specialty Programs Group LLC
Coverages CGL, Commercial Excess, Contractors License Bonds, D&O, E&O, EPLI, Liability, Umbrella, Workers’ Comp Carrier Status Non-admitted States All States
Investment Companies
Unitas Financial Services
Coverages Foreclosed Properties, Liability, Property, Rented Property, Residential Property Carrier Status Admitted, Non-admitted States All States except AK, HI
Janitorial Firms
Builders & Tradesmen’s Insurance Services Inc. (BTIS)
Coverages Auto Comm-Standard, Excess Liab, GL, Workers’ Comp Carrier Status Admitted States All States except AK
Indemnity Excess & Surplus Agency Inc.
Coverages Contractors Equip, GL, Lost Key Carrier Status Non-admitted States AZ, CA, CO, FL, HI, ID, NV, OR, TX, WA
Markel
Coverages Business Income, Equipment Breakdown, GL, Lost Key, Medical Payments, Property, Theft, Workers’ Comp Carrier Status Admitted States All States except WV
Omaha National
Coverages Workers’ Comp Carrier Status Admitted States AZ, CA, CT, GA, IA, IL, NC, NE, NJ, NY, PA, SC
PEO Brokers Group
Coverages WC - Master Policies/ASO, Workers’ Comp, Workers’ Comp Plus (Alternative) States All States
TAPCO Underwriters Inc.
Coverages GL, Professional
Jr. Markets/Liquor Stores
Business
JUNE 3, 2024 INSURANCE JOURNAL | NATIONAL | 47 INSURANCEJOURNAL.COM
Property
Status
Liab,
Carrier
Non-admitted States Most States
Alliance Insurance Company
BOP, Cyber Liab, EPLI, Equipment Breakdown, Liquor Liab Carrier Status Admitted States CA
Coverages
2024 Annual Program Directory, Summer Edition
Great American Insurance Group, Alternative Markets
Coverages Auto Comm-Standard, BOP, CGL, Inland Marine, Property, Umbrella, Workers' Comp Carrier Status Admitted, Non-admitted States All States
Laboratories - Testing
Freberg Environmental Inc.
Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, E&O, Environmental Liab, GL, Hired & Non-owned Auto, Pollution, Pollution Liab, Professional Liab, Transportation Pollution Liab Carrier Status Non-admitted States All States
Professional Program Ins. Brokerage, a Div of SPG Ins.
Coverages Cyber Liab, GL, Professional Liab Carrier Status Non-admitted States All States
Virtue Risk Partners LLC
Coverages Auto Comm-Standard, CGL, Commercial Excess, E&O, Environmental Liab, Workers’ Comp Carrier Status Non-admitted States All States
Land Surveyors
Victor Insurance Managers LLC
Coverages Cyber Liab, E&O, Professional Liab Carrier Status Admitted States All States
Landfills/Recycling/Disposal Facilities
Jencap Specialty Insurance Services (Environmental)
Coverages Pollution, Pollution Liab Carrier Status Non-admitted States All States
PartnerOne Environmental
Coverages Environmental Liab, Pollution, Pollution Liab States All States
Virtue Risk Partners LLC
Coverages CGL, Commercial Excess, E&O, Environmental Liab, Workers’ Comp Carrier Status Non-admitted States All States
Landscape Contractors
Brownyard Group
Coverages Auto Comm-Standard, Care/Custody/Control, Commercial Excess, Completed Operations Liab, E&O, Environmental Liab, Equipment Breakdown, Fire Legal Liab, GL, Herbicide & Pesticide, Inland Marine, Liability, Lost Key, Pollution Liab, Professional Liab, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except CA, LA, NV, NY, SC
Builders & Tradesmen’s Insurance Services Inc. (BTIS)
Coverages Auto Comm-Standard, Contractors Equip, Excess Liab, GL, Workers’ Comp Carrier Status Admitted States All States except AK
DeCotis Specialty Insurance
Coverages Blanket Addt’l Insureds, Blanket Waivers, Commercial Excess, Equipment, Fire Legal Liab, GL, Inland Marine, Medical Payments Carrier Status Non-admitted States AZ, CO, CT, DC, DE, FL, GA, MA, MD, ME, NH, NJ, OK, PA, RI, SC, VA, VT
Gridiron Insurance Underwriters Inc.
Coverages Excess Liab, GL Carrier Status Non-admitted States NJ, NY
MiniCo Insurance Agency, a Jencap Company
Coverages Commercial Auto, CGL, GL, Herbicide & Pesticide, Inland Marine, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Omaha National
Coverages Workers’ Comp Carrier Status Admitted States AZ, CA, CT, GA, IA, IL, NC, NE, NJ, NY, PA, SC
Oryx Insurance Brokerage Inc.
Coverages Auto Comm-Standard, GL, Umbrella, Workers’ Comp Carrier Status Admitted States CT, DE, MD, NJ, NY, PA, VT
Professional Insurance Concepts
Coverages E&O, Professional Liab Carrier Status Admitted States All States
REInsurePro
Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Completed Operations Liab, Contractors Equip, Contractors
License Bonds, Excess Liab, Inland Marine, Pollution Liab, Products Liab Carrier Status Admitted, Non-admitted States All States except NJ, NY
Landscape Gardeners
Brownyard Group
Coverages Auto Comm-Standard, Care/Custody/Control, Commercial Excess, Completed Operations Liab, E&O, Environmental Liab, Equipment Breakdown, Fire Legal Liab, GL, Herbicide & Pesticide, Inland Marine, Liability, Lost Key, Pollution Liab, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except CA, LA, NV, NY, SC
Laser Centers
Marine Agency Corporation
Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, BOP, Business Interruption, CGL, GL, Hired & Non-owned Auto, Liability, Professional Liab, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except AK, HI
Professional Program Ins. Brokerage, a Div of SPG Ins. Coverages Abuse & Molestation, Blanket Addt’l Insureds, CGL, Commercial Excess, Cyber Liab, E&O, Equipment Breakdown, Excess Liab, GL, Inland Marine, Liability, Media Liab, Misc Professional Liab, Products Liab, Professional Liab, Property, Sexual Misconduct, Tanning Liab, Teachers Liab Carrier Status Non-admitted States All States
Laundries/Coin Laundry
Bass Underwriters
Coverages Assault & Battery, Bailee/Customer Goods, Business Income, Fire, GL, Hired & Non-owned Auto, Property, Wind States Most States
Markel
Coverages BOP, Workers’ Comp Carrier Status Admitted States All States
Law Firms
Amwins - 150+ Locations Worldwide
Coverages Legal Liab, Professional Liab States ME, NH, VT
Cooper & McCloskey Inc.
Coverages Legal Malpractice, Professional Liab
Carrier Status Admitted, Non-admitted States AK, AZ, CA, CO, GA, HI, IL, NV, NY, OR, TN, TX, UT, WA
Hull & Company
Coverages Commercial Excess, D&O, E&O, EPLI
Carrier Status Admitted, Non-admitted
States All States except DC
Lawyer’s Protector Plan
Coverages E&O, Legal Liab, Legal Malpractice, Professional Liab Carrier Status Admitted States Most States
MiniCo Insurance Agency, a Jencap Company
Coverages E&O, Professional Liab Carrier Status Admitted, Non-admitted States All States
Professional Insurance Concepts
Coverages E&O, EPLI, Professional Liab
Carrier Status Admitted States All States
Synergy Professional Associates Inc.
Coverages Excess Liab, Professional Liab
Carrier Status Admitted, Non-admitted
States All States except AR, KS, MO
Target Professional Programs
Coverages E&O, Professional Liab Carrier Status Admitted
States Most States
The McGowan Companies
Coverages E&O, Excess Liab, Professional Liab
States AL, CA, CO, CT, FL, GA, MI, NV, NY, OH, TN, TX, WA
Vanguard Specialty
Coverages E&O, Excess Liab, Professional Liab
Carrier Status Admitted, Non-admitted States All States
Wilkoff Bonds
Coverages Crime, Fidelity, Fidelity Bonds, Fiduciary Liab
Carrier Status Admitted States All States
Libraries
Brownyard Group
Coverages Abuse & Molestation, Auto Comm-Standard, Business Income, CGL, Commercial Excess, Crime, D&O, E&O, EPLI, Equipment, Fine Arts, GL, Inland Marine, Medical Payments, Property Carrier Status Admitted States All States except AK, FL, HI, WA
Limousine Service Companies
5Star Specialty Programs
Coverages Auto Comm-Nonstandard, Auto CommNonstandard Liability, Auto Comm-Nonstandard Phys Dmg, Commercial Auto, Excess Liab, GL, Physical Damage, Workers’ Comp Carrier Status Admitted States All States
KF&B Program Managers Insurance Services
Coverages Auto Comm-Standard, Liability, Physical Damage Carrier Status Admitted States All States except HI, MA, NY, RI
National Indemnity Company
Coverages Auto Comm-Nonstandard, Auto CommNonstandard Phys Dmg, Liability, Medical Payments, Uninsured Motorists Carrier Status Admitted, Non-admitted States All States except HI, MA, NJ, NY
Philadelphia Insurance Companies
Coverages Auto Comm-Standard Liability, Auto CommStandard Phys Dmg, CGL, Hired & Non-owned Auto Carrier Status Admitted States All States except FL, LA, MI, NV, NY
Prime Insurance Company
Coverages Abuse & Molestation, Assault & Battery, Auto Comm-Nonstandard, Auto Comm-Nonstandard Phys Dmg, Commercial Excess, Difference in Conditions, GL, Hired & Non-owned Auto, Motor Truck Cargo, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States All States
Liquor Stores
Business Alliance Insurance Company
Coverages BOP, Cyber Liab, EPLI, Equipment Breakdown, Liquor Liab Carrier Status Admitted States CA
Gorst & Compass Insurance
Coverages Business Income, CGL, Liquor Liab, Property Carrier Status Non-admitted States CA
Number One Insurance Agency
Coverages GL, Liquor Liab, Property, Vacant Building Carrier Status Admitted States MA
Long Term Care Facilities
Amwins - 150+ Locations Worldwide
Coverages Abusive Acts, GL, Professional Liab, Workers’ Comp Carrier Status Admitted States All States
Lumber Mills/Saw/Plywood
Continental Underwriters Inc.
Coverages Auto Comm-Nonstandard, Auto Comm-Standard, Boiler & Machinery, Builders Risk, Cargo, Crime, Earthquake, Equipment, Equipment Breakdown, Flood, Foreign GL, Hail, Inland Marine, Liability, Motor Truck Cargo, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Machine Shops
Omaha National Coverages Workers’ Comp Carrier Status Admitted States AZ, CA, CT, GA, IA, IL, NC, NE, NJ, NY, PA, SC
Western Surplus Lines Agency Inc.
Coverages Bailee/Customer Goods, Blanket Addt’l Insureds, Blanket Waivers, CGL, Commercial Excess, Completed Operations Liab, Contractors Equip, Hired & Non-owned Auto, Medical Payments, Misc Professional Liab, Products Liab Carrier Status Non-admitted States LA, ND, NM, OK, TX
Managed Care Centers
Pro-Praxis Insurance
Coverages E&O, Professional Liab Carrier Status Admitted States All States
Professional Insurance Concepts
Manufacturers
48 | INSURANCE JOURNAL | NATIONAL JUNE 3, 2024 INSURANCEJOURNAL.COM
Coverages E&O, Professional Liab Carrier Status Admitted States All States
AllComp Solutions Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States Amwins - 150+ Locations Worldwide Coverages All Risks/Cash in Transit, Cargo, Commercial Marine, Wet Marine Carrier Status Admitted States All States Applied Underwriters Inc. Coverages Builders Risk, Combo Personal & Commercial, Workers’ Comp Carrier Status Admitted States All States
Labor
Unions
Commercial Sector Insurance Brokers LLC
Coverages CGL, Excess Liab, Products Liab, Property, Umbrella Carrier Status Non-admitted States Most States
Continental Underwriters Inc.
Coverages Business Income, Business Interruption, Cargo, Crime, Equipment Breakdown, Excess Liab, GL, Liability, Property, Theft, Umbrella, Wind, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Cowbell Cyber Coverages Breach of Security, Business Income, Business Interruption, Cyber Liab Carrier Status Admitted States All States except AK, HI, VT
Euclid Life Science Specialty LLC
Coverages Commercial Excess, Completed Operations Liab, E&O, Excess Liab, GL, Liability, Products Liab, Professional Liab Carrier Status Non-admitted States All States
Great American Insurance Group, Alternative Markets
Coverages Auto Comm-Standard, BOP, CGL, Inland Marine, Property, Umbrella, Workers' Comp Carrier Status Admitted, Non-admitted States All States
JC Wilson Consulting Inc.
Coverages Boiler & Machinery, Equipment Breakdown, Product Extended Warranty, Service Contracts, Warranties, Extended Carrier Status Admitted States All States
JM Wilson
Coverages Builders Risk, Business Income, Cargo, Crime, Cyber Liab, D&O, E&O, EPLI, Equipment Breakdown, Excess Liab, Flood, Foreign GL, GL, Hired & Non-owned Auto, Inland Marine, Pollution Liab, Products Liab, Professional Liab, Property, Umbrella, Workers’ Comp
Carrier Non-admitted States All States except AK, HI, NY
Joseph Chiarello & Co., Inc.; Firearms Business Insurance
Coverages CGL, Equipment Breakdown, Firearms Liability, Property, Umbrella Carrier Status Admitted States All States
MacAfee & Edwards Inc. - Mexican Insurance Specialist
Coverages Foreign GL, Int’l Coverage - Commercial, Int’l Coverage - Personal Carrier Status Admitted, Non-admitted States All States
Meramec Secure Inc.
Coverages Product Extended Warranty, Service Contracts, Warranties, Extended Carrier Status Admitted States All States
MexiPass International Insurance Services LLC
Coverages Int’l Coverage - Commercial, Int’l CoveragePersonal States All States
Monarch E&S Insurance Services
Coverages GL, Property Carrier Status Non-admitted
States All States
NeitClem Wholesale Insurance Brokerage Inc.
Coverages Blanket Addt’l Insureds, Completed Operations Liab, Equipment, Foreign GL, Inland Marine, Liability, Motor Truck Cargo, Pollution, Product Extended Warranty, Products Liab Carrier Status Admitted, Non-admitted States AZ, CA, NV, TX
Novatae Risk Group
Coverages Liability, Products Liability Carrier Status Non-admitted States All States except DC
Parcel Insurance Plan
Coverages Cargo, Inland Marine Carrier Status Admitted States All States
Personal Safeguards Group LLC
Coverages Product Extended Warranty, Service Contracts, Warranties, Extended Carrier Status Admitted States All States
Professional Program Ins. Brokerage, a Div of SPG Ins.
Coverages Blanket Addt’l Insureds, CGL, Commercial Excess, Cyber Liab, Inland Marine, Products Liab, Property Carrier Status Non-admitted States All States
Quirk & Company
Coverages CGL, Environmental Liab, Equipment, Excess Flood, Flood, Kidnap/Ransom, Products Liab, Professional Liab, Property Carrier Status Non-admitted States LA, OK, OR, TX, WA
Southwest Risk
Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Property, Umbrella Carrier Status Non-admitted States All States
StateFund First, a Div of Arthur J Gallagher Ins Brokers of CA
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States CA
The McGowan Companies
Coverages Abuse & Molestation Carrier Status Admitted States All States
2024 Annual Program Directory, Summer Edition
Marina Operators
Hull & Company
Coverages Commercial Marine, Marina Operators Legal, Property Carrier Status Non-admitted States All States except DC
Markel Personal Lines
Coverages Boats, Commercial Marine, Hull, Pollution Liab, Watercraft Liab Carrier Status Admitted States All States
McGowan Allied Specialty Insurance
Coverages Auto Comm-Standard, CGL, Crime, Equipment Breakdown, Excess Liab, Hired & Non-owned Auto, Inland Marine, Marina Operators Legal, Property, Workers’ Comp Carrier Status Admitted States All States
Mexico Insurance Online
Coverages Boats, Int’l Coverage - Personal, Watercraft Liab States All States
The American Equity Underwriters Inc.
Coverages MEL, USL&H, Workers’ Comp States All States
The Hanover Insurance Group
Coverages Auto Comm-Standard, CGL, Crime, D&O, Environmental Liab, EPLI, Equipment, Fine Arts, GKLL, GL, Hull, Legal Liab, Liability, Liquor Liab, Marina Operators Legal, Physical Damage, Piers & Docks, Pollution Liab, Products Liab, Property, Protection & Indemnity (P&I), Watercraft Liab, Workers’ Comp Carrier Status Admitted States All States
Marina/Boat Repair & Service Centers
Builders & Tradesmen’s Insurance Services Inc. (BTIS)
Coverages Auto Comm-Standard, GL Carrier Status
Admitted States All States except AL, KS, LA, MS, TX, WI
Markel Personal Lines
Coverages Boats, Commercial Marine, Hull, Pollution Liab, Watercraft Liab Carrier Status Admitted States All States
Roush Insurance Services Inc.
Coverages Bailee/Customer Goods, Boiler & Machinery, Business Income, Business Interruption, Care/Custody/ Control, CGL, Commercial Marine, Crime, Cyber Liab, D&O, EPLI, Equipment Breakdown, Excess Liab, Fire, GKLL, GL, Hoist/Haul-out, Hull, Inland Marine, Liability, Lost Key, Marina Operators Legal, Mechanical Breakdown, Physical Damage, Pollution, Property, Protection & Indemnity (P&I), Real & Business Personal Prop, Ship Repairers Legal, Theft, Tools & Equip, Watercraft Liab, Watersports Liab, Wet Marine Carrier Status Non-admitted States IA, IL, IN, OH, WI
Sun Coast General Insurance Agency
Coverages Boats, Care/Custody/Control, CGL, Commercial Marine, Marina Operators Legal, Piers & Docks, Ship Repairers Legal, Tools & Equip, Uninsured Boaters, Watercraft Liab, Wet Marine Carrier Status Admitted, Non-admitted States AK, AZ, CA, CO, FL, NV, OR, UT, WA
The Hanover Insurance Group
Coverages Auto Comm-Standard, CGL, Crime, D&O, Environmental Liab, EPLI, Equipment, Fine Arts, GKLL, GL, Hull, Legal Liab, Liability, Liquor Liab, Marina Operators Legal, Physical Damage, Piers & Docks, Pollution Liab, Products Liab, Property, Protection & Indemnity (P&I), Watersports Liab, Workers’ Comp Carrier Status Admitted States All States
Marinas/Boat Dealers
Mexico Insurance Online
Coverages Boats, Int’l Coverage - Personal, Watercraft Liab States All States
Sun Coast General Insurance Agency
Coverages Boats, Cargo, CGL, Commercial Marine, Hull, Physical Damage Rental Units, Piers & Docks, Ship Repairers Legal, Uninsured Boaters, Watercraft Liab, Wet Marine Carrier Status Admitted, Non-admitted States AK, AZ, CA, CO, FL, NV, OR, UT, WA
The Hanover Insurance Group
Coverages Auto Comm-Standard, CGL, Crime, D&O, Environmental Liab, EPLI, Equipment, Fine Arts, GKLL, GL, Hull, Legal Liab, Liability, Liquor Liab, Marina Operators Legal, Physical Damage, Piers & Docks, Pollution Liab, Products Liab, Property, Protection & Indemnity, Watersports Liab, Workers’ Comp Carrier Admitted States All States
Martial Arts Facilities
Philadelphia Insurance Companies
Coverages Abuse & Molestation, Commercial Auto, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Inland Marine, Participant Accident, Professional Liab, Property, Real & Business Personal Prop, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA
Sports & Fitness Insurance Corporation (SFIC)
Coverages Accident & Health, Accidental Death, Auto Comm-Standard, Builders Risk, Business Income, Business Interruption, CGL, Crime, Earthquake, Employee Benefits, EPLI, Flood, GL, Glass, Liability, Medical, Professional Liab, Property Carrier Status Admitted States All States
Sports & Wellness Insurance
Coverages Abuse & Molestation, Accident & Health, Crime, Cyber Liab, D&O, GL, Hired & Non-owned Auto, Inland Marine, Property, Umbrella Carrier Status Admitted, Non-admitted States All States
Medical & Physical Rehab Facilities
Amalgamated Insurance Underwriters
Coverages Assault & Battery, Crime, Earthquake, Equipment Breakdown, Flood, Property Carrier Status Non-admitted States All States except CO, FL, HI, LA, NY, TX
Amwins - 150+ Locations Worldwide
Coverages Business Interruption, Employee Benefits, Fidelity Bonds, GL, Professional Liab, Property, Workers’ Comp Carrier Status Non-admitted States All States
Pro-Praxis Insurance
Coverages E&O, Professional Liab Carrier Status Admitted States All States
Quaker Special Risk, a Jencap Company (New Jersey)
Coverages Abuse & Molestation, CGL, GL, Hired & Nonowned Auto, Liability, Professional Liab, Umbrella Carrier Status Non-admitted States Most States
Medical Device/Instrument Mfr.
Amwins - 150+ Locations Worldwide
Coverages Crime, D&O, EPLI, Excess Liab, Fidelity Bonds, GL, Hired & Non-owned Auto, Professional Liab, Property, Workers’ Comp Carrier Status Admitted States All States
Euclid Life Science Specialty LLC
Coverages Commercial Excess, Completed Operations Liab, E&O, Excess Liab, GL, Liability, Products Liab, Professional Liab Carrier Status Non-admitted States All States
Quaker Special Risk, a Jencap Company (Florida)
Coverages CGL, GL, Liability, Umbrella
Carrier Status Non-admitted States Most States
Quaker Special Risk, a Jencap Company (Mass.)
Coverages CGL, GL, Liability, Umbrella
Carrier Status Non-admitted States Most States
Quaker Special Risk, a Jencap Company (New Jersey) Coverages CGL, GL, Liability, Umbrella Carrier Status Non-admitted States Most States
Medical Imaging Centers
Gridiron Insurance Underwriters Inc.
Coverages Excess Liab, GL Carrier Status Non-admitted States NJ, NY
Pro-Praxis Insurance
Coverages E&O, Professional Liab Carrier Status Admitted States All States
Quaker Special Risk, a Jencap Company (New Jersey)
Coverages CGL, GL, Liability, Professional Liab, Umbrella Carrier Status Non-admitted States Most States
Medical Professionals
Access E&S Insurance Services
Coverages Excess Liability, Professional Liability
Carrier Status Non-admitted States AR, DC, DE, GA, IL, MD, NC, NJ, NY, OH, PA, SC, TN, TX, VA
KZ Insurance Brokerage LLC
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative)
Carrier Status Admitted States All States except ND, OH, WA, WY
NeitClem Wholesale Insurance Brokerage Inc.
Coverages D&O, E&O, Liability, Medical Malpractice, Professional Liab Carrier Status Admitted, Non-admitted States AZ, CA, NV, TX
TDC Specialty Underwriters
Coverages Liability, Medical Malpractice, Professional Liab
Carrier Status Admitted, Non-admitted States All States except KS, NH, NY
The McGowan Companies
Coverages Misc Professional Liability, Professional Liability
Carrier Status Admitted, Non-admitted States All States
JUNE 3, 2024 INSURANCE JOURNAL | NATIONAL | 49 INSURANCEJOURNAL.COM
2024 Annual Program Directory, Summer Edition
Medical Spas
Marine Agency Corporation
Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, BOP, Business Interruption, CGL, GL, Hired & Non-owned Auto, Liability, Professional Liab, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except AK, HI
Pro-Praxis Insurance
Coverages E&O, Professional Liab Carrier Status Admitted States All States
Professional Program Ins. Brokerage, a Div of SPG Ins. Coverages Abuse & Molestation, Blanket Addt’l Insureds, CGL, Commercial Excess, Cyber Liab, E&O, Equipment Breakdown, Excess Liab, GL, Inland Marine, Liability, Media Liab, Misc Professional Liab, Products Liab, Professional Liab, Property, Sexual Misconduct, Tanning Liab, Teachers Liab Carrier Status Non-admitted States All States
Mental Health Care Facilities
Addiction Treatment Providers Insurance Program
Coverages Abuse & Molestation, Auto Comm-Standard, Business Income, Cyber Liab, Hired & Non-owned Auto, Liability, Medical Malpractice, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except NY
Amwins - 150+ Locations Worldwide
Coverages Business Interruption, Employee Benefits, Fidelity Bonds, GL, Professional Liab, Property, Workers’ Comp Carrier Status Non-admitted States All States
Irwin Siegel Agency
Coverages Abuse & Molestation, Addiction Treatment, Commercial Auto, Boiler & Machinery, Business Income, Crime, Cyber Liab, GL, Inland Marine, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States
Negley Associates
Coverages CGL, Professional Liab Carrier Status Non-admitted States All States
Philadelphia Insurance Companies
Coverages Abuse & Molestation, Addiction Treatment, Commercial Auto, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Inland Marine, Professional Liab, Property, Real & Business Personal Prop, Sexual Misconduct, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA
RPS Signature Programs
Coverages Abuse & Molestation, Auto Comm-Standard, CGL, Cyber Liab, Employee Benefits, EPLI, Excess Liab, Hired & Non-owned Auto, Nonprofit D&O, Professional Liab, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Metalworking Companies
Amwins - 150+ Locations Worldwide
Coverages Auto Comm-Standard, Crime, Equipment Breakdown, GL, Inland Marine, Property, Stop-Gap, Umbrella, Workers’ Comp Carrier Status Admitted States All States
Mobile Home Parks (Commercial)
Arrowhead General Insurance Agency Inc.
Coverages Business Income, GL, Liability, Physical Damage, Property States Most States
Builders & Tradesmen’s Insurance Services Inc. (BTIS)
Coverages Excess Liab, GL, Workers’ Comp
Carrier Admitted, Non-admitted States All States except AK
Gorst & Compass Insurance
Coverages Business Income, CGL, Property Carrier Status Non-admitted States CA
Philadelphia Insurance Companies
Coverages Auto Comm-Standard, Boiler & Machinery, CGL, D&O, Employee Benefits, EPLI, Equipment, Fire Legal Liab, GL, Hired & Non-owned Auto, Liability, Property, Umbrella, Uninsured Motorists, Uninsured Personal Injury
Carrier Status Admitted States All States except LA
South & Western General Agency Inc.
Coverages GL, Property Carrier Status Non-admitted States AR, MS, NM, OK, TN, TX
Mortgage Bankers/Lenders
Proctor Loan Protector
Coverages Blanket Forced Placed, E&O, Excess Flood, Flood, Force Place Fire Cvrg, Foreclosed Properties, High Valued Homes, Mobile Home Ins, Mortgage Impairment, Mortgage REO Cvrg, Rented Property, Residential Property Carrier Status Non-admitted States All States
Ryan Specialty National Programs
Coverages Collateral Protection, Force Place Fire Cvrg, GL, Mortgage Impairment, Mortgage REO Cvrg, Property, Vacant Building Carrier Status Non-admitted States All States
Wilkoff Bonds
Coverages Contractors License Bonds, Crime, Fidelity, Fidelity Bonds, Fiduciary Liab Carrier Status Admitted States All States
Mortgage Brokers
Norman-Spencer Agency LLC
Coverages Cyber Liab, E&O States All States except AK, HI
Philadelphia Insurance Companies
Coverages BOP, Identity Theft, Misc Professional Liab Carrier Status Admitted States All States except LA
RealCare Insurance
Coverages E&O, Professional Liab Carrier Status Admitted, Non-admitted States All States
Wilkoff Bonds
Coverages Contractors License Bonds, Crime, Fidelity, Fidelity Bonds, Fiduciary Liab Carrier Status Admitted States All States
Motion Picture (Film/Video) Producers
Alive Risk
Coverages Accident & Health, Accidental Death, Contingent
Coverages, Event Cancellation, Excess Liab, GL, Hired & Non-owned Auto, Inland Marine, Liquor Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Philadelphia Insurance Companies
Coverages Commercial Auto, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, Cyber Liab, D&O, EPLI, Equipment Breakdown, Inland Marine, Participant Accident, Professional Liab, Property, Umbrella Carrier Status Admitted States All States except LA
R.V. Nuccio & Associates
Coverages Accidental Death, CGL, Commercial Excess, E&O, Equipment, Excess Auto, Excess Liab, GL, Hired & Non-owned Auto, Inland Marine, Liability, Medical Payments, Negative Film, Physical Damage, Products Liab, Property, Props, Rented Property, Sets, Theft, Umbrella, Wardrobe, Workers’ Comp Carrier Status Admitted States All States
Motor Sports
Philadelphia Insurance Companies
Coverages D&O, EPLI Carrier Status Admitted States All States except LA
Motorcycle Dealers
K&K Insurance Group Inc.
Coverages Business Income, Crime, Employee Benefits, EPLI, Garage Liability, Inland Marine, Workers’ Comp Carrier Status Admitted States All States
Mexico Insurance Online
Coverages Auto Pers-Nonstandard, Auto Pers-Standard, Emergency Towing & Service, Int’l Coverage - Personal, Liability, Physical Damage States All States
Ryan Specialty National Programs
Coverages Dealers Open Lot, E&O, Garage Liability, GL, Physical Damage, Property Carrier Status Non-admitted States Most States
Moving & Storage Companies
Mover’s Choice Insurance
Coverages
All States
Moving Companies
Mover’s Choice Insurance
Coverages Auto Comm-Standard Liability, Cargo, Crime, Cyber Liab, Property, Umbrella, Workers’ Comp States All States
Prime Insurance Company
Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property
Carrier Status Non-admitted States All States
The Hanover Insurance Group
Coverages Cargo, Equipment, Liability, Motor Truck Cargo, Property Carrier Status Admitted States All States
Municipalities
Apex
Coverages Auto Comm-Standard, Auto Comm-Standard Phys
Dmg, CGL, Commercial Excess, Crime, EPLI, Equipment Breakdown, Inland Marine, Property, Public Officials
Carrier Status Admitted, Non-admitted
States All States except AK, DC, OR, WA
Greene & Associates
Coverages Commercial Excess, Umbrella
Carrier Admitted, Non-admitted States All States except HI
Professional Governmental Underwriters
Coverages D&O, E&O, EPLI, Police Professional Liab
Carrier Status Admitted, Non-admitted States All States
RPS Signature Programs
Coverages Abuse & Molestation, Auto Comm-Standard, Crime, EPLI, Excess Liab, GL, Inland Marine, Physical Damage, Police Professional Liab, Property, Public Officials States All States
The McGowan Companies
Coverages Commercial Excess, Umbrella
Carrier Status Admitted States All States
Wright Specialty Insurance
Coverages Auto Comm-Standard Liability, Auto CommStandard Phys Dmg, Business Income, CGL, Crime, Cyber Liab, EPLI, Equipment, Equipment Breakdown, Excess Liab, Fire, Inland Marine, Property, Public Officials
Carrier Status Admitted States Most States
Museums
Affinity Nonprofits
Coverages Abuse & Molestation, Auto Comm-Standard, CGL, Crime, Cyber Liab, D&O, EPLI, Excess Liab, Fiduciary Liab, Fine Arts, GL, Historic Bldgs/Unique Property, Inland Marine, Nonprofit D&O, Property Carrier Status Admitted States All States
Care Providers Insurance Services
Coverages Business Interruption, Crime Carrier Status Admitted States All States
Charity First Insurance Services Inc.
Coverages Auto Comm-Standard, Blanket Addt’l Insureds, Business Income, CGL, Crime, Cyber Liab, EPLI, Inland Marine, Nonprofit D&O, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States
Great American Ins. Group, Specialty Human Services
Coverages Commercial Auto, Boiler & Machinery, Business Income, CGL, Commercial Excess, Completed Operations Liab, Crime, Educator Legal Liab, Equipment Breakdown, Excess Liab, Fidelity, Fine Arts, Fire Legal Liab, GL, Historic Bldgs/Unique Property, Inland Marine, Liquor Liab, Medical & Physical Rehab, Property, Real & Business Personal Prop, Sexual Misconduct, Umbrella Carrier Status Admitted States All States except HI, LA, OK
Huntington T. Block
Coverages Fine Arts, Mysterious Disappearance, Property, Theft Carrier Status Admitted States All States
Markel
Coverages Accident & Health, Auto Comm-Standard, Completed Operations Liab, Crime, Equipment Breakdown, Fine Arts, GL, Historic Bldgs/Unique Property, Inland Marine, Professional Liab, Property, Umbrella Carrier Status Admitted States All States except DC, HI
Philadelphia Insurance Companies
Coverages Abuse & Molestation, Commercial Auto, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Inland Marine, Nonprofit D&O, Participant Accident, Professional Liab, Property, Real & Business Personal Prop, Sexual Misconduct, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA
50 | INSURANCE JOURNAL | NATIONAL JUNE 3, 2024 INSURANCEJOURNAL.COM
The
Coverages
States
Auto Comm-Standard Liability, Cargo, Crime, Cyber Liab, Property, Umbrella, Workers’ Comp States
Hanover Insurance Group
Cargo, Equipment, Liability, Motor Truck Cargo, Property Carrier Status Admitted States All
Alive Risk
Coverages Accident & Health, Accidental Death, Contingent
Coverages, Event Cancellation, Excess Liab, GL, Hired & Non-owned Auto, Inland Marine, Liquor Liab, Workers’ Comp States All States
K&K Insurance Group Inc.
Coverages Auto Comm-Standard, CGL, Crime, EPLI, Inland Marine, Property, Workers’ Comp Carrier Status Admitted States All States
Networking/Telecommunication Co’s
AMIS/Alliance Marketing & Insurance Services LLC
Coverages Auto Comm-Standard Liability, Auto CommStandard Phys Dmg, BOP, Liability, Property, Workers’ Comp Carrier Status Admitted States All States
RPS Technology & Cyber
Coverages BOP, Breach of Security, Business Income, Business Interruption, CGL, Combo Personal & Commercial, Completed Operations Liab, Crime, Cyber Liab, D&O, E&O, Employee Benefits, EPLI, Excess Liab, Fidelity, Fidelity Bonds, Fiduciary Liab, Hired & Non-owned Auto, Liability, Media Liab, Products Liab, Professional Liab, Property, Technology E&O, Umbrella Carrier Status Admitted States All States except DC
Night Clubs
NeitClem Wholesale Insurance Brokerage Inc.
Coverages Assault & Battery, Fire, GL, Inland Marine, Liability, Liquor Liab, Spoilage Carrier Status Admitted, Non-admitted States AZ, CA, NV, TX
Number One Insurance Agency
Coverages Assault & Battery, Excess Liab, Flood, GL, Liquor Liab, Property, Vacant Building Carrier Status Admitted States MA
Nonprofit Organizations
Affinity Nonprofits
Coverages Abuse & Molestation, Auto Comm-Standard, CGL, Cyber Liab, D&O, EPLI, Event Cancellation, Excess Liab, Fiduciary Liab, Fine Arts, GL, Historic Bldgs/Unique Property, Liability, Liquor Liab, Nonprofit D&O, Professional Liab, Property Carrier Status Admitted States All States except HI
AMIS/Alliance Marketing & Insurance Services LLC
Coverages Auto Comm-Standard Liability, Auto CommStandard Phys Dmg, Liability, Professional Liab, Property Carrier Status Admitted States All States
Berkley Select | a Berkley Company
Coverages D&O, EPLI, Fiduciary Liab, Nonprofit D&O Carrier Status Admitted, Non-admitted States All States
Builders & Tradesmen’s Insurance Services Inc. (BTIS)
Coverages D&O, EPLI, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except AK Care Providers Insurance Services
Coverages Abuse & Molestation, Auto Comm-Standard, Business Interruption, Crime, D&O, Equipment Breakdown, GL, Hired & Non-owned Auto, Liability, Participant Accident, Professional Liab, Property, Theft, Umbrella Carrier Status Admitted States All States except AK, HI
Charity First Insurance Services Inc.
Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, Boiler & Machinery, Business Income, CGL, Crime, Cyber Liab, EPLI, Equipment Breakdown, Int’l Coverage - Commercial, Liquor Liab, Nonprofit D&O, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States
CID Insurance Programs Inc.
Coverages BOP, Commercial Excess, D&O, EPLI, Excess Liab, GL, Liability, Property, Umbrella, Workers’ Comp
Carrier Status Admitted, Non-admitted States AZ, CA, CO, ID, MD, NE, NM, NV, OR, PA, TN, TX, UT, VA, WA
Gateway Specialty Insurance
Coverages Abuse & Molestation, EPLI, GL, Nonprofit D&O, Professional Liab, Property, Umbrella Carrier Status
Admitted, Non-admitted States All States except AK, HI, LA
Great American Ins. Group, Specialty Human Services
Coverages Abuse & Molestation, Auto Comm-Nonstandard, Blanket Addt’l Insureds, Business Income, CGL, Commercial Excess, Community/Social Svcs, Crime, Educator Legal Liab, Employee Benefits, Equipment Breakdown, Excess Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Inland Marine, Misc Professional Liab, Professional Liab, Umbrella
Carrier Status Admitted States All States except HI, LA, OK
Indemnity Excess & Surplus Agency Inc.
Coverages BOP, E&O, EPLI, Nonprofit D&O
Carrier Status Admitted States All States except DC, LA
Irwin Siegel Agency
2024 Annual Program Directory, Summer Edition
Coverages Abuse & Molestation, Accident & Health, Addiction Treatment, Commercial Auto, Boiler & Machinery, BOP, Business Income, CGL, Community/Social Svcs, Crime, Cyber Liab, D&O, E&O, EPLI, Nonprofit D&O, Property, Umbrella Carrier Status Admitted, Non-admitted States All States
MexiPass International Insurance Services LLC
Coverages Int’l Coverage - Commercial, Int’l CoveragePersonal Carrier Status Admitted States All States
MiniCo Insurance Agency, a Jencap Company
Coverages Abuse & Molestation, Accident & Health, Auto Comm-Standard, Boiler & Machinery, Business Income, Business Interruption, Commercial Excess, Community/ Social Svcs, Crime, D&O, E&O, Earthquake, EPLI, Equipment Breakdown, Hired & Non-owned Auto, Liquor Liab, Medical Malpractice, Medical Payments, Medical Professional, Nonprofit D&O, Property, Sexual Misconduct, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except HI, LA
Nonprofits Insurance Alliance
Coverages Abuse & Molestation, D&O, Fiduciary Liab, GL, Hired & Non-owned Auto, Liability, Physical Damage, Professional Liab, Umbrella Carrier Status Admitted, Non-admitted States Most States
Philadelphia Insurance Companies
Coverages Abuse & Molestation, Commercial Auto, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Inland Marine, Nonprofit D&O, Participant Accident, Professional Liab, Property, Real & Business Personal Prop, Sexual Misconduct, Umbrella, Uninsured Motorists Carrier Admitted States All States except LA
Professional Insurance Concepts
Coverages D&O, EPLI Carrier Status Admitted
States All States
R.V. Nuccio & Associates
Coverages Accidental Death, CGL, Crime, D&O, EPLI, GL, Liability, Medical Payments, Nonprofit D&O, Property, Trade Shows & Festivals Carrier Status Admitted States All States
Shelly, Middlebrooks & O’Leary Inc.
Coverages Abuse & Molestation, Business Income, Business Interruption, CGL, Commercial Excess, Community/Social Svcs, Crime, Cyber Liab, D&O, E&O, EPLI, Excess Liab, Hired & Non-owned Auto, Nonprofit D&O
Carrier Status Non-admitted States FL, GA, NC, SC, TX
Sports & Wellness Insurance
Coverages Abuse & Molestation, Accident & Health, Crime, Cyber Liab, D&O, GL, Hired & Non-owned Auto, Inland Marine, Property, Umbrella Carrier Status Admitted, Non-admitted States All States
U.S. E&O Brokers, a Division of U.S. Risk LLC
Coverages Crime, Cyber Liab, Event Cancellation, Nonprofit D&O Carrier Status Admitted, Non-admitted States All States except AK, DC, HI
Union General Insurance Services Inc.
Coverages Abuse & Molestation, Abusive Acts, Addiction Treatment, Assault & Battery, Blanket Addt’l Insureds, BOP, CGL, Community/Social Svcs, Completed Operations Liab, Crime, Cyber Liab, D&O, EPLI, Excess Liab, Inland Marine, Nonprofit D&O, Professional Liab, Property, Religious Institutions, Sexual Misconduct, Umbrella Carrier Status Admitted, Non-admitted States AZ, CA, NM, NV, OR, TX, UT, WA
Victor Insurance Managers LLC
Coverages Crime, D&O, EPLI, Fiduciary Liab, Kidnap/ Ransom, Nonprofit D&O Carrier Status Admitted, Non-admitted States All States
Nurseries / Garden Centers
Agricultural Insurance Mgmt Services
Coverages CGL, Contractors Equip, Equipment, Equipment
Breakdown, Products Liab, Property Carrier Status Admitted States Most States
Mark D. Fredricksen Insurance Services
Coverages CGL, Property Carrier Status Admitted States All States except AK, DC, FL, HI
Nursing Homes
Amalgamated Insurance Underwriters
Coverages Assault & Battery, Crime, Earthquake, Equipment Breakdown, Flood, Property Carrier Status Non-admitted
States All States except CO, FL, HI, LA, NY, TX
Amwins - 150+ Locations Worldwide
Coverages Abuse & Molestation, GL, Professional Liab, Umbrella Carrier Status Non-admitted States All States
CRC Insurance Services
Coverages Excess Liability, GL, Professional Liability, Property, Umbrella Carrier Status Non-admitted States All States except AR, MS, NC, OR, WA
Flood Risk Solutions Inc.
Coverages Addt’l Living Expense, Builders Risk, Business Income, Business Interruption, Commercial Excess, Excess Flood, Flood, Personal Property Carrier Status Non-admitted States All States
RPS Healthcare
Coverages D&O, EPLI, Excess Liab, GL, Professional Liab, Property Carrier Status Admitted, Non-admitted States All States
Sapphire Blue
Coverages CGL, Professional Liability
Carrier Status Non-admitted States All States except KY
Wilkoff Bonds
Coverages Crime, Fidelity, Fidelity Bonds, Fiduciary Liab
Carrier Status Admitted States All States
Nutraceutical Manufacturers/ Distributors
CRC Insurance Services
Coverages E&O, Excess Liab, GL States All States
Euclid Life Science Specialty LLC
Coverages Commercial Excess, Completed Operations Liab, E&O, Excess Liab, GL, Liability, Products Liab, Professional Liab Carrier Status Non-admitted States All States
Professional Program Ins. Brokerage, a Div of SPG Ins.
Coverages Blanket Addt’l Insureds, CGL, Commercial Excess, Cyber Liab, Inland Marine, Misc Professional Liab, Products Liab, Property Carrier Status Non-admitted States All States
Quaker Special Risk, a Jencap Company (New Jersey)
Coverages CGL, Commercial Excess, GL, Liability, Products Liab Carrier Status Non-admitted States Most States
Office Building Owners
Berkley Luxury Group, a W.R. Berkley Company
Coverages CGL, Cyber Liab, GKLL, Hired & Non-owned Auto, Property Carrier Status Admitted States DC, GA, IL, MA, MD, MI, MN, NJ, NY, PA, VA, WI
Business Alliance Insurance Company
Coverages BOP, Equipment Breakdown Carrier Status Admitted States CA
Distinguished Programs
Coverages Boiler & Machinery, Builders Risk, CGL, GL, Property, Umbrella, Vacant Building Carrier Status Admitted, Non-admitted States All States
Element22
Insurance Services
Coverages Builders Risk, Catastrophe, Excess Flood, Fire, Flood, Hurricane, Property, Weather, Wind Carrier Status Non-admitted States All States
Flood Risk Solutions Inc.
Coverages Addt’l Living Expense, Builders Risk, Business Income, Business Interruption, Commercial Excess, Excess Flood, Flood, Personal Property
Carrier Status Non-admitted States All States
HabPro Insurance
Coverages Business Income, Equipment Breakdown, Hired & Non-owned Auto, Property Carrier Status Non-admitted States All States except AK, FL, HI, LA
Hinterland Insurance
Coverages CGL, Earthquake, GL, Property, Vacant Building Carrier Status Non-admitted States All States except OK, TX
IPC
Coverages CGL, Equipment Breakdown, GL, Liability, Property, Vacant Building Carrier Status Non-admitted States AR, AZ, CA, CO, IA, ID, KS, LA, MN, MO, MT, ND, NE, NM, NV, OK, OR, SD, TX, UT, WA, WY
M.J. Hall & Company Insurance Brokers
Coverages BOP, CGL, Excess Liability, Property Carrier Status Admitted, Non-admitted States AK, AZ, CA, CO, HI, ID, KS, MT, NE, NM, NV, OK, OR, SD, TX, UT, WA, WY
MG Skinner & Associates
Coverages Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, E&O, Earthquake, EPLI, Excess Liab, Flood, Misc Professional Liab, Professional Liab, Property, Tenant Discrimination, Umbrella, Wind, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
JUNE 3, 2024 INSURANCE JOURNAL | NATIONAL | 51 INSURANCEJOURNAL.COM
Music, Touring & Live Events
2024 Annual Program Directory, Summer Edition
Office Building Owners (continued)
Philadelphia Insurance Companies
Coverages Commercial Auto, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Employee Benefits, EPLI, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Inland Marine, Property, Real & Business Personal Prop, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA Preferred Concepts LLC
Coverages Excess Liab, GL, Umbrella Carrier Status Admitted States All States
Quirk & Company
Coverages CGL, Commercial Excess, Excess Liab, Property, Vacant Building Carrier Status Admitted, Non-admitted States OK, TX
UCA General Insurance Services Inc.
Coverages Business Income, CGL, Cyber Liab, EPLI, Equipment Breakdown, Fire Legal Liab, Hired & Non-owned Auto, Medical Payments, Property, Umbrella Carrier Status Admitted States AZ, CA, ID, NV, OR, UT, WA
Oil & Gas Operators
AAU, A division of USG Insurance Services
Coverages Auto Comm-Standard, Auto Comm-Standard Phys Dmg, Contractors Equip, Environmental Liab, GL, Inland Marine, Motor Truck Cargo, Pollution, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
LIG Marine Managers
Coverages USL&H, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Novatae Risk Group
Coverages Auto Comm-Standard, Business Interruption, Commercial Excess, Control of Well, E&O, Employee Benefits, Environmental Liab, GL, Pollution, Pollution Liab, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except DC
Skyward Specialty Insurance
Coverages Auto Comm-Standard, Blanket Waivers, Contractors Equip, Equipment Breakdown, GL, Inland Marine, Installation Floaters, Pollution Liab, Property, Workers’ Comp States Most States
Target Managers Insurance Services
Coverages Auto Comm-Standard, CGL, Environmental Liab, Excess Liab, Pollution Liab, Property, Truck Auto Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Western Surplus Lines Agency Inc.
Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Commercial Excess, Completed Operations Liab, Contractors Equip, Control of Well, Employee Benefits, Fire Legal Liab, Hired & Non-owned Auto, Inland Marine, Medical Payments, Misc Professional Liab, Pollution Liab, Products Liab, Professional Liab Carrier Status Non-admitted States TX
Optometrist
Cowbell Cyber
Coverages Breach of Security, Business Income, Business Interruption, Cyber Liab Carrier Status Admitted, Non-admitted States All States except HI, VT
ProAlly
Coverages Abuse & Molestation, Medical Malpractice, Medical Professional, Professional Liab Carrier Status Non-admitted States All States
Orchards - Agriculture
Agricultural Insurance Mgmt Services
Coverages CGL, Contractors Equip, Products Liab, Property Carrier Status Admitted States Most States
Mark D. Fredricksen Insurance Services
Coverages Auto Comm-Standard, Equipment, Fire, Herbicide & Pesticide, Property Carrier Status Admitted States All States except DC
Osteopaths
TDC Specialty Underwriters
Coverages Liability, Medical Malpractice, Professional Liab Carrier Status Admitted, Non-admitted States All States except KS, NH, NY
Parent Teacher Orgs (PTAs/PTOs)
Nonprofits Insurance Alliance
Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, Business Income, Business Interruption, CGL, Community/Social Svcs, Developmental Disabilities, EPLI, Fiduciary Liab, Fire Legal Liab, Hired & Non-owned Auto, Inland Marine, Liquor Liab, Mechanical Breakdown, Misc Professional Liab, Nonprofit D&O, Sexual Misconduct, Umbrella, Uninsured Motorists Carrier Status Non-admitted States Most States
R.V. Nuccio & Associates
Coverages Abuse & Molestation, Accidental Death, CGL, Crime, D&O, EPLI, GL, Hired & Non-owned Auto, Liability, Medical Payments, Nonprofit D&O, Property, Sexual Misconduct, Theft, Trade Shows & Festivals
Carrier Status Admitted States All States
Pest Control Firms
Brownyard Group
Coverages Auto Comm-Standard, Blanket Addt’l Insureds, Blanket Waivers, Care/Custody/Control, CGL, Commercial Excess, Completed Operations Liab, Crime, E&O, Environmental Liab, Equipment Breakdown, Fidelity, Fire Legal Liab, GL, Herbicide & Pesticide, Inland Marine, Liability, Lost Key, Medical Payments, Pollution Liab, Products Liab, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Admitted, Non-admitted States All States except LA
Markel
Coverages Auto Comm-Standard, Business Income, CGL, Equipment, Equipment Breakdown, Herbicide & Pesticide, Inland Marine, Legal Liability, Livestock/Animal Mortality, Medical Payments, Property, Umbrella
Carrier Status Admitted States All States except AL, AK, HI
Philadelphia Insurance Companies
Coverages CGL, GL, Inland Marine, Property, Umbrella Carrier Status Admitted States All States except LA, VT
Ryan Specialty National Programs
Coverages Auto Comm-Nonstandard, Blanket Addt’l Insureds, Blanket Waivers, Care/Custody/Control, Crime, Employee Benefits, Excess Liab, GL, Hired & Non-owned Auto, Inland Marine, Lost Key, Pollution, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Skyward Specialty Insurance
Coverages Auto Comm-Standard, Care/Custody/Control, CGL, Commercial Excess, Completed Operations Liab, Equipment, Equipment Breakdown, Excess Liab, GL, Inland Marine, Liability, Pollution, Property, Tools & Equip, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Petroleum Distributors
Midwestern Insurance Alliance LLC
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States except ND, OH, WA, WY
Philadelphia Insurance Companies
Coverages Auto Comm-Standard, Crime, GL, Property, Umbrella Carrier Status Admitted States All States except LA
Target Managers Insurance Services
Coverages Auto Comm-Standard, CGL, Environmental Liab, Excess Liab, Pollution Liab, Property, Truck Auto Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Physician Assistants
ProAlly
Coverages Abuse & Molestation, Medical Malpractice, Medical Professional, Professional Liab
Carrier Status Non-admitted States All States
Physicians
Markel
Coverages E&O, Workers’ Comp Carrier Status Admitted States All States
RPS Healthcare
Coverages D&O, EPLI, Medical Malpractice
Carrier Status Admitted, Non-admitted States All States
TDC Specialty Underwriters
Coverages Liability, Medical Malpractice, Professional Liab
Carrier Status Admitted, Non-admitted
States All States except KS, NH, NY
Piers & Docks
Builders & Tradesmen’s Insurance Services Inc. (BTIS)
Coverages Excess Liab, GL Carrier Status Admitted States All States except AL, KS, LA, MS, TX, WI
The Hanover Insurance Group
Coverages Auto Comm-Standard, CGL, Crime, D&O, Environmental Liab, EPLI, Equipment, Fine Arts, GKLL, GL, Hull, Legal Liab, Liability, Liquor Liab, Marina Operators Legal, Physical Damage, Piers & Docks, Pollution Liab, Products Liab, Property, Protection & Indemnity (P&I), Watersports Liab, Workers’ Comp Carrier Status Admitted States All States
Pizza Delivery
Amwins - 150+ Locations Worldwide
Coverages Auto Comm-Standard, BOP, Excess Liab, Hired & Non-owned Auto Carrier Status Admitted States All States IPC
Coverages Hired & Non-owned Auto Carrier Status Non-admitted States All States except FL, LA, NJ
Plastic Manufacturers & Distributors
Amwins - 150+ Locations Worldwide Coverages Auto Comm-Standard, Crime, Equipment Breakdown, GL, Inland Marine, Property, Stop-Gap, Umbrella, Workers’ Comp Carrier Status Admitted States All States
Podiatric Physicians
ProAlly
Coverages Abuse & Molestation, Medical Malpractice, Medical Professional, Professional Liab Carrier Status Non-admitted States All States
RPS Signature Programs
Coverages Cyber Liab, MEDEFENSE Plus, Professional Liab, Sexual Misconduct States All States
TDC Specialty Underwriters
Coverages Liability, Medical Malpractice, Professional Liab Carrier Status Admitted, Non-admitted States All States except KS, NH, NY
Police/Law Enforcement Officers
Professional Governmental Underwriters
Coverages Blanket Wrongful Acts, Police Professional Liab Carrier Status Admitted, Non-admitted States All States
Printers
Markel
Coverages BOP, Workers’ Comp Carrier Status Admitted States All States
Production Companies
Alive Risk
Coverages Accident & Health, Accidental Death, Contingent Coverages, Event Cancellation, Excess Liab, GL, Hired & Non-owned Auto, Inland Marine, Liquor Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Professional Employer Orgs (PEO’s)
Amwins - 150+ Locations Worldwide
Coverages Cyber Liab, EPLI, Workers’ Comp Carrier Status Admitted States All States
Philadelphia Insurance Companies
Coverages Business Income, Care/Custody/Control, CGL, Crime, D&O, Employee Benefits, EPLI, Fiduciary Liab, Fire Legal Liab, GL, Identity Theft, Legal Expense Ins, Personal Property, Professional Liab, Protection & Indemnity (P&I), Umbrella Carrier Status Admitted States All States except LA
Ryan Specialty National Programs
Coverages Abuse & Molestation, Blanket Addt’l Insureds, Blanket Waivers, Care/Custody/Control, Crime, Employee Benefits, EPLI, Excess Liab, GL, Hired & Non-owned Auto, Professional Liab, Property, Stop-Gap, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
StateFund First, a Div of Arthur J Gallagher Ins Brokers of CA Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States CA
World Wide Specialty, a Div of Philadelphia Ins. Co’s Coverages Abusive Acts, Auto Comm-Standard, Blanket Addt’l Insureds, Blanket Waivers, Care/Custody/Control, Crime, Cyber Liab, D&O, E&O, Employee Benefits, EPLI, Fidelity, Fidelity Bonds, GL, HNOA, Misc Professional Liab, Professional Liab, Property, Technology E&O, Umbrella, Workers’ Comp Carrier Status Admitted States All States
52 | INSURANCE JOURNAL | NATIONAL JUNE 3, 2024 INSURANCEJOURNAL.COM
2024 Annual Program Directory, Summer Edition
Professionals/Consultants/Contractors
Access E&S
Insurance Services
Coverages Excess Liab, Pollution, Professional Liab
Carrier Status Non-admitted States AR, DC, DE, GA, IL, MD, NC, NJ, NY, OH, PA, SC, TN, TX, VA
CID Insurance Programs Inc.
Coverages Cyber Liab, E&O, EPLI, Excess Liab, GL, Hired & Non-owned Auto, Property, Workers’ Comp
Carrier Status Admitted, Non-admitted States AZ, CA, CO, ID, MD, NE, NM, NV, OR, PA, TN, TX, UT, VA, WA
Commercial Sector Insurance Brokers LLC
Coverages CGL, Commercial Excess, Completed Operations Liab, E&O, Excess Liab, GL, Liability, Misc Professional Liab, Pollution Liab, Professional Liab, Umbrella
Carrier Status Non-admitted States Most States Draftrs Inc.
Coverages E&O, GL, Professional Liab
Carrier Status Admitted States All States
Indemnity Excess & Surplus Agency Inc.
Coverages CGL, EPLI, Excess Liab, Misc Professional Liab, Property Carrier Status Admitted, Non-admitted States AZ, CA, CO, HI, ID, NV, OR, TX, WA
NEXT Insurance
Coverages CGL, E&O, Equipment, Professional Liab
Carrier Status Admitted States All States
Norman-Spencer International Inc.
Coverages E&O, Professional Liab Carrier Status Admitted States All States except AK, HI
Philadelphia Insurance Companies
Coverages BOP, Identity Theft, Misc Professional Liab
Carrier Status Admitted States All States except LA
Professional Underwriters Agency (PUA)
Coverages Pollution, Professional Liability
Carrier Status Admitted, Non-admitted States All States
RPS Technology & Cyber
Coverages BOP, Breach of Security, Business Income, Business Interruption, CGL, Combo Personal & Commercial, Completed Operations Liab, Crime, Cyber Liab, D&O, E&O, Employee Benefits, EPLI, Excess Liab, Fidelity, Fidelity Bonds, Fiduciary Liab, Hired & Non-owned Auto, Liability, Media Liab, Products Liab, Professional Liab, Property, Technology E&O, Umbrella Carrier Status Admitted States All States except DC
Sun Coast General Insurance Agency
Coverages D&O, E&O, EPLI Carrier Status Admitted, Non-admitted States CA
U.S. E&O Brokers, a Division of U.S. Risk LLC
Coverages Cyber Liab, E&O, Professional Liab Carrier Status Admitted, Non-admitted States All States except AK, CA, HI
Virtue Risk Partners LLC
Coverages Auto Comm-Standard, CGL, Commercial Excess, E&O, Environmental Liab, Workers’ Comp Carrier Status Non-admitted States All States
Western Surplus Lines Agency Inc.
Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Commercial Excess, Hired & Non-owned Auto, Inland Marine, Misc Professional Liab, Pollution Liab Carrier Status Non-admitted States LA, ND, NM, OK, TX
Property Management Firms
HabPro Insurance
Coverages Business Income, Equipment Breakdown, Hired & Non-owned Auto, Property Carrier Status Non-admitted States All States except AK, FL, HI, LA
Markel
Coverages E&O, Workers’ Comp Carrier Status Admitted States All States
MG Skinner & Associates
Coverages Apartment House Package, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, Cyber Liab, E&O, Earthquake, EPLI, Excess Liab, Flood, Misc Professional Liab, Professional Liab, Property, Tenant Discrimination, Umbrella, Wind, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Philadelphia Insurance Companies
Coverages Commercial Auto, Boiler & Machinery, Business Income, Care/Custody/Control, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire
Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Legal Expense Ins, Personal Property, Professional Liab, Protection & Indemnity (P&I), Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA
Preferred Concepts LLC
Coverages CGL, Umbrella Carrier Status Admitted States All States
RealCare Insurance
Coverages E&O, Professional Liab Carrier Status Admitted, Non-admitted States All States
Ryan Specialty National Programs
Coverages Collateral Protection, Force Place Fire Cvrg, GL, Mortgage Impairment, Mortgage REO Cvrg, Property, Vacant
Building Carrier Status Non-admitted States All States
Southwest Risk Coverages Builders Risk, CGL, Property, Umbrella Carrier Status Admitted, Non-admitted States All States
Unitas Financial Services
Coverages Dwelling Fire, E&O, Excess Damage, Foreclosed Properties, Liability, Property, Rented Property, Tenant
Liability Carrier Status Non-admitted States All States except AK, HI
Property Managers
Ian H. Graham Insurance
Coverages Crime, E&O, EPLI, Fidelity
Carrier Status Admitted States All States
Indemnity Excess & Surplus Agency Inc.
Coverages E&O, EPLI, Tenant Discrimination
Carrier Status Admitted States All States except DC, LA
MG Skinner & Associates
Coverages Apartment House Package, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, Cyber Liab, Earthquake, EPLI, Excess Liab, Flood, Misc Professional Liab, Professional Liab, Tenant Discrimination, Umbrella, Wind, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Preferred Concepts LLC
Coverages CGL, Umbrella Carrier Status Admitted States All States
Professional Insurance Concepts
Coverages E&O, Professional Liab Carrier Status Admitted States All States
RealCare Insurance
Coverages E&O, Professional Liab Carrier Status Admitted, Non-admitted States All States
REInsurePro
Coverages Builders Risk, Business Income, CGL, Dwelling Fire, Earthquake, Equipment Breakdown, Flood, Foreclosed Properties, Hail, Hurricane, Medical Payments, Property, Real & Business Personal Prop, Rented Property, Residential Property, Tenant Discrimination, Theft, Vacant Building Carrier Status Non-admitted States All States except FL, LA, NY
Ryan Specialty National Programs
Coverages Collateral Protection, Force Place Fire Cvrg, GL, Mortgage Impairment, Mortgage REO Cvrg, Property, Vacant Building Carrier Status Non-admitted States All States
US Assure
Coverages GL, Rented Property, Residential Property Carrier Status Admitted States All States
Public Entities
Apex
Coverages Auto Comm-Standard Liability, CGL, Difference in Conditions, Equipment Breakdown, Excess Liab, Fidelity Bonds, Inland Marine, Police Professional Liab, Property, Public Officials, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except AK, DC, HI, OR, WA
Gray Specialty
Coverages WC - Buyback Policies, WC - Captive Placement, Workers’ Comp, Workers’ Comp Plus (Alternative)
Carrier Status Admitted States Most States
Grundy Insurance
Coverages Auto Comm-Standard, CGL, D&O, E&O, EPLI, Equipment Breakdown, Excess Liab, Property, Public Officials
Carrier Status Admitted States All States except DC, HI
MAXIMUM
Coverages Boiler & Machinery, Builders Risk, Business Income, Business Interruption, Catastrophe, Earthquake, Equipment, Equipment Breakdown, Excess Flood, Flood, GL, Hurricane, Property, Public Officials, Umbrella
Carrier Status Admitted, Non-admitted States All States
Professional Governmental Underwriters
Coverages D&O, E&O, EPLI, Public Officials
Carrier Status Admitted, Non-admitted States All States
RPS Signature Programs
Coverages Abuse & Molestation, Auto Comm-Standard, Crime, EPLI, Excess Liab, GL, Inland Marine, Physical Damage, Police Professional Liab, Property, Public Officials States All States
RPS Technology & Cyber
Coverages Cyber Liab, Legal Expense Ins, Media Liab
Carrier Status Admitted, Non-admitted States All States
Wright Specialty Insurance
Coverages Auto Comm-Standard Liability, Auto CommStandard Phys Dmg, Business Income, CGL, Crime, Cyber Liab, EPLI, Equipment, Equipment Breakdown, Excess Liab, Fire, Inland Marine, Property, Public Officials
Carrier Status Admitted States Most States
Publishers
Cooper & McCloskey Inc.
Coverages Cyber Liab, D&O, E&O, EPLI, Kidnap/Ransom, Media Liab Carrier Status Admitted States CA
Professional Insurance Concepts
Coverages E&O, Professional Liab Carrier Status Admitted States All States
Real Estate Agents & Brokers
Builders & Tradesmen’s Insurance Services Inc. (BTIS)
Coverages E&O, GL, Workers’ Comp Carrier Status Admitted States All States except AK
Landy Insurance Agency
Coverages BOP, Crime, Cyber Liab, E&O, EPLI, Professional Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except AK, LA
Norman-Spencer Agency LLC
Coverages Cyber Liab, E&O Carrier Status Admitted States All States except AK, CA, LA, WV
Number One Insurance Agency
Coverages BOP, Professional Liab Carrier Status Admitted States MA
Professional Insurance Concepts
Coverages E&O, Professional Liab Carrier Status Admitted States All States
RealCare Insurance
Coverages E&O, Professional Liab Carrier Status Admitted, Non-admitted States All States except NY
Sun Coast General Insurance Agency
Coverages BOP, CGL, Cyber Liab, E&O, EPLI, GL, Work Comp Carrier Non-admitted States AZ, CA, CO, NV, OR, UT, WA
U.S. E&O Brokers, a Division of U.S. Risk LLC
Coverages E&O, Technology E&O Carrier Status Admitted, Non-admitted States Most States
Vanguard Specialty
Coverages E&O, Professional Liab Carrier Status Admitted, Non-admitted States Most States
Victor Insurance Managers LLC
Coverages Cyber Liab, E&O, Professional Liab Carrier Status Admitted, Non-admitted States All States
Real Estate Appraisers
Landy Insurance Agency
Coverages BOP, E&O, Professional Liab, Workers’ Comp Carrier Status Admitted States All States except AK, LA
Norman-Spencer Agency LLC
Coverages Cyber Liab, E&O Carrier Status Admitted States All States except AK, LA, WV
RealCare Insurance
Coverages E&O, Professional Liab Carrier Status Admitted, Non-admitted States All States except AK, LA, NY
Target Professional Programs
Coverages E&O, Professional Liab Carrier Status Non-admitted States All States
Vanguard Specialty
Coverages E&O, Professional Liab Carrier Status Admitted States Most States
Real Estate Developers/Homebuilders
Quaker Special Risk, a Jencap Company (Florida)
Coverages Blanket Addt’l Insureds, Blanket Waivers, Builders Risk, CGL, Commercial Excess, Contractors Equip, GL, Liability, Umbrella Carrier Non-admitted States Most States
Quaker Special Risk, a Jencap Company (Mass.)
Coverages Blanket Addt’l Insureds, Blanket Waivers, Builders Risk, CGL, Commercial Excess, Contractors Equip, GL, Liability, Umbrella Carrier Non-admitted States Most States
Quaker
JUNE 3, 2024 INSURANCE JOURNAL | NATIONAL | 53 INSURANCEJOURNAL.COM
Special Risk, a Jencap Company
Jersey) Coverages Blanket Addt’l Insureds, Blanket Waivers, Builders Risk, CGL, Commercial Excess, Contractors Equip, GL, Liability, Umbrella Carrier Non-admitted States Most States
(New
2024 Annual Program Directory, Summer Edition
REInsurePro
Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Completed Operations Liab, Contractors Equip, Contractors
License Bonds, Excess Liab, Inland Marine, Pollution Liab, Products Liab Carrier Status Admitted, Non-admitted States All States except NJ, NY
Southwest Risk
Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Umbrella Carrier Status Non-admitted States All States
Unitas Financial Services
Coverages Liability, Property, Rented Property, Residential Property Carrier Status Non-admitted
States All States except AK, HI, MI
US Assure
Coverages Builders Risk, Business Income, COC, Contractors Equip, Earthquake, Fire, Flood, Hail, High Valued Homes, Hurricane, Installation Floaters, Residential Property, Theft, Tools & Equip, Weather, Wind Carrier Status Admitted States All States
Recording Studios
Alive Risk
Coverages Accident & Health, Contingent Coverages, Event Cancellation, Excess Liab, GL, Hired & Non-owned Auto, Inland Marine, Liquor Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Records Storage & Info Mgmt
Risk Strategies, Transportation Group
Coverages Addt’l Expense, Auto Comm-Standard, Bailee/ Customer Goods, BOP, Business Income, Cargo, CGL, Crime, Cyber Liab, D&O, E&O, EPLI, Fidelity Bonds, Hired & Nonowned Auto, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States
Recycling
Centers
Amwins - 150+ Locations Worldwide
Coverages Auto Comm-Standard Liability, Auto CommStandard Phys Dmg, Environmental Liab, GL, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Apollo General Ins. Agency Inc.
Coverages Auto Comm-Standard, Blanket Addt’l Insureds, Blanket Waivers, CGL, Commercial Excess, Contractors Equip, Contractors License Bonds, Environmental Liab, Equipment, Fidelity Bonds, Inland Marine, Performance & Payment Bonds, Pollution, Tools & Equip, Transportation Pollution Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except AK, HI
Registered Investment Advisors
CalSurance Associates, a Div. of Brown & Brown Program Coverages E&O, Professional Liab Carrier Status Admitted States All States
Residential Care Centers
Gateway Specialty Insurance
Coverages Abuse & Molestation, Accident & Health, Auto Comm-Standard, Blanket Addt’l Insureds, CGL, Crime, Cyber Liab, D&O, Employee Benefits, EPLI, Equipment Breakdown, Foreign GL, Hired & Non-owned Auto, Professional Liab, Property Carrier Status Admitted, Non-admitted States All States
Nonprofits Insurance Alliance
Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, Business Income, Business Interruption, CGL, Community/Social Svcs, Developmental Disabilities, EPLI, Fiduciary Liab, Fire Legal Liab, Hired & Non-owned Auto, Inland Marine, Liquor Liab, Mechanical Breakdown, Misc Professional Liab, Nonprofit D&O, Sexual Misconduct, Umbrella, Uninsured Motorists Carrier Status Non-admitted States Most States
RPS Signature Programs
Coverages Abuse & Molestation, Auto Comm-Standard, Business Income, CGL, D&O, Employee Benefits, EPLI, Equipment Breakdown, Excess Liab, Hired & Non-owned Auto, Professional Liab, Property Carrier Status Admitted, Non-admitted States All States
Venture Insurance Programs
Coverages Auto Comm-Standard, Crime, Cyber Liab, D&O, GL, Inland Marine, Liquor Liab, Medical Malpractice, Professional Liab, Property, Real & Business Personal Prop, Sexual Misconduct, Umbrella Carrier Status Admitted States All States
Residential Subcontractors
Builders & Tradesmen’s Insurance Services Inc. (BTIS)
Coverages Auto Comm-Nonstandard, Auto Comm-Standard, Builders Risk, CGL, COC, Contractors Equip, Excess Liab, GL, Inland Marine, Property, Workers’ Comp
Carrier Status Admitted, Non-admitted States All States except AK, FL, HI, MD, NY, VT
IPC
Coverages CGL, Contractors Equip, Equipment Breakdown, GL, Property Carrier Status Non-admitted States AR, AZ, CA, IA, ID, KS, LA, MN, MO, MT, ND, NE, NM, NV, OK, OR, SD, TX, UT, WA, WY
Omaha National
Coverages Workers’ Comp Carrier Status Admitted States AZ, CA, CT, GA, IA, IL, NC, NE, NJ, NY, PA, SC
Quaker Special Risk, a Jencap Company (Florida)
Coverages CGL, Commercial Excess, GL, Liability, Umbrella Carrier Status Non-admitted States Most States
Quaker Special Risk, a Jencap Company (Mass.)
Coverages CGL, Commercial Excess, GL, Liability, Umbrella
Carrier Status Non-admitted States Most States
Quaker Special Risk, a Jencap Company (New Jersey)
Coverages CGL, Commercial Excess, GL, Liability, Umbrella Carrier Status Non-admitted States Most States
REInsurePro
Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Completed Operations Liab, Contractors Equip, Contractors License Bonds, Excess Liab, Inland Marine, Pollution Liab, Products Liab Carrier Status Admitted, Non-admitted States All States except NJ, NY
Southwest Risk
Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Umbrella Carrier Status Non-admitted States All States
US Assure
Coverages Builders Risk, COC, Contractors Equip, Installation Floaters, Theft Carrier Status Admitted States All States
Resorts
Amwins - 150+ Locations Worldwide
Coverages Auto Comm-Standard, Crime, Equipment Breakdown, GL, Inland Marine, Property, Workers’ Comp Carrier Status Admitted States All States
Distinguished Programs
Coverages Auto Comm-Standard, CGL, Cyber Liab, GL, Umbrella Carrier Status Admitted, Non-admitted States All States
K&K Insurance Group Inc.
Coverages Auto Comm-Standard, CGL, Crime, EPLI, Inland Marine, Liquor Liab, Property, Workers’ Comp Carrier Status Admitted States All States except FL
MexiPass International Insurance Services LLC
Coverages Int’l Coverage - Commercial, Int’l CoveragePersonal Carrier Status Admitted States All States
Philadelphia Insurance Companies
Coverages Commercial Auto, Boiler & Machinery, Business Income, Business Interruption, Care/Custody/Control, CGL, Crime, D&O, Earthquake, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, Flood, Garage Keepers Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Inland Marine, Liquor Liab, Participant Accident, Property, Real & Business Personal Prop, Sexual Misconduct, Tee-to-Green, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA
Restaurants
Bass Underwriters
Coverages Excess Liab, GL, Liquor Liab, Property Carrier Status Non-admitted States Most States
Berkley Luxury Group, a W.R. Berkley Company
Coverages CGL, Commercial Marine, Cyber Liab, GKLL, Hired & Non-owned Auto, Property, Umbrella Carrier Status
Admitted States AZ, CA, CO, CT, DC, GA, IL, MA, MD, MI, MN, MO, NC, NJ, NM, NV, NY, OH, OR, PA, SC, TN, VA, WI
Builders & Tradesmen’s Insurance Services Inc. (BTIS)
Coverages BOP, Liquor Liab, Workers’ Comp Carrier Admitted, Non-admitted States All States except AK
Business Alliance Insurance Company
Coverages BOP, Cyber Liab, EPLI, Equipment Breakdown, Liquor Liab Carrier Status Admitted States CA
CID Insurance Programs Inc.
Coverages Assault & Battery, GL, Liquor Liab, Personal Property, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States AZ, CA, CO, ID, MD, NE, NM, NV, OR, PA, TN, TX, UT, VA, WA
Distinguished Programs
Coverages CGL, Crime, Cyber Liab, EPLI, GL, Property, Umbrella Carrier Status Admitted States All States
Element22 Insurance Services
Coverages CGL, Fire, Liability, Liquor Liab, Property, Umbrella, Wind Carrier Status Admitted States All States
Flood Risk Solutions Inc.
Coverages Addt’l Living Expense, Builders Risk, Business Income, Business Interruption, Commercial Excess, Excess Flood, Flood, Personal Property Carrier Status Non-admitted States All States
Hull & Company
Coverages Assault & Battery, CGL, Property Carrier Status Non-admitted States All States except DC
KZ Insurance Brokerage LLC
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States except ND, OH, WA, WY
M.J. Hall & Company Insurance Brokers
Coverages Business Income, CGL, Crime, Employee Benefits, EPLI, Equipment Breakdown, Excess Liab, GKLL, Liquor Liab, Property Carrier Status Admitted, Non-admitted States AK, AZ, CA, CO, HI, ID, KS, MT, NE, NM, NV, OK, OR, SD, TX, UT, WA, WY
Markel
Coverages GL, Workers’ Comp Carrier Status Admitted States All States
MAXIMUM
Coverages Boiler & Machinery, Business Income, Business Interruption, Catastrophe, Earthquake, Equipment, Equipment Breakdown, Excess Flood, Flood, GL, Property, Umbrella Carrier Status Admitted, Non-admitted States All States except NE
McLeckie Insurance Group
Coverages Business Income, CGL, Crime, EPLI, Food Borne Illness, Liquor Liab, Property Carrier Status Non-admitted States All States
NEXT Insurance
Coverages BOP, Cyber Liab, EPLI, Food Borne Illness, GL, Liquor Liab, Workers' Comp Carrier Status Admitted States All States
Number One Insurance Agency
Coverages Excess Liab, Flood, GL, Liquor Liab, Property, Vacant Building Carrier Status Admitted States MA
Quirk & Company
Coverages CGL, Property Carrier Status Non-admitted States NM, OK, OR, TN, TX, WA
Roush Insurance Services Inc.
Coverages Assault & Battery, Blanket Addt’l Insureds, Boiler & Machinery, Business Income, Business Interruption, CGL, Commercial Excess, Crime, D&O, Equipment Breakdown, Excess Liab, Fire, Food Spoilage, GL, Inland Marine, Liability, Liquor Liab, Medical Payments, Products Liab, Property, Real & Business Personal Prop, Spoilage, Theft, Umbrella Carrier Status Non-admitted States IA, IL, IN, OH, WI
Specialty Insurance
Coverages Assault & Battery, Boiler & Machinery, Business Income, Business Interruption, CGL, Completed Operations Liab, Crime, Employee Benefits, Equipment Breakdown, Fire, Fire Legal Liab, Food Spoilage, Garage Liability, GKLL, GL, Glass, Hired & Non-owned Auto, Liability, Liquor Liab, Medical Payments, Property, Spoilage, Theft Carrier Status Admitted, Non-admitted States AZ, CA, CT, DE, FL, GA, IL, MA, MD, MI, MN, MO, NC, NJ, NY, OH, PA, RI, SC, TN, TX
StateFund First, a Div of Arthur J Gallagher Ins Brokers of CA
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States CA
Sun Coast General Insurance Agency
Coverages BOP, GL, Liquor Liab, Property Carrier Status Admitted, Non-admitted States CA
TAPCO Underwriters Inc.
Coverages GL, Liquor Liab, Property
Carrier Status Non-admitted States Most States
The McGowan Companies
Coverages Commercial Excess, Umbrella
Carrier Status Admitted States All States
UCA General Insurance Services Inc.
Coverages Business Income, CGL, Cyber Liab, EPLI, Equipment Breakdown, Fire Legal Liab, Hired & Non-owned Auto, Liquor Liab, Medical Payments, Property, Umbrella
Carrier Status Admitted States AZ, CA, ID, NV, OR, UT, WA
Retail Stores
Builders & Tradesmen’s Insurance Services Inc. (BTIS)
Coverages BOP, GL, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except AK
54 | INSURANCE JOURNAL | NATIONAL JUNE 3, 2024 INSURANCEJOURNAL.COM
Real Estate Developer/Homebuilder (continued)
Business Alliance Insurance Company
Coverages BOP, Cyber Liab, EPLI, Equipment Breakdown
Carrier Status Admitted States CA
Distinguished Programs
Coverages Builders Risk, CGL, GL, Umbrella, Vacant Building Carrier Status Admitted, Non-admitted States All States
Element22 Insurance Services
Coverages Boiler & Machinery, Builders Risk, Business Income, Business Interruption, Catastrophe, Equipment Breakdown, Fire, Flood, Hurricane, Property, Weather, Wind Carrier Status Non-admitted States All States
Flood Risk Solutions Inc.
Coverages Addt’l Living Expense, Builders Risk, Business Income, Business Interruption, Commercial Excess, Excess Flood, Flood, Personal Property Carrier Status Non-admitted States All States
Hinterland Insurance
Coverages CGL, Earthquake, GL, Property Carrier Status Non-admitted States All States except OK, TX
KZ Insurance Brokerage LLC
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States except ND, OH, WA, WY
Markel
Coverages GL, Workers’ Comp States All States
Meramec Secure Inc.
Coverages Product Extended Warranty, Service Contracts, Warranties, Extended Carrier Status Admitted States All States
Monarch E&S Insurance Services
Coverages CGL, Fire, Fire Legal Liab, GL, Liability, Liquor Liab, Medical Payments, Products Liab, Property Carrier Status Non-admitted States All States
NEXT Insurance
Coverages BOP, Excess Liab, GL, Umbrella, Workers' Comp Carrier Status Admitted States All States
Personal Safeguards Group LLC
Coverages Product Extended Warranty, Service Contracts, Warranties, Extended Carrier Status Admitted States All States
StateFund First, a Div of Arthur J Gallagher Ins Brokers of CA Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States CA
UCA General Insurance Services Inc.
Coverages Business Income, CGL, Cyber Liab, EPLI, Equipment Breakdown, Fire Legal Liab, Hired & Non-owned Auto, Medical Payments, Property, Umbrella Carrier Status Admitted States AZ, CA, ID, NV, OR, UT, WA
Roller Skating Rinks
K&K Insurance Group Inc.
Coverages Auto Comm-Standard, Boiler & Machinery, Business Income, CGL, Crime, EPLI, Inland Marine, Property, Workers’ Comp Carrier Status Admitted States All States
RV Dealerships
Arrowhead General Insurance Agency Inc.
Coverages Business Income, GL, Liability, Physical Damage, Property Carrier Status Admitted States Most States
K&K Insurance Group Inc.
Coverages Auto Comm-Standard, Boiler & Machinery, Business Income, CGL, Crime, Excess Liab, Garage Keepers Legal Liab, Garage Liability, Inland Marine, Property, Workers’ Comp Carrier Status Admitted States All States except FL
Ryan Specialty National Programs
Coverages Business Income, Crime, Cyber Liab, Dealers Open Lot, E&O, EPLI, Equipment Breakdown, Garage Keepers Legal Liab, Garage Liability, GL, Hired & Non-owned Auto, Identity Theft, Physical Damage, Property, Umbrella Carrier Status Non-admitted States Most States
RV Parks
K&K Insurance Group Inc.
Coverages Auto Comm-Standard, Boiler & Machinery, CGL, Crime, EPLI, Inland Marine, Liquor Liab, Property, Workers’ Comp Carrier Status Admitted States All States except FL
Philadelphia Insurance Companies
Coverages Commercial Auto, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, Employee Benefits, Equipment Breakdown, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Inland Marine, Professional Liab, Property, Real & Business Personal Prop, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA
Scaffold Erectors
2024 Annual Program Directory, Summer Edition
Ascinsure Specialty Risk
Coverages Auto Comm-Standard, Cyber Liab, GL, Inland Marine, Liability, Property, Umbrella, Workers’ Comp
Carrier Status Non-admitted States All States
School Bus Operations
KF&B Program Managers Insurance Services
Coverages Auto Comm-Standard, Hired & Non-owned Auto, Liability, Physical Damage, Uninsured Motorists
Carrier Status Admitted States All States except LA, MA, NJ
Philadelphia Insurance Companies
Coverages Abuse & Molestation, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, CGL, Crime, Employee Benefits, Hired & Non-owned Auto, Inland Marine, Property, Umbrella, Uninsured Motorists Carrier Status
Admitted States All States except FL, LA, MI, NV, NY
Prime Insurance Company
Coverages Abuse & Molestation, Assault & Battery, Auto Comm-Nonstandard, Auto Comm-Nonstandard Phys Dmg, Commercial Excess, Difference in Conditions, GL, Hired & Non-owned Auto, Motor Truck Cargo, Personal Liab, Professional Liab, Property, Rented Property
Carrier Status Non-admitted States All States
Wilkoff Bonds
Coverages Contractors License Bonds, Crime, Fidelity, Fidelity Bonds, Performance & Payment Bonds
Carrier Status Admitted States All States
Schools-Public/Private
AAU, A division of USG Insurance Services
Coverages Auto Comm-Standard Physical Damage, Builders Risk, Crime, Cyber Liab, D&O, Damage in Process, EPLI, Equipment Breakdown, Flood, Hired & Non-owned Auto, Inland Marine, Medical Payments, Motor Truck Cargo, Property, Sexual Misconduct, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
AllComp Solutions
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States
AMIS/Alliance Marketing & Insurance Services LLC
Coverages Auto Comm-Standard Liability, Auto CommStandard Phys Dmg, BOP, Liability, Property, Workers’ Comp States All States
Apex
Coverages Abuse & Molestation, Auto Comm-Standard, Commercial Excess, Crime, Educator Legal Liab, GL, Inland Marine, Police Professional Liab, Property, Workers’ Comp
Carrier Status Admitted, Non-admitted States All States except AK, DC, HI, WA
Care Providers Insurance Services
Coverages Abuse & Molestation, Auto Comm-Standard, Crime, D&O, EPLI, Excess Liab, GL, Inland Marine, Professional Liab, Property Carrier Status Admitted
States All States
Gray Specialty
Coverages WC - Buyback Policies, Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted
States Most States
Great American Ins. Group, Specialty Human Services
Coverages Abuse & Molestation, Auto Comm-Nonstandard, Blanket Addt’l Insureds, Business Income, CGL, Commercial Excess, Community/Social Svcs, Crime, Educator Legal Liab, Employee Benefits, Equipment Breakdown, Excess Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Inland Marine, Misc Professional Liab, Professional Liability, Umbrella Carrier Status Admitted States All States except HI, LA, OK
Greene & Associates
Coverages Commercial Excess, Umbrella Carrier Status Admitted, Non-admitted States All States except HI
Nonprofits Insurance Alliance
Coverages Abuse & Molestation, Auto Comm-Standard, Auto Comm-Standard Phys Dmg, Blanket Addt’l Insureds, Business Income, Business Interruption, CGL, Community/Social Svcs, Crime, Developmental Disabilities, EPLI, Fiduciary Liab, Fire Legal Liab, Hired & Non-owned Auto, Inland Marine, Mechanical Breakdown, Misc Professional Liab, Nonprofit D&O, Sexual Misconduct, Umbrella, Uninsured Motorists Carrier Status Non-admitted States Most States
Philadelphia Insurance Companies
Coverages Abuse & Molestation, Commercial Auto, Boiler & Machinery, CGL, Crime, D&O, Earthquake, Educator Legal Liab, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, Flood, GL, Hired & Nonowned Auto, Identity Theft, Property, Real & Business Personal Prop, Sexual Misconduct, Student Accident, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA
Professional Governmental Underwriters
Coverages D&O, E&O, Educator Legal Liab, EPLI
Carrier Status Admitted, Non-admitted States All States
RPS Signature Programs
Coverages Abuse & Molestation, Auto Comm-Standard, Cyber Liab, Earthquake, Educator Legal Liab, EPLI, Excess Liab, Flood, GL, Property States All States
Wright Specialty Insurance
Coverages Auto Comm-Standard Liability, Auto CommStandard Phys Dmg, Business Income, CGL, Cyber Liab, EPLI, Equipment, Excess Liab, Fire, Inland Marine, Property, Sexual Misconduct, Workers’ Comp Carrier Status Admitted States Most States
Scrap Dealers
Amwins - 150+ Locations Worldwide
Coverages Auto Comm-Standard, Environmental Liab, GL, Pollution, Pollution Liab, Umbrella Carrier Status Admitted, Non-admitted States All States except HI, LA, MA
Apollo General Ins. Agency Inc.
Coverages Auto Comm-Standard, Blanket Addt’l Insureds, Blanket Waivers, CGL, Environmental Liab, Equipment, Excess Liab, Fidelity Bonds, Inland Marine, Performance & Payment Bonds, Pollution, Tools & Equip, Transportation Pollution Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except AK, HI
Securities Brokers/Dealers
CalSurance Associates, a Div. of Brown & Brown Program Coverages E&O, Professional Liab Carrier Status Admitted States All States
Security Guard Firms
AMIS/Alliance Marketing & Insurance Services LLC
Coverages E&O, Liability Carrier Status Non-admitted States All States
Brownyard Group
Coverages Assault & Battery, Auto Comm-Standard, Blanket Addt’l Insureds, Business Interruption, Care/Custody/Control, CGL, Commercial Excess, Crime, E&O, Fidelity, GL, Inland Marine, Liability, Lost Key, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except NE
NeitClem Wholesale Insurance Brokerage Inc.
Coverages Assault & Battery, Equipment, GL, Liability, Professional Liab Carrier Status Admitted, Non-admitted States AZ, CA, NV, TX
Philadelphia Insurance Companies
Coverages Abuse & Molestation, Assault & Battery, Commercial Auto, Boiler & Machinery, Business Income, Care/Custody/Control, CGL, Crime, D&O, E&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Inland Marine, Legal Expense Ins, Personal Liab, Personal Property, Professional Liab, Property, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA
The Mechanic Group, Inc., A Division of Specialty Programs Group LLC
Coverages CGL, Commercial Excess, Contractors License Bonds, D&O, E&O, Liability, Umbrella, Workers’ Comp Carrier Status Non-admitted States All States
Self-Storage Facilities
Great American Insurance Group, Alternative Markets
Coverages Auto Comm-Standard, BOP, CGL, Inland Marine, Property, Umbrella, Workers' Comp Carrier Status Admitted, Non-admitted States All States
MiniCo Insurance Agency, a Jencap Company
Coverages Boiler & Machinery, BOP, Business Income, CGL, COC, Crime, Cyber Liab, Earthquake, Employee Benefits, EPLI, Fire, GL, Hired & Non-owned Auto, Legal Liab, Liability, Medical Payments, Personal Liab, Pollution, Products Liab, Property, Theft, Umbrella, Wind, Workers’ Comp
Carrier Status Admitted, Non-admitted States All States
Ryan Specialty National Programs
Coverages Business Income, Cyber Liab, EPLI, Excess Liab, GL, Pollution Liab, Property Carrier Status Non-admitted States All States
Universal Insurance Programs
Coverages Pollution, Pollution Liab Carrier Status Non-admitted
Service Stations
JUNE 3, 2024 INSURANCE JOURNAL | NATIONAL | 55 INSURANCEJOURNAL.COM
States
States
All
Insurance Company Coverages Garage Keepers Legal Liab, Garage Liability,
Carrier Status
States
Lancer
GKLL
Admitted, Non-admitted
CT, NJ, NY
2024 Annual Program Directory, Summer Edition
Ship Repairers/Marine Artisan
Contractor
Builders & Tradesmen’s Insurance Services Inc. (BTIS)
Coverages Excess Liab, GL Carrier Status Admitted States All States except AL, KS, LA, MS, TX, WI
LIG Marine Managers
Coverages Care/Custody/Control, CGL, Commercial Marine, Completed Operations Liab, Equipment, Excess Liab, Hull, Legal Liab, Products Liab, Protection & Indemnity (P&I), Ship Repairers Legal, Tools & Equip, Umbrella, USL&H, Workers’ Comp Carrier Status Admitted States All States
The American Equity Underwriters Inc.
Coverages MEL, USL&H, Workers’ Comp States All States
The Hanover Insurance Group
Coverages GL, Marina Operators Legal, Protection & Indemnity (P&I) Carrier Status Admitted States All States
Ship Yards
Hull & Company
Coverages Care/Custody/Control, Ship Repairers Legal Carrier Status Non-admitted States All States except DC
LIG Marine Managers
Coverages CGL, Completed Operations Liab, Equipment, Hail, Products Liab, Protection & Indemnity (P&I), Ship Repairers Legal, Umbrella, USL&H, Workers’ Comp Carrier Status Admitted States All States
The American Equity Underwriters Inc.
Coverages MEL, USL&H, Workers’ Comp States All States
Shooting Ranges
Joseph Chiarello & Co., Inc.; Firearms Business Ins.
Coverages CGL, Crime, Equipment Breakdown, Excess Liab, Firearms Liability, Liquor Liab, Medical Payments, Property, Umbrella Carrier Status Admitted States All States
Shopping Centers
Flood Risk Solutions Inc.
Coverages Addt’l Living Expense, Builders Risk, Business Income & Interruption, Excess Flood, Flood, Personal Property Carrier Status Non-admitted States All States
Hinterland Insurance
Coverages CGL, Earthquake, GL, Property Carrier Status Non-admitted States All States except OK, TX
Philadelphia Insurance Companies
Coverages Commercial Auto, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Earthquake, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, Flood, GL, Identity Theft, Inland Marine, Property, Real & Business Personal Prop, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA
Preferred Concepts LLC
Coverages CGL, Umbrella Carrier Status Admitted States All States
The McGowan Companies
Coverages Commercial Excess, Excess Liab, Umbrella Carrier Status Admitted States All States
UCA General Insurance Services Inc.
Coverages Business Income, CGL, Cyber Liab, EPLI, Equipment Breakdown, Fire Legal Liab, Hired & Non-owned Auto, Medical Payments, Property, Umbrella Carrier Status Admitted States AZ, CA, ID, NV, OR, UT, WA
Shuttle Service-Non Emergency Medical
JM Wilson
Coverages Auto Comm-Nonstandard, Auto CommNonstandard Phys Dmg, Auto Comm-Standard, Auto CommStandard Liability, Auto Comm-Standard Phys Dmg Carrier Status Admitted, Non-admitted States Most States
Prime Insurance Company
Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States All States
Shuttle Services
5Star Specialty Programs
Coverages Auto Comm-Nonstandard, Auto CommNonstandard Liability, Auto Comm-Nonstandard Phys Dmg, Commercial Auto, Excess Liab, GL, Workers’ Comp Carrier Status Admitted States All States
National Indemnity Company
Coverages Auto Comm-Nonstandard, Auto CommNonstandard Phys Dmg, Liability, Medical Payments, Uninsured Motorists Carrier Status Admitted, Non-admitted States All States except HI, MA, NJ, NY
Small to Mid-Sized Businesses
AMIS/Alliance Marketing & Insurance Services LLC
Coverages Auto Comm-Standard Liability, Auto CommStandard Phys Dmg, BOP, Liability, Property, Workers’ Comp Carrier Status Admitted States All States
Applied Underwriters Inc.
Coverages Auto Comm-Standard Liability, Auto CommStandard Phys Dmg, Compliance Mgmt, Cyber Liab, D&O, Int’l Coverage - Commercial, Pollution, Property, Warranties, Extended, Weather, Workers’ Comp Carrier Status Admitted States All States
Arrowhead General Insurance Agency Inc.
Coverages Auto Comm-Standard, BOP, Crime, Cyber Liab, E&O, EPLI, GL, Inland Marine, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States
Cowbell Cyber
Coverages Breach of Security, Business Income, Business Interruption, Cyber Liab States Most States
Euclid Life Science Specialty LLC
Coverages Commercial Excess, Completed Operations Liab, E&O, Excess Liab, GL, Liability, Products Liab, Professional Liab Carrier Status Non-admitted States All States
KZ Insurance Brokerage LLC
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States except ND, OH, WA, WY
Lancer Insurance Company
Coverages GL, Property Carrier Status Admitted States CT, NJ, NY, OH, PA
Markel
Coverages Blanket Addt’l Insureds, BOP, Business Income, Fire, Food Spoilage, Glass, Herbicide & Pesticide, Hired & Non-owned Auto, Liability, Liquor Liab, Property, Rented Property, Spoilage, WC - Master Policies/ASO, Wind, Workers’ Comp Carrier Status Admitted States All States except FL, LA, NY, RI
ProWriters
Coverages BOP, E&O, GL Carrier Status Admitted States Most States
Roush Insurance Services Inc.
Coverages Addt’l Expense, Boiler & Machinery, Builders Risk, Business Income, Business Interruption, CGL, Commercial Excess, Crime, Cyber Liab, D&O, E&O, EPLI, Equipment Breakdown, Excess Liab, Fine Arts, Fire, Food Spoilage, GL, Hired & Non-owned Auto, Liability, Liquor Liab, Misc Professional Liab, Nonprofit D&O, Pollution Liab, Products Liab, Property, Real & Business Personal Prop, Technology E&O Carrier Status Non-admitted States IA, IL, IN, OH, WI
RPS Technology & Cyber
Coverages Bailee/Customer Goods, BOP, Breach of Security, Care/Custody/Control, Commercial Excess, Crime, Cyber Liab, D&O, E&O, EPLI, Fidelity Bonds, Fiduciary Liab, Foreign GL, GL, Hired & Non-owned Auto, Identity Theft, Inland Marine, Liability, Media Liab, Misc Professional Liab, Products Liab, Professional Liab, Property, Umbrella Carrier Status Admitted States All States
Snowmobile Tours - Guided
K&K Insurance Group Inc.
Coverages Auto Comm-Standard, CGL, EPLI, Inland Marine, Property, Workers’ Comp Carrier Status Admitted States All States
Social Clubs
Distinguished Programs
Coverages Umbrella Carrier Status Admitted, Non-admitted States All States
Great American Ins. Group, Specialty Human Services
Coverages Abuse & Molestation, Auto Comm-Nonstandard, Blanket Addt’l Insureds, Business Income, CGL, Commercial Excess, Community/Social Svcs, Crime, Educator Legal Liab, Employee Benefits, Equipment Breakdown, Excess Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Inland Marine, Misc Professional Liab, Professional Liab, Umbrella Carrier Status Admitted States All States except HI, LA, OK
Venture Insurance Programs
Coverages Auto Comm-Standard, Crime, GL, Inland Marine, Liquor Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States
Social Service Agencies
Affinity Nonprofits
Coverages Abuse & Molestation, Abusive Acts, Accident & Health, Auto Comm-Standard, Business Interruption, CGL, Crime, Cyber Liab, D&O, E&O, EPLI, Event Cancellation, Excess Liab, Fine Arts, Inland Marine, Nonprofit D&O, Participant Accident, Professional Liab, Property, Sexual Misconduct Carrier Status Admitted States All States
AllComp Solutions
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States
Care Providers Insurance Services
Coverages Abuse & Molestation, Auto Comm-Standard, Business Interruption, Crime, D&O, Equipment Breakdown, GL, Hired & Non-owned Auto, Liability, Participant Accident, Professional Liab, Property, Theft, Umbrella Carrier Status Admitted States All States
Charity First Insurance Services Inc.
Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, Boiler & Machinery, Business Income, CGL, Crime, Cyber Liab, EPLI, Equipment Breakdown, Int’l Coverage - Commercial, Liquor Liab, Nonprofit D&O, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States
Gateway Specialty Insurance
Coverages Abuse & Molestation, EPLI, GL, Nonprofit D&O, Professional Liab, Property, Umbrella Carrier Status
Admitted, Non-admitted States All States except AK, HI, LA
Great American Ins. Group, Specialty Human Services
Coverages Abuse & Molestation, Auto Comm-Nonstandard, Blanket Addt’l Insureds, Business Income, CGL, Commercial Excess, Community/Social Svcs, Crime, Educator Legal Liab, Employee Benefits, Equipment Breakdown, Excess Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Inland Marine, Misc Professional Liab, Professional Liab, Umbrella Carrier Status Admitted States All States except HI, LA, OK
Indemnity Excess & Surplus Agency Inc.
Coverages Abuse & Molestation, CGL, D&O, EPLI, Professional Liab, Property Carrier Status Admitted
States AZ, CA, CO, ID, NV, OR, TX, WA
Irwin Siegel Agency (includes Youth Programs)
Coverages Abuse & Molestation, Accident & Health, Addiction Treatment, Commercial Auto, Boiler & Machinery, BOP, Business Income, CGL, Community/Social Svcs, Crime, Cyber Liab, D&O, Developmental Disabilities, EPLI, Excess Liab, GL, Inland Marine, Managed Care, Professional Liab, Property, Umbrella Carrier Admitted, Non-admitted States All States
MiniCo Insurance Agency, a Jencap Company
Coverages Abuse & Molestation, Addiction Treatment, Auto Comm-Standard, Boiler & Machinery, Business Income, Business Interruption, CGL, Community/Social Svcs, D&O, E&O, EPLI, Fiduciary Liab, Fire Legal Liab, GL, HNOA, Inland Marine, Liability, Medical & Physical Rehab, Medical Malpractice, Medical Payments, Products Liab, Professional Liab, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except HI, LA
Negley Associates
Coverages CGL, Professional Liab Carrier Status Non-admitted States All States
Nonprofits Insurance Alliance
Coverages Abuse & Molestation, Auto Comm-Standard, Auto Comm-Standard Phys Dmg, Business Income, Business Interruption, CGL, Crime, Developmental Disabilities, EPLI, Fiduciary Liab, Fire Legal Liab, Hired & Non-owned Auto, Inland Marine, Liquor Liab, Mechanical Breakdown, Misc Professional Liab, Nonprofit D&O, Umbrella, Uninsured Motorists Carrier Status Non-admitted States Most States
Philadelphia Insurance Companies
Coverages Abuse & Molestation, Commercial Auto, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Employee Benefits, EPLI, Fiduciary Liab, Fire Legal Liab, Food Spoilage, GL, Hired & Non-owned Auto, Identity Theft, Inland Marine, Participant Accident, Professional Liab, Property, Real & Business Personal Prop, Sexual Misconduct, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA
RPS Signature Programs
Coverages Abuse & Molestation, Auto Comm-Standard, CGL, Cyber Liab, Employee Benefits, EPLI, Excess Liab, Hired & Non-owned Auto, Nonprofit D&O, Professional Liab, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Union General Insurance Services Inc.
Coverages Abuse & Molestation, Abusive Acts, Addiction Treatment, Assault & Battery, Blanket Addt’l Insureds, BOP, CGL, Community/Social Svcs, Completed Operations Liab, Crime, Cyber Liab, D&O, EPLI, Excess Liab, Inland Marine, Nonprofit D&O, Professional Liab, Property, Religious Institutions, Umbrella Carrier Status Admitted, Non-admitted States AZ, CA, NM, NV, OR, TX, UT, WA
56 | INSURANCE JOURNAL | NATIONAL JUNE 3, 2024 INSURANCEJOURNAL.COM
Software Developers
Access E&S Insurance Services
Coverages Excess Liability, Professional Liability
Carrier Status Non-admitted States AR, DC, DE, GA, IL, MD, NC, NJ, NY, OH, PA, SC, TN, TX, VA
AMIS/Alliance Marketing & Insurance Services LLC
Coverages Auto Comm-Nonstandard Phys Dmg, Auto CommStandard, BOP, Liability, Property, Workers’ Comp Carrier Status Admitted States All States
RPS Technology & Cyber
Coverages BOP, Breach of Security, Business Income, Business Interruption, CGL, Combo Personal & Commercial, Completed Operations Liab, Crime, Cyber Liab, D&O, E&O, Employee Benefits, EPLI, Excess Liab, Fidelity, Fidelity Bonds, Fiduciary Liab, Hired & Non-owned Auto, Liability, Media Liab, Products Liab, Professional Liab, Property, Technology E&O, Umbrella Carrier Status Admitted States All States except DC
Solar Mfg. and/or Contractors
JM Wilson
Coverages Builders Risk, Business Income, Cargo, Crime, Cyber Liab, D&O, E&O, EPLI, Equipment Breakdown, Excess Liab, Flood, GL, Hired & Non-owned Auto, Inland Marine, Pollution Liab, Products Liab, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Non-admitted States All States except AK, HI, NY
Special Events
Alive Risk
Coverages Accident & Health, Contingent Coverages, Event Cancellation, Excess Liab, GL, Hired & Non-owned Auto, Inland Marine, Liquor Liab Carrier Status Admitted, Non-admitted States All States
Amwins - 150+ Locations Worldwide
Coverages Excess Liab, GL, Hired & Non-owned Auto, Liquor Liab, Umbrella Carrier Status Admitted, Non-admitted States All States
Ashley General Agency
Coverages GL, Trade Shows & Festivals
Carrier Status Non-admitted States TX
BUA LLC
Coverages CGL, Event Cancellation, Weather
Carrier Status Non-admitted States All States
DeCotis Specialty Insurance
Coverages GL, Liquor Liab Carrier Status Non-admitted States CT, DE, MA, MD, ME, NH, NJ, RI, VA, VT
Gateway Specialty Insurance
Coverages GL, Liquor Liab Carrier Status Admitted, Non-admitted States Most States
Indemnity Excess & Surplus Agency Inc.
Coverages CGL, Liquor Liab Carrier Status Non-admitted States AZ, CA, CO, HI, ID, MT, NV, OR, TX, WA
InsuranceHelper.com
Coverages Abuse & Molestation, Blanket Addt’l Insureds, Blanket Waivers, CGL, Completed Operations Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Liability, Liquor Liab, Medical Payments, Participant Accident, Personal Liab, Products Liab, Trade Shows & Festivals
Carrier Status Non-admitted States All States
NeitClem Wholesale Insurance Brokerage Inc.
Coverages GL, Property Carrier Status Admitted, Non-admitted States AZ, CA, NV, TX
Number One Insurance Agency
Coverages GL, Liquor Liab Carrier Status Admitted States MA
Philadelphia Insurance Companies
Coverages Business Interruption, CGL, Fire Legal Liab, GL, Inland Marine, Liquor Liab, Participant Accident, Real & Business Personal Prop Carrier Status Admitted States All States except LA
R.V. Nuccio & Associates
Coverages Accidental Death, Care/Custody/Control, CGL, Event Cancellation, GL, Hired & Non-owned Auto, Liability, Liquor Liab, Medical Payments, Trade Shows & Festivals, Weather Carrier Status Admitted States All States
TAPCO Underwriters Inc.
Coverages GL, Liquor Liab, Property
Carrier Status Non-admitted States Most States
2024 Annual Program Directory, Summer Edition
Substance Abuse Program Administrators
Addiction Treatment Providers Insurance Program
Coverages Abuse & Molestation, Auto Comm-Standard, Business Income, Cyber Liab, GL, Hired & Non-owned Auto, Liability, Medical Malpractice, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except NY
Philadelphia Insurance Companies
Coverages CGL, Property Carrier Status Admitted States All States except LA
Surgery Centers
Pro-Praxis Insurance
Coverages E&O, Professional Liab Carrier Status Admitted States All States
Quaker Special Risk, a Jencap Company (Florida)
Coverages CGL, Commercial Excess, GL, Liability, Professional Liab Carrier Status Non-admitted States Most States
Quaker Special Risk, a Jencap Company (Mass.)
Coverages CGL, Commercial Excess, GL, Liability, Professional Liab Carrier Status Non-admitted States Most States
RPS Healthcare
Coverages D&O, EPLI, Excess Liab, GL, Medical Professional, Professional Liab, Property States All States
Tanning Salons
Insurtec Tanning and Spa Insurance
Coverages Addt’l Expense, BOP, Business Income, CGL, Crime, EPLI, Equipment Breakdown, Fire Legal Liab, Hired & Non-owned Auto, Professional Liab, Property, Tanning Liab Carrier Status Non-admitted States All States
Professional Program Ins. Brokerage, a Div of SPG Ins. Coverages Abuse & Molestation, Blanket Addt’l Insureds, CGL, Commercial Excess, Cyber Liab, E&O, Equipment Breakdown, Excess Liab, GL, Inland Marine, Liability, Media Liab, Misc Professional Liab, Products Liab, Professional Liab, Property, Sexual Misconduct, Tanning Liab Carrier Status Non-admitted States All States
Sports & Fitness Insurance Corporation (SFIC) Coverages CGL, Property Carrier Status Non-admitted States All States
Universal Insurance Programs
Coverages Abuse & Molestation, Business Income, Business Interruption, CGL, Crime, E&O, Employee Benefits, EPLI, Equipment Breakdown, Excess Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Liability, Products Liab, Professional Liab, Property, Real & Business Personal Prop, Stop-Gap, Theft, Umbrella Carrier Status Admitted States All States
Tattoo Parlors/Permanent
Coverages CGL, Equipment Breakdown, GL, Property Carrier Status Non-admitted States AR, AZ, CA, CO, IA, ID, KS, LA, MN, MO, MT, ND, NE, NM, NV, OK, OR, SD, TX, UT, WA, WY
Marine Agency Corporation
Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, Business Interruption, CGL, GL, Hired & Non-owned Auto, Liability, Professional Liab, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except AK, HI
Professional Program Ins. Brokerage, a Div of SPG Ins. Coverages Abuse & Molestation, Blanket Addt’l Insureds, CGL, Cyber Liab, Equipment Breakdown, Excess Liab, Inland Marine, Liability, Media Liab, Products Liab, Professional Liab, Property, Sexual Misconduct, Teachers Liab Carrier Status Non-admitted States All States
REInsurePro
Coverages Abuse & Molestation, Assault & Battery, Business Income, Business Interruption, CGL, Completed Operations Liab, Dwelling Fire, E&O, Equipment Breakdown, Liability, Professional Liab, Property, Real & Business Personal Prop, Workers’ Comp States All States
Tax Preparers & Bookkeepers
Balance Partners - Maven
Coverages CGL, E&O, Excess Liab, Professional Liab
Carrier Status Non-admitted States All States
Builders & Tradesmen’s Insurance Services Inc. (BTIS)
Coverages E&O, GL, Workers’ Comp
Carrier Status Admitted States All States except AK
Draftrs Inc.
Coverages E&O, GL, Professional Liab
Carrier Status Admitted States All States
Landy Insurance Agency
Coverages BOP, Crime, Cyber Liab, E&O, EPLI, Professional Liab, Workers’ Comp Carrier Status Admitted States All States except AK, LA
Norman-Spencer International Inc.
Coverages E&O, Professional Liab Carrier Status Admitted States All States
Professional Underwriters Agency (PUA)
Coverages E&O, Professional Liab Carrier Status Admitted, Non-admitted States All States
Quirk & Company
Coverages Cyber Liab, GL, Professional Liab, Property Carrier Status Non-admitted States AL, AR, AZ, LA, MO, ND, NM, OK, TN, TX, WA, WY
R.V. Nuccio & Associates
Coverages E&O, Professional Liab Carrier Status Admitted States All States
Target Professional Programs
Coverages E&O, Professional Liab Carrier Status Admitted States All States except AK, HI, LA
Taxi Service
Prime Insurance Company
Coverages Abuse & Molestation, Assault & Battery, Auto Comm-Nonstandard, Auto Comm-Nonstandard Phys Dmg, Commercial Excess, Difference in Conditions, GL, Hired & Non-owned Auto, Motor Truck Cargo, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States All States
Temporary Medical Staffing
Pro-Praxis Insurance
Coverages E&O, Professional Liab Carrier Status Admitted States All States
RPS Healthcare
Coverages GL, Hired & Non-owned Auto, Medical Professional Carrier Status Admitted, Non-admitted States All States
Ryan Specialty National Programs
Coverages Abuse & Molestation, Blanket Addt’l Insureds, Blanket Waivers, Care/Custody/Control, Crime, Employee Benefits, EPLI, Excess Liab, GL, Hired & Non-owned Auto, Professional Liab, Property, Stop-Gap, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Staffing Lines
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States
World Wide Specialty, a Div of Philadelphia Ins. Co’s Coverages Abusive Acts, Auto Comm-Standard, Blanket Addt’l Insureds, Blanket Waivers, Care/Custody/Control, Crime, Cyber Liab, D&O, E&O, Employee Benefits, EPLI, Fidelity, Fidelity Bonds, GL, Hired & Non-owned Auto, Misc Professional Liab, Professional Liab, Property, Technology E&O, Umbrella, Workers’ Comp Carrier Status Admitted States All States
Temporary Staffing Firms
Cooper & McCloskey Inc.
Coverages CGL, Crime, E&O, EPLI Carrier Status Admitted, Non-admitted States AK, AZ, CA, CO, GA, HI, IL, NV, NY, OR, TN, TX, UT, WA
Philadelphia Insurance Companies
Coverages Commercial Auto, Boiler & Machinery, Business Income, Care/Custody/Control, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Legal Expense Ins, Personal Property, Professional Liab, Protection & Indemnity (P&I), Umbrella, Uninsured Motorists Carrier Admitted States All States except LA
RPS Signature Programs Coverages Crime, Cyber Liab, EPLI, GL, Hired & Non-owned Auto, Personal Liab, Property, Umbrella, Workers’ Comp States All States
JUNE 3, 2024 INSURANCE JOURNAL | NATIONAL | 57 INSURANCEJOURNAL.COM
Makeup/Body Piercing
IPC
2024 Annual Program Directory, Summer Edition
Temporary Staffing Firms (continued)
RPS Technology & Cyber
Coverages BOP, Breach of Security, Business Income, Business Interruption, CGL, Combo Personal & Commercial, Completed Operations Liab, Crime, Cyber Liab, D&O, E&O, Employee Benefits, EPLI, Excess Liab, Fidelity, Fidelity Bonds, Fiduciary Liab, Hired & Non-owned Auto, Liability, Media Liab, Products Liab, Professional Liab, Property, Technology E&O, Umbrella Carrier Status Admitted States All States except DC
Ryan Specialty National Programs
Coverages Abuse & Molestation, Blanket Addt’l Insureds, Blanket Waivers, Care/Custody/Control, Crime, Employee Benefits, EPLI, Excess Liab, GL, Hired & Non-owned Auto, Professional Liab, Property, Stop-Gap, Umbrella, Work Comp Carrier Status Admitted, Non-admitted States All States
Staffing Lines
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States
World Wide Specialty, a Div of Philadelphia Ins. Co’s Coverages Abusive Acts, Auto Comm-Standard, Blanket Addt’l Insureds, Blanket Waivers, Care/Custody/Control, Crime, Cyber Liab, D&O, E&O, Employee Benefits, EPLI, Fidelity, Fidelity Bonds, GL, HNOA, Misc Professional Liab, Professional Liab, Property, Technology E&O, Umbrella, Workers’ Comp Carrier Status Admitted States All States
Theatre Production Companies
Coverages Accident & Health, Accidental Death, Contingent Coverages, Event Cancellation, Excess Liab, GL, Hired & Non-owned Auto, Inland Marine, Liquor Liab, Workers’ Comp States All States
Great American Ins. Group, Specialty Human Services
Coverages Abuse & Molestation, Auto Comm-Nonstandard, Blanket Addt’l Insureds, Business Income, CGL, Commercial Excess, Community/Social Svcs, Crime, Educator Legal Liab, Employee Benefits, Equipment Breakdown, Excess Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Inland Marine, Professional Liability, Umbrella Carrier Status Admitted States All States except HI, LA, OK
E&O, Professional Liab
All States
E&O, Professional Liab
Status Non-admitted States All States
Bonds
Crime, Fidelity, Fidelity Bonds, Fiduciary Liab Carrier Status Admitted States All States
Specialty Programs
Coverages Auto Comm-Nonstandard, Auto CommNonstandard Liability, Auto Comm-Nonstandard Phys Dmg, Commercial Auto, Excess Liab, GL, Workers’ Comp
Status Admitted States All States
Omaha National
Coverages Workers’ Comp Carrier Status Admitted States AZ, CA, CT, GA, IA, IL, NC, NE, NJ, NY, PA, SC
Prime Insurance Company
Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Dealers Open Lot, Difference in Conditions, Garage Keepers Legal Liab, Garage Liability, GKLL, GL, On-Hook Cargo, Personal Liab, Professional Liab, Property, Rented Property, Wrongful Repo Carrier Status Non-admitted States All States
Trade Show Exhibitors
InsuranceHelper.com
Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Completed Operations Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Liability, Liquor Liab, Medical Payments, Personal Liab, Products Liab, Trade Shows & Festivals Carrier Status Non-admitted States All States
R.V. Nuccio & Associates
Coverages Accidental Death, Care/Custody/Control, CGL, Hired & Non-owned Auto, Liability, Medical Payments, Trade Shows & Festivals Carrier Status Admitted States All States
Translators & Interpreters
Draftrs Inc.
Coverages E&O, GL, Professional Liab
Carrier Status Admitted States All States
Professional Program Ins. Brokerage, a Div of SPG Ins.
Coverages CGL, Cyber Liab, Professional Liab Carrier Status Non-admitted States All States
Trap & Skeet Shooting Clubs
Joseph Chiarello & Co., Inc.; Firearms Business Insurance Coverages Auto Comm-Standard, Boiler & Machinery, Business Income, CGL, Equipment Breakdown, Firearms Liability, Liquor Liab, Property Carrier Status Admitted States All States
Travel Agents & Tour Operators
Draftrs Inc.
Coverages E&O, GL, Professional Liab
Carrier Status Admitted States All States
Mexico Insurance Online
Coverages Perconal Auto, Boats, Emergency Towing & Service, Homeowners Pkg, Int’l Coverage - Personal, Liability, Physical Damage, Watercraft Liab States All States
Professional Underwriters Agency (PUA)
Coverages E&O, Professional Liab Carrier Status Admitted, Non-admitted States All States
Travel Trailers
American Reliable
Coverages Personal Property, Physical Damage Carrier Status Admitted States All States except DC
Truck Dealers - Franchised
Ryan Specialty National Programs
Coverages Dealers Open Lot, E&O, Garage Liability, GL, Physical Damage, Property Carrier Status Non-admitted States Most States
Target Managers Insurance Services
Coverages EPLI, Workers’ Comp Carrier Status Admitted States AK, AL, AR, AZ, CA, CO, FL, GA, IL, IN, LA, MN, MS, NE, NJ, NM, NV, OK, OR, TN, TX, UT, WA, WI
Truckers/Trucking Firms
5Star Specialty Programs
Coverages Auto Comm-Standard Liability, Auto CommStandard Phys Dmg, Cargo, Non-Trucking Auto Liab, Occupational Accident, Physical Damage, Workers’ Comp Carrier Status Admitted States All States except AK, HI, MA
Applied Underwriters Inc.
Coverages Auto Comm-Standard Liability, Auto CommStandard Phys Dmg, Workers’ Comp Carrier Status Admitted States All States
Builders & Tradesmen’s Insurance Services Inc. (BTIS) Coverages GL, Workers’ Comp States All States except AK, DC, HI, NY
DeCotis Specialty Insurance
Coverages Blanket Addt’l Insureds, Cargo, GL, Motor Truck Cargo, Physical Damage Carrier Status Non-admitted States CT, DC, DE, MA, MD, ME, NH, NJ, PA, RI, VA, VT
Freberg Environmental Inc.
Coverages Auto Comm-Nonstandard, Auto CommNonstandard Phys Dmg, CGL, GL, Hired & Non-owned Auto, Pollution, Pollution Liab, Transportation Pollution Liab, Uninsured Motorists Carrier Status Admitted States All States except AK, FL, MA, NJ, NY
Futuristic Underwriters LLC
Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Cargo, CGL, GL, Inland Marine, Motor Truck Cargo, Non-Trucking Auto Liab, Truck Auto Liab Carrier Status Admitted, Non-admitted States All States
Interline Insurance Services
Coverages Auto Comm-Standard Phys Dmg, Cargo, Truck Auto Liab Carrier Status Admitted States AZ, CA, NV, OR, WA
International Transportation & Marine Agency Inc.
Coverages Cargo, GL, Physical Damage
Carrier Status Admitted, Non-admitted States All States
JM Wilson
Coverages Cargo, Excess Liab, GL, Hired & Non-owned Auto, Inland Marine, Long Haul, Physical Damage, Pollution Liab, Umbrella Carrier Status Admitted States Most States
Lancer Insurance Company
Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg Carrier Status Admitted States CT, NJ, NY, PA
Legacy Employer Concepts LLC
Coverages EPLI, WC - Master Policies/ASO, Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States
MacAfee & Edwards Inc. - Mexican Insurance Specialist
Coverages Foreign GL, Int’l Coverage - Commercial, Int’l Coverage - Personal Carrier Status Admitted, Non-admitted States All States
MAXIMUM
Coverages Auto Comm-Nonstandard, Auto CommNonstandard Phys Dmg, Cargo, Contractors Equip, Dealers Open Lot, GL, Hired & Non-owned Auto, Non-Trucking Auto Liab, Physical Damage, Transportation Pollution Liab, Truck Auto Liab, Umbrella Carrier Status Non-admitted States All States
58 | INSURANCE JOURNAL | NATIONAL JUNE 3, 2024 INSURANCEJOURNAL.COM
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DC, FL, LA, TX KBK Insurance Group Inc. Coverages Auto Comm-Standard Liability, Auto CommStandard Phys Dmg, Garage Keepers Legal Liab, GL, On-Hook Cargo, Property, Umbrella Carrier Status Admitted States All States except AK, HI, MA, NY Lancer Insurance Company Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg Carrier Status Admitted States CT, NJ, NY, PA National Indemnity Company Coverages Auto Comm-Nonstandard, Auto CommNonstandard Phys Dmg, Garage Keepers Legal Liab, Medical Payments, Motor Truck Cargo, Uninsured Motorists Carrier Status Admitted, Non-admitted States All States except HI, MA, NJ, NY
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Auto Comm-Standard, Liability
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Workers’ Comp, Workers’ Comp Plus (Alternative)
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Coverages Int’l Coverage - Commercial, Int’l CoveragePersonal States All States
Midwestern Insurance Alliance LLC
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States except ND, OH, WA, WY
Mover’s Choice Insurance
Coverages Cargo, CGL, Property, Truck Auto Liab Carrier Status Admitted States All States
PEO Brokers Group
Coverages WC - Master Policies/ASO, Workers’ Comp, Workers’ Comp Plus (Alternative) States All States
RPS Signature Programs
Coverages Auto Comm-Standard Liability, Auto CommStandard Phys Dmg, Motor Truck Cargo States All States
Shelly, Middlebrooks & O’Leary Inc.
Coverages Auto Comm-Nonstandard, Auto CommNonstandard Liability, Auto Comm-Nonstandard Phys Dmg, Commercial Auto, Business Income, Business Interruption, Care/Custody/Control, Cargo, CGL, Commercial Excess, Container Refrigeration Break, Contingent Coverages, Crime, Cyber Liab, D&O, E&O, EPLI, Excess Auto, Excess Liab, GL, Inland Marine, Long Haul, Motor Truck Cargo, Non-Trucking Auto Liab, On-Hook Cargo, Physical Damage, Professional Liab, Transportation Pollution Liab, Truck Auto Liab, Truck Broker Carrier Status Admitted, Non-admitted States FL, GA, NC, SC, TX
South & Western General Agency Inc.
Coverages Auto Comm-Standard Liability, Auto Comm-
Standard Phys Dmg, Cargo, GL, Long Haul
Carrier Status Admitted, Non-admitted States AR, MS, OK, TN, TX
StateFund First, a Div of Arthur J Gallagher Ins Brokers of CA
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States CA
Truckers Insurance Associates
Coverages Auto Comm-Nonstandard Liability, Auto CommStandard Liability, Cargo, Excess Liab, GL, Physical Damage, Umbrella, Workers' Comp Carrier Status Admitted States Most States
Union General Insurance Services Inc.
Coverages Blanket Addt’l Insureds, Cargo, CGL, GL, Long Haul, Truck Auto Liab, Uninsured Motorists Carrier Status Admitted, Non-admitted States AZ, CA, NM, NV, OR, TX, UT, WA
Used Car Dealers
AAU, A division of USG Insurance Services
Coverages Auto Comm-Standard Phys Dmg, CGL, Dealers
Open Lot, Garage Keepers Legal Liab, Garage Liability, GKLL, Motor Truck Cargo, Umbrella
Carrier Status Admitted, Non-admitted States All States
Amwins - 150+ Locations Worldwide
Coverages Crime, Cyber Liab, Dealers Open Lot, Garage Liability, Pollution, Property States All States except MA, NY
DMI Insurance Services
Coverages Dealers Open Lot, E&O, Garage Keepers Legal Liab, Garage Liability, Physical Damage, Property, Uninsured Motorists Carrier Status Admitted States Most States
KBK Insurance Group Inc.
Coverages Dealers Open Lot, Garage Keepers Legal Liab, Garage Liability, On-Hook Cargo, Property, Umbrella Carrier Status Admitted States All States except AK, HI, MA, NY
M.J. Hall & Company Insurance Brokers
Coverages Business Interruption, Commercial Excess, Dealers Open Lot, Excess Liab, Fire, Garage Liability, GKLL, Medical Payments, Property, Real & Business Personal Prop Carrier Status Non-admitted States AK, AZ, CA, CO, ID, KS, MT, NE, NM, NV, OK, OR, SD, TX, UT, WA, WY
National Indemnity Company
Coverages Dealers Open Lot, Garage Keepers Legal Liab, Garage Liability, GKLL, Medical Payments, Uninsured Motorists Carrier Status Admitted, Non-admitted States All States except HI, MA, NJ, NY
Union General Insurance Services Inc.
Coverages CGL, E&O, Garage Keepers Legal Liab, Garage Liability, GKLL, GL, Products Liab, Professional Liab, Property, Uninsured Motorists Carrier Status Non-admitted States AZ, CA, NM, OR, TX, UT
2024 Annual Program Directory, Summer Edition
Utilities-Natural Gas Companies
Amwins - 150+ Locations Worldwide
Coverages Auto Comm-Standard, Boiler & Machinery, GL, Inland Marine, Property, Public Officials, Railroad Protective Liab, Umbrella Carrier Status Admitted States All States
Valet Parking Companies
McLeckie Insurance Group
Coverages Garage Keepers Legal Liab, Legal Liab Carrier Status Non-admitted States All States
Shelly, Middlebrooks & O’Leary Inc.
Coverages Business Income, Business Interruption, Crime, EPLI, Excess Auto, Excess Liab, Garage Keepers Legal Liab, Garage Liability, GKLL, GL Carrier Status Non-admitted States FL, GA, TX
Vendor Management Services
Proctor Loan Protector
Coverages Blanket Forced Placed, E&O, Excess Flood, Flood, Force Place Fire Cvrg, Foreclosed Properties, High Valued Homes, Mobile Home Ins, Mortgage Impairment, Mortgage REO Cvrg, Rented Property, Residential Property Carrier Status Non-admitted States All States
World Wide Specialty, a Div of Philadelphia Ins. Co’s
Coverages Abusive Acts, Auto Comm-Standard, Blanket Addt’l Insureds, Blanket Waivers, Care/Custody/Control, Crime, Cyber Liab, D&O, E&O, Employee Benefits, EPLI, Fidelity, Fidelity Bonds, GL, Hired & Non-owned Auto, Misc Professional Liab, Professional Liab, Property, Technology E&O, Umbrella, Workers’ Comp Carrier Status Admitted States All States
Veterinarians
Markel
Coverages GL, Workers’ Comp Carrier Status Admitted States All States
Vineyards
Agricultural Insurance Mgmt Services
Coverages CGL, Products Liab, Property
Carrier Status Admitted States Most States
XPT Specialty
Coverages CGL, Herbicide & Pesticide, High Valued Homes, Inland Marine, Personal Liab, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States
Vitamin/Health Food Suppliers
CRC Insurance Services
Coverages CGL, EPLI, Products Liability Carrier Status Non-admitted States All States
Euclid Life Science Specialty LLC
Coverages Commercial Excess, Completed Operations Liab, E&O, Excess Liab, GL, Liability, Products Liab, Professional Liab Carrier Status Non-admitted States All States
Great American Insurance Group, Alternative Markets
Coverages Auto Comm-Standard, BOP, CGL, Inland Marine, Property, Umbrella, Workers' Comp Carrier Status Admitted, Non-admitted States All States
NeitClem Wholesale Insurance Brokerage Inc.
Coverages Completed Operations Liab, Foreign GL, GL, Liability, Product Extended Warranty, Products Liab Carrier Status Admitted, Non-admitted States AZ, CA, NV, TX
Quaker Special Risk, a Jencap Company (Mass.)
Coverages CGL, Commercial Excess, GL, Liability, Products Liab Carrier Status Non-admitted States Most States
Quaker Special Risk, a Jencap Company (New Jersey)
Coverages CGL, Commercial Excess, GL, Liability, Products
Liab Carrier Status Non-admitted States Most States
Warehouse Operators
Element22 Insurance Services
Coverages Business Income, Business Interruption, Excess
Flood, Flood, Hail, Hurricane, Property, Weather, Wind
Carrier Status Non-admitted States AL, FL, GA, LA, MS, NC, SC, TX, VA
Gorst & Compass Insurance
Coverages BOP, Business Income
Carrier Status Non-admitted States CA
Waste Haulers
Amwins - 150+ Locations Worldwide
Coverages Auto Comm-Standard, Environmental Liab, GL, Pollution, Umbrella States All States except DC, HI, MD, NJ, VA
Beacon Hill Associates
Coverages CGL, E&O, Environmental Liab, Pollution, Pollution Liab, Transportation Pollution Liab, Workers’ Comp States All States
Jencap Specialty Insurance Services (Environmental) Coverages Auto Comm-Standard, GL, Pollution, Pollution Liab, Workers’ Comp Carrier Status Non-admitted States All States
Omaha National Coverages Workers’ Comp Carrier Status Admitted States AZ, CA, CT, GA, IA, IL, NC, NE, NJ, NY, PA, SC
Water Parks
Alive Risk
Coverages Accident & Health, Excess Liab, GL, Hired & Non-owned Auto, Inland Marine, Liquor Liab, Property Carrier Status Non-admitted States All States
Water Well Drilling Operation Co’s
Amwins - 150+ Locations Worldwide
Coverages Auto Comm-Standard, GL, Inland Marine, Property, Umbrella Carrier Status Admitted States All States except AR, CO, LA, OR, SC
Western Surplus Lines Agency Inc.
Coverages CGL, Control of Well, Inland Marine Carrier Status Non-admitted States LA, ND, NM, OK, TX
Water/Wastewater Facilities
Apex
Coverages Auto Comm-Standard, Auto Comm-Standard Phys Dmg, Boiler & Machinery, CGL, Commercial Excess, Contractors Equip, Crime, EPLI, Equipment Breakdown, Inland Marine, Property, Public Officials, Workers’ Comp Carrier Status Admitted States All States
Beacon Hill Associates
Coverages CGL, E&O, Environmental Liab, Pollution, Pollution Liab, Transportation Pollution Liab, Workers’ Comp States All States
Freberg Environmental Inc.
Coverages CGL, Environmental Liab, Excess Liab, GL, Pollution, Pollution Liab, Transportation Pollution Liab Carrier Status Non-admitted States All States
Grundy Insurance
Coverages Auto Comm-Standard, CGL, Crime, D&O, E&O, EPLI, Equipment Breakdown, Excess Liab, Property, Public Officials Carrier Status Admitted States All States except DC, HI
Jencap Specialty Insurance Services (Environmental)
Coverages Pollution, Pollution Liab Carrier Status Non-admitted States All States
Philadelphia Insurance Companies
Coverages Auto Comm-Standard, CGL, EPLI, Property, Public Officials Carrier Status Admitted States All States except LA
US Assure
Coverages Builders Risk, COC, Earthquake, Fire, Flood, Hail, Hurricane, Installation Floaters, Theft, Weather, Wind Carrier Status Admitted States All States
Weddings
InsuranceHelper.com
Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Completed Operations Liab, Event Cancellation, Fire Legal Liab, GL, Hired & Non-owned Auto, Liability, Liquor Liab, Medical Payments, Personal Liab, Physical Damage Rental Units, Products Liab, Trade Shows & Festivals, Weather Carrier Status Non-admitted States All States
K&K Insurance Group Inc.
Coverages CGL, Inland Marine Carrier Status Admitted States All States
Markel Personal Lines
Coverages Event Cancellation, Liability, Property
Carrier Status Admitted States All States
Philadelphia Insurance Companies
Coverages CGL, Property Carrier Status Admitted States All States except LA
R.V. Nuccio & Associates
Coverages Addt’l Expense, Event Cancellation, GL, Liability, Liquor Liab, Medical Payments, Rented Property, Weather Carrier Status Admitted States All States
JUNE 3, 2024 INSURANCE JOURNAL | NATIONAL | 59 INSURANCEJOURNAL.COM
International Insurance Services
LLC
2024 Annual Program Directory, Summer Edition
Wildlife Control
Brownyard Group
Coverages Auto Comm-Standard, Blanket Addt’l Insureds, Blanket Waivers, Care/Custody/Control, CGL, Commercial Excess, Completed Operations Liab, Crime, E&O, Environmental Liab, Equipment Breakdown, Fidelity, Fire Legal Liab, GL, Herbicide & Pesticide, Inland Marine, Liability, Lost Key, Medical Payments, Pollution Liab, Products Liab, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Admitted, Non-admitted States All States except LA
Wineries
Great American Insurance Group, Alternative Markets
Coverages Auto Comm-Standard, BOP, CGL, Inland Marine, Property, Umbrella, Workers' Comp Carrier Status Admitted, Non-admitted States All States
Signature Specialty, LP
Coverages GL, Inland Marine, Liquor Liab, Products Liab, Property Carrier Status Non-admitted States All States
Wood Workers
Continental Underwriters Inc.
Coverages BOP, Builders Risk, Business Income, Business Interruption, Combo Personal & Commercial, Commercial Excess, Commercial Marine, Contractors Equip, Crime, Equipment Breakdown, Excess Liab, Flood, GL, Inland Marine, Int’l Coverage - Commercial, Int’l CoveragePersonal, Personal Liab, Property, Stop-Gap, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Midwestern Insurance Alliance LLC
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States AL, AR, AZ, CO, GA, IA, IL, KS, KY, MO, NC, NE, NM, NV, PA, SC, TN, TX, UT, VA
Omaha National
Coverages Workers’ Comp Carrier Status Admitted States AZ, CA, CT, GA, IA, IL, NC, NE, NJ, NY, PA, SC
Wrecking Contractors
Apollo General Ins. Agency Inc.
Coverages Auto Comm-Standard, Blanket Addt’l Insureds, Blanket Waivers, CGL, Contractors Equip, Employee Benefits, Environmental Liab, EPLI, Equipment, Excess Liab, Fidelity, Fidelity Bonds, Inland Marine, Performance & Payment Bonds, Pollution, Property, Railroad Protective Liab, Real & Business Personal Prop, Stop-Gap, Tools & Equip, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
WINS RISK Solutions Inc
Coverages Auto Comm-Standard, Excess Liability Carrier Status Admitted, Non-admitted States GA, NC, NJ, NY, PA, SC
Yacht Clubs
Markel Personal Lines
Coverages Boats, Commercial Marine, Hull, Pollution Liab, Watercraft Liab Carrier Status Admitted States All States
The Hanover Insurance Group
Coverages Auto Comm-Standard, CGL, Crime, D&O, Environmental Liab, EPLI, Equipment, Fine Arts, GKLL, GL, Hull, Legal Liab, Marina Operators Legal, Physical Damage, Piers & Docks, Pollution Liab, Products Liab, Property, Protection & Indemnity (P&I), Watersports Liab, Workers’ Comp Carrier Status Admitted States All States
Yachts/Mega Yachts
Bass Underwriters
Coverages Hull, Protection & Indemnity (P&I)
Carrier Status Admitted, Non-admitted States Most States
Markel Personal Lines
Coverages Hull, Liability, Medical Payments, Pollution Liab, Uninsured Boaters, Watercraft Liab Carrier Status Admitted States All States
Quaker Special Risk, a Jencap Company (Florida)
Coverages Hull, Watercraft Liab
Carrier Status Non-admitted States All States
Quaker Special Risk, a Jencap Company (New Jersey)
Coverages Hull, Protection & Indemnity (P&I), USL&H Carrier Status Non-admitted States Most States
Sun Coast General Insurance Agency
Coverages Boats, Commercial Marine, Hull, Liability, Piers & Docks, Ship Repairers Legal, Uninsured Boaters, Watercraft Liab, Wet Marine Carrier Status Admitted, Non-admitted States AK, AZ, CA, FL, NV, OR, UT, WA
Youth Sports Associations
Affinity Nonprofits
Coverages D&O, EPLI, Fiduciary Liab, Nonprofit D&O
Carrier Status Admitted States All States
Alive Risk
Coverages Accident & Health, Excess Liab, GL, Inland Marine, Prize Indemnification Carrier Status Admitted, Non-admitted States All States
Builders & Tradesmen’s Insurance Services Inc. (BTIS)
Coverages E&O, GL Carrier Status Admitted
States All States except AK
Gateway Specialty Insurance
Coverages Abuse & Molestation, EPLI, GL, Nonprofit D&O, Professional Liab, Property, Umbrella
Carrier Status Admitted, Non-admitted
States All States except AK, HI, LA
InsuranceHelper.com
Coverages Abuse & Molestation, Blanket Addt’l Insureds, Blanket Waivers, CGL, Completed Operations Liab, GL, Hired & Non-owned Auto, Liability, Liquor Liab, Medical Payments, Participant Accident, Personal Liab, Products Liab, Sexual Misconduct, Trade Shows & Festivals
Carrier Status Non-admitted States All States
Philadelphia Insurance Companies
Coverages Abuse & Molestation, Commercial Auto, Boiler & Machinery, CGL, D&O, Employee Benefits, EPLI, Fiduciary Liab, Fire Legal Liab, GL, Identity Theft, Inland Marine, Participant Accident, Property, Real & Business Personal Prop, Sexual Misconduct, Umbrella, Uninsured Motorists
Carrier Status Admitted States All States except LA
RPS Signature Programs
Coverages Abuse & Molestation, Blanket Addt’l Insureds, Crime, D&O, EPLI, Equipment, Excess Liab, GL, Hired & Nonowned Auto, Property, Student Accident States All States
Sports & Fitness Insurance Corporation (SFIC)
Coverages Accident & Health, Accidental Death, Flood, GL, Medical, Property Carrier Status Admitted States All States
Sports & Wellness Insurance
Coverages Abuse & Molestation, Accident & Health, Crime, Cyber Liab, D&O, GL, Hired & Non-owned Auto, Inland Marine, Property, Umbrella Carrier Status Admitted, Non-admitted States All States
The McGowan Companies
Coverages Event Cancellation, Liability Carrier Status Admitted States All States
60 | INSURANCE JOURNAL | NATIONAL JUNE 3, 2024 INSURANCEJOURNAL.COM
2024 Annual Program Directory, Summer Edition
5Star Specialty Programs
See Website for Addresses
Headquarters - Melbourne, FL 32935
Phone: (877) 247-9772, Fax: (321) 757-6147 marketing@5starsp.com www.5starsp.com
AAU, A division of USG Insurance Services
1000 Town Center Way, Ste. 300 Canonsburg, PA 15317
Phone: (724) 754-9078, Fax: (724) 265-5751 lesselstyn@aauins.com www.aauins.com
ABC Aviation Program
906 South Kirkwood Road, St. Louis, MO 63122
Phone: (314) 471-0777
stephanie_likins@theabcprogram.com www.crcprograms.com/abcprogram.html
Access E&S Insurance Services
2001 N. Lincoln St., Arlington, VA 22207
Phone: (703) 248-2566, Fax: (703) 248-2565 Tim@Access-ES.com www.Access-ES.com
Addiction Treatment Providers Insurance
Program
555 E. North Lane, Ste. 6060 Conshohocken, PA 19428
Phone: (610) 808-9556 nsmmarketing@nsminc.com atpinsure.com
Affinity Nonprofits
2001 K Street, NW, Ste. 625 North Washington, DC 20006
Phone: (800) 432-7465, Fax: (800) 701-1982 info@affinitynonprofits.com www.affinitynonprofits.com
Affinity Nonprofits specializes in developing, marketing, and underwriting customized insurance for nonprofit organizations. Insurance solutions include D&O Liability, Property and Casualty Insurance, event cancellation insurance and a volunteer accident program.
Agricultural Insurance Mgmt Svcs. 1496 Route 3A, Ste. 10, Bow, NH 03278
Phone: (877) 552-2467, Fax: (603) 225-9318 jlp@aimscentral.com www.aimscentral.com
Alive Risk
81 S. 9th St., Ste. 400, Minneapolis, MN 55402
Phone: (612) 284-4264
Contact@aliverisk.com aliverisk.com
AllComp Solutions
555 E. North Lane, Ste. 6060 Conshohocken, PA 19428
Phone: (610) 808-9586, Fax: (610) 941-9889 nsmmarketing@nsminc.com allcompsolutions.com
Amalgamated Insurance Underwriters
1 Paragon Dr., Ste. 265, Montvale, NJ 07645
Phone: (845) 426-0400
hello@aiu-usa.com aiu-usa.com
For more info, see our ad on page 19 (National).
American Collectors Insurance, Inc. 951 Haddonfield Rd., Ste. 2A, Cherry Hill, NJ 08002
Phone: (888) 314-6647, Fax: (856) 755-7440 info@americancollectors.com americancollectors.com
American Management Corporation
1109 Oak Street, Conway, AR 72032
Phone: (855) 458-2835, Fax: (501) 932-3135 submissions@amcins.com www.amcinsurance.com
American Reliable
10591 Lincoln Highway, Everett, PA 15537
Phone: (402) 378-0007 jheidenthal@americanreliable.com www.americanreliable.com
AMIS/Alliance Marketing & Insurance Services,
LLC
PO Box 567, San Marcos, CA 92079
Phone: (760) 471-7116, Fax: (760) 471-9378 snowell@amiscorp.com www.amisinsurance.com
Amwins - 150+ Locations Worldwide
See Website for Locations Headquarters - Charlotte, NC 28210
Phone: (704) 749-2700, Fax: (704) 943-9000 marketing@amwins.com www.amwins.com
Anderson & Murison, Inc.
800 W. Colorado Blvd., Los Angeles, CA 90041
Phone: (323) 255-2333, Fax: (323) 255-0957 dena.martin@monarchexcess.com www.andersonmurison.com
Apex 18545 Sigma Road, San Antonio, TX 78258
Phone: (210) 887-1064 hughes@apexinsurance.com www.apexinsurance.com
Apollo General Ins. Agency, Inc. PO Box 1508, Sonoma, CA 95476
Phone: (800) 624-5829, Fax: (707) 996-7912 victoriam@apgen.com www.apgen.com
Applied Underwriters, Inc.
10805 Old Mill Road, Omaha, NE 68154
Phone: (877) 234-4450, Fax: (877) 234-4452 sales@auw.com www.deliveringmore.auw.com
For more infotmation, check out our ads on the Back Cover and pages 2 & 3 (National).
Arrowhead General Insurance Agency, Inc.
701 B St., Ste. 2100, San Diego, CA 92101
Phone: (800) 669-1889, Fax: (619) 881-8695 MarketingInfo@ArrowheadGrp.com www.ArrowheadGrp.com
•
Ascinsure Specialty Risk
4 Gateway Ctr, 444 Liberty Ave, Ste. 400 Pittsburgh, PA 15222
Phone: (877) 372-0517, Fax: (888) 316-9016 Rikki_Concannon@rpsins.com www.ascinsure.com
Ascinsure can write your hard-to-place risks in these niche areas: Cranes- Exclusive Program; Equipment Rental & Party Goods Dealers- Exclusive Program; Scaffolding- Exclusive Program; Inland Marine. Complete coverage options, knowledgeable staff, and competitive commissions.
Ashley General Agency
2040 N. Loop 336 W, Ste. 200, Conroe, TX 77304 Phone: (936) 441-5959, Fax: (936) 521-5922 hnelson@ashleyga.com www.ashleyga.com
Balance Partners - Maven
PO Box 2550, Huntington, NY 11750 Phone: (512) 923-6278 cjacobs@balanceuw.com www.balanceuw.com/maven
Bass Underwriters
6951 W. Sunrise Blvd., Plantation, FL 33313 Phone: (954) 473-4488, Fax: (954) 317-3100
marketing@bassuw.com www.bassuw.com
Solutions with Service that Matters. Driven by relationships, at Bass, agents are our priority. “How can we serve you?” is our attitude. We have grown from a vision that our general agents should receive quality relationships along with timely and courteous service.
Beacon Hill Associates PO Box 1532, Charlottesville, VA 22902
Phone: (800) 596-2156, Fax: (434) 979-8964 info@b-h-a.com b-h-a.com
Berkley Luxury Group, a W.R. Berkley Company
301 Route 17 N, Ste. 900, Rutherford, NJ 07070 Phone: (800) 504-7012 mail@berkleyluxurygroup.com www.berkleyluxurygroup.com
Berkley Select | a Berkley Company
550 W. Jackson Blvd., Ste. 500, Chicago, IL 60661 Phone: (312) 800-6200, Fax: (312) 207-1839
info@berkleyselect.com www.berkleyselect.com
Brownyard Group
21 Maple Ave., Bay Shore, NY 11706 Phone: (800) 645-5820, Fax: (631) 666-5723
info@brownyard.com www.brownyard.com
Alphabetical Directory
JUNE 3, 2024 NATIONAL | INSURANCE JOURNAL | 61 INSURANCEJOURNAL.COM
–
of Markets
2024 Annual Program Directory, Summer Edition – Alphabetical Directory of Markets
BUA, LLC
22 Deer St., Ste. 400 Portsmouth, NH 03801
Phone: (603) 772-5005
msamperi@buainsurance.com www.buainsurance.com
Builders & Tradesmen’s Insurance Services, Inc. (BTIS)
6610 Sierra College Blvd., Rocklin, CA 95677
Phone: (877) 649-6682, Fax: (916) 772-9292 info@btisinc.com www.btisinc.com
Business Alliance Insurance Company
400 Oyster Point Blvd., Ste. 327 South San Francisco, CA 94080
Phone: (650) 866-3999, Fax: (650) 866-3996 sbarsotti@ebaic.com www.ebaic.com
CalSurance Associates, a Div. of Brown & Brown Program Ins. Svcs
681 S. Parker St., Ste. 300, Orange, CA 92868
Phone: (800) 745-7189, Fax: (800) 607-6875 info@calsurance.com www.calsurance.com
Cannasure Insurance Services
1468 W. 9th St., Ste. 805, Cleveland, OH 44113
Phone: (800) 420-5757 info@cannasure.com www.cannasure.com
CannGuard
11500 N. Ambassador Dr., Ste. 310 Kansas City, MO 64153
Phone: (833) 770-4068 info@cann-guard.com cann-guard.com
Care Providers Insurance Services
19111 N. Dallas Pkwy, Ste. 250, Dallas, TX 75287 Phone: (484) 531-8887 nsmmarketing@nsminc.com cpsinsure.com
Coastal Insurance Underwriters, Inc.
PO Box 3140, Ponte Vedra Beach, FL 32004
Phone: (904) 285-7683, Fax: (904) 395-0038 info@ciuins.com www.ciuins.com
Commercial Sector Insurance Brokers, LLC
500 Corporate Pkwy, Ste. 200-G, Hoover, AL 35242
Phone: (205) 776-1600, Fax: (205) 776-1619 bbleistine@comsectorins.com www.comsectorins.com
Community Association Insurance Solutions, LLC
5045 Robert J. Mathews Pwky, Ste. 100 El Dorado Hills, CA 95762
Phone: (888) 833-4158, Fax: (888) 833-4159 questions@caislive.com www.caislive.com
Community Association Insurance Solutions (CAIS), is an MGA and Program Administrator specializing in protecting Homeowners' Associations (HOAs), Townhomes, and both residential and commercial Condominiums (Condos) & Planned Unit Developments (PUDs). Our online program includes coverage for both non-payroll accounts and payroll accounts. Coverage for volunteers, board and committee members included.
Continental Underwriters, Inc.
3435-A W. Leigh Street, Richmond, VA 23230
Phone: (804) 643-7800, Fax: (804) 643-5800 info@contund.com www.contund.com
Cooper & McCloskey, Inc.
1981 N. Broadway, Ste. 340 Walnut Creek, CA 94596
Phone: (415) 433-7700, Fax: (415) 433-7707
keltie@cmiprorisk.com www.cmiprorisk.com
Charity First Insurance Services, Inc.
595 Market St., Ste. 2100, San Francisco, CA 94105
Phone: (800) 352-2761
Frank_Tarantino@charityfirst.com www.charityfirst.com
ChemPlan - Chemical Insurance
8121 Vicela Dr., Sarasota, FL 34240
Phone: (800) 410-1511, Fax: (941) 379-2668 dhagan@chemplan.net www.chemplan.net
CID Insurance Programs, Inc.
7125 El Cajon Blvd., Ste. 3, San Diego, CA 92115
Phone: (800) 922-7283, Fax: (619) 593-2008 programs@cidinsurance.com www.cidinsurance.com
Cosmetic Insurance Services, a division of EPIC Brokers
210 Hudson St., 6th Fl, Jersey City, NJ 07311
Phone: (201) 356-0057, Fax: (201) 356-0055
Kenneth.hegel@epicbrokers.com www.cosmeticinsurance.com
For more info, see our ad on page 17 (National).
Covenant Underwriters
1221 McKinney St., Ste. 3110, Houston, TX 77010
Phone: (346) 330-3777
broker@covenantunderwriters.com www.covenantunderwriters.com
Cowbell Cyber 6800 Koll Center Pkwy, Ste. 250
Pleasanton, CA 94566
Phone: (833) 633-8666 agencies@cowbellcyber.ai cowbell.insure
CRC Insurance Services
See Website for Locations HQ - Birminham, AL 35209
Phone: (205) 870-7790, Fax: (205) 879-3739 marketing@crcins.com www.crcins.com
DeCotis Specialty Insurance
245 Waterman St., Ste. 501, Providence, RI 02906
Phone: (401) 351-0066, Fax: (401) 351-0386 tdecotis@decotis.com www.decotis.com
Distinguished Programs
1180 Avenue of the Americas, 16th Fl New York, NY 10036
Phone: (212) 297-3100, Fax: (212) 297-3130 jsafer@distinguished.com www.distinguished.com
Distinguished Programs is a leading national insurance Program Manager providing specialized insurance programs to brokers and agents with specific expertise in Real Estate, Community Associations, Hotels, and Restaurants. Through thoughtful innovation, stemming back to 1995, Distinguished Programs fosters growth and opportunities for its brokers, carriers, and employees.
DMI Insurance Services
9020 N. Capital of Texas Hwy, Ste I-270 Austin, TX 78759
Phone: (408) 465-2302 nmaske@dmi-insurance.com www.dmi-insurance.com
Draftrs, Inc.
3839 McKinney Ave., Ste. 155-5062
Dallas, TX 75204
Phone: (214) 210-3476 support@draftrs.com draftrs.com
Element22 Insurance Services
3000 Gulf to Bay Blvd., Ste. 600
Clearwater, FL 33759
Phone: (877) 591-8283 dapplebaum@element22ins.com www.element22ins.com
Equine Insurance Specialists, LLC
PO Box 12440, Lexington, KY 40583
Phone: (800) 723-9414, Fax: (866) 207-6953 info@insureyourhorse.com www.insureyourhorse.com
Euclid Life Science Specialty, LLC
234 Spring Lake Drive, Itasca, IL 60143
Phone: (443) 682-0102
RElliott@EuclidLSS.com www.EuclidLSS.com
Flood Risk Solutions, Inc
360 Central Ave., Ste. 1260, St Petersburg, FL 33701
Phone: (727) 256-1991 phil@floodsol.com www.floodsol.com
62 | INSURANCE JOURNAL | NATIONAL JUNE 3, 2024 INSURANCEJOURNAL.COM
2024 Annual Program Directory, Summer Edition –
Flux Insurance Services, LLC
2280 E. Bidwell St., Ste. 104, 228, Folsom, CA 95630
Phone: (888) 358-9467
cprince@fluxins.com www.fluxins.com
Frank Winston Crum Insurance
100 S. Missouri Ave., Clearwater, FL 33756
Phone: (866) 218-4219, Fax: (727) 450-7911
AgencySupport@FWCrum.com www.frankwinstoncrum.com
Freberg Environmental, Inc.
1800 Wazee St., Ste. 300, Denver, CO 80202
Phone: (800) 377-4152, Fax: (303) 623-8101
info@feiinsurance.com www.feiinsurance.com
Futuristic Underwriters, LLC
1301 Solana Blvd., Bldg 2 Ste. 2100 Westlake, TX 76262
Phone: (817) 865-1955
futuristic@futuristicunderwriters.com www.futuristicunderwriters.com
Gateway Specialty Insurance
1170 Devon Park Drive, Wayne, PA 19087
Phone: (877) 977-4474, Fax: (610) 254-1855 info@gatewayspecialty.com www.gatewayspecialty.com
Gorst & Compass Insurance
5850 Canoga Ave., Ste. 650 Woodland Hills, CA 91367
Phone: (818) 507-0900, Fax: (818) 507-1133 mail@gorstcompass.com www.gorstcompass.com
Gray Specialty
3601 N. I-10 Service Road W, Metairie, LA 70002
Phone: (504) 754-6701 rswayze@grayspecialty.com www.grayspecialty.com
Great American Insurance Group, Alternative Markets
301 E. Fourth St., Cincinnati, OH 45202
Phone: (860) 683-4802 jguidry@gaig.com greatamericaninsurancegroup.com
Great American Ins. Group, Specialty Human Services
301 E. 4th St., 23rd Fl, Cincinnati, OH 45202 Phone: (866) 424-4758, Fax: (888) 513-5593 clwood@gaig.com www.SpecialtyHumanServices.com
Greene & Associates
400 Quaker Rd., East Aurora, NY 14052 Phone: (716) 805-1090, Fax: (716) 805-1099 kburch@whgreene.com www.whgreene.com
Greenwood General Insurance Agency
2525 N. Lake Ave., Altadena, CA 91001
Phone: (626) 379-8320 info@gwgeneral.com gwmga.com
Gridiron Insurance Underwriters, Inc.
261 N. University Dr., Ste 510, Plantation, FL 33324
Phone: (954) 331-3000 ddemott@gridironins.com www.gridironins.com
Grundy Insurance
PO Box 1957, Horsham, PA 19044
Phone: (877) 338-4004, Fax: (215) 674-5716 clint@grundy.com www.grundy.com/utility
HabPro Insurance
555 E. North Lane, Ste. 6060
Conshohocken, PA 19428
Phone: (610) 808-9499 nsmmarketing@nsminc.com habproinsurance.com
Hinterland Insurance
4601 DTC Blvd., Ste. 250, Denver, CO 80237
Phone: (314) 496-7077 info@hinterlandins.com www.hinterlandins.com
Huntington T. Block
1120 20th Street NW, 6th Fl Washington, DC 20036
Phone: (800) 424-8830 HTBinfo@aon.com www.huntingtontblock.com
Hull & Company
See website for all locations
HQ - Fort Lauderdale, FL 33020
Phone: (954) 527-4855, Fax: (866) 449-8449 www.hullco.com
Ian H. Graham Insurance
15303 Ventura Blvd., 12th Fl Sherman Oaks, CA 91403
Phone: (800) 621-2324, Fax: (866) 229-3754 info@ihginsurance.com www.ihginsurance.com
Indemnity Excess & Surplus Agency, Inc.
1915 NE Stucki Ave., Ste. 450, Hillsboro, OR 97006
Phone: (800) 487-2442, Fax: (503) 526-9700 jimh@ies-xs.com www.ies-xs.com
InsuranceHelper.com
PO Box 1549, Grass Valley, CA 95945
Phone: (530) 648-1100 brokers@insurancehelper.com www.insurancehelper.com
Insurtec Tanning and Spa Insurance
PO Box 25, Rich Hill, MO 64479
Phone: (800) 606-0621, Fax: (417) 395-2713 info@insurtecinc.com www.insurtecinc.com
Integrated Underwriters ® 2260 E. Bidwell St., Ste. 2043, Folsom, CA 95630
Phone: (833) 489-2667
cprince@integrateduw.com www.integrateduw.com
Interline Insurance Services
4 Centerpointe Dr., Ste. 300, La Palma, CA 90623
Phone: (800) 229-8790
nwallace@ameritrustgroup.com www.interlineinsurance.com
International Transportation & Marine Agency, Inc.
7835 E. Evans Rd., Bldg 300, Scottsdale, AZ 85260
Phone: (480) 556-0200, Fax: (480) 556-0201 info@itmagency.com www.itmagency.com
IPC
PO Box 1150, Gardnerville, NV 89410
Phone: (775) 782-6655, Fax: (775) 782-6654 tammy@ipc-nv.com www.ipc-nv.com
Directory of Markets
Irwin Siegel Agency
25 Lake Louise Marie Rd., Rock Hill, NY 12775
Phone: (800) 622-8272, Fax: (845) 796-3661 siegel@siegelagency.com www.siegelagency.com
Irwin Siegel Agency (ISA) is the premier program administrator. Our trusted advisors partner with brokers to provide property and casualty insurance, risk management, and claims services to Human and Social Service Providers. Our exceptional programs written with A+ rated carriers offer some of the broadest coverages available.
JC Wilson Consulting, Inc.
9390 W. Maiden Ct, Vero Beach, FL 32963 Phone: (312) 543-9451, Fax: (312) 543-9451 jwilson.frs@gmail.com
Jencap Specialty Insurance Services (Environmental)
2400 E. Katella Ave., Ste. 800, Anaheim, CA 92806 Phone: (949) 534-9106 nancy.huynh@jencapgroup.com jencapgroup.com/environmental
JM Wilson
8036 Moorsbridge Rd., Portage, MI 49024 Phone: (800) 282-8113
cbaldwin@jmwilson.com www.jmwilson.com
For more info, see our ad on page 4 (West), page 7 (S. East) & page 2 (Midwest).
J.M. Wilson is a third generation, family owned MGA and Surplus Lines Broker founded in 1920. We provide independent insurance agents access to ‘A’ rated carriers for Commercial Transportation, Property & Casualty, Brokerage, Marine, Personal Lines and Surety. We know insurance agents have choices and it’s our goal to establish relationships and provide the best possible experience for our agents to place business in the E&S marketplace.
Joseph Chiarello & Co., Inc.; Firearms Business Insurance Program
25 DeForest Ave., Ste. 208, Summit, NJ 07901 Phone: (800) 526-2199, Fax: (908) 473-0110 info@jcinsco.com www.guninsurance.com
K&K Insurance Group, Inc. 1712 Magnavox Way, Ft. Wayne, IN 46804
Phone: (800) 637-4757, Fax: (260) 459-5800
kk.general@kandkinsurance.com www.kandkinsurance.com
KBK Insurance Group, Inc. 1425 Sams Ave., Harahan, LA 70123
Phone: (205) 310-2121
nsmmarketing@nsminc.com www.kbkinsgroup.com
Alphabetical
JUNE 3, 2024 NATIONAL | INSURANCE JOURNAL | 63 INSURANCEJOURNAL.COM
2024 Annual Program Directory, Summer Edition – Alphabetical Directory of Markets
Kevin Davis Insurance Services
800 W. Sixth St., Ste. 1700, Los Angeles, CA 90017
Phone: (213) 833-6191, Fax: (213) 477-2057 sherry.branson@amwins.com www.kdisonline.com
KF&B Program Managers Insurance Services
425 W. Broadway, Ste. 308, Glendale, CA 91204
Phone: (818) 242-5100, Fax: (818) 242-6800 czallo@kfbins.com www.kfbins.com
KZ Insurance Brokerage, LLC
206 Roelofs Ct., Ste. B, Mount Shasta, CA 96067
Phone: (530) 926-6000, Fax: (530) 926-6040 info@kzib.com www.kzib.com
Lancer Insurance Company
370 W. Park Ave., Long Beach, NY 11561
Phone: (516) 431-4441 producer@lancerinsurance.com www.lancerinsurance.com
Landy Insurance Agency
100 River Ridge Dr., Ste. 301, Norwood, MA 02062
Phone: (800) 336-5422, Fax: (800) 344-5422 karend@landy.com www.landy.com
Lawyer’s Protector Plan
655 N. Franklin St., Ste. 1900, Tampa, FL 33602
Phone: (800) 336-5529, Fax: (813) 223-9547 lpp@bbprograms.com www.lppinsurance.com
Legacy Employer Concepts, LLC
7901 4th St. N, Ste. 300, St. Petersburg, FL 33702
Phone: (813) 460-9166, Fax: (813) 433-2503 brett@legacyemployerconcepts.com www.legacyemployerconcepts.com
LIG Marine Managers
111 2nd Ave. NE, Ste. 1101, St. Petersburg, FL 33701
Phone: (727) 578-2800, Fax: (727) 578-9977 KLT@LIGMarine.com www.LIGMarine.com
Logic Underwriters, a PCF Company
PO Box 600249, Dallas, TX 75360
Phone: (214) 739-0071, Fax: (214) 739-0072 paul@logicinsurance.com www.logicinsurance.com
M.J. Hall & Company Insurance Brokers
1550 W. Fremont Street, Stockton, CA 95203
Phone: (209) 948-8108 michael.donahue@mjhall.com www.mjhall.com
For more info, see our ad on page 3 (West).
MacAfee & Edwards, Inc. - Mexican Insurance Specialist
800 S. Figueroa St., Ste. 790, Los Angeles, CA 90017
Phone: (213) 629-9777, Fax: (213) 629-9779 juan@mexicard.com www.macafeeandedwards.com
Marine Agency Corporation
34 W Main St, Ste 201, Somerville, NJ 08876
Phone: (800) 763-4775
cstevens@marineagency.com marineagency.com/brokers
Mark D. Fredricksen Insurance Services
3390 University Ave., Ste. 300, Riverside, CA 92501
Phone: (800) 669-4347, Fax: (951) 742-4860 cindy.melcher@hubinternational.com www.fredricksenins.com
Markel
4600 Cox Rd., Glen Allen, VA 23060
Phone: (800) 431-1270, Fax: (804) 965-1689 eservice@markelcorp.com markel.com/us/commercial/small-business
Markel Personal Lines
PO Box 906, Pewaukee, WI 53072
Phone: (262) 548-9880, Fax: (262) 547-9436 maicmarketing@markelcorp.com www.markelmarine.com
MAXIMUM
222 S. Riverside Plaza, Ste. 2340, Chicago, IL 60606
Phone: (312) 559-9348, Fax: (312) 559-0930 joem@maxib.com www.maxib.com
McGowan Allied Specialty Insurance
140 Fountain Pkwy N, Ste. 570 St. Petersburg, FL 33716
Phone: (800) 237-3355, Fax: (727) 360-3498 tellmemore@mcgowanallied.com www.mcgowanallied.com
McLeckie Insurance Group
PO Box 770, Naples, TX 75568
Phone: (903) 897-9090, Fax: (760) 462-1696 Bill@mcleckie.com www.mcleckie.com
Meramec Secure, Inc.
108 S. Wynstone Park Drive, Ste 111, North Barrington, IL 60010
Phone: (847) 275-8497 mike@meramecsecure.cvom meramecsecure.com
Meridian Finance Group
11900 W. Olympic Blvd., 8th Fl Los Angeles, CA 90064
Phone: (310) 260-2130, Fax: (310) 260-2140 info@meridianfinance.com www.meridianfinance.com
Mexico Insurance Online
214 E. Birch Ave., Flagstaff, AZ 86001
Phone: (928) 433-6728, Fax: (928) 779-7221 denny.lauritsen@mexicoinsuranceonline.com www.mexicoinsuranceonline.com
MexiPass International Insurance Services, LLC
PO Box 60727, Pasadena, CA 91116
Phone: (800) 639-4727, Fax: (800) 639-4329 jorge@mexipass.com www.mexipass.com
MG Skinner & Associates
11030 Santa Monica Blvd., Ste. 207
Los Angeles, CA 90025
Phone: (310) 478-5041, Fax: (310) 479-8707
Rskinner@mgskinner.com www.mgskinner.com
Midwestern Insurance Alliance, LLC
P. O. Box 436909, Louisville, KY 40253
Phone: (619) 450-1739, Fax: (502) 426-7067
tbailey@mwiainsurance.com www.midwesterninsurance.com
MiniCo Insurance Agency, a Jencap Company
10851 N. Black Canyon, Ste. 200, Phoenix, AZ 85029
Phone: (800) 528-1056, Fax: (602) 861-1094 info@minico.com www.minico.com
Monarch E&S Insurance Services
2550 N Hollywood Way, Ste. 501, Burbank, CA 91505
Phone: (818) 249-0100, Fax: (818) 249-1166
clarac@monarchexcess.com www.monarchexcess.com
For more info, see our ad on page 1 (West).
Mover’s Choice Insurance
222 Gateway Road W, Napa, CA 94558
Phone: (800) 852-1968, Fax: (707) 252-5905
BrandonL@paulhanson.com www.moverschoiceinfo.com
National Elevator Insurance Solutions / HUB Int'l
One Bridge Plaza N, Fort Lee, NJ 07024
Phone: (201) 585-6500, Fax: (201) 585-6590
john.tateossian@hubinternational.com www.elevatorinsurance.com
National Indemnity Company
1314 Douglas, Ste. 1400, Omaha, NE 68102
Phone: (402) 916-3000, Fax: (402) 916-3030 info@nationalindemnity.com www.nationalindemnity.com
NBIS
2859 Paces Ferry Rd. SE, 800 Overlook III Atlanta, GA 30339
Phone: (770) 257-1777, Fax: (770) 257-1500 contactus@nbis.com www.NBIS.com
Negley Associates
389 Interpace Pkwy, 4th Fl, Parsippany, NJ 07054 Phone: (862) 286-3550, Fax: (866) 865-5655 info@jjnegley.com www.jjnegley.com
NeitClem Wholesale Insurance Brokerage, Inc. 7442 N. Figueroa St., Los Angeles, CA 90041 Phone: (323) 258-2600, Fax: (323) 258-2676 jcenteno@neitclem.com www.neitclem.com
NEXT Insurance
975 California Ave, Palo Alto, CA 30062
Phone: (855) 222-5919 agents@nextinsurance.com www.nextinsurance.com
Nonprofits Insurance Alliance
PO Box 8507, Santa Cruz, CA 95061
Phone: (831) 459-0461, Fax: (831) 459-0853 brokerservices@insurancefornonprofits.org www.insurancefornonprofits.org
Nonprofits Insurance Alliance is a group of 501(c)(3) nonprofit, tax-exempt insurers whose purpose is to serve 501(c)(3) tax-exempt nonprofit organizations by providing a
64 | INSURANCE JOURNAL | NATIONAL JUNE 3, 2024 INSURANCEJOURNAL.COM
stable
liability
nonprofit
source of reasonably-priced
insurance tailored to the specialized needs of the
sector.
2024 Annual Program Directory, Summer Edition –
Norman-Spencer Agency, LLC
8075 Washington Village Dr., Dayton, OH 45458
Phone: (800) 543-3248, Fax: (937) 432-1635 info@norman-spencer.com www.norman-spencer.com
Norman-Spencer International, Inc.
150 E. 22nd St., Lombard, IL 60148
Phone: (630) 705-4140, Fax: (630) 705-1056 gretchen@normanspencer.com www.normanspencer.com
Novatae Risk Group
12700 Park Central Dr., Ste. 510, Dallas, TX 75251
Phone: (888) 810-2770
info@novatae.com www.novatae.com
NSM Insurance Group
555 E. North Lane, Ste. 6060 Conshohocken, PA 19428
Phone: (800) 970-9778, Fax: (610) 941-9889 nsmmarketing@nsminc.com nsminc.com
Forget the hassle of running around to find markets that meet unique client risks — because at NSM Insurance Group, we have a market for that! As a one-stop-shop with 25+ top niche markets, we help agents meet a wide range of client needs quickly and easily.
Number One Insurance Agency
91 Cedar St., Milford, MA 01757
Phone: (508) 634-2900, Fax: (508) 634-2930 numberone@massagent.com www.massagent.com
Omaha National
PO Box 451139, Omaha, NE 68145
Phone: (844) 761-8400, Fax: (844) 761-8402 sales@omahanational.com www.omahanational.com
For more info, see our ad on the Cover!
Omaha National is a premier provider of workers compensation insurance offering coverage for labor intensive risks with competitive rates and commissions. Coverage offered through Omaha National Insurance Company, Palomar Specialty Insurance Company, and/or Preferred Professional Insurance Company.
Oryx Insurance Brokerage, Inc.
2 Court Street, Binghamton, NY 13901
Phone: (607) 724-0173, Fax: (607) 724-7266
marketing@oryxinsurance.com www.oryxinsurance.com
Parcel Insurance Plan
PO Box 66708, St. Louis, MO 63166
Phone: (800) 325-7390 office@pipinsure.com www.pipinsure.com
PartnerOne Environmental
PO Box 1532, Charlottesville, VA 22902
Phone: (800) 596-0172, Fax: (434) 979-8964
p1info@p1enviro.com p1enviro.com
PEO Brokers Group
PO Box 720514, Oklahoma City, OK 73172
Phone: (877) 810-9355
swbrown@peobrokersgroup.com www.peobrokersgroup.com
Personal Safeguards Group, LLC
830 W. Route 22, Ste. 151, Lake Zurich, IL 60047
Phone: (847) 275-8497
mike@personalsafeguards.com personalsafeguardsgroup.com
Philadelphia Insurance Companies
One Bala Plaza Ste. 100, Bala Cynwyd, PA 19004
Phone: (800) 873-4552, Fax: (610) 617-7940 phlysales@phly.com www.phly.com
Philadelphia Insurance Companies, a Member of the Tokio Marine Group, designs, markets, and underwrites commercial property/casualty and professional liability insurance products incorporating value added coverages and services for select industries.
Preferred Concepts, LLC
14 Wall St., 17th Fl, New York, NY 10005
Phone: (212) 608-9400, Fax: (212) 608-6268 requestinfo@preferredconcepts.com www.preferredconcepts.com
Prime Insurance Company
1 S. Dearborn St., Ste. 800, Chicago, IL 60603
Phone: (800) 257-5590, Fax: (877) 452-6910 RJL@primeis.com www.primeis.com
Pro-Praxis Insurance
321 Old Slip, 5th Fl, New York, NY 10005
Phone: (212) 401-1561, Fax: (212) 401-1548
Robert_Allen@ProPraxisIns.com www.propraxisins.com
ProAlly
1820 E. Sky Harbor Circle S, Ste. 150 Phoenix, AZ 85034
Phone: (623) 473-6277 contact@pro-ally.com www.pro-ally.com
Proctor Loan Protector
700 Tower Dr., Ste. 400, Troy, MI 48098
Phone: (800) 521-6800, Fax: (248) 269-5605 info@pfic.com www.proctorlp.com
A leading provider of lender-placed insurance for over 45 years, Proctor Loan Protector provides smart insurance solutions coupled with compliant, technology-driven hazard tracking tools for mortgage servicers, subservicers, banks, credit unions, distressed asset investors, and other financial institutions. Proctor’s programs mitigate risk and enhance the borrower experience.
Professional Governmental Underwriters
4870 Sadler Rd., Ste. 102, Glen Allen, VA 23060 Phone: (800) 586-6502, Fax: (804) 272-7852 glester@pgui.com www.pgui.com
Professional Insurance Concepts
389 Interpace Pkwy, 4th Fl, Parsippany, NJ 07054
Phone: (862) 286-3470, Fax: (973) 263-0747
DGriffin@ProInsConcepts.com www.ProInsConcepts.com
Professional Program Ins. Brokerage, a Div of SPG Ins. Solutions
1304 Southpoint Blvd., Ste. 101, Petaluma, CA 94954 Phone: (415) 475-4300, Fax: (415) 475-4303 info@ppibcorp.com www.ppibcorp.com
Professional Underwriters Agency (PUA) 2803 Butterfield Rd., Ste. 260, Oak Brook, IL 60523 Phone: (630) 861-2330 nsmmarketing@nsminc.com puainc.com
Promont Insurance Advisors
123 N. Wacker Dr., Ste. 890, Chicago, IL 60606 Phone: (312) 262-3300, Fax: (312) 262-3301 greg.morris@promontadvisors.com www.promontadvisors.com
ProWriters
70 E. Lancaster Ave., Ste. 102, Malvern, PA 19355 Phone: (484) 321-2335, Fax: (484) 321-2339 info@prowritersins.com www.prowritersins.com
Quadrant Insurance Managers
501 W. Schrock Rd., Ste. 301, Westerville, OH 43081 Phone: (614) 841-1425, Fax: (614) 841-1426 info@quadrant-us.com www.quadrant-us.com
Quaker Special Risk, a Jencap Company (Florida) 224 Datura St., Ste. 715, W. Palm Beach, FL 33401 Phone: (866) 526-1545, Fax: (561) 833-6616 creid@qsr-insurance.com www.qsr-insurance.com
Alphabetical
JUNE 3, 2024 NATIONAL | INSURANCE JOURNAL | 65 INSURANCEJOURNAL.COM
Directory of Markets
2024 Annual Program Directory, Summer Edition – Alphabetical Directory of Markets
Quaker Special Risk, a Jencap Company (Mass.)
51 Harvard St., Worcester, MA 01609
Phone: (800) 252-8679, Fax: (508) 753-0646 kbranscombe@quakerma.com www.quakerma.com
Quaker Special Risk, a Jencap Company (New Jersey)
331 Newman Springs Rd. Bldg 2, Ste. 300 Red Bank, NJ 07701
Phone: (800) 447-4180, Fax: (732) 223-9072 chris.reid@jencapgroup.com www.qsr-insurance.com
Quirk & Company
PO Box 792030, San Antonio, TX 78279
Phone: (800) 299-9421, Fax: (210) 340-4075 kquirk@quirkco.com www.quirkco.com
R.V. Nuccio & Associates
10148 Riverside Dr., Toluca Lake, CA 91602
Phone: (800) 364-2433 support@rvnuccio.com www.rvnuccio.com
RealCare Insurance
430 W. Napa St., Ste. F, Sonoma, CA 95476
Phone: (800) 996-0599, Fax: (707) 935-7142 realcare@nfp.com www.realcareprograms.com
REInsurePro
11500 N. Ambassador Dr., Ste. 310 Kansas City, MO 64153
Phone: (816) 398-4080 info@reinsurepro.com www.reinsurepro.com
For more info, see our ad on page 2 (West) and page 1 (East & Midwest).
RelMark Program Managers
961 Pottstown Pike, Chester Springs, PA 19425
Phone: (800) 874-5880, Fax: (610) 321-1011 RRittersbach@relmarkgroup.com www.relmark.net
Risk Strategies, Transportation Group PO Box 360017, Strongsville, OH 44136
Phone: (877) 862-4755, Fax: (914) 636-0802 info@risk-strategies.com www.risk-strategies.com
Roush Insurance Services, Inc. 18077 River Rd., Ste. 107, Noblesville, IN 46062 Phone: (800) 752-8402, Fax: (317) 776-6891 quote@roushins.com www.roushins.com
RPS Healthcare
525 W. Van Buren, Ste. 1325, Chicago, IL 60607 Phone: (312) 803-6014
Diane_Burrows@rpsins.com rpsins.com/industries/healthcare-insurance
RPS Signature Programs
2850 Golf Road, Rolling Meadows, IL 60008
Phone: (866) 595-8413 info@rpsins.com rpsins.com/signatureprograms
Unique risks? New niches? Never been done before? That’s our specialty. We help provide your clients with specialized coverage from trusted carriers, so you can move on with confidence.
RPS Technology & Cyber
204 Cedar St., Cambridge, MD 21613
Phone: (800) 336-5659, Fax: (410) 228-7645
Estelle_Cummings@RPSins.com rpsins.com/industries/technology-insurance
Ryan Specialty National Programs
10150 York Rd., 5th Fl, Hunt Valley, MD 21030
Phone: (800) 366-5810, Fax: (410) 828-8179
Hollie.Degutis@ryansg.com www.RyanPrograms.com
Sapphire Blue
155 N Wacker Drive, Chicago, IL 60606
Phone: (312) 784-6007, Fax: (312) 784-6002
nancy.mcmahon@sapphireblueuw.com sapphireblueuw.com
SASSI - Salon & Spa Specialty Insurance
21 Maple Ave., Bay Shore, NY 11706
Phone: (888) 823-9380, Fax: (631) 666-7646 info@brownyard.com www.sassiagency.com
Shelly, Middlebrooks & O’Leary, Inc. PO Box 2909, Jacksonville, FL 32203
Phone: (800) 342-2498, Fax: (904) 355-7611 ekoleary@shellyins.com www.shellyins.com
For more info, see our ad on page 8 (Southeast).
Shield Commercial Insurance Services
43725 Monterey Ave., Ste. A, Palm Desert, CA 92260 Phone: (760) 345-9029, Fax: (800) 345-4851 info@shieldins.net www.shieldins.net
We have functioned as a program manager providing contractor insurance products to retail brokers and wholesalers since 2004. Rate, quote and bind online. Easily register as a producer today on our website for full program access. We specialize in General Liability, Excess Liability, Inland Marine and Workers' Compensation.
Signature Specialty, LP
261 N. University Dr., Ste. 510, Plantation, FL 33324
Phone: (416) 413-1167 info@sigspecialty.com www.sigspecialty.com
Skyward Specialty Insurance
800 Gessner, Ste. 600, Houston, TX 77024
Phone: (972) 587-4315, Fax: (713) 467-8238 hdoughty@skywardinsurance.com www.skywardinsurance.com
South & Western General Agency, Inc.
PO Box 9015, Addison, TX 75001
Phone: (800) 492-5351, Fax: (972) 855-2970 sales@southandwestern.com www.southandwestern.com
Southern Hospitality Underwriters
300 Wilson Rd., Griffin, GA 30224
Phone: (866) 916-9752, Fax: (770) 233-8125 bbrown@shuins.com www.shuins.com
Southwest Risk
8144 Walnut Hill Ln., Ste. 1400, Dallas, TX 75231
Phone: (214) 206-4900, Fax: (214) 206-4901 info@swrisk.com www.swrisk.com
Specialty Insurance
1610 Route 88 Ste. 102, Brick, NJ 08724
Phone: (732) 701-8934 apyciak@specialtyagency.com www.specialtyagency.com
Sports & Fitness Insurance Corporation (SFIC)
212 Key Dr., Ste. A, Madison, MS 39110
Phone: (800) 844-0536, Fax: (601) 853-6141 contactus@sportsfitness.com www.sportsfitness.com
Sports & Wellness Insurance
555 E. North Lane, Ste. 6060 Conshohocken, PA 19428
Phone: (610) 808-9599 nsmmarketing@nsminc.com nsmsportsinsurance.com
Staffing Lines
555 E. North Lane, Ste. 6060 Conshohocken, PA 19428
Phone: (610) 808-9586, Fax: (610) 941-9889 nsmmarketing@nsminc.com info.staffinglines.com
StateFund First, a Div of Arthur J Gallagher & Co. Insurance Brokers of CA, Inc. 2121 N. California Blvd., Ste. 350 Walnut Creek, CA 94596
Phone: (855) 784-4433, Fax: (415) 536-4033 erica_bro@statefundfirst.com www.statefundfirst.com
Sun Coast General Insurance Agency PO Box 30750, Laguna Hills, CA 92654 Phone: (800) 300-8838, Fax: (949) 768-4045 jyeskin@suncoastinsurance.com www.SunCoastInsurance.com
TAPCO Underwriters, Inc.
3060 S. Church St., Burlington, NC 27216
Phone: (800) 334-5579, Fax: (336) 584-8880 KAllred@gotapco.com www.GoTAPCO.com
66 | INSURANCE JOURNAL | NATIONAL JUNE 3, 2024 INSURANCEJOURNAL.COM
2024 Annual Program Directory, Summer Edition – Alphabetical Directory of Markets
Synergy Professional Associates, Inc.
100 Passaic Ave., Ste. 145, Fairfield, NJ 07004
Phone: (973) 995-0500, Fax: (973) 995-0501 michelem@synergy-ins.com www.synergy-ins.com
Target Managers Insurance Services
10161 Park Run Dr., Ste. 150, Las Vegas, NV 89145
Phone: (702) 588-5300, Fax: (702) 588-5310 mkiger@targetmanagers.com www.targetmanagers.com
Target Professional Programs
1230 E. Diehl Rd., Ste. 350, Naperville, IL 60563
Phone: (331) 333-8239, Fax: (630) 961-0284 sreidy@targetproins.com www.TargetProIns.com
TDC Specialty Underwriters
29 Mill Street, Unionville, CT 06085
Phone: (888) 277-3152, Fax: (888) 277-3152 submissions@tdcspecialty.com www.tdcspecialty.com
The American Equity Underwriters, Inc.
32nd Fl, 11 N. Water St., Mobile, AL 36602
Phone: (251) 690-4230, Fax: (251) 690-4299 aeu.marketing@amequity.com www.amequity.com
AEU is a program administrator for a group selfinsurance fund authorized by the U.S. Department of Labor to provide USL&H coverage for the liabilities of its members, which are waterfront employers of all sizes. AEU can also provide State Act workers’ compensation and MEL coverage.
The Hanover Insurance Group
440 Lincoln St., Worcester, MA 01653
Phone: (508) 855-1000, Fax: (508) 635-1193 abclark@hanover.com www.hanover.com
The McGowan Companies
Corporate HQ; 20595 Lorain Rd. Fairview Park, OH 44126
Phone: (800) 545-1538, Fax: (440) 333-3214 syoung@mcgowancompanies.com www.mcgowancompanies.com
McGowan Program Administrators (MPA) is America’s leading writer of innovative insurance programs. MPA is a Managing General Underwriter and Program Manager. MPA designs, administers and markets highly-specialized programs of insurance. These programs are available exclusively through MPA.
The Mechanic Group, Inc., A Division of Specialty Programs Group, LLC
One Blue Hill Plaza, Ste. 530, Pearl River, NY 10965
Phone: (845) 735-0700, Fax: (845) 735-8383
mkatz@mechanicgroup.com www.mechanicgroup.com
Insurance Programs, Brokerage and Risk Management for the Security Officer, Electronic Security-Alarm, Investigation and Background Screening Industries.
Truckers Insurance Associates
6400 Westown Pkwy, West Des Moines, IA 50266
Phone: (800) 652-9515
mlieb@truckers-insurance.com www.truckers-insurance.com
U.S. Brokers Network, a Division of U.S. Risk, LLC 14241 Dallas Pkwy, Ste. 850, Dallas, TX 75254 Phone: (719) 309-1051
submissions@usbrokersnetwork.com www.usbrokersnetwork.com
U.S. E&O Brokers, a Division of U.S. Risk, LLC 9811 Katy Freeway, Suite 625, Houston, TX 77024 Phone: (800) 460-6424, Fax: (713) 984-1152 angela@useo.com www.useo.com
UCA General Insurance Services Inc. 6363 Katella Ave., Cypress, CA 90630 Phone: (800) 222-5582, Fax: (714) 228-7855 bcolburn@ucageneral.com www.ucageneral.com
Union General Insurance Services, Inc. 1390 Willow Pass Rd., Ste. 1050, Concord, CA 94520 Phone: (925) 671-2128, Fax: (925) 671-0171 MatthewM@UnionGeneral.com UnionGeneralinsurance.com
Unitas Financial Services 6543 Commerce Pkwy, Ste. M, Dublin, OH 43014 Phone: (954) 931-4795, Fax: (866) 847-5565 john.watt@unitas360.com www.unitas360.com
Universal Insurance Programs
1220 E. Osborn Rd., Phoenix, AZ 85014 Phone: (800) 844-2101, Fax: (866) 512-2272 info@uiprograms.com www.uiprograms.com
US Assure
8230 Nations Way, Jacksonville, FL 32256 Phone: (800) 800-3907 marketing.info@usassure.com usassure.com
Vanguard Specialty
1120 E. Kennedy Blvd., Ste. 226, Tampa, FL 33602 Phone: (813) 999-8090 stephen.vanwert@vanguardspecialty.com www.vanguardspecialty.com
Venture Insurance Programs
1301 Wrights Lane East, West Chester, PA 19380
Phone: (800) 282-624730, Fax: (610) 692-5977 marketing@ventureprograms.com www.ventureprograms.com
Victor Insurance Managers LLC
770 Wisconsin Ave., Ste. 400, Bethesda, MD 20814
Phone: (301) 961-9800, Fax: (301) 951-5444
info.us@victorinsurance.com www.victorinsuranceus.com
Virtue Risk Partners, LLC
One Blue Hill Plaza, Pearl River, NY 10965
Phone: (845) 205-0301
jvalenza@virtuerisk.com www.virtuerisk.com
Western Surplus Lines Agency, Inc. PO Box 6609, Abilene, TX 79608
Phone: (800) 592-4408, Fax: (325) 695-0371
bcraig@westernsurplus.com www.westernsurplus.com
Wilkoff Bonds
135 Crossways Park Dr., 3rd Fl Woodbury, NY 11797
Phone: (516) 747-0200, Fax: (516) 747-2021
mwilkoff@wilkoffbonds.com www.wilkoffbonds.com
WINS RISK Solutions, Inc.
417 Main St., Ste. D, Islip, NY 11751
Phone: (631) 446-1499
asantiago@winsrisk.com www.winsrisk.com
World Wide Specialty, a Div of Philadelphia Insurance Co’s
68 S. Service Rd., Ste. 235, Melville, NY 11747
Phone: (800) 245-9653, Fax: (631) 390-0922
dtaylor@wwspi.com www.wwspi.com
Wrap Up Insurance Solutions
16141 Swingley Ridge Rd., Chesterfield, MO 63017
Phone: (636) 489-0185, Fax: (636) 536-7473
bbillhartz@wrapupsolutions.com www.wrapupsolutions.com
Wright Specialty Insurance
900 Stewart Ave., Ste. 600, Garden City, NY 11530
Phone: (877) 976-2111, Fax: (516) 227-2352
hdiamantidis@wrightinsurance.com www.wrightspecialty.com
XPT Specialty
50 Brewery St., Ste. 8476, New Haven, CT 06530
Phone: (972) 702-0500, Fax: (972) 702-0504
mark.kaufman@xptpartnersllc.com www.xptspecialty.com
JUNE 3, 2024 NATIONAL | INSURANCE JOURNAL | 67 INSURANCEJOURNAL.COM
492 results for ‘trucking’ .com
Idea Exchange: Workers' Compensation
continued from page 27
5. Beverage cart injuries: Navigating a beverage cart down a narrow airplane aisle is tricky. Passengers will often stretch their feet into the aisle or have bags or other items hanging out from under the seat. As airline workers make their way down the aisle with the cart, they do not always see such obstacles or have time to stop the cart before hitting them. When the cart bumps into people or objects it raises the risk for injuries and workers’ compensation claims.
While less exciting, these types of incidents are recurring and often lead to injuries for airline workers and workers’ compensation claims for airlines. Such claims can lead to massive financial losses per year in a best-case scenario and can put airline workers out of a job and damage an airline’s reputation in a worst-case scenario
Mitigating Real Risks
Insurers play a critical role in helping airline carriers and their employees mitigate workers’ compensation risks. Four practical ways insurers and their airline clients can work together to keep airline workers healthier include:
1. Ask the right questions. Talk with people who do the job every single day. Ask about the easiest and hardest parts of their job. Take notes during these discussions. Then reflect upon those notes and seek solutions that can address the most frequent concerns.
2. Streamline. Observe your employees and seek to reduce the number of repetitive actions or tasks they perform. For example, if you notice employees constantly bend over to retrieve baggage, consider whether raising a baggage claim counter height could ease their burden and help reduce back- and neck-pain-related claims.
3. Provide expert-led training. Offering thorough on-the-job education to all airline employees is table stakes. To up-level training, consider selecting the best and brightest employees to lead education sessions. In the training I attended, we received instruction from employees who
shared real-life stories that added color and authenticity to our training.
4. Infuse empathy and transparency into your workers’ compensation program. Flight attendants and other airline employees care deeply about everyone’s safety. Airlines and their insurance carriers should show the same level of compassion. Ensure workers can talk to a real person — and not a computer — while filing a claim. Respond promptly to all requests. Make any next steps clear to employees and answer their questions so they know precisely what to expect during the process.
News reports about airline mishaps do not tell the real story about airline worker safety risks. While the skies may not be as dangerous as perceived in viral videos, the reality is airline employees still face multiple on-the-job hazards.
By working collaboratively and instilling a sense of humanity into their workers’ compensation programs, insurers and airlines can meet their employees’ needs and mitigate injury risks across the board.
Thomas is managing partner at Jones Jones LLC. She leads the firm through the evolving technicalities of workers’ compensation and insurance defense law.
Advertisers
June 3, 2024
Incline Casualty Company 13215 Bee Cave Parkway, Suite B-150 Austin, TX 78738
The above company has made application to the Division of Insurance to amend their Foreign Company License to transact Property and Casualty Insurance in the Commonwealth of Massachusetts.
Any person having any information regarding the company which relates to its suitability for the license or authority the applicant has requested is asked to notify the Division by personal letter to the Commissioner of Insurance, 1000 Washington Street, Suite 810, Boston, MA 021186200, Attn: Financial Surveillance and Company Licensing within 14 days of the date of this notice.
June 3, 2024
Arch Property Casualty Insurance Company 2345 Grand Boulevard, Suite 900 Kansas City, MO 64108
The above company has made application to the Division of Insurance to obtain a Foreign Company License to transact Property and Casualty Insurance in the Commonwealth of Massachusetts.
Any person having any information regarding the company which relates to its suitability for the license or authority the applicant has requested is asked to notify the Division by personal letter to the Commissioner of Insurance, 1000 Washington Street, Suite 810, Boston, MA 021186200, Attn: Financial Surveillance and Company Licensing within 14 days of the date of this notice.
JUNE 3, 2024 INSURANCE JOURNAL | 69 INSURANCEJOURNAL.COM
Index Amalgamated Ins Underwriters www.aiu-usa.com 19 Applied Underwriters www.auw.com 2, 3, 72 Cypress P&C www.cypressig.com S5 EPIC Brokers www.epicbrokers.com 15, 17 Florida Surplus Lines Assoc. www.myfsla.com 23 FSLSO www.fslso.com S3 JM Wilson www.jmwilson.com W4, S7, M2 M.J. Hall & Company, Inc. www.mjhallandcompany.com W3 Monarch E&S Insurance Services www.monarchexcess.com W1 Nautilus Insurance Company www.nautilusinsgroup.com 11 Omaha National Underwriters www.omahanational.com 1 REInsurePro www.reinsurepro.com/IJ W2, E1, M1 Shelly, Middlebrooks & O'Leary www.shellyins.com S8 Texas Mutual www.texasmutual.com SC1 Turner Surety & Insurance Brokerage (TSIB) www.tsibinc.com 49
Closing Quote
How to Embrace Compensation Transparency
By Julie Bingham
The quest for transparency in compensation has become a paramount concern for both employers and employees alike. About one-fifth of U.S. employees are covered by compensation transparency laws, and many companies without requirements are opting for transparency policies because of the benefits they bring to recruiting and retaining talent. There is no “one-size-fitsall” process for developing compensation packages. Each should be designed based on the company’s philosophy and the data around employee preferences and priorities.
A thoughtfully crafted compensation package will not only increase employee retention but also attract talent.
Building a compensation package is more than doing a quick Google search, which often
provides data that is too generalized and difficult to defend. By emphasizing the importance of internal frameworks for determining compensation and educating employees on how these decisions are made, organizations can ensure that discussions about pay are based on reliable information and include consideration of the other benefits and rewards program investments the organization makes on behalf of its employees.
Understanding the reasons why employees choose to work for your company sets the stage for cultivating a compensation philosophy that aligns with your company’s values.
If you’re planning to implement compensation transparency but aren’t sure where to start, you’re not alone. For companies beginning the transparency journey, it’s not merely a matter of unveiling salary ranges; it’s a strategic endeavor that requires introspection, data-driven decision-making and clear communication. The key to building a successful and transparent program is to make decisions with intention and be ready to explain the “why” to employees.
Establishing Compensation
Consider the following steps when building your compensation package. Identify your organization’s unique philosophy. Consider what would make your prospective employees most drawn to working with you. For instance, if the salary range is on the lower end, are there other benefits such as your PTO policy
that would attract talent?
Define your market for talent. Central to the journey of strategic compensation packages is the process of market analysis and benchmarking.
Drawing from research and data that consider factors such as revenue size, employee demographics and geographic location allows you to gauge what compensation is reasonable and competitive. Define the market range based on the role itself, rather than the specific individuals filling it. By leveraging the full spectrum of pay and being ready to articulate the rationale behind where employees fall within it, organizations can provide clarity on how current pay decisions are made and illuminate additional compensation opportunities within employees’ current roles or through career progression.
For this step, it may be worthwhile to collaborate with a consulting firm that can provide access to their compensation survey library and build salary ranges. Combine this data with your company philosophy, and you are well on your way to building a competitive pay structure that is sustainable.
Identify gaps. Take time to discover what gaps exist in your current pay structure and take steps to address them. For example, is your company experiencing pay compression or high turnover? If so, focus on narrowing gaps and ensuring legacy employees have compelling reasons to stay and grow within the company.
Communication
There is a reason that compensation falls under
human resources and not finance; it is contingent on aligning employee expectations with organizational realities. Remember that transparency is a journey, and it starts with building a pay structure you can explain the “why” behind.
Tell your story. To ensure your company has consistent messaging, consider selecting a spokesperson from your executive team to lead the conversation about the rewards programs — including compensation, benefits, retirement, paid time off and other rewards — that make the company attractive to employees.
Set expectations early. Encourage open dialogue with candidates early in the hiring process to provide a transparent picture of compensation expectations. Articulate the rationale behind compensation decisions, emphasizing the broader spectrum of benefits beyond monetary rewards.
Foster ongoing communication. Set regular discussions within the organization about compensation, emphasizing the importance of aligning employee expectations with organizational realities. Provide platforms, like annual reviews or informal leader check-ins, for employees to ask questions, share concerns and gain clarity on compensation matters.
By aligning philosophy with market realities, addressing disparities, and fostering open communication, organizations can use transparency to attract, retain and engage top talent.
Bingham, SHRM-SCP, is vice president of Total Rewards Consulting at The MJ Companies’ Indianapolis office.
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