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8 Progressive to End Offering Dwelling Fire Insurance
Safeco to Take Personal Lines Renewal Business of Main Street America
2024 More of the Same in Commercial Auto Segment After $5B Net Loss in 2023
Federal Judge Strikes Down Biden Overtime Pay Rule
US Product Recalls on Pace to Hit 6-Year High: Report
Special Report
18
Closer Look: A Shift to More EVs on The Road Could Have Far-Reaching Impacts 20
Spotlight: US High Court Declines Appeal, Upholds Coverage Ruling on Treated Wood 22
Spotlight: Flood Adaptation Preferable to PostDisaster Rebuilding – And It Helps With Insurability
2024 Program Directory – Winter Edition
Is It Covered?: Insurance and Shrinkflation: Caveat Emptor!
Minding Your Business: Industry Trends to Exploit for 2025 – Part One
Closing Quote: 5 Ways to Prepare for the End of the Hard Market
Opening Note
Talent, Again
It’s no surprise to independent agencies that talent, quality talent, is hard to find. Employers of every size and industry — across nearly every state — say they are facing unprecedented challenges trying to find enough workers to fill open jobs. Right now, the latest data shows that we have 8 million job openings in the U.S. but only 6.8 million unemployed workers.
Finding experienced insurance talent in the industry is not easy, the experts say.
“It’s tough to find good candidates,” says Mary Newgard, partner and senior search consultant for Capstone Search Group, a national recruiting firm dedicated to the insurance industry. “People seem less committed to the process.” There is also a lot more competition with offers, she says. Plus, low unemployment rates will continue to lower job candidate options for agencies. “Recruiting is infinitely more difficult when unemployment is low.”
For insurers, most companies report the need to hire as well. According to Jacobson’s latest Q3 2024 Insurance Labor Market Study, insurers continue to add jobs, and their employment growth remains relatively modest.
But the search for tech talent seems to be waning at least for insurers, Jacobson says. For the first time in the study’s 15-year history, technology positions are not the industry’s greatest need. Underwriting and claims roles are currently in highest demand, with technology ranking third.
The Jacobson study found that just over half (52%) of companies intend to grow teams in the next 12 months, unchanged from January 2024. Meanwhile, 34% plan to maintain current headcounts.
Both agencies and insurers should continue to consider flexible working options. According to Jacobson, flexibility continues to be an important consideration for many professionals. Seventy-two percent of companies shared that they have a hybrid model (38% one to two days in office; 34% three to four days in office). Just 4% said most employees are in the office full time. The vast majority (94%) of companies do not plan to make changes to their work models within the next six months, the report found.
‘It’s tough to find good candidates.’
Neward says when agencies began moving away from remote hires in early 2024, the “time-to-hire” rates increased substantially. “An account manager job went from between 60-90 days to fill to over six months,” she told Insurance Journal. Beware in 2025, she advises. “If you restrict openings to one location and one zip code don’t be surprised … if your job is open for 6-12 months.”
That’s something to consider when discussing agency hiring strategies for 2025.
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“Price,
Philadelphia Insurance Companies offers an extensive package of risk protection services. From general, professional and excess liability to automobile, property, and management liability lines including protection for directors and officers, employment practices, crime, fiduciary, cyber and more. Few carriers can bring it all together like PHLY. Experience the PHLY difference.
News & Markets
Progressive to End Offering Dwelling Fire Insurance
By Chad Hemenway
Progressive said it will stop offering dwelling fire insurance, with nonrenewal notices going out as early as Nov. 19.
The Mayfield, Ohio-based insurer said the decision to discontinue writing the coverage, often dubbed “landlord insurance,” for non-primary residences and rental properties was done to focus on owner-occupied homes, and bundling home and auto insurance.
Stopping the line of business will create more capacity for these initiatives, Progressive said, adding that it “remains committed to the homeowners insurance market and will
continue to offer homeowners, renters, condo, flood and umbrella policies.”
Progressive said dwelling fire represented 3.6% of the insurer’s property policies as of Sept. 30. During the insurer’s latest earnings call before the announcement to exit DP-3 was made, CEO Tricia Griffith said Progressive had been leaving the dwelling fire marketplace in many states, with regulatory approval in 22 states.
Progressive said other recent initiatives to increase property insurance profitability have included increasing the minimum required wind/ hail deductibles, mandating a roofing materials payment schedule endorsement in policies, and aligning agents
with the insurer’s underwriting quality expectations.
For some time, calling it the insurer’s “special sauce,” CEO Tricia Griffith has spoken at length of the insurer’s segmentation product models to match rate to risk. Griffith told analysts on the earnings call that the company continues to “make headway in our proper-
ty business with improved segmentation in our 5.0 product model and adjustments to our underwriting appetite.”
She added that the company continues “to have a really robust derisking program,” highlighting Progressive’s move last year to stop renewing more than 110,000 homeowners policies in Florida.
Safeco to Take Personal Lines Renewal Business of Main Street America
By Chad Hemenway
Liberty Mutual’s Safeco Insurance has agreed to take the personal lines business of Main Street America, marking the second time in two months that Safeco has stepped
in to assume a personal lines book of business from another insurer.
Main Street America, a Jacksonville, Florida-based insurer founded about 100 years ago in Keene, New Hampshire said in late August it was going to focus on
commercial lines for small businesses. It also writes farm and ranch, and fidelity and surety bond products.
“This represents one of the largest book transfer opportunities for Safeco and our agents and reinforces our position as a leading personal lines carrier for independent agents,” said Luke Bills, president of independent agent distribution, U.S. Retail Markets, Liberty Mutual Insurance. “This partnership will amplify our growth potential in several states and pave the way to expand our network of agency relationships,” he added. Main Street America’s renewal book of business
includes auto, home, renters, condo, umbrella, landlord, motorcycle, RV and watercraft policies, and expands Safeco’s presence in 22 states.
In September, Safeco Insurance said it entered into a book transfer agreement with Columbia Insurance Group, a Central and Midwest regional carrier. The Columbia, Missouri-based mutual agreed to transfer its entire personal auto and umbrella lines business in eight states to Safeco, effective for renewals at the start of 2025.
In 2021, title insurer First American Financial Corp. got out of the P/C insurance business with a book transfer agreement with Safeco and
2024 More of the Same in Commercial Auto Segment After $5B Net Loss in 2023
After the U.S. commercial auto insurance segment sustained a $5 billion net loss in 2023, a new AM Best report indicates further deterioration in the first half of 2024.
Despite targeted underwriting initiatives, including raising premiums to match the rising costs of claims, the commercial auto insurance segment continues to lag in comparison to other property/casualty lines when it comes to profitability.
In the report, “Different Year, Same Story: Deteriorating Commercial Auto Results,” AM Best said frequency and severity of accidents involving commercial automobiles are being negatively affected by distracted driving and the shortage of experienced commercial drivers.
Social inflation is also a key driver with respect to the line’s adverse loss reserve development.
With U.S. commercial lines performing
Heritage Insurance Holdings.
Safeco and Main Street America said the transition will begin in the second quarter of 2025, subject to regulatory approvals.
Main Street America became a part of American Family Insurance in 2018 and rebranded to Main Street America Insurance from Main Street America Group in 2020. The company said it writes more than $1.1 billion in annual premium — all via independent agents.
Richard Vaughn, head of sales at Main Street, said the agreement with Bostonbased Safeco “offers another option for our agents to continue to provide high quality service and protection for their personal lines clients.”
The insurer said many of its 4,000 independent agents are appointed with Safeco, and those who are not will be able to apply.
well overall, particularly in 2022 and 2023, commercial auto has been the weakest property/casualty line for more than a decade, producing net underwriting losses every year from 2013 through 2023, the report outlined. The combined ratio for the segment was 109.2 in 2023.
by the cost of components, especially in newer vehicles containing advanced technologies. The latest features and instrumentation require more electronics, which add to the cost of repairs when accidents occur, AM Best noted.
“The level of deterioration in 2022 and 2023 was notable, although it was due partly to the artificial improvement in results in the prior two years, owing to fewer private passenger and commercial vehicles on the road because of the COVID-19 pandemic,” said David Blades, associate director, AM Best. “This is reflected in our negative outlook for the segment, which we issued in March 2024.”
Loss severity has been exacerbated
The average cost of physical damage claims can be problematic, but third-party liability losses are driving the deteriorating commercial auto results the report noted.
“Social inflation, including the impact of nuclear verdicts, has been a large contributor to increased loss severity,” said Christopher Graham, senior industry analyst, Industry Research and Analytics, AM Best.
Progressive continues to lead its peers in commercial auto market share by a hefty margin.
$12M+
The amount a Michigan jury awarded to Lisa Domski, who worked at Blue Cross Blue Shield of Michigan for more than 30 years and lost her job there after declining to get a COVID 19 vaccination. The monetary award includes punitive damages of $10 million against the insurer, about $1.7 million in lost pay and $1 million in noneconomic damages. Domiski had claimed she was a victim of religious discrimination after Blue Cross in 2021 did not grant an exemption from its vaccine policy, despite her insistence that it clashed with her Catholic beliefs. Blue Cross denied any discrimination.
$70,000
The value of an engagement ring that Massachusetts’ high court ruled must be returned to the person who purchased it in a case involving the split-up of a couple who became engaged in 2017. The court’s decision ended a six-decade state rule that required judges to try to identify who was to blame for the end of the relationship in order to determine who gets to keep the ring. The court required Caroline Settino to return the ring to Bruce Johnson, who bought it.
Million
The approximate dollar amount Plains All American Pipeline has agreed to pay to settle a lawsuit over the 2015 Refugio Beach oil spill in Santa Barbara, California, Reuters reported. A pipeline operated by the company had ruptured and released an estimated 126,000 gallons of oil into the ocean and on the beaches. The state of California will receive $50.5 million from the settlement, while Aspen American Insurance will get $22 million.
$50,000
The amount of a fidelity bond nonresident surplus lines brokers working in Alabama must secure to be licensed in the state starting Jan. 1, according to the Alabama Department of Insurance. For years, resident brokers have been required to obtain fidelity bonds. Nonresidents’ bond requirements were brought about by recent legislative changes. The premium for a surety bond can start at about $375 and varies depending on the applicant’s credit rating, the ALDOI said.
Celebrate IICF’s 30th Anniversary by Giving Back: Join our Fight against Childhood Hunger
Dear IICF Board Members, Committee Members and Supporters,
In a time when we can so easily feel less connected to one another, an anniversary presents a special opportunity to celebrate the values of philanthropic giving and community service.
Help us celebrate 30 years of impact by raising funds for children struggling with hunger.
• Donations benefit IICF’s local nonprofit partners serving children in need: 1 in 5 children in the US and UK struggle with food insecurity
Join with your IICF Board and Committee Member Colleagues as we celebrate IICF’s 30th anniversary and the industry’s legacy of giving Monday, March 11 at 8:00 – 8:20 am PST
• We can help deliver 5 meals for every $1 donated on average
We will celebrate 30 years of impact and the industry’s legacy of giving by continuing our fight against childhood hunger. Donations to IICF’s 30th Celebration will benefit local nonprofit partners serving vulnerable children in need.
• Donors giving $30+ receive a complimentary annual IICF Global Membership
• All donors are recognized on IICF website: those contributing $1,000+ are designated as IICF Children’s Champions
Please join our Founders, fellow board members and community supporters from across the US and UK as we take a moment to celebrate together our contributions to local communities, build new connections and strengthen our commitment to others.
The call will be a short one – but one you will not want to miss! Happy 30th Anniversary, IICF!
Wendy Houser Chair, IICF International Board of Governors
Chief Wholesale O icer, Markel
Jodie Kaufman Davis Chair, IICF 30th Anniversary Committee
Bill Ross IICF CEO
With your help, we will surpass over 4 million meals delivered to hungry children in the US and UK through the IICF Children’s Relief Fund.
EVP, H.W. Kaufman Group and President, Burns & Wilcox Canada
Your support will help to fund IICF grants to our nonprofit partners:
Please confirm your participation by March 1st to Alexis Ziering at: aziering@iicf.org
Declarations
CO2 Highs
“We don’t see a sign of fossil fuel emissions peaking in 2024.”
— Said Pierre Friedlingstein, a climate scientist at the University of Exeter and lead author of The Global Carbon Budget report. The study, published during the U.N.’s COP29 climate summit in Azerbaijan, shows that global carbon dioxide emissions, including those from burning fossil fuels, are set to hit a record high this year, pulling the world further off course from averting more destructive climate extremes. The report by more than 80 institutions was led by the University of Exeter in Britain.
‘Unfair and Deceptive’
“The unfair and deceptive trade practices committed by defendants caused plaintiffs’ damages.”
— States a lawsuit filed by a group of Allstate subsidiaries against Hyundai and Kia to get back costs paid to insureds for damages when their cars suddenly erupted in flames. The lawsuit alleges Hyundai and Kia “purposefully and knowingly failed to recall millions of their defective vehicles containing potentially deadly defects, thereby putting countless lives at risk from 2006 to date.”
It claims Hyundai and Kia have issued 17 recalls to date but some of the fixes were not adequate.
Grocery Store Cyberattack
“Our teams are taking steps to assess and mitigate the issue. This includes taking some systems offline to help protect them. This issue and subsequent mitigating actions have affected certain Ahold Delhaize USA brands and services including a number of pharmacies and certain e-commerce operations.”
— Stated the Dutch company that owns Stop & Shop and Hannaford grocery stores across New England, regarding a cyberattack that has disrupted online shopping, product deliveries and pharmacy services at some locations.
Commercial Auto Losses
“Social inflation, including the impact of nuclear verdicts, has been a large contributor to increased loss severity.”
— Said Christopher Graham, senior industry analyst, Industry Research and Analytics, AM Best, regarding a new AM Best report showing further deterioration of the U.S. commercial auto insurance segment in the first half of 2024 after the segment sustained a $5 billion net loss in 2023. Despite targeted underwriting initiatives, including raising premiums, commercial auto continues to lag in comparison to other property/casualty lines when it comes to profitability, the report says.
Waymo L.A.
“Our service has matured quickly and our riders are embracing the many benefits of fully autonomous driving.”
— Said Tekedra Mawakana, co-CEO, Waymo, in a statement about its autonomous ride-hailing service, Waymo One, which is now available to everyone in Los Angeles. The company said nearly 300,000 people had joined its waitlist after it started commercial operations in the city earlier this year, signaling strong demand. Mountain View, California-based Waymo started its first U.S. driverless taxi service in 2020.
Fire Warnings
“Now is not the time to burn leaves. Now is not the time to go outside and light a fire out back and sit around. … My ask to the public is that you do everything you can to minimize the risks.”
— Urged Massachusetts Governor Maura Healey as the state remained under a red flag warning due to due to high winds and severe drought conditions. Officials said most of the fires already burning across the state have been caused by humans, including by a failure to fully extinguish campfires. State parks have imposed burn bans as have numerous communities along with water use restrictions.
News & Markets
Federal Judge Strikes Down Biden Overtime Pay Rule
By Daniel Wiessner
Afederal judge in Texas permanently blocked a Biden administration rule that would have made about 4 million more salaried U.S. workers eligible for overtime pay. U.S. District Judge Sean Jordan in Sherman, Texas, said the U.S. Department of Labor rule that took effect in July improperly bases eligibility for overtime pay on workers’ wages rather than their job duties.
The state of Texas and business groups representing a range of industries had filed lawsuits challenging the rule, which had been consolidated.
Jordan, who was appointed by Republican President-elect Donald Trump in his first term, struck down the rule in mid-November after saying in June that it was likely invalid and temporarily blocking it from being applied to Texas state employees.
The rule would have required employers to pay overtime premiums to salaried workers who earn less than $1,128 per week, or about $58,600 per year, when they work more than 40 hours in a week, beginning Jan. 1, 2025, and it had temporarily raised the threshold to about $44,000 per year on July 1. The previous threshold of about $35,500, which was set in 2019, will now be back in effect.
The Labor Department and the office of Republican Texas Attorney General Ken Paxton did not immediately respond to requests for comment.
David French, executive vice president of the National Retail Federation, one of the groups that sued, said the rule would have curtailed retailers’ ability to offer greater benefits to lower-level salaried employees.
The Labor Department can seek review of the ruling in the New Orleans-based 5th U.S. Circuit Court of Appeals, which is widely regarded as the most conservative federal appeals court. But the incoming Trump administration could abandon any attempt to revive the rule.
Federal law exempts workers with
“executive, administrative, and professional” (EAP) duties from receiving overtime pay, and the Labor Department has for decades used salary as one factor in deciding when that applies.
The Labor Department, in adopting the rule, said that lower-paid salaried workers often do the same jobs as hourly employees, but work more hours for no additional pay. The rule also established automatic increases in the salary threshold every three years to reflect wage growth.
Jordan agreed with Texas and the business groups that by substantially raising the salary level, the rule improperly jettisoned the duties requirement written into federal law. “The Department may
impose some limitations on the scope of the EAP Exemption’s operative terms, but it cannot enact rules that replace or swallow the meaning those terms have,” Jordan wrote.
Copyright 2024 Reuters.
Business Moves
National
Vertafore, Surefyre
Insurance software-as-a-service provider Vertafore has acquired Surefyre, a submission and underwriting platform for managing general agencies and wholesalers.
Denver-based insurtech Vertafore said Surefyre’s artificial intelligence-enabled solution will be added to Vertafore’s ecosystem of MGA solutions to accelerate speed to market, reduce costs and boost revenue.
San Francisco-based Surefyre’s cloudbased technology platform includes: A modern, fully configurable agent-facing portal that supports the complete policy lifecycle and enhances collaboration between agents and underwriters; an underwriter workbench that enables MGAs to rate and quote specialty property/casualty business seamlessly across systems, driving efficiency and prioritizing the most profitable opportunities; and AI-powered solutions, including automated agent portal configuration to accelerate speed to market and additional AI-driven features to streamline the submission and risk selection process.
East
World Insurance Associates, Skylands Insurance Group
National insurance broker World Insurance Associates reports it has acquired the business of Skylands Insurance Group of Flanders, New Jersey.
Skylands was founded in 2017 and provides commercial and personal lines property, casualty, life and health insurance under the leadership of Rhonda Linnett Graber, president, World Insurance Associates is headquartered in Iselin, New Jersey. Founded in 2011, World has completed more than 200 acquisitions and has more than 250 offices across the United States. World is ranked #15 on the Top 100 P&C Agencies list by Insurance Journal, #19 on the Top 50 Personal Lines Agencies list and #19 on the Top 50 Commercial Lines Agencies list.
Risk Strategies, Felsen Insurance Services
North American specialty insurance brokerage Risk Strategies acquired Felsen Insurance Services Inc., a New Jerseybased agency offering commercial and personal property/casualty insurance.
Established in 1985, Felsen is headquartered in Denville, New Jersey, and led by its founder, Paul Felsen. The agency’s primary focus is providing insurance for real estate, condominium associations, high net worth individuals, and religious institutions.
According to Rob Rosenzweig, New York regional leader for Risk Strategies, the deal gives his firm more expertise in condominium and high net worth risks, while also expanding its presence in the market for religious institutions.
Felsen’s work for religious institutions has been focused on the needs of synagogues and temples and their associated operations, including day care centers,
youth group activities, in-house catering, a cemetery, and rare artifacts like Torah scrolls.
In addition, Felsen has expertise in providing risk management or condominium associations and a high net worth practice that works with professional athletes and coaches.
Boston-based Risk Strategies is part of Accession Risk Management Group, a North American specialty brokerage firm. It boasts more than 30 specialty industry and product line practices in more than 200 offices across the country.
Midwest
Arthur J. Gallagher, Peabody Insurance
Arthur J. Gallagher & Co. acquired Fenton, Michigan-based Peabody Insurance Agency Inc. (Peabody Insurance).
Peabody Insurance is a retail insurance agency serving commercial and personal lines clients primarily in southeast Michigan with specializations in construction, manufacturing and multifamily real estate.
Jim Peabody, Grace Peabody-Ljoljic, their family and team will remain in their current location under the direction of Sean Gallagher, head of Gallagher’s Great Lakes region retail property/casualty brokerage operations.
Arthur J. Gallagher is an insurance brokerage, risk management and consulting services firm headquartered in Rolling Meadows, Illinois.
South Central
Monarch E&S, PIE
Monarch E&S Insurance Services (Monarch E&S), a division of Specialty Program Group LLC, announced it has acquired the assets of Professional Insurance Executives Inc. (PIE), a contract binding/brokerage business located in Garland, Texas.
Monarch E&S said the acquisition strengthens its ability to offer comprehensive insurance solutions and reaffirms its leadership position in the contract binding market.
PIE was founded by Bruce Hart, who brings over 40 years of insurance industry expertise.
World Insurance Associates, The Firm of Louisiana P&C, The Firm of Louisiana P&C, Insure Plus, The Firm of Cenla, Creekside Risk Management
World Insurance Associates LLC (World) reported it has acquired the business of five entities based in Louisiana and Texas.
The Louisiana agencies are The Firm of Louisiana P&C LLC (Lake Charles), The Firm of Louisiana P&C Inc. (Lake Charles), Insure Plus LLC (Baton Rouge), and The Firm of Cenla (Alexandria).
World also acquired Creekside Risk Management LLC in Houston.
The entities are mainly property/ casualty specialists, providing insurance to individuals and businesses.
Giordano, Halleran & Ciesla provided legal counsel and Alvarez & Marsal advised World on the transaction. Greenberg Traurig LLP provided legal counsel, and MidCap Advisors LLC advised the entities on the transaction. No other advisors, diligence firms, or legal counsel were disclosed.
Hub International, ANCO Insurance Managers
Hub International Limited acquired the assets of ANCO Insurance Managers Inc. (ANCO Insurance).
Headquartered in Bryan, Texas, with six additional offices, ANCO Insurance is one of the largest independent insurance brokerages in the state. It has offered solutions for employee benefits, business and personal insurance coverage for more than 150 years. ANCO Insurance currently serves thousands of business and personal clients throughout Texas and beyond and employs more than 150 people.
ANCO Insurance will be referred to as ANCO Insurance, a Hub International company.
Chicago, Illinois-based Hub is an insurance broker and financial services firm providing risk management, insurance, employee benefits, retirement and wealth management products and services.
Inszone Insurance Services, LIA Texas
Inszone Insurance Services announced the acquisition of LIA Texas,LLC, an agency based in Dallas, Texas.
Founded in 1984 by Bobby and Emma Lyons, LIA Texas LLC — known as Lyon’s Insurance Agency — has built a reputation over nearly four decades of dedicated service. With a focus on both commercial and personal insurance lines, the agency has specialized in serving artisan contractors and providing surety bonds to existing clients.
Sacramento, California-based Inszone is an insurance brokerage firm that provides property/casualty insurance and employee benefits services.
West
Arthur J. Gallagher, Statewide Commercial Insurance Brokers
Arthur J. Gallagher & Co. acquired Altadena, California-based American Matar International Inc., dba Statewide Commercial Insurance Brokers.
Lana Matar and her team will remain in their current location under the direction of Scott Firestone, head of Gallagher’s Southwest region retail property/casualty brokerage operations.
Statewide Commercial Insurance Brokers is a retail property/casualty insurance agency specializing in construction contractors for commercial clients in California and several other U.S. states.
Arthur J. Gallagher is an insurance brokerage, risk management and consulting services firm headquartered in Rolling Meadows, Illinois.
Hub International, Western Growers Insurance Services
Hub International Ltd. acquired the retail insurance brokerage business of Western Growers Insurance Services in a move aimed at expanding Hub’s services in the agribusiness industry.
WGIS has 10 offices located in California and Arizona. The firm provides risk mitigation and management solutions, including insurance products and employee benefits. Their focus on the agribusiness and farm industry supports Hub’s Specialty practices
by complementing and strengthening its existing capabilities.
Joining Hub CNC are the WGIS team including Jeff Gullickson, president of WGIS; Jodi Martin, director, employee benefits leader; Natalie Berend, senior director, P/C leader; and Ken Cooper, director, operations and risk strategy leader.
Gullickson will become head of the agribusiness practice in the region and will continue to serve in his position as president of WGIS following the transaction.
Western Growers represents local and regional family farmers growing fresh produce in California, Arizona, Colorado and New Mexico.
Inszone Insurance Services has acquired Nugent Insurance Brokers LLC in Chico, California.
Valerie and Tom Nugent Jr., and Tom Jr.’s daughter, Marissa, will remain with Inszone. Nugent Insurance will also expand into personal lines by gaining access to Inszone Insurance’s markets and services.
Inszone also acquired Springbrook Insurance Agency in San Diego, California. Charlene and John Drapp will be staying on after the transition to Inszone Insurance.
Springbrook Insurance Agency offers insurance services with a primary focus on commercial lines and non-profit organizations.
Inszone is based in Sacramento, California.
Hub International, R.K. Gore & Associates
Hub International Ltd. acquired the assets of R.K. Gore & Associates in Lehi, Utah.
Robert Gore, owner, and the R.K. Gore & Associates team will join Hub Southern California and Utah. R.K. Gore & Associates will be referred to as R.K. Gore & Associates, a Hub International company.
R.K. Gore & Associates is an independent insurance agency specializing in insurance services for the residential construction industry.
National
Marsh, a business of Marsh McLennan headquartered in New York City, named Will Thomas-Ferrand head of captive insurance beginning Jan. 1, 2025.
Thomas-Ferrand currently serves as the international practice leader of Marsh Captive Solutions. A 20-year veteran of the firm, ThomasFerrand has held various roles.
Ellen Charnley, current president of Marsh Captive Solutions, will retire at the end of 2024.
Applied Underwriters
Aerospace, headquartered in Atlanta, has named Richard Parker chairman of the Washington, D.C.-based group.
Parker has over 35 years of experience in space insurance, satellite engineering and satellite and launch vehicle procurement. Before joining Applied Underwriters, he served as co-head of space at Canopius US and was divisional president and co-founder at Assure Space.
H.W. Kaufman Group, headquartered in Farmington Hills, Michigan, named Danny Kaufman and Jodie Kaufman Davis
co-presidents.
Alan Jay Kaufman will continue serving as Kaufman’s chairman and chief executive officer.
In addition to his current role as president of Burns & Wilcox in the U.S., Danny Kaufman is responsible for the Burns & Wilcox brokerage and Canadian divisions. The leadership for both divisions report to him.
Benson joined Chubb in 2005 and has over 20 years of insurance industry experience, most recently serving as executive vice president and chief revenue officer for Chubb’s middle market division.
Kaufman Davis will become vice chair of Atain Insurance Companies while retaining oversight of RB Jones. She will continue to be responsible for Kaufman’s businesses outside North America. Hub International Limited, headquartered in Chicago, named Tim DeSett North American commercial lines president. DeSett is responsible for developing HUB’s Commercial Lines strategy and driving organic growth.
The Hartford, headquartered in Hartford, Connecticut, expanded Michael Garrison’s role to include the international division in addition to his current responsibilities as head of the company’s U.S. wholesale organization.
Carl Bach, head of international and CEO of Hartford Underwriting Agency Limited, the Lloyd’s of London managing agency for Syndicate 1221, will report to Garrison.
previously served as president of Hagerty and a director of Hagerty International Holdings Ltd. Butcher also spent a substantial part of his career in executive leadership roles at Marsh McLennan Agency and Marsh’s U.S. and Canada business.
Midwest
With more than 30 years of experience in the insurance industry, DeSett most recently served as executive vice president, property/ casualty, at NFP.
The Hartford also named Rick Ciullo head of Global Specialty’s U.S. retail businesses, broadening his role overseeing bond and credit and political risk to include environmental, financial lines, ocean marine, livestock and related retail-focused distribution.
East
HDI Global Insurance Company, the U.S. subsidiary of international corporate and specialty insurer HDI Global SE (HDI), headquartered in Chicago, appointed Thomas Long U.S. casualty lead.
With an insurance career spanning over 35 years, Thomas most recently served as assistant vice president of construction with Arch Insurance Group Inc.
Alliant Insurance Services, headquartered in Irvine, California, hired Mike Jenkins as senior vice president within its Alliant Americas division.
Chubb, headquartered in Whitehouse, New Jersey, appointed Tim Benson executive vice president, multinational insurance leader. B ased in Philadelphia, Benson succeeds Laura Vest, who is retiring from the company.
Vantage Insurance Partners Inc., a New York-based insurance brokerage and risk management consulting firm, appointed Jack Butcher chief executive officer. He succeeds former CEO Alex Panlilio. Butcher has more than three decades of experience in the insurance industry. He
Based in Overland Park, Kansas, Jenkins specializes in underwriting management, team leadership, large loss-sensitive property programs and captives.
Rob Grant joined Alliant as senior vice president, producer within its employee benefits group in Chicago.
Grant has over 25 years of experience in the insurance industry, most recently serving
Will Thomas-Ferrand
Richard Parker
Danny Kaufman
Kaufman Davis
Tim DeSett
Tim Benson
Rick Ciullo
Thomas Long
Jack Butcher
Rob Grant
as senior vice president at Lockton Companies.
Novatae Risk Group named John Catrabone as vice president of carrier relations.
Based in Ohio, Catrabone has more than 30 years of experience in various insurance industry sectors.
Novatae is headquartered in Dallas.
Grange Insurance Company, headquartered in Columbus, Ohio, named Nicole Carter vice president, personal lines sales and strategic distribution, effective Jan. 1, 2025.
Carter has nearly 30 years of experience in the insurance industry. Before joining Grange, she served as director of national accounts for Allstate.
Southeast
US Premium Finance, a division of Atlanta-based Ameris Bank, named Alan Malone director of sales and marketing.
Malone has more than 30 years of experience in insurance premium finance. He was previously senior vice president and regional sales manager at AFCO Direct, another premium finance firm.
West
Pete Galla joined Alliant Insurance Services as executive vice president and senior director, Alliant Specialty, within the company’s mergers and acquisitions vertical.
South Central
Tokio Marine HCC (TMHCC), based in Houston, Texas, appointed David Perez president, Excess Casualty.
Perez brings nearly four decades of experience to the new division. He joins TMHCC from Liberty Mutual where he served as chief underwriting officer, Global Risk Solutions.
Ron Novak joined Alliant Insurance Services as senior vice president and producer within its employee benefits group.
Novak, based in Greater Fayetteville, Arkansas, has 29 years of insurance industry experience. Most recently, he served as senior vice president, Relation Insurance Services.
Curt Perata and Brian Quinn have been named vice chairmen in the region.
Ferree will continue as co-lead of EPIC’s Pacific Central territory and will take on an expanded role as regional president of EPIC’s Northern California region.
Sitzmann is the managing principal for EPIC’s Lafayette, California, office and will add the role of chief operating officer for the new region.
Pawlo is executive managing principal, employee benefits and will continue in this role in the new region.
Perata and Quinn take on expanded roles as vice chairmen of EPIC’s Northern California region.
Galla has more than 25 years of experience in the insurance industry. He most recently served as deputy head of the industry vertical division and head of P/C, private equity and transaction solutions at WTW.
Alliant is headquartered in Irvine, California.
EPIC Insurance Brokers & Consultants in San Francisco appointed several leadership members to its Northern California team.
William Ferree will lead the Northern California region as regional president, and Matt Sitzmann will be chief operating officer. Both will work with Robyn Pawlo, who will assume the role of executive managing principal, employee benefits.
based in Portland, Oregon, most recently served as vice president of USI’s Personal Risk practice.
Risk Strategies is headquartered in Boston.
Florida-based USG Insurance Services Inc. hired Tiffany Francis as an associate producer/broker with their garage division team.
Francis, based in Alpine, California, entered the insurance industry eight years ago and most recently served as a renewal garage underwriter with Risk Placement Services Inc.
Hub International Ltd. appointed Andrew Forchelli executive vice president of HUB California, effective Jan. 1, 2025.
He will cover existing operations in Northern and Southern California while maintaining his roles as president of HUB LAOC and president of HUB’s national entertainment and sports specialty practice.
Forchelli has been with HUB for more than 10 years and has worked in the insurance industry for 22 years.
Risk Strategies named Jeff Clinkscales senior vice president, private client services leader for the west region.
Clinkscales,
Burns & Wilcox named Tom Carvalho managing director of the company’s San Francisco, Seattle and Portland offices.
Carvalho, who is based in San Francisco, joined Burns & Wilcox in 2011 as an associate underwriter. He most recently served as associate managing director.
Burns & Wilcox is headquartered in Farmington Hills, Michigan.
LP Insurance Services LLC in Reno, Nevada, added Travis Reed to its commercial lines team in northern Nevada. Reed has more than 10 years of insurance industry experience, most recently as a sales executive with Alpine Insurance Associates.
Nicole Carter
Alan Malone
Peter Galla
Andrew Forchelli
Jeff Clinkscales
Tom Carvalho
Travis Reed
Closer Look: Electric Vehicles
Verisk: A Shift to More EVs on The Road Could Have Far-Reaching Impacts
By Allen Laman
What emerging risks could electric vehicles present as they become more widespread?
Experts at Verisk recently explored the current EV landscape and hypothesized what insurance concerns the vehicles could prompt in the future. During a webinar presentation, Greg Scoblete, a principal on Verisk’s Emerging Issues team, said a shift to more EVs on the road could have far-reaching impacts.
“Without being overly dramatic, I do think it’s fair to say that this is a transition that could potentially represent a very profound shift with sweeping consequences impacting not just our vehicle fleets, but possibly also our infrastructure, our energy grids, our health, our environment, our
supply chains, our domestic manufacturing base and more,” Scoblete said.
A transition to electric vehicles may influence more than auto exposures — property, liability and cyber risk could be impacted, too, he added.
Electric Vehicle Market Landscape
According to data from Kelly Blue Book, EVs represented 9% of all new cars sold in September. KBB noted that last quarter, Americans bought 11% more EVs than they had in the same quarter a year before, and that 26,626 used EVs were bought in September — marking a 68.3% increase from September 2023.
Looking ahead, Bloomberg NEF projected in July that a third of new car sales could be EVs by 2027. That’s the year the EPA’s new vehicle emissions rules
will begin to be phased in. Those rules are expected to be fully in place by 2032. Federal tax credits could accelerate EV sales, Scoblete explained, though he did acknowledge that could look different following the presidential election. (The Verisk webinar was held on Monday, Nov. 4.) The United States currently has more than 100,000 public or private EV charging ports, with the Biden Administration setting a goal of reaching 500,000 by 2030.
Battery Fires and Thermal Runaway
Although EV battery fires may be low-frequency events, they could potentially contribute to claim severity given how flammable “everything may be around them,” Scoblete said.
Citing data from the National Transportation Safety Board, Bureau
of Transportation Statistics and government recalls, researchers at AutoInsuranceEZ found that electric vehicle fires occur less frequently than traditional and hybrid vehicle fires. Per the findings, EVs catch fire at a rate of about 25 incidents per 100,000 sales. That number is less than gas-powered (about 1,530 fires per 100,000 sales) and hybrid cars (about 3,475 fires per 100,000 sales).
Nevertheless, Scoblete explained that when an EV battery enters thermal runaway, it can burn significantly hotter than an internal combustion engine and require “a lot more water to extinguish,” meaning it can take longer to put the fire out.
And, if energy is left in the battery after the fire has been extinguished, there’s a risk that energy can trigger a new thermal runaway, he said, adding that the risk can be for hours, days and even weeks after the fire has been extinguished.
“But it does continue to be the case, at least according to public data sources, that EV fires do not appear to happen more frequently than internal combustion engine fires,” Scoblete said, noting that this finding extends beyond U.S. EVs and to the international level.
Fire Proximity Poses Potential Property Risks
The EV FireSafe database reported last year that 18% of EV fires occurred when vehicles were charging. Two percent occurred within an hour of disconnecting from the charger. Charging-related fires could pose a concern to nearby property, Scoblete said, as EV fires can burn very hot and take a long time to put out.
“The other related issue here is that cars and homes — and a lot of home furnishings, in general — have just become more flammable over time,” Scoblete added. “That’s because the materials that are used inside vehicles, used inside a lot of home furnishings, include plastics. Plastics derived from fossil fuels, which are highly flammable, other synthetic materials are also highly flammable.”
Right to Charge legislation in some states generally stipulates charging station requirements for buildings, Scoblete explained. This could be another factor,
he said, that determines where and how close that infrastructure may be placed to adjacent property.
Cyber Risks Potentially Presented at Charging Stations
Heavy Duty Trucking reported in late 2022 that since 2010, there had been a 344% increase in cyberattacks against vehicles.
Scoblete noted that the cyber vulnerabilities of an electric vehicle may not be all that much different from other modern, connected vehicles — even if some modern EVs do seem to have more sophisticated software control.
“But there is a very important distinction here,” he said, “and that is the charging stations. The charging stations can act, at least potentially, as another vector that spreads malware to an EV. But not just necessarily passing electrons to cars; it can also be a data transfer as well.”
Compromising one aspect of the EV
ecosystem — the vehicle, charging equipment, cloud or other infrastructure — with malware does create the potential risk of progression throughout the ecosystem, Scoblete said.
“Even up to and including electrical utilities,” he said. He added that the charging stations themselves are a cyber vulnerability because they can collect sensitive customer data and could be vulnerable to hacks, in theory.
Go Deeper
The full webinar included information about how electric vehicles could impact road infrastructure and tighten battery supply chains. Bi-directional charging, electric vehicle adoption in commercial auto and more were also explored during the presentation. To view the webinar, visit: https://core.verisk.com/Insights/ Emerging-Issues/Articles/2024/November/ Week-2/Emerging-Risks-of-the-ElectricVehicle-Transition-Webinar-on-Demand.
Don’t let hard-to-place risk slow you down. Our in-house underwriting team delivers instant answers and quotes, and we can typically bind in just 24 hours. Win more business with broader coverage at better rates - fast. Get an instant quote at aiu-usa.com.
Spotlight: Liability
US High Court Declines Appeal, Upholds Coverage Ruling on Treated Wood
By William Rabb
Insurance carriers may want to examine policy language — and what information they request from insureds — after the U.S. Supreme Court let stand a lower court’s ruling which could force Argo Group to cover claims that a wood-treating company caused a South Carolina fence builder’s cancer.
The Supreme Court declined to hear an appeal from Argonaut-Midwest Insurance Co., a specialty insurer that had written commercial liability coverage for a treating company later purchased by Koppers Performance Chemicals Inc. The declination to hear the case essentially upholds a U.S. 4th Circuit Court of Appeal ruling from June 2024 that found that Argo’s policies, while ostensibly for Koppers’ Hawaii operations, applied nationwide.
A close-up shot of pressure-treated wood
sued New York-based Koppers and other lumber companies in 2014.
Riley alleged that he had developed cancer from years of exposure to chromated copper arsenate, the green-tinted, arsenic-containing compound that was widely used for decades to make lumber resistant to decay, fungus and termites.
The federal government in 2003 struck an agreement with the wood industry to end the use of arsenate, but CCA is still employed for some in-ground lumber applications.
in which the fence builder said he had been exposed since birth due to the family’s regular use of treated lumber in its long-running fence business. Riley grew up in the business locale and later worked in the fence operations.
The appellate judges found that this information should have prompted a duty to defend the lawsuit against Koppers. The 4th Circuit cited previous court rulings that held that extrinsic information, outside of a lawsuit complaint, can alert an insurer to the possibility of coverage.
“Riley’s deposition testimony indicated that Riley was alleging exposure since birth. That was enough to trigger a duty to defend,” 4th Circuit Judge Marvin Quattlebaum wrote in the June opinion. “Accordingly, Argonaut has failed to show that there is no genuine issue of material fact as to whether a possibility existed that Koppers would have incurred liability for a claim covered by the policies in the Riley lawsuit.”
The 4th Circuit judges explained that the treating operations were in Hawaii, as Argo had argued, but the policy language does not limit coverage to that state.
“The policies define ‘policy territory,’ in relevant part, as ‘(1) the United States of America, its territories or possessions, or Canada,’” the appeals court noted. “Nowhere do the policies expressly limit commercial general liability coverage to bodily injury arising out of the Hawaii locations listed in the policies.”
The court applied Hawaii contract and insurance law, interpreting the ambiguity in the policies in favor of the insured. But the case began a half a world away, when fence builder Phillip Riley and his wife
Riley’s lawsuit, like thousands that were filed across the country, contends that Koppers and others failed to warn of the dangers of CCA before it was discontinued. When Riley may have been exposed to the toxins proved to be a key point in the case. Argonaut-Midwest noted that the Koppers policy period was from 1979 to 1982, when Riley was just a toddler, well before he began working in his family’s fence business. A lower court found that Koppers’ initial complaint, in its suit against Argo after lawsuit defense and coverage was denied, did not clearly allege that the injury happened during the policy period.
But the 4th Circuit judges pointed out that Argo, after the lawsuit was filed, had requested more information from Koppers about the dates of Riley’s alleged exposure. In response, Koppers provided Riley’s deposition testimony,
The case now goes back to the federal district court in South Carolina to determine the extent of Argo’s legal defense and coverage liability for Koppers. “Because Argonaut alleges that its duties to defend and indemnify hinge on its counterclaims, we remand this matter for further proceedings,” the 4th Circuit judges wrote.
Argo Group, a subsidiary of Brookfield Wealth Solutions, and its attorneys in the case declined to comment on the court decisions.
News & Markets
US Product Recalls on Pace to Hit 6-Year High: Report
If the pace of product recalls continues in the fourth quarter, the number will reach a six-year high by the end of the year, a new report from Sedgwick shows.
Year-to-date there have been 2,454 product recalls across five key industries, according to the recently released report.
Defective units increased to 580.4 million for the period, up from 528.7 million in the same period in 2023 — a 9.8% yearover-year increase that was primarily driven by growth in three industries: medical device, which rose 134.5%; U.S.
Department of Agriculture food, up 112.7%; and consumer product, up 38.5%.
In the third quarter, both recalls and defective units fell from the previous quarter, but that trend typically reverses during Q4 due to year-end consumer behavior and other external factors, according to Sedgwick.
Other findings in the report include:
• Automotive recalls fell by 3.3% in Q3, from 243 in Q2 to 235. However, the number of affected units rose 43.6% quarter-over-quarter to 7.14 million.
• The consumer product industry saw recalls fall 20.9%, from 86 in Q2 to 68 in Q3. Defective units also fell 73.9% from 39.07 million in Q2 to 10.18 million.
• In the food and drink sector, the U.S. FDA recorded a 5.9% drop in recalls to 111 events and a 52.2% reduction in affected units to 4.62 million. In contrast, USDA recalls rose 50.0% in Q3, with affected units surging by 5,366.7%, primarily due to a major recall for Listeria contamination.
• The medical device industr y was the only other sector to see more recalls in Q3 than in Q2. There were 262 events, an 8.3% increase over the 242 events in Q2.
• Pharmaceutical rec alls dropped 24.7% to 70 events in Q3. Conversely, defective units rose 80.2% quarter-over-quarter to 8.19 million.
Count On Us.
Spotlight: Flood Risk
Flood Adaptation Preferable to Post-Disaster Rebuilding –And It Helps With Insurability
By L.S. Howard
Economic losses caused by natural catastrophes
reached an estimated US$280 billion in 2023, with US$51.6 billion of that total due to floods, according to Swiss Re Institute.
As climate change intensifies extreme weather events and rapid urban sprawl increased asset values in high-risk areas, these flood losses are likely to keep rising, said Swiss Re in a report titled “Resilience or rebuild? The costs and benefits of climate adaptation measures for flood.”
The report answers the question in its title: Boosting flood resilience is preferable to rebuilding after a flood and has the added benefit of helping with the long-term insurability of these risks.
“Proactive flood adaptation
provides stable financial and social benefits, unlike the high costs of post-flood recovery and rebuilding. Minimizing flood risk also makes insurance easier to obtain and more affordable, which is crucial as climate change intensifies and causes more frequent weather-related disasters.”
If governments and public authorities help manage the impacts of natural catastrophes through risk mitigation actions
that focus on avoiding and reducing future natural catastrophe losses, “the residual risk can be transferred appropriately to the re/insurance industry, supporting post-disaster economic stability and growth,” Swiss Re said.
“Over the past five decades, floods caused almost one-third (31%) of natural catastrophe losses,” the report added. “Consequently, focus on flood and climate adaptation has increased, with the governments in 85% of countries implementing climate adaptation plans.”
However, Swiss Re Institute noted many countries still refrain from prioritizing adaptation investments despite seeing repeated significant floods, which are the most common urban natural catastrophe — affecting 58% of cities worldwide.
Benefits of Risk Transfer
Swiss Re said the re/ insurance industry can assist governments and policymakers with their understanding of risk exposures, while offering capacity and de-risking solutions to aid in the development of interventions, ensure rapid recovery, and manage residual risks.
“All interventions can be beneficial for insurers and policyholders,” the report said. “If government agencies sufficiently and transparently inform insurers of measures they have taken, it can be the basis for insurers to revisit their risk modelling.”
‘No single flood adaptation method will be ideal for every situation, and flood risk cannot be completely eliminated.’
The report cited the example of homeowners’ insurance premiums, which dropped by 34% for more than 500 houses after the construction of a flood levee in Roma, Queensland, Australia, following floods in 2012.
“Whilst re/insurance is traditionally a tool to manage the after-effects of significant shocks and events, it can also support risk mitigation, resilience building and adaptation investments through innovative solutions and early involvement in design and planning,” the report added. continued on page 24
Cars piled up in the street following floods in the Sedaví area of Valencia on Oct. 30, 2024; Photo credit: David Ramos/Getty Images Europe
Spotlight: Flood Risk
continued from page 22
“Including insurance at the planning and design stage can help enable the building of resilient infrastructure, as insurance provides financial protection against delays and damage, so projects can remain on time and within budget, delivering target returns and attracting investment,” Swiss Re said.
“When governments shift risk to the private sector through insurance, they need to retain less capital for disaster recovery efforts. This frees up funds that can be redirected into risk prevention and adaptation.”
Investments in Adaptation Lagging
Despite enduring significant floods, many countries still refrain from prioritizing adaptation investment, Swiss Re said, noting that protective measures such as dykes, dams and flood gates come at a price, but their financial benefits can exceed costs for rebuilding after a disaster by up to 10 times.
Highly flood-prone countries, such as New Zealand, Australia and Germany, currently emphasise post-flood rebuilding over pre-event adaptation, the report said.
For example, Deloitte in 2016 revealed that central and state government spending in Australia on natural catastrophe building resilience was A$100 million per year and funds spent on disaster recovery were A$2.75 billion per year, said Swiss Re, quoting the Deloitte report titled “Building Australia’s resilience to natural disasters,” which was published in March 2016.
“This is despite the fact that
pluvial and fluvial floods alone cost Australia A$8.8 billion every year,” the Swiss Re report said, noting that in 2024 the Australian federal disaster recovery support to states reached A$11.4 billion.
“By investing in adaptation, companies can reduce their physical risk, and governments can reduce the risk to public assets and communities. Flood adaptation measures can be considered by insurers in their risk assessments. Quantifiable risk reduction can in turn be reflected in future insurance premiums, limits and offers of cover,” the report stated.
“Investments in climate adaptation, such as flood preparedness, not only promote economic stability and create jobs, but also help keep people safe,” commented Veronica Scotti, chairperson Public Sector Solutions at Swiss Re, in a statement accompanying the report.
“Yet there is chronic underfunding. It is therefore crucial to create the conditions for private capital to flow into climate adaptation projects and at the same time optimise the use of public funds. Quantifying the benefits of
adaptation measures is a key step towards facilitating public-private investment and ultimately closing the huge financing gap,” Scotti said.
Best Flood Adaptation Methods
To determine the best flood adaptation methods to ensure a community’s health, safety, and economic stability, Swiss Re Institute suggested employing benefit-to-cost ratios (BCRs) as a standard measurement for comparison of these methods. (BCRs aid in the decision-making process by comparing the cost effectiveness and efficacy of flood adaptation initiatives and policies.)
The report highlighted the fact that in 2023, Swiss Re Institute assessed BCRs for adaptation to flood and heatwaves across a range of global studies and found the net economic benefits of interventions can outweigh the cost in a range between 2:1 and 10:1, in some cases even more.
“Using BCRs, we find that grey infrastructure, such as dykes and levees, has the greatest potential for reducing coastal flood damage. Coastal communities in developed regions with medium-to-low
sea level rise projections can maximise adaptation BCRs through dykes. Nature-based solutions should also be explored,” Swiss Re went on to say.
For river flooding, “detention areas have the highest BCR and could reduce expected annual flood damage in Europe by 75%,” the report said, explaining, however, that these solutions can be challenging to construct in areas of limited space and narrow floodplains.
“Strengthening existing dykes can cut river flood damages by 60% and offer the most economic benefits in densely populated areas,” the report added.
“No single flood adaptation method will be ideal for every situation, and flood risk cannot be completely eliminated,” Swiss Re cautioned. “The most appropriate way to manage flood risk will depend on localized factors such as: estimated annual damage; nature of flood risk; exposed population and assets; resources and costs involved; BCRs; available space; efficacy of an intervention; lifetime of increased resilience due to an intervention; and construction timelines.”
BUILD BETTER COVERAGE WITH COMPREHENSIVE CONSTRUCTION RISKS
News & Markets
Suspects Arrested After Videos Show Fake Bear Attacks in California for Insurance
Four Los Angeles area residents were arrested after a California Department of Insurance investigation reportedly found the suspects alleged-
ly committed insurance fraud by claiming a bear had caused damage to their vehicles. It turns out it was a person in a bear costume.
Ruben Tamrazian, 26, of Glendale, Ararat Chirkinian, 39, of Glendale, Vahe Muradkhanyan, 32, of Glendale, and Alfiya Zuckerman, 39, of Valley Village, have all been charged with insurance fraud and conspiracy.
The CDI investigation began after an insurance company suspected fraud. The suspects claimed on Jan. 28 in Lake Arrowhead a bear entered their 2010 Rolls Royce Ghost and caused interior damage to the vehicle. They reportedly provided video footage to their insurer showing the alleged bear in the vehicle.
However, the investigation determined the bear was a person in a bear costume. Detectives reportedly found two additional insurance claims with two different carriers for the suspects with the same date of loss and at the same location. Each of the claims reportedly involved two different vehicles, a 2015 Mercedes G63 AMG and a 2022 Mercedes E350, and the suspects again appeared to use a bear costume to make it appear that a bear also entered and damaged those vehicles. The CDI had a biologist from the California Department of Fish and Wildlife review the alleged bear videos and verify it was a human in a bear suit. After executing a search warrant, detectives found the bear costume in the suspects’ home.
The insurance companies were reportedly defrauded of $141,839. Department detectives were assisted by the Glendale Police Department and the California Highway Patrol. The San Bernardino County District Attorney’s Office is prosecuting the case.
Idea Exchange: Is It Covered?
Logic & Language and Forms & Facts Insurance and Shrinkflation: Caveat Emptor!
Everyone is familiar with the significant price increases of many products and services in recent years. We call that “inflation” and it is essentially the reduction in value of a product or service based on the product or service remaining the same while its price increases.
By Bill Wilson
But price inflation is not the only way that products and services can decrease in value. Sometimes we lose value in a product or service due to “deflation,” more commonly referred to today as “shrinkflation.” This has been an issue, in particular, in the food industry where prices stay almost the same but the quantity of what’s purchased declines.
For example, a 28 oz. box of corn flakes might sell for $4.99. A year later, the price for a box of corn flakes might still sell for
$4.99, but the net weight in that box has been reduced to 24 oz. or less even though the box is still labeled “Giant Size.”
Some pundits have questioned not just the ethics of this practice, but whether it should be illegal to give the impression to a consumer that the product hasn’t changed.
A few months ago, I ran across an article that examined the historical pricing of toilet paper with regard to the number of squares in a roll and the size of those squares. In a subsequent blog post, I pointed out that this may create the illusion that prices are steady when the reality is that there has been a measurable decrease in the value comparable to an actual price increase.
Insurance Shrinkflation
The property/casualty insurance industry is not immune from shrinkflation. After decades of broadenings of coverage in personal and commercial lines products, I believe more recently we’re seeing reduc-
tions in coverage, often to keep prices from increasing due to inflation, increased loss frequency and severity, and other causes. My personal lines account just renewed at about the same price it has been for the past three years. I feel lucky given the amount of feedback I get from agents in the trenches with regard to prices increases of 50%-200%. However, I did have one reduction in coverage with regard to roof damage. My insurer, like many if not most insurers, has introduced an age-based depreciation scale and increased the windstorm deductible for roof coverings. Fortunately, for me, my roof was replaced this year, so I’m covered for the full replacement cost, but I do have to contend with the higher deductible. The unfortunate side is that the reason I have a new roof is because I lost quite a bit of it with an EF1 tornado last year. But a coverage reduction like this beats a nonrenewal. In the insurance industry, this type of continued on page 26
Idea Exchange: Is It Covered?
continued from page 25
shrinkflation is not new but the reasons for it may be different than those in other industries. I wrote about this over 10 years ago in an article for Independent Agent magazine. Why do insurers reduce coverage? I think there are three main reasons.
First, many consumers are price shoppers and that’s all they consider. The perception that “insurance” is a commodity differentiated solely by price is fueled, I believe, by the industry’s incessant price-focused advertising. And it’s perpetuated by consumer articles and reporting that suggest that comparing the pricing of identical coverage limits and deductibles is an adequate way to distinguish between competing products.
I’ve made soapbox appeals for many years that insurers need to reconsider how they advertise, but sadly my suggestions seem to have fallen on deaf ears. I’ve suggested to regulators that, like pharma advertising, perhaps disclaimers should
be included with insurance advertising to make it clear to consumers that insurance policies vary by more than just price.
Second, sometimes insurers cannot get actuarially substantiated rate relief and, to ensure solvency, they have no choice other than to reduce coverage. Too often, rate requests are denied for political or other reasons, and insurers must then impose coverage restrictions or discontinue operations in that regulatory jurisdiction.
Third, some insurers simply sell inferior products to unsuspecting consumers, almost exclusively to those who shop solely on price. I’ve told the story many times of getting bids from tree service companies to remove 18 trees from my residence and asking, of course, for proof of insurance.
One of the bidders had purchased coverage through an E&S broker and carrier and I noticed that their CGL premium was barely $700. When I looked at the list of endorsements on the tree company’s declarations page, one of them excluded
any claims involving ongoing or completed operations. The insured essentially had no coverage for what he was doing. That’s quite a reduction in coverage and one he was completely oblivious to.
The Insuring Process
Almost six years ago, I wrote about three stages of the insuring process that could result in an uninsured claim.
The first stage is the failure to identify and/or quantify exposures to loss. This is why claims by insurtechs and even legacy insurers that they can insure you in minutes are so ridiculous. There’s a saying that, “What you don’t know can’t hurt you.” That absolutely is not true in this industry. What you don’t know can bankrupt you.
The second stage of the process involves insuring or risk managing known exposures. This is where the agent’s knowledge of the products he or she sells is critical to matching exposure to coverage, as is the underwriter’s ability to assist the agent in choosing wisely.
The third stage of the process is perhaps the most often overlooked. It involves quality-controlling policy deliverables. The agent needs to make sure that what the insured asked for is actually provided in the insurance contract. However, be aware that, in addition to forms and coverages specifically requested from the insurer, there will almost certainly be forms attached that were not requested. With regard to such additional forms, it is critical to “Be careful what you DON’T ask for.” Forms that reduce or limit coverage often can be removed or replaced by less onerous versions, either by simply asking or paying a small additional premium.
I’ll leave you with a quote from John Ruskin who said, “There is hardly anything in the world that some man cannot make a little worse and sell a little cheaper, and the people who consider price only are this man’s lawful prey.”
Wilson, CPCU, ARM, AIM, AAM is the founder and CEO of InsuranceCommentary.com and the author of six books, including “When Words Collide…Resolving Insurance Coverage and Claims Disputes.” He can be reached at Bill@InsuranceCommentary.com.
Idea Exchange: Minding Your Business
Industry Trends to Exploit for 2025 – Part One
Agency owners must observe and learn about significant new trends in the insurance industry. The following are three critical industry trends insurance agencies should track for 2025. Look for Part Two in January’s column.
2025 M&A Activity and Pricing
The field of buyers has shifted. The pace of acquisitions has slowed for a few reasons. In some situations, buyers are strategically slowing down. Some acquisition activity has been dampened by increased inflation and higher interest rates.
According to OPTIS Partners, the deal count is down 17% in 2024 compared to last year, mainly due to the increased cost of capital. Through the third quarter, 535 mergers and acquisitions were reported. They feel this is a return to an “old normal,” as the deal pace levels off but is still above the pre-2021 flow. They expect the pace to continue as the supply of agencies likely to be acquired in the next five years is significant, and the demand from the investing community remains strong.
The prices currently paid by publicly traded brokers, large regionals and agencies funded by private equity firms are still high. They will continue to be high for valuable, desirable firms. Since the supply is dwindling, the prices may be even higher for those that remain if they fit the profiles of the major buyers today. As long as insurance agencies remain profitable, there will be buyers. Some buyers with weaker balance sheets may be forced to the sidelines if interest rates do not decrease significantly.
According to our discussions with key acquirers, M&A activity is again expected to continue during 2025 with some
caveats. Here are some of their responses:
“Hub is on track to partner with 60+ great merger-partners in 2024 and expects to continue to be very active in bringing on merger-partners in calendar year 2025,” said Clark Wormer, M&A Director for HUB International.
Foundation Risk Partners (FRP) is approaching $700 million of annualized revenue by year-end 2024. They do not announce their transactions but are now in the top 20 largest U.S. independent agency brokers. They made numerous acquisitions this past year and will continue that trend in 2025. FRP is looking for more add-ons and new niches to spread nationwide.
and other newer buyers, including World Insurance, Relation, ALKEME and Patriot, are funded by private equity and venture capitalists. They continue to aggressively solicit and buy independent agencies.
Boston-based Risk Strategies, the retail subsidiary of Accession Risk Management Group, will close transactions totaling $65 million in EBITDA in 2024, adding in an agriculture specialty. The company expects to continue recruiting talent and remain acquisitive in 2025.
Alliant Insurance Services is headquartered in Irvine, California, and is the 5th largest broker in the U.S., with 130 offices. Though Alliant Insurance Services is viewed in the insurance distribution market as having exceptional organic growth year over year, 2024 has been a very strong year on the acquisition front. Alliant closed 24 acquisitions as of October 1 and will continue to seek high-quality businesses that fit well within one or more of their operations in 2025.
Inszone Insurance has already completed 42 acquisitions in 2024, with 10 more in the pipeline by year-end. Their goal for 2025 is to reach 60-70 acquisitions.
Arthur J. Gallagher will continue to be a good player in the acquisition field but they do not advertise the number and value of their transactions. However, they remain competitive and plan to add agencies throughout the country.
BroadStreet Partners, High Street, USI,
Acrisure, which had around 100 or more transactions each year from 2019 through 2022, has completed only 22 transactions for the first three quarters of 2024.
There is a broad spectrum of prices today when it comes to deals. Most down payments consist of approximately 80% cash price and the balance in stock.
Sometimes, the stock can be used for key perpetuation candidates to have equity that the seller and buyer want to ensure they remain in the agency after the sale. In this way, they feel a part of it and then have some skin in the game to stay on for years after the key owners retire.
We usually recommend that our sellers take stock as it can give them a significant additional amount of money when they sell it due to the high rate of growth these acquirers have compared to a typical independent agency. Many buyers have been averaging about 30% growth in stock value per year. Smaller books are purchased at around 6.0 to 8.0 times EBITDA. There aren’t many books or agencies today that do not command at least two times revenue at a minimum.
Internal Perpetuation
It is often difficult for small and medium
continued on page 65
By Catherine Oak and
Bill Schoeffler
2024 Annual Program Directory, Winter Edition
Welcome to Insurance Journal’s 2024 Program Directory, Winter 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
Above & Underground Mining Co’s
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
AAU, A division of USG Insurance Services
Coverages Auto Comm-Standard Phys Dmg, Business Interruption, Environmental Liab, Motor Truck Cargo, Physical Damage, Pollution Liab, Property, 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 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, 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
Target Professional Programs
Coverages E&O, Professional Liab Carrier Status 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, Nonadmitted 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
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
Adoption Agencies
Nonprofits Insurance Alliance
Coverages Abuse & Molestation, Auto, Blanket Addt’l Insureds, Business Income & Interruption, CGL, Community/Social Svcs, Developmental Disabilities, EPLI, Fiduciary Liab, Fire Legal Liab, HNOA, 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 Insurance Underwriters
Coverages Assault & Battery, Crime, Earthquake, Equip. Breakdown, Flood, Property Carrier Status Non-admitted States All States except CO, FL, HI, LA, NY, TX
CRC Insurance Services
Coverages Excess Liab, 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 Liability, Fire Legal Liability, Hired & Non-owned Auto, Inland Marine, Liquor Liab, Mechanical Breakdown, Misc Professional Liability, Nonprofit D&O, Umbrella, Uninsured Motorists Carrier Status Non-admitted States Most States
Sapphire Blue
Coverages CGL, Professional Liability
Carrier Status Non-admitted States All States except KY
Specialty Wholesale Ins. Solution (SWIS), a Div of SPG
Employee Benefits, Environmental Liab, Pollution, Pollution Liab, Workers’ Comp Carrier Status Admitted States All States
Union General Insurance Services Inc.
Coverages CGL, GL, Professional Liab, Property Carrier Status Admitted, Non-admitted States AZ, CA, NM, NV, OR, TX
Adult Clubs
MAXIMUM
Coverages Abuse & Molestation, Accident & Sickness, Addiction Treatment, Assault & Battery, Business Income, CGL, Crime, D&O, EPLI, Fire, Flood, GL, HNOA, Identity Theft, Legal Liab, Liability, Liquor Liab, Personal Property, Professional Liab, 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
Winery Pak Insurance Programs
Coverages Combo Personal & Commercial, Herbicide & Pesticide, Liability, Pollution Liab, Property Carrier Status 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 Airlines Applied
Coverages
D&O,
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
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, Excess Liab, Fidelity, Fidelity Bonds, Fire Legal Liab, GL, Inland Marine, Liability, Lost Key, Professional Liab, Property States All States except NE
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, Nonadmitted States All States except NY
Balance Partners - Maven
2024 Annual Program Directory, Winter Edition
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, Nonadmitted 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 Liab, 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, Nonadmitted 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, Nonadmitted States AZ, CA, CO, ID, MD, NE, NM, NV, OR, TN, TX, UT, WA
ISC (Integrated Specialty Coverages)
Coverages Abuse & Molestation, Addt'l Expense, Employee Benefits, GL, Hired & Non-owned Auto, Medical Professional Carrier Status Non-admitted States All States
J.E. Brown & Associates
Coverages Cyber Liab, D&O, E&O, EPLI States AZ, CA, CO, NV, OR, TX, UT, WA
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, Professional Liab, Property, Sexual Misconduct, Umbrella Carrier Status Admitted States All States except LA
Promont Insurance Advisors
Coverages CGL, Commercial Excess, Crime, Cyber Liab, E&O, Employee Benefits, Equipment Breakdown, Fire Legal Liability, Professional Liability, 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
Amateur Sports Associations
Alive Risk
Coverages Accident & Health, CGL, Event Cancellation, Excess Liab, 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 Liab, Property, Real & Business Personal Prop, Sexual Misconduct, Uninsured Motorists Carrier Status Admitted States All States except LA
Coverages Accident & Health, Commercial Auto, 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 Accident & Health, CGL, Excess Liab, Hired & Non-owned Auto, Inland Marine, Liquor Liab, Property, 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, Inland Marine, Professional Liab, Property States All States
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
Distinguished Programs
Coverages Boiler & Machinery, CGL, Property, Umbrella Carrier Status Admitted, Non-admitted States All States
Flood Risk Solutions Inc.
Coverages Addt’l Expense, Builders Risk, Business Income & Interruption, Commercial Excess, Excess Flood, Flood, Personal Prop 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 Builders Risk, Earthquake, GL, Property, Vacant Bldg Carrier 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 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, DIC, Earthquake, Equip. Breakdown, Excess Liab, 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 Package, Boiler & Machinery, Business Income, CGL, Crime, Cyber Liab, D&O, E&O, Earthquake, EPLI, Excess Liab, Flood, 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, Nonadmitted 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
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
Ryan Specialty National Programs
Coverages CGL, Hired & Non-owned Auto Carrier Status Non-admitted States All States except CA, NY
Southwest Risk
Coverages Builders Risk, CGL, Property, Umbrella
Carrier Status Admitted, Non-admitted States All States
Sovereign Group Int’l Inc.
Coverages Apartment House Package, Builders Risk, Business Income, CGL, EPLI, Fire, GL, Hail, Property, Umbrella Carrier Status Non-admitted States MA, NJ, NY
Specialty Wholesale Ins. Solution (SWIS), a Div of SPG Coverages Assault & Battery, Business Income, D&O, Earthquake, Environmental Liab, Equipment Breakdown, Fire Legal Liab, Flood, Liability, Mechanical Breakdown, Pollution, Pollution Liab, Property, Umbrella, Wind Carrier Status Admitted States CT, DC, MA, MD, NJ, NY, PA
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
XPT Specialty
Coverages Apartment House Package, Assault & Battery, CGL, Earthquake, Excess Liab, Fire, Fire Legal Liability, 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 Liab, E&O, Professional Liab, 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, 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
Draftrs Inc.
Coverages E&O, Professional Liab States All States
Coverages Commercial Excess, D&O, E&O, EPLI Carrier Status Admitted, Non-admitted States All States except DC
J.E. Brown & Associates
Coverages Cyber Liab, D&O, E&O, EPLI States AZ, CA, CO, NV, OR, TX, UT, WA
Johnson & Johnson
Coverages Cyber Liab, E&O, EPLI, Kidnap/Ransom, Professional Liab Carrier Status Non-admitted
States All States
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 Status
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
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
The Mechanic Group, a Div of Specialty Programs Group
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
Asset Managers
5Star Specialty Programs
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) 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
CRC Insurance Services
Coverages Excess Liab, GL, Professional Liab, 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
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 Liab
Carrier Status Non-admitted States All States except KY
2024 Annual Program Directory, Winter Edition
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
Johnson & Johnson
Coverages Cyber Liab, E&O, EPLI, Kidnap/Ransom, Professional Liab Carrier Status Non-admitted States All 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
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 except AK, HI, NV, VA
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
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, Nonadmitted 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’ Compensation 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 Liab
Carrier Status Non-admitted States All States
CID Insurance Programs Inc.
Coverages BOP, CGL, Commercial Excess, Dealers Open Lot, EPLI, Excess Liability, Fidelity, Garage Keepers Legal Liab, Garage Liability, GKLL, Liability, Property, Umbrella, Uninsured Motorists, Workers’ Comp Carrier 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 Status 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 Status 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
Walter General Agency (WGA)
Coverages Dealers Open Lot, Excess Liab, Garage Keepers
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
Lancer Insurance Company
Coverages Dealer and Transporter Plates
Carrier Status Admitted States CT, NY, OH, 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, HNOA, 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
Amwins - 150+ Locations Worldwide
Coverages Pollution, Pollution Liab
Carrier Status Non-admitted States All States
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
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 Property
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 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
2024 Annual Program Directory, Winter Edition
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
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
Walter General Agency (WGA)
Coverages Commercial Excess, Excess Liab, Garage Keepers Legal Liab, Garage Liability, GKLL, Medical Payments, Property, Umbrella, Uninsured Motorists Carrier Status Non-admitted States AR, IL, MO, OK
Auto Repair/Service
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 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
CoveragesPersonal Auto, 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
Philadelphia Insurance Companies
Coverages Auto Comm-Standard Liability, Auto CommStandard Phys Dmg, Excess Liab, Rented Property Carrier Status Admitted States All States except LA, MI, NV, NY
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
ISC (Integrated Specialty Coverages)
Coverages Assault & Battery, Equipment Breakdown, GL, Liquor Liab, PropertyCarrier Status Non-admitted States All States
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, Nonadmitted 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
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
Walter General Agency (WGA)
Coverages Abuse & Molestation, Assault & Battery, Blanket Addt’l Insureds, Blanket Waivers, Business Income, Business Interruption, CGL, Commercial Excess, Completed Operations Liab, Difference in Conditions, Employee Benefits, Equipment Breakdown, Excess Liab, Fiduciary Liab, Fire, Food Spoilage, GL, Glass, Liability, Liquor Liab, Medical, Medical Payments, Products Liab, Property, Theft, Umbrella Carrier Status Nonadmitted States AR, IA, ID, IL, IN, KS, KY, MO, OK, TN
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
Markel
Coverages Workers’ Comp
Carrier Status Admitted States Most 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
Sovereign Group Int’l Inc.
Coverages Business Income, Business Interruption, CGL, EPLI, Fire, GL, Hail, Liability, Products Liab, Professional Liab, Property, Tanning Liab, Umbrella Carrier Status Non-admitted States MA, NJ, NY
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
Boat Dealers
Marine Underwriters of America
Coverages Boats, Commercial Marine, Dealers Open Lot, Excess Liab, GL, Hired & Non-owned Auto, Hull, Inland Marine, Liquor Liab, Marina Operators Legal, Piers & Docks, Protection & Indemnity (P&I), Real & Business Personal Prop, Watercraft Liab Carrier Status 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 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, Hired & Non-owned Auto, Identity Theft, Inland Marine, Legal Expense Ins, Personal Property, Professional Liab, Property, Protection & Indemnity (P&I), Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA
Boat Rental Firms
Markel Personal Lines
Coverages Boats,
Bowling Alleys
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
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
Great American Ins. Group, Specialty Human Services
CoveragesCommercial Auto, Boiler & Machinery, Business Income, Business Interruption, CGL, Commercial Excess, Community/Social Svcs, Completed Operations Liab, Crime, Educator Legal Liab, Equipment Breakdown, Excess Liab, Fidelity, Fine Arts, Fire, Fire Legal Liab, GL, Historic Bldgs/ Unique Property, Inland Marine, Legal Liab, Liability, Liquor Liab, Medical Payments, Misc Professional Liab, Professional Liab, Property, Real & Business Personal Prop, Sexual Misconduct, Umbrella Carrier Status Admitted States All States except HI, LA, OK
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
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, 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
Brewery Pak Insurance Programs
Coverages Auto Comm-Standard, Business Interruption, Cyber Liab, Equipment Breakdown, GL, Liquor Liab, Products Liab, Property, Umbrella Carrier Status Admitted States Most 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
Markel
Coverages 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 Status Admitted States All except LA 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
2024 Annual Program Directory, Winter Edition
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 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
Cannabis/Marijuana - Dispensary and Growers
Cannasure Insurance Services
Coverages Business Income, Business Interruption, CGL, Completed Operations Liab, EPLI, Equipment, Products Liab, Professional Liability, Property, Stop-Gap Carrier Status Non-admitted States All States
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
ISC (Integrated Specialty Coverages)
Coverages Employee Benefits, GL, Hired & Non-owned Auto, Lessors Excess Liab, Products Liab, Property Carrier Status Non-admitted States All States
J.E. Brown & Associates
Coverages Auto Comm-Standard, BOP, GL, Products Liab, Property States AZ, CA, CO, NV, OR, TX, 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, 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
Casinos
Distinguished Programs
Coverages Cyber Liab, Liability, Umbrella
Carrier Status Admitted, Non-admitted States All States
Coverages Assault & Battery, Boiler & Machinery, Business Income, Business Interruption, CGL, Completed Operations Liab, Crime, Fire, Fire Legal Liab, 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 Liab, Liability, Medical Payments, New Occurrence, Products Liability, Property Carrier Status Admitted, Non-admitted States All States
Cemeteries
Brownyard Group
Coverages Commercial Auto, Boiler & Machinery, Business Income, Business Interruption, CGL, Commercial Excess, Crime, Cyber Liab, D&O, E&O, EPLI, Equipment, Equipment Breakdown, Fine Arts, Fire, GL, Hail, Hired & Non-owned Auto, Inland Marine, Liability, Nonprofit D&O, Personal Property, Professional Liab, Property, Theft, Tools & Equip, Workers’ Comp Carrier Status Admitted States All States except AK, FL, HI, WA
Chemical Manufacturers/Distributors
Brownyard Group
Coverages Blanket Addt’l Insureds, Blanket Waivers, Business Income, Business Interruption, CGL, Employee Benefits, Fire, Fire Legal Liab, GL, Glass, Hired & Non-owned Auto, Inland Marine, Liability, Personal Property, Products Liab, Professional Liab, Property, Stop-Gap Carrier Status Non-admitted States All States
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 Status 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
Indemnity Excess & Surplus Agency Inc.
Coverages Abuse & Molestation, Addt’l Expense, Business Income, CGL, Equipment Breakdown, Excess Liab, Professional Liab, Property Carrier Status Admitted, Nonadmitted 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
2024 Annual Program Directory, Winter 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, 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
Walter General Agency (WGA)
Coverages Abuse & Molestation, CGL, Excess Liab, GL, Professional Liab, Property, Umbrella Carrier Status Non-admitted States IL, MO
Chiropractors
ISC (Integrated Specialty Coverages)
Coverages Abuse & Molestation, Addt'l Expense, Employee Benefits, GL, Hired & Non-owned Auto, Medical Professional Carrier Status Non-admitted States All States
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 Liab, 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, Equipment Breakdown, Fine Arts, Flood, Hired & Non-owned Auto, Inland 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
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
J.E. Brown & Associates
Coverages BOP, Earthquake, GL, Inland Marine, Workers’ Comp States AZ, CA, CO, NV, OR, TX, UT, WA
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
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
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 Package, BOP, Business Income, CGL, Commercial Excess, Crime, Cyber Liab, EPLI, Fidelity, GL, HNOA, 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
Carrier Status Admitted, Non-admitted States All States
DeCotis Specialty Insurance
Coverages Apartment House Package, Business Income, CGL, Commercial Excess, Flood, Medical Payments, Property, Vacant Building, Wind Carrier Status Non-admitted States CT, DC, 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
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
Coverages Builders Risk, Cyber Liab Carrier Status Admitted States All States except HI
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
Marine Underwriters of America
Coverages Boats, Commercial Marine, Excess Liab, GL, Hull, Inland Marine, Piers & Docks, Protection & Indemnity (P&I), Ship Repairers Legal 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
GIG Insurance Group Inc.
Coverages Crime, D&O, EPLI, Workers’ Comp Carrier Status Admitted States All States except AK, NY
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
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 Coverage, 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, Equipment, Flood, Force Place Fire Cvrg, Mortgage Impairment, Mortgage REO Cvrg Carrier Status Admitted, Non-admitted States All States except AK
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 Admitted States All States
Builders & Tradesmen’s Insurance Services Inc. (BTIS)
Coverages BOP, D&O Carrier Status Admitted, Nonadmitted 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 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
2024 Annual Program Directory, Winter Edition
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
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
Concessionaires and Vendors
Alive Risk
Coverages Abuse & Molestation, CGL, Event Cancellation, Excess Liab, Hired & Non-owned Auto, Prize Indemnification, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Coverages Bailee/Customer Goods, Care/Custody/Control, CGL, Commercial Marine, Equip. 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 Non-admitted States IA, IL, IN, OH, WI
Concrete Pumper Firms
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
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 States All States except CO, FL, HI, LA, NY, TX
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
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 Ins. Brokers, Part of Monarch E&S Coverages Catastrophe, CGL, Commercial Excess, Contingent Coverages, 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
Distinguished Programs
Coverages CGL, Crime, D&O, GL, Property, Umbrella Carrier Status Admitted, Non-admitted States All States
Flood Risk Solutions Inc.
Coverages Addt’l Living Expense, Builders Risk, Business Income & Interruption, Commercial Excess, Excess Flood, Flood, Personal Prop Carrier 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 & Interruption, CGL, Crime, Employee Benefits, Equipment Breakdown, Fire Legal Liab, GL, HNOA, Identity Theft, Inland Marine, Participant Accident, Professional Liab, Property, Real & Business Personal Prop, Umbrella, Uninsured Motorists Carrier Admitted States All except LA
Specialty Wholesale Ins. Solution (SWIS), a Div of SPG Coverages Crime, D&O, Liability, Pollution Liab, Property, Umbrella Carrier Status Admitted States CT, DC, MA, MD, NJ, NY, PA
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 Ins. Brokers, Part of Monarch E&S
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 Carrier Status Non-admitted 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
2024 Annual Program Directory, Winter Edition
Coverages Crime, D&O, Fidelity Carrier Status Admitted States All States
J.E. Brown & Associates
Coverages BOP, Earthquake, GL, Inland Marine, Workers’ Comp States AZ, CA, CO, NV, OR, TX, UT, WA
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, Nonadmitted 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
Quirk & Company
Coverages CGL, D&O, Excess Flood, Flood, Property Carrier Status Admitted, Non-admitted States LA, OK, OR, TX, WA
Sovereign Group Int’l Inc.
Coverages CGL, Commercial Excess, D&O, EPLI, Fire, GL, Liability, Professional Liab, Umbrella Carrier Status Non-admitted States MA, NJ, NY
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, Equipment Breakdown, Fire Legal Liab, Hired & Non-owned Auto, Medical Payments, Property, Umbrella Carrier Status Non-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
Commercial Sector Ins. Brokers, Part of Monarch E&S
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 Status Non-admitted States AZ, CA, CO, ID, NV, OR, TX, WA
J.E. Brown & Associates
Coverages BOP, Earthquake, GL, Inland Marine, Workers’ Comp States AZ, CA, CO, NV, OR, TX, UT, 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
Ryan Specialty National Programs
Coverages CGL, Hired & Non-owned Auto Carrier Status Non-admitted States All States except CA, NY
Liab, Transportation Pollution Liab States All States
Professional Underwriters Agency (PUA)
Coverages Pollution Liab, Professional Liab
Carrier Status Admitted, Non-admitted States All 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, Wind Carrier Status Admitted States All
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 Auto Comm-Standard Liability, Auto CommStandard Phys Dmg, 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 except AK, HI, NV, VA
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 Ins. Brokers, Part of Monarch E&S
Coverages CGL, Commercial Excess, Contractors Equip, Environmental Liab, Misc Professional Liab, Professional Liab, Umbrella Carrier Status Non-admitted States Most States
Cyber Liab, E&O, Liability, Pollution, Pollution Liab, Professional Liab 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 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
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 Admitted, Non-admitted States NJ, NY
Hinterland Insurance
Coverages CGL, Inland Marine Carrier Status Non-admitted States CA
ISC (Integrated Specialty Coverages)
Coverages Blanket Addt’l Insureds & Waivers, BOP, Builders Risk, CGL, COC, Contractors Equip, Contractors License Bonds, GL, Inland Marine, Motor Truck Cargo, Non-Trucking Auto Liab, Pollution, Professional Liab, Tools & Equip, Workers’ Comp Carrier Status Non-admitted States All States
J.E. Brown & Associates
Coverages Cyber Liab, D&O, E&O, EPLI States AZ, CA, CO, NV, OR, TX, UT, WA
JC Wilson Consulting Inc.
Coverages Boiler & Machinery, Equipment Breakdown, Product Extended Warranty, Service Contracts, Warranties, Extended Carrier Status Admitted States All States
National Elevator Insurance Solutions / HUB International Coverages Auto Comm-Standard, GL, Installation Floaters, OCP, Property, Umbrella, Workers’ Compensation 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
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
Ian H. Graham Insurance
Professional Underwriters Agency (PUA)
Coverages Pollution Liab, Professional Liab States All States
StateFund First, 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
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
Walter General Agency (WGA)
Coverages Auto Comm-Nonstandard, Auto Comm-Standard, Blanket Addt’l Insureds, Blanket Waivers, Builders Risk, Business Income, Business Interruption, CGL, Commercial Excess, Completed Operations Liab, Contractors Equip, Difference in Conditions, Equipment Breakdown, Excess Liab, Fire, Inland Marine, Installation Floaters, Liability, Medical Payments, OCP, Property, Tools & Equip, Umbrella Carrier Status Non-admitted States AR, IA, IL, IN, KS, KY, MO, OK, TN
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 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
ISC (Integrated Specialty Coverages)
Coverages CGL, GL 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
2024 Annual Program Directory, Winter Edition
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
Coverages Assault & Battery, Auto Comm-Standard, Blanket Addt’l Insureds, Care/Custody/Control, CGL, Commercial Excess, Crime, E&O, Excess Liab, Fidelity, Fidelity Bonds, Fire Legal Liab, GL, Inland Marine, Liability, Lost Key, Professional Liab, Property Carrier Status 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
ISC (Integrated Specialty Coverages)
Coverages CGL, GL 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
Philadelphia Insurance Companies
Coverages Boiler & Machinery, Business Income, Care/ Custody/Control, CGL, Commercial Auto, 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 except LA
REInsurePro
Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Completed Operations Liab, Excess Liab, Products Liab Carrier Status Non-admitted States All States except CO, LA, 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, a Div of Specialty Programs Group
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 Liab, Fire, Pollution Carrier Status Nonadmitted 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
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
ISC (Integrated Specialty Coverages)
Coverages Blanket Addt’l Insureds, Blanket Waivers, BOP, CGL, COC, Commercial Excess, Contractors License Bonds, E&O, GL, Inland Marine, Liquor Liab, Motor Truck Cargo, Pollution, Workers’ Comp Carrier Status Non-admitted States All States
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
Lancer Insurance Company
Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg Carrier Status Admitted States CT, NJ, NY, OH, PA
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
Monarch E&S Insurance Services
Coverages GL, Inland Marine Carrier Status Non-admitted States All States
WORKERS COMPENSATION INSURANCE
We provide tailor-made solutions designed to meet the needs of each client. In addition to competitive pricing, we offer:
• A.M. Best rating of A- (Excellent)
• Competitive commissions
• No volume or premium requirements
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• Attentive customer service from a live representative
Working with us is easy. We operate on an open brokerage basis and do everything in-house. We entertain hard-to-place risks with the following characteristics:
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 Admitted States CT, DE, MD, NJ, NY, PA, 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, Excess Liab, Products Liab Carrier Status Non-admitted States All except CO, LA, 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
Sovereign Group Int’l Inc.
Coverages Builders Risk, CGL, Commercial Excess, Completed Operations Liab, Contractors Equip, EPLI, Fire, GL, Professional Liab, Property, Umbrella Carrier Status Non-admitted States MA, NJ, NY
Target Managers Insurance Services
Coverages Auto, 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, 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, Real & Business Personal Prop, Stop-Gap, 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 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
Contractors-Electrical
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 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
ISC (Integrated Specialty Coverages)
Coverages CGL, GL 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
Oryx Insurance Brokerage Inc.
Coverages Auto Comm-Standard, GL, Umbrella, Workers’ Comp Carrier Admitted States CT, DE, MD, NJ, NY, PA, VT
REInsurePro
Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Completed Operations Liab, Excess Liab, Products Liab Carrier Status Non-admitted States All States except CO, LA, 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-Elevators
National Elevator Insurance Solutions / HUB International
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
ISC (Integrated Specialty Coverages)
Coverages CGL, GL 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
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 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
Contractors-Fire Protection/Fire Sprinkler
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 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
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, 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
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
ISC (Integrated Specialty Coverages)
Coverages CGL, GL 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
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
Monarch E&S Insurance Services
Coverages Blanket Addt’l Insureds, CGL 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
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
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, Excess Liab, Products Liab Carrier Status Non-admitted States All States except CO, LA, NJ, NY
Shield Commercial Insurance Services
Coverages Excess Liab, GL, Inland Marine, Pollution, Professional Liab, Workers’ Comp Carrier Status Nonadmitted 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
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
2024 Annual Program Directory, Winter Edition
ISC (Integrated Specialty Coverages)
Coverages CGL, GL 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
Shield Commercial Insurance Services
Coverages Excess Liab, GL, Inland Marine, Pollution, Professional Liab, Workers’ Comp Carrier Status Non-admitted States Most States
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
ISC (Integrated Specialty Coverages)
Coverages CGL, GL Carrier Status Non-admitted States All States
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, Nonadmitted States All States
Marine Underwriters of America
Coverages Commercial Marine, Excess Liab, GL, Hull, Inland Marine, Protection & Indemnity (P&I), Real & Business Personal Prop Carrier Status Admitted States All States
The American Equity Underwriters Inc.
Coverages MEL, USL&H, Workers’ Comp States All States
Contractors-Oil & Gas
Ashley General Agency
Coverages CGL, Excess Liab, Pollution Liab, Professional Liab Carrier Status Non-admitted States TX
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
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
ISC (Integrated Specialty Coverages)
Coverages CGL, GL Carrier Status Non-admitted States All 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
Carrier Status Admitted States All States except AK, HI
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
ISC (Integrated Specialty Coverages)
Coverages CGL, GL 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
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
REInsurePro
Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Completed Operations Liab, Excess Liab, Products Liab Carrier Status Non-admitted States All States except CO, LA, NJ, NY
Shield Commercial Insurance Services
Coverages Excess Liab, GL, Inland Marine, Pollution, Professional Liab, Workers’ Comp Carrier Status Nonadmitted States Most States
Southwest Risk
Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Umbrella Carrier Status Non-admitted States All States
StateFund First, 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’ 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
JC Wilson Consulting Inc.
Coverages Boiler & Machinery, Equipment Breakdown, Product Extended Warranty, Service Contracts, Warranties, Extended Carrier Status Admitted States All States
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
Carrier Status Non-admitted States All States except CO, LA, NJ, NY
2024 Annual Program Directory, Winter Edition
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
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
ISC (Integrated Specialty Coverages)
Coverages CGL, GL Carrier Status Non-admitted States All 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
Philadelphia Insurance Companies
Coverages Boiler & Machinery, Business Income, Care/ Custody/Control, CGL, Commercial Auto, 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 except LA
Shield Commercial Insurance Services
Coverages Excess Liab, GL, Inland Marine, Pollution, Professional Liab, Workers’ Comp 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 Status 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
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 Workers’ Comp Carrier Status Admitted States All States
McLeckie Insurance Group
Coverages Business Income, Crime, EPLI, Equipment, Food Borne Illness, Liquor Liability, Property Carrier Status Non-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, Equipment Breakdown, Fire Legal Liab, Medical Payments, Property, Umbrella Carrier Status Non-admitted States AZ, CA, ID, NV, OR, UT, WA
XPT Specialty
Coverages Business Interruption, CGL, Excess Liab, Fire, Fire Legal Liab, GL, Liability, Liquor Liab, Medical Payments, New Occurrence, Property Carrier Status Admitted, Non-admitted States All States
Cosmetic Manufacturers
Brownyard Group
Coverages Blanket Addt’l Insureds, Blanket Waivers, Business Income, Business Interruption, CGL, Employee Benefits, Fire, Fire Legal Liab, GL, Glass, Hired & Non-owned Auto, Inland Marine, Liability, Personal Property, Products Liab, Professional Liab, Property, Stop-Gap
Carrier Status Non-admitted States All States
Cosmetic Insurance Services, a division of EPIC Brokers
Professional Program Ins. Brokerage, a Div of SPG Ins.
Coverages Abuse & Molestation, Products Liab, Professional Liab 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
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, 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
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, 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
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
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, Hired & Non-owned Auto, Inland Marine, Misc Professional Liab, Professional Liab, Umbrella Carrier Status Admitted States All States except HI, LA, OK
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,
CA
Markel
Coverages Abuse & Molestation, CGL, Crime, Cyber Liab, Inland Marine, Property, Student Accident, Umbrella, Workers’ Comp Carrier Admitted States All States except HI
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, 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 Status Admitted States All except LA
TAPCO Underwriters Inc.
Coverages Abuse & Molestation, Accessories, GL, Professional Liab, Property Carrier Status Non-admitted States Most States
Day Spas
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 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
Sports & Fitness Insurance Corporation (SFIC)
Coverages Accident & Health, Accidental Death, Auto Comm-Standard, Auto Comm-Standard Liability, BOP, EPLI, Fine Arts, Fire Legal Liab, Flood, Glass, Pool & Spa Liab, Professional Liab, 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
Amwins - 150+ Locations Worldwide Coverages Auto Comm-Standard, Crime, Equipment Breakdown, Excess Liab, GL, Inland Marine, Property, Umbrella Carrier Status Admitted, Non-admitted States All States
Parcel Insurance Plan
2024 Annual Program Directory, Winter Edition
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
ISC (Integrated Specialty Coverages)
Coverages Abuse & Molestation, Addt'l Expense, Employee Benefits, GL, Hired & Non-owned Auto, Medical Professional Carrier Status Non-admitted States All States
TDC Specialty Underwriters
Coverages Liability, Medical Malpractice, Professional Liab Carrier Status Admitted, Non-admitted States All States except KS, NM, 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, Nonadmitted States All States
Dialysis Centers
ISC (Integrated Specialty Coverages)
Coverages Abuse & Molestation, Addt'l Expense, Employee Benefits, GL, Hired & Non-owned Auto, Medical Professional Carrier Status Non-admitted States All States Pro-Praxis Insurance Coverages E&O, Professional Liab Carrier Status Admitted States All States
Distributors
Amwins - 150+ Locations Worldwide
Coverages GL, Legal Liab, Motor Truck Cargo, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Nonadmitted States All States
Brownyard Group Coverages Blanket Addt’l Insureds, Blanket Waivers, Business Income, Business Interruption, CGL, Employee Benefits, Fire, Fire Legal Liab, GL, Glass, Hired & Non-owned Auto,
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
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 Abuse & Molestation, Blanket Addt’l Insureds, CGL, Commercial Excess, Cyber Liab, Inland Marine, Misc Professional Liab, Products Liab, Property Carrier Status Non-admitted States All States
Winery Pak Insurance Programs
Coverages Auto Comm-Standard, Excess Liab, Liability, Liquor Liab, Property Carrier Status Admitted States All States except FL, LA, MS, OK
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
Dry Cleaners/Laundries
UCA General Insurance Services Inc.
Coverages Bailee/Customer Goods, Business Income, Business Interruption, CGL, Crime, Cyber Liab, Equipment Breakdown, Liability, Mechanical Breakdown, Property, Theft, Umbrella Carrier Status Non-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
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,HNOA, 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 Abuse & Molestation, 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
2024 Annual Program Directory, Winter Edition
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 Admitted, Non-admitted States All States
Staffing Lines
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States
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 Ins. Brokers, Part of Monarch E&S
Coverages CGL, E&O, Excess Liab, Misc Professional Liab, Pollution, Pollution Liab, Professional Liab, Umbrella Carrier Status Non-admitted States Most States
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
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, CGL, Contingent Coverages, Event Cancellation, Excess Liab, Hired & Non-owned 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
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
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 Liab
Carrier Status Non-admitted States All States except AK, HI
Carrier Status Admitted, Non-admitted States All States
Exercise/Health Studios/Health Clubs
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, Liability, Liquor Liab, Medical Payments, Property, Real & Business Personal Prop, Sexual Misconduct, Umbrella
Carrier Status Admitted States All States except HI, LA, OK
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 & Nonowned Auto, Identity Theft, Inland Marine, Liquor Liab, NonTrucking 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, Sexual Misconduct, Tanning Liab, Theft Carrier Non-admitted States IA, IL, IN, OH, WI
RPS Signature Programs
Coverages Liability, Property Carrier Status Admitted States All States
Sovereign Group Int’l Inc.
Coverages Bailee/Customer Goods, Business Income, Business Interruption, CGL, Commercial Excess, Fire, GL, Inland Marine, Liability, Pool & Spa Liab, Professional Liab, Property, Tanning Liab, Umbrella Carrier Non-admitted States MA, NJ, NY
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,
Family Fun Centers
Coverages CGL, Excess
Hired & Non-owned Auto, Inland Marine, Liquor Liab, Property, 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, Equip Breakdown, Excess Liab, Horse Mortality, Property, Umbrella Carrier Admitted States Most
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
Philadelphia Insurance Companies
Coverages Abuse & Molestation, GL, Professional Liab, Property, Umbrella Carrier Admitted States All except LA
Winery Pak Insurance Programs
Coverages Combo Personal & Commercial, Herbicide & Pesticide, Liability, Pollution Liab, Property Carrier Status Admitted States All States
XPT Specialty
Coverages CGL, Combo Personal & Commercial, Dwelling Fire, Equipment, Inland Marine, Livestock/Animal Mortality, Property Carrier Status Admitted, Non-admitted States All
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, 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
The McGowan Companies
Coverages Commercial Excess, Umbrella Carrier Status Admitted States All States
UCA General Insurance Services Inc.
Coverages Business Income, CGL, Cyber Liab, Equipment Breakdown, Fire Legal Liab, Hired & Non-owned Auto, Medical Payments, Property, Umbrella Carrier Status Nonadmitted States AZ, CA, ID, NV, OR, UT, WA
Festivals & Fairs
Alive Risk
Coverages Accident & Health, CGL, Contingent Coverages, Event Cancellation, Excess Liab, Hired & Non-owned Auto, Inland Marine, Liquor Liab Carrier Status Admitted, Nonadmitted 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
ISC (Integrated Specialty Coverages)
Coverages Assault & Battery, Equipment Breakdown, GL, Liquor Liab, PropertyCarrier 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
Johnson & Johnson
Coverages Crime, Cyber Liab, E&O, EPLI, Fidelity Bonds, Kidnap/Ransom, Professional Liab Carrier Status Non-admitted States All States
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, Flood, Force Place Fire Cvrg, Mortgage Impairment, Mortgage REO Cvrg Carrier Status Admitted, Non-admitted States All States except AK, HI
Wilkoff Bonds
Coverages Crime, Fidelity, Fidelity Bonds, Fiduciary Liab Carrier Status Admitted States All States
2024 Annual Program Directory, Winter Edition
Financial Planners
Markel
Coverages Auto Comm-Standard, E&O, Excess Liability, GL, Property Carrier Status Admitted, Non-admitted States All States except DC
Fine Art Collections
Applied Underwriters Inc.
Coverages 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
ISC (Integrated Specialty Coverages)
Coverages Fine Arts, Personal Liab, Personal Property Carrier Status Non-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
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
Food Trucks
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
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
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 Liability
Carrier Status Non-admitted States All States
RPS Signature Programs
Coverages Auto Comm-Standard,
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 Liab, 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 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 & Nonowned 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 Liab, Property, Workers’ Comp Carrier Status Admitted States All States
Gateway Specialty Insurance
Coverages Abuse & Molestation, Crime, E&O, EPLI, GL, Liquor Liab, Nonprofit D&O, Property Carrier Status 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, Nonadmitted 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 Status Admitted States All States
Garages
Anderson & Murison Inc.
Coverages Excess Liab, Garage Liability, GL, Inland Marine, Property Carrier Status 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 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
2024 Annual Program Directory, Winter Edition
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
Walter General Agency (WGA)
Coverages Dealers Open Lot, Excess Liab, Garage Keepers Legal Liab, Garage Liability, GKLL, Inland Marine, Medical Payments, Property, Theft, Tools & Equip, Truck Auto Liab, Umbrella, Uninsured Boaters, Uninsured Motorists Carrier Status Non-admitted States AR, IL, MO, OK
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’ Comp 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 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, Fire Legal Liab, Medical Payments, Property, Umbrella Carrier Status Nonadmitted 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 Liab Carrier Status Nonadmitted 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
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
Philadelphia Insurance Companies
Coverages Abuse & Molestation, GL, Professional Liab, Property, Umbrella Carrier Status Admitted
States All States except LA
RPS Signature Programs
Coverages Liability, Property Carrier Status Admitted
Personal & Commercial, Commercial Marine, Crime, Earthquake, Employee Benefits, EPLI, Equipment Breakdown, Fire Legal Liab, Flood, GL, Glass, Hired & Non-owned 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
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, Property Carrier Status Non-admitted States All States
RPS Healthcare
Coverages D&O, EPLI, Excess Liab, GL, Medical Professional, Professional Liab, Property States All States
Heavy Equipment Dealers
Ascinsure Specialty Risk
Coverages Auto Comm-Standard, Cyber Liab, 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
Home Healthcare Providers
AllComp Solutions
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States
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 Liab, EPLI, Excess Liab, Hired & Nonowned Auto, Professional Liab, Property Carrier Status Non-admitted States All States
RPS Healthcare
Coverages D&O, EPLI, Excess Liab, GL, Professional Liab, Property States All States
Sapphire Blue
Coverages CGL, Professional Liab Carrier Status Nonadmitted States All States except KY
StateFund First, 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
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
2024 Annual Program Directory, Winter Edition
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
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
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
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 Liab, GL, Inland Marine, Legal Liab, Medical Payments, Personal Property, Property, Tools & Equip, Umbrella Carrier Status Admitted States All States except DC, HI
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
ISC (Integrated Specialty Coverages)
Coverages Abuse & Molestation, Addt'l Expense, Employee Benefits, GL, Hired & Non-owned Auto, Medical Professional 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
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 Nonadmitted 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 States All States
Hotels/Motels
Amalgamated Insurance Underwriters
Coverages Assault & Battery, Boiler & Machinery, Crime, Earthquake, Equipment Breakdown, Flood, Property, Wind Carrier Status Non-admitted States All States except CO, FL, HI, NY, OK, 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 Ins. Brokers, Part of Monarch E&S
Coverages CGL, Commercial Excess, Earthquake, Excess Liab, Hurricane, Mechanical Breakdown, Property, Wind Carrier Status Non-admitted States Most States
Covenant Underwriters
Coverages Abuse & Molestation, Boiler & Machinery, Commercial Excess, Crime, Cyber Liab, 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
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
2024 Annual Program Directory, Winter Edition
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
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 Admitted States All States UCA General Insurance Services Inc.
Coverages Business Income, CGL, Crime, Cyber Liab, Equipment Breakdown, Hired & Non-owned Auto, Liquor Liab, Medical Payments, Property, Umbrella Carrier Status Non-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 Blanket Addt’l Insureds, Blanket Waivers, Business Income, Business Interruption, CGL, Employee Benefits, Fire, Fire Legal Liab, GL, Glass, Hired & Non-owned Auto, Inland Marine, Liability, Personal Property, Products Liab, Professional Liab, Property, Stop-Gap Carrier Status Non-admitted States All States
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
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
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
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
J.E. Brown & Associates
Coverages Cyber Liab, D&O, E&O, EPLI
States AZ, CA, CO, NV, OR, TX, UT, WA
Lee & Mason
Coverages Misc Professional Liab, Professional Liab
Carrier Status Admitted, Non-admitted States All 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
Number One Insurance Agency
Coverages Excess Liab, Professional Liab
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 C
arrier 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
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,
The Mechanic Group, a Div of Specialty Programs Group
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
ISC (Integrated Specialty Coverages)
Coverages CGL, GL Carrier Status Non-admitted States All States
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
Sovereign Group Int’l Inc.
Coverages CGL, Commercial Excess, Completed Operations Liab, EPLI, Fire, GL, Liability, Property, Umbrella Carrier Status Non-admitted States MA, NJ, NY
TAPCO Underwriters Inc.
Coverages GL, Professional Liab, Property Carrier Status Non-admitted States Most States
Jr. Markets/Liquor Stores
Business Alliance Insurance Company
Coverages BOP, Cyber Liab, EPLI, Equipment Breakdown, Liquor Liab Carrier Status Admitted States CA
Labor Unions
Great American Insurance
Laboratories - Testing
Land Surveyors
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 Carrier Status
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
ISC (Integrated Specialty Coverages)
Coverages CGL, GL Carrier Status Non-admitted States All States
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
Oryx Insurance Brokerage Inc.
Coverages Auto Comm-Standard, GL, Umbrella, Workers’ Comp Carrier Admitted States CT, DE, MD, NJ, NY, PA, VT
Professional Insurance Concepts
Coverages E&O, Professional Liab Carrier Status Admitted States All States
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 Carrier Status Admitted States All States except CA, LA, NV, NY, SC
ISC (Integrated Specialty Coverages)
Coverages CGL, GL Carrier Status Non-admitted States All States
Sovereign Group Int’l Inc.
Coverages Business Income, Business Interruption, CGL, Commercial Excess, Contractors Equip, E&O, EPLI, GL, Liability, Misc Professional Liab, Products Liab, Professional Liab, Property, Umbrella Carrier Status Non-admitted States MA, NJ, NY
Laser Centers
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 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
Status Admitted, Non-admitted States All States except DC
Johnson & Johnson
Coverages Cyber Liab, E&O, EPLI, Kidnap/Ransom, Professional Liab Carrier Status 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
2024 Annual Program Directory, Winter Edition
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, Commercial Auto, Boiler & Machinery, Business Income, Business Interruption, CGL, Commercial Excess, Crime, Cyber Liab, D&O, E&O, EPLI, Equipment, Equipment Breakdown, Fine Arts, Fire, GL, Hail, Hired & Non-owned Auto, Inland Marine, Liability, Medical Payments, Nonprofit D&O, Personal Property, Professional Liab, Property, Theft, Wind, Workers’ Comp 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
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
Specialty Wholesale Ins. Solution (SWIS), a Div of SPG
Coverages Auto Comm-Standard, Garage Keepers Legal Liab, Liability, Property Carrier Status 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
Liquor Pak Insurance Programs
Coverages Auto Comm-Standard, BOP, Business Interruption, Cyber Liab, Equipment Breakdown, Liquor Liab, Umbrella, Workers’ Comp Carrier Status Admitted States Most States
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
Specialty Wholesale Ins. Solution (SWIS), a Div of SPG
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
Coverages E&O, Professional Liab Carrier Status Admitted States All States
Manufacturers
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
Brownyard Group
Coverages Blanket Addt’l Insureds, Blanket Waivers, Business Income, Business Interruption, CGL, Employee Benefits, Fire, Fire Legal Liab, GL, Glass, Hired & Non-owned Auto, Inland Marine, Liability, Personal Property, Products Liab, Professional Liability, Property, Stop-Gap Carrier Status Non-admitted States All States
Commercial Sector Ins. Brokers, Part of Monarch E&S
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
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 Status Nonadmitted 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 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 Admitted, Non-admitted States AZ, CA, NV, TX
2024 Annual Program Directory, Winter Edition
Inc.
Coverages Auto Comm-Standard, CGL, Crime, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
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 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, Hired & Non-owned Auto, Identity Theft, Inland Marine, Professional Liab, Property, Umbrella, Uninsured Motorists Carrier Status Admitted 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, 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, 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
Union General Insurance Services Inc.
Coverages CGL, GL Carrier Status Non-admitted States AZ, CA, NM, NV, OR, TX
Walter General Agency (WGA)
Coverages Boiler & Machinery, Builders Risk, Business Income, Business Interruption, Cargo, CGL, Commercial Excess, Completed Operations Liab, Excess Liab, Hired & Non-owned Auto, Liability, Medical Payments, Motor Truck Cargo, Products Liab, Property, Technology E&O, Theft, Tools & Equip, Umbrella Carrier Status Non-admitted States AR, IA, ID, IL, IN, KS, KY, MO, OK, TN
Marina Operators
Hull & Company
Coverages Commercial Marine, Marina Operators Legal, Property Carrier Status Non-admitted States All States except DC
Marine Underwriters of America
Coverages Boats, GL, Hull, Inland Marine, Liquor Liab, Marina Operators Legal, Piers & Docks, Protection & Indemnity (P&I), Real & Business Personal Prop, Ship Repairers Legal Carrier Status Admitted States All States
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
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
Marine Underwriters of America
Coverages Excess Liab, GL, Hull, Inland Marine, Protection & Indemnity (P&I), Real & Business Personal Prop, Ship
Repairers Legal Carrier Status Admitted States All States
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
Marinas/Boat Dealers
ISC (Integrated Specialty Coverages)
Coverages Cargo, Excess Liab, GL, Hull
Carrier Status Non-admitted States All States
Marine Underwriters of America
Coverages Boats, Dealers Open Lot, Excess Liab, GL, Hired & Non-owned Auto, Hull, Inland Marine, Liquor Liab, Marina Operators Legal, Protection & Indemnity (P&I), Real & Business Personal Prop, Watercraft Liab
Carrier Status Admitted States All States
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
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, Homeowners Pkg, 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, Nonadmitted 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
ISC (Integrated Specialty Coverages)
Coverages Abuse & Molestation, Addt'l Expense, Employee Benefits, GL, Hired & Non-owned Auto, Medical Professional Carrier Status Non-admitted States All States
Pro-Praxis Insurance
Coverages E&O, Professional Liab Carrier Status Admitted States All States
Benefits, GL, Hired & Non-owned Auto, Medical Professional
Carrier Status Non-admitted States All States
Pro-Praxis Insurance
Coverages E&O, Professional Liab Carrier Status Admitted States All States
Medical Professionals
Access E&S Insurance Services
Coverages Excess Liab, Professional Liab
Carrier Status Non-admitted States AR, DC, DE, GA, IL, MD, NC, NJ, NY, OH, PA, SC, TN, TX, VA
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, NM, NY, WI
The McGowan Companies
Coverages Misc Professional Liab, Professional Liab
Carrier Status Admitted, Non-admitted States All States
Medical Spas
ISC (Integrated Specialty Coverages)
Coverages Abuse & Molestation, Addt'l Expense, Employee Benefits, GL, Hired & Non-owned Auto, Medical Professional Carrier Status Non-admitted States All States
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, Nonadmitted 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
2024 Annual Program Directory, Winter Edition
Metalworking Companies
Amwins - 150+ Locations Worldwide
Coverages Auto Comm-Standard, Crime, Equipment Breakdown, GL, Inland Marine, Property, Stop-Gap, Umbrella, Workers’ Comp Carrier Admitted States All States
Oryx Insurance Brokerage Inc.
Coverages Auto Comm-Standard, CGL, Crime, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-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 Status 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
Mortgage Bankers/Lenders
Johnson & Johnson
Coverages Crime, Cyber Liab, D&O, E&O, EPLI, Fidelity Bonds, Kidnap/Ransom, Professional Liab Carrier Status Non-admitted 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
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, CGL, Contingent Coverages, Event Cancellation, Excess Liab, 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
Motor Sports
Alive Risk
Coverages Abuse & Molestation, CGL, Event Cancellation, Excess Liab, Hired & Non-owned Auto, Participant Accident, Prize Indemnification, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Philadelphia Insurance Companies
Coverages D&O, EPLI Carrier Status Admitted States All States except LA
Motorcycle Dealers
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 Auto Comm-Standard Liability, Cargo, Crime, Cyber Liab, Property, Umbrella, Workers’ Comp States All States
Moving Companies
Mover’s Choice Insurance
Coverages Auto Comm-Standard Liability, Cargo, Crime, Cyber Liab, Property, Umbrella, Workers’ Comp States All 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
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
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
Nonprofits Insurance Alliance
Coverages Blanket Addt’l Insureds, Business Income, Business Interruption, CGL, Crime, EPLI, Fiduciary Liab, Fire Legal Liab, Hired & Non-owned Auto, Inland Marine, Liquor Liab, Mechanical Breakdown, Misc Professional Liab, Nonprofit D&O, Umbrella Carrier Status 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, Umbrella, Uninsured Motorists
Carrier Status Admitted States All States except LA Specialty Wholesale Ins. Solution (SWIS), a Div of SPG
Coverages All Risks/Cash in Transit, Crime, Fine Arts, Legal Liab, Liability, Property, Umbrella Carrier Status Admitted States All States
Music, Touring & Live Events
Alive Risk
Coverages Accident & Health, Accidental Death, CGL, Contingent Coverages, Event Cancellation, Excess Liab, Hired & Non-owned Auto, Inland Marine, Liquor Liab, Workers’ Comp Carrier Status Admitted, Non-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
2024 Annual Program Directory, Winter Edition
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
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
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 Status Admitted States All States except LA
Professional Insurance Concepts
Coverages D&O, EPLI Carrier 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
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
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 Liab, GL, Professional Liab, 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 Admitted, Non-admitted States All States
Sapphire Blue
Coverages CGL, Professional Liab Carrier Non-admitted States All States except KY
Professional Liab, Products Liab, Property Carrier Status Non-admitted States All States
Union General Insurance Services Inc.
Coverages CGL, GL, Products Liab States AZ, CA, NM, NV, OR, TX
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
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
ISC (Integrated Specialty Coverages)
Coverages Earthquake, Equipment Breakdown, Flood, Lost Key, Personal Property, Vacant Building Carrier Status Non-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, Misc Professional Liab, Professional Liab, Property, Tenant Discrimination, Umbrella, Wind, Workers’ Comp Carrier Admitted, Non-admitted States All States
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
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, Equipment Breakdown, Fire Legal Liab, Hired & Non-owned Auto, Medical Payments, Property, Umbrella Carrier Status Nonadmitted 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 Admitted, Non-admitted States All States
LIG Marine Managers
Coverages USL&H, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
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
Coverages
Western
Coverages
Optometrists
Cowbell
Orchards - Agriculture
Agricultural
Mark D. Fredricksen Insurance Services
Osteopaths
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
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, Fidelity Bonds, Fire Legal Liab, GL, Herbicide & Pesticide, Inland Marine, Liability, Lost Key, Medical Payments, Pollution Liab, Products Liab, Professional Liab, Property, Stop-Gap, Workers’ Comp Carrier Status Admitted States All States except LA
Markel
Coverages Auto Comm-Standard, Business Income, CGL, Equipment, Equipment Breakdown, Herbicide & Pesticide, Inland Marine, Legal Liab, 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, Nonadmitted 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
Sovereign Group Int’l Inc.
Coverages Business Income,
Specialty Wholesale Ins. Solution (SWIS), a Div of SPG
Coverages GL, Liability, Pollution, Pollution Liab, Property, Umbrella Carrier Status Admitted States All States
Petroleum Distributors
ISC (Integrated Specialty Coverages)
Coverages Commercial Excess, Excess Liab
Carrier Status Admitted 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
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
Physicians
ISC (Integrated Specialty Coverages)
Coverages Abuse & Molestation, Addt'l Expense, Employee Benefits, GL, Hired & Non-owned Auto, Medical Professional Carrier Status Non-admitted States All States 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, NM, NY, WI
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
ISC (Integrated Specialty Coverages)
Coverages Cargo, Excess Liab, GL, Hull Carrier Status Non-admitted States All States
Marine Underwriters of America
Coverages Excess Liab, GL, Hired & Non-owned Auto, Piers & Docks Carrier Status Admitted, Non-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 Nonadmitted 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
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, NM, NY, WI
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 Workers’ Comp Carrier Status Admitted States All States
2024 Annual Program Directory, Winter Edition
Production Companies
Alive Risk
Coverages Accident & Health, Accidental Death, CGL, Contingent Coverages, Event Cancellation, Excess Liab, Hired & Non-owned Auto, Inland Marine, Liquor Liab, Workers’ Comp Carrier Admitted, Non-admitted States All States
ISC (Integrated Specialty Coverages)
CoveragesEquipment, Excess Liab, GL, Hired & Non-owned Auto, Inland Marine, Workers' Comp Carrier Status Admitted States All States
Professional Employer Organizations (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 Admitted, Non-admitted States All States
StateFund First, Div of Arthur J Gallagher Ins Brokers of CA Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States CA
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
Carrier Status Admitted, Non-admitted States AZ, CA, CO, ID, MD, NE, NM, NV, OR, PA, TN, TX, UT, VA, WA
Commercial Sector Ins. Brokers, Part of Monarch E&S
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 except AK, HI, NV, VA
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
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 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
Sun Coast General Insurance Agency
Coverages D&O, E&O, EPLI Carrier Status Admitted, Non-admitted States CA
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
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
ISC (Integrated Specialty Coverages)
Coverages E&O, Professional Liab Carrier Status Admitted States All States
Johnson & Johnson
Coverages Crime, Cyber Liab, E&O, EPLI, Fidelity Bonds, Kidnap/Ransom, Professional Liability Carrier Status Non-admitted States All States
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, Nonadmitted 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
2024 Annual Program Directory, Winter Edition
US Assure
Coverages GL, Rented Property, Residential Property Carrier Status Admitted States All States
Walter General Agency (WGA)
Coverages Blanket Addt’l Insureds, Blanket Waivers, Builders Risk, Business Income, Business Interruption, CGL, Excess Liab, GL, Liability, Medical Payments, Property, Umbrella Carrier Status Non-admitted States AR, IL, IN, KS, KY, MO, OK, TN
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 Admitted States All States except DC, HI, LA
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
J.E. Brown & Associates
Coverages Cyber Liab, D&O, E&O, EPLI States AZ, CA, CO, NV, OR, TX, UT, WA
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
Professional Insurance Concepts
Coverages E&O, Professional Liab Carrier Status Admitted States All States
RealCare Insurance
Coverages E&O, Professional Liab Carrier Status Admitted States All States except NY
Sun Coast General Insurance Agency
Coverages BOP, CGL, Cyber Liab, E&O, EPLI, GL, Workers’ Comp Carrier Status Non-admitted States AZ, CA, CO, NV, OR, UT, WA
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
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
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 Non-admitted States All 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, CGL, Contingent Coverages, Event Cancellation, Excess Liab, 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 Admitted, Non-admitted States All 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
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 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’ Compensation 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
ISC (Integrated Specialty Coverages)
Coverages CGL, GL 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
REInsurePro
Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Completed Operations Liab, Excess Liab, Products Liab Carrier Status Non-admitted States All States except CO, LA, 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
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 Status Admitted, Non-admitted States All States except AK
Business Alliance Insurance Company
Coverages BOP, Cyber
Distinguished Programs
Coverages CGL, Crime, Cyber Liab, EPLI, GL, Property, Umbrella 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
ISC (Integrated Specialty Coverages)
Coverages Assault & Battery, Equipment Breakdown, GL, Liquor Liab, PropertyCarrier Status Non-admitted States All States
Markel
Coverages 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
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, 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, Equipment Breakdown, Fire Legal Liab, Hired & Non-owned Auto, Liquor Liab, Medical Payments, Property, Umbrella Carrier Status Non-admitted States AZ, CA, ID, NV, OR, UT, WA
Walter General Agency (WGA)
Coverages Assault & Battery, Blanket Addt’l Insureds, Blanket Waivers, Boiler & Machinery, Builders Risk, Business Income, Business Interruption, CGL, Commercial Excess, Completed Operations Liab, Difference in Conditions, Employee Benefits, EPLI, Equipment Breakdown, Excess Liab, Fiduciary Liab, Fire, Food Spoilage, GL, Inland Marine, Liability, Liquor Liab, Medical Payments, Products Liab, Property, Umbrella Carrier Status Non-admitted States AR, IA, ID, IL, IN, KS, KY, MO, OK, TN
Retail Stores
Builders & Tradesmen’s Insurance Services Inc. (BTIS)
Coverages BOP, GL, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except AK
Coverages Builders Risk, CGL, GL, Umbrella, Vacant Building 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
Hinterland Insurance
Coverages CGL, Earthquake, GL, Property Carrier Status Non-admitted States All States except OK, TX
Markel
Coverages 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
Personal Safeguards Group LLC
Coverages Product Extended Warranty, Service Contracts, Warranties, Extended Carrier Status Admitted States All States
StateFund First, 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, Equipment Breakdown, Fire Legal Liab, Hired & Non-owned Auto, Medical Payments, Property, Umbrella Carrier Status Nonadmitted States AZ, CA, ID, NV, OR, UT, WA
RV Dealerships
Arrowhead General Insurance Agency Inc.
Coverages Business Income, GL, Liability, Physical Damage, Property Carrier Status Admitted States Most 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
RV Parks
Arrowhead General Insurance Agency Inc.
Coverages Auto Comm-Standard, Business Income, Catastrophe, Equipment, GL, Physical Damage, Physical Damage Rental Units, Property, Umbrella Carrier Status
Admitted States Most 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, Professional Liab, Property, Real & Business Personal Prop, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA
Scaffold Erectors
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
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
School Bus Insurance Solutions (SBIS) Coverages Abuse & Molestation, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Crime, GL, Inland Marine, Property, Workers’ Comp Carrier Status Admitted States All States except FL, LA, MI, NV, NY
Coverages Auto Comm-Standard Phys Dmg, 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 Liab, 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, 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,
Fidelity
Inland
&
2024 Annual Program Directory, Winter Edition
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, Blanket Waivers, Business Interruption, Care/Custody/Control, CGL, Commercial Excess, Crime, E&O, Excess Liab, Fidelity, Fidelity Bonds, GL, Inland Marine, Liability, Lost Key, Professional Liab, Property, Stop-Gap, Workers’ Comp Carrier Status 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, a Div of Specialty Programs Group 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
CGL, Equipment Breakdown, Legal Liab,
Liab Carrier Status Non-admitted States All States
Lancer Insurance Company
Garage Keepers Legal Liab, Garage Liability, GKLL Carrier Status Admitted, Non-admitted States NY
& Tradesmen’s
States
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 Marine Underwriters of America
Coverages Excess Liab, GL, Hired & Non-owned Auto, Hull, Inland Marine, Protection & Indemnity (P&I), Real & Business Personal Prop, Ship Repairers Legal Carrier Status Admitted States All States
The American Equity Underwriters Inc.
Coverages MEL, USL&H, Workers’ Comp States All States
Ship Yards
Hull & Company
Coverages Care/Custody/Control, Ship Repairers Legal Carrier Status Non-admitted States All States except DC
ISC (Integrated Specialty Coverages)
Coverages Cargo, Excess Liab, GL, Hull Carrier Status Non-admitted States All States
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, 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
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
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, Equipment Breakdown, Fire Legal Liab, Hired & Non-owned Auto, Medical Payments, Property, Umbrella Carrier Status Nonadmitted 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
Cowbell Cyber
Coverages Breach of Security, Business Income, Business Interruption, Cyber Liab States Most States
J.E. Brown & Associates
Coverages BOP, Earthquake, GL, Inland Marine, Workers’ Comp States AZ, CA, CO, NV, OR, TX, UT, WA
Markel
Coverages WC - Master Policies/ASO, Workers’ Comp Carrier Status Admitted States All States except OH, WA, WY
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
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 Liability, Fire Legal Liability, 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 Liability, Professional Liability, 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 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, 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
Software Developers
Access E&S Insurance Services
Coverages Excess Liab, Professional Liab 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
Philadelphia Insurance Companies
Coverages Cyber Liab, D&O, EPLI, GL, Identity Theft, Legal Expense Ins, Professional Liab, Technology E&O, Umbrella Carrier Status Admitted States All States except LA
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, HNOA, Liability, Media Liab, Products Liab, Professional Liab, Property, Technology E&O, Umbrella Carrier Status Admitted States All States
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, CGL, Contingent Coverages, Event Cancellation, Excess Liab, 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
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 Assault & Battery, Equipment Breakdown, GL, Liquor Liab, PropertyCarrier Status Non-admitted States All States
2024 Annual Program Directory, Winter Edition
NeitClem Wholesale Insurance Brokerage Inc.
Coverages GL, Property Carrier Status Admitted, Nonadmitted 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
TAPCO Underwriters Inc.
Coverages GL, Liquor Liab, Property Carrier Status Non-admitted States Most States
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, Nonadmitted States All States except NY
Philadelphia Insurance Companies
Coverages CGL, Property Carrier Status Admitted States All States except LA
Surgery Centers
ISC (Integrated Specialty Coverages)
Coverages Abuse & Molestation, Addt'l Expense, Employee Benefits, GL, Hired & Non-owned Auto, Medical Professional Carrier Status Non-admitted States All States
Pro-Praxis Insurance
Coverages E&O, Professional Liab Carrier Status Admitted States All States
RPS Healthcare
Coverages D&O, EPLI, Excess Liab, GL, Medical Professional, Professional Liab, Property States All States
Tanning Salons
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
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
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 except AK, HI, NV, VA
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
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
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 Status 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
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
2024 Annual Program Directory, Winter Edition
Theatre Production Companies
Alive Risk
Coverages Accident & Health, Accidental Death, CGL, 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
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 Liability, Professional Liability, Umbrella Carrier Status Admitted States All States except HI, LA, OK
Title Agents
Johnson & Johnson
Coverages Crime, Cyber Liab, E&O, EPLI, Fidelity Bonds, Kidnap/Ransom, Professional Liability Carrier Status Non-admitted States All States
Professional Insurance Concepts
Coverages E&O, Professional Liab Carrier Status Admitted States All States
Vanguard Specialty
Coverages E&O, Professional Liab Carrier Status Non-admitted States All States
Wilkoff Bonds
Coverages Crime, Fidelity, Fidelity Bonds, Fiduciary Liab Carrier Status Admitted States All States
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
Tow Truck Firms
AllComp Solutions
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States
Arrowhead General Insurance Agency Inc.
Coverages Auto Comm-Standard Liability, Business Income, Business Interruption, Crime, Equipment, Equipment Breakdown, Garage Keepers Legal Liab, GL, Inland Marine, Pollution, Property Carrier Status Admitted States All States except 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, OH, 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
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
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
Philadelphia Insurance Companies
Coverages Commercial Auto, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Legal Expense Ins, Participant Accident, Personal Property, Professional Liab, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA
Travel Agents & Tour Operators
Draftrs Inc.
Coverages E&O, GL, Professional Liab Carrier Status Admitted States All States except AK, HI, NV, VA
ISC (Integrated Specialty Coverages)
Coverages E&O, Professional Liab Carrier Status Admitted States All States
Mexico Insurance Online
Coverages Auto Pers-Nonstandard, Auto Pers-Standard, 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
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
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 Commercial Auto, Cargo, CGL, GL, Inland Marine, Motor Truck Cargo, Non-Trucking Auto Liab, Truck Auto Liab Carrier Status Admitted, Non-admitted States All States
Guardian Insurance Wholesalers Inc.
Coverages Cargo, GL, Liability, Long Haul, Non-Trucking Auto Liab, Occupational Accident, Physical Damage, Truck Auto Liab, Umbrella Carrier Status Admitted, Non-admitted States All States except DC
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
ISC (Integrated Specialty Coverages)
Coverages Commercial Excess, Excess Liab
Carrier Status Admitted States All States except AK, HI
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, OH, 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
MexiPass International Insurance Services LLC
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
StateFund First, Div of Arthur J Gallagher Ins Brokers of CA Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States CA
COMMERCIAL TRUCKING (1-100+ Units)
Our underwriters have long-standing relationships with “A” rated carriers and have the expertise and coverage you can depend on.
• Filings made promptly
• Risk management/Claims services
• Direct bill/Agency bill options
• Liability up to $1M CSL
• Pollution coverage available CA 9948
• Hired auto physical damage available
• Combined deductibles available on physical damage and cargo
Contact us to learn more. hello@jmwilson.com (800) 666-5692
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
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, Nonadmitted 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
Lancer Insurance Company
Coverages Dealer and Transporter Plates Carrier Status Admitted States CT, NY, OH, PA
Lancer Insurance Company
Coverages Dealers Open Lot, Garage Keepers Legal Liab, Garage Liability Carrier Status Admitted States 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
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
Walter General Agency (WGA)
Coverages Dealers Open Lot, Excess Liab, Garage Keepers Legal Liab, Garage Liability, GKLL, Medical Payments, Property, Umbrella, Uninsured Boaters, Uninsured Motorists Carrier Status Non-admitted States AR, IL, MO, OK
Utilities-Natural Gas Companies
Amwins - 150+ Locations Worldwide
Coverages Auto Comm-Standard,
Loan Protector
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
XPT Specialty
2024 Annual Program Directory, Winter Edition
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 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
Warehouse Operators
Gorst & Compass Insurance
Coverages BOP, Business Income Carrier Status Nonadmitted 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
owned Auto, Inland Marine, Liquor Liab, Property, Workers’ Comp Carrier Status Admitted, 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, LA
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
ISC (Integrated Specialty Coverages)
Coverages Equipment Breakdown, GL, Hired & Non-owned Auto, Liquor Liab, PropertyCarrier Status Non-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
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, Fidelity Bonds, Fire Legal Liab, GL, Herbicide & Pesticide, Inland Marine, Liability, Lost Key, Medical Payments, Pollution Liab, Products Liab, Professional Liability, Property Carrier Status Admitted States All except LA
Wineries
Great American Insurance Group, Alternative Markets
Coverages Auto Comm-Standard, BOP, CGL, Inland Marine, Property, Umbrella, Workers’ Compensation 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
Winery Pak Insurance Programs
Coverages Auto Comm-Standard, Bailee/Customer Goods, Blanket Addt’l Insureds, Business Income, Cargo, Commercial Excess, Cyber Liab, Equipment Breakdown, Excess Liab, Inland Marine, Liability, Liquor Liab, Property Carrier Status Admitted States All States except FL, LA, MS, OK
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
Wrecking Contractors
2024 Annual Program Directory, Winter Edition
Yacht Clubs
Marine Underwriters of America
Coverages Boats, Excess Liab, GL, Hired & Non-owned Auto, Hull, Liquor Liab, Marina Operators Legal, Piers & Docks, Protection & Indemnity (P&I), Real & Business Personal Prop, Ship Repairers Legal, Watercraft Liab Carrier Status Admitted States All States
Markel Personal Lines
Coverages Boats, Commercial Marine, Hull, Pollution Liab, Watercraft Liab 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
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 Abuse & Molestation, Accident & Health, CGL, Excess Liab, 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
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.
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
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.
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.
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 TX Hwy # I-270, Austin, TX 78759
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.
For more info, see our ad on page 4 (West), page 7 (S. East) & page 2 (Midwest).
JM 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.
Johnson & Johnson
PO Box 899, Charleston, SC 29402
Phone: (843) 577-1484
peter.burrous@jjins.com www.jjins.com
Joseph Chiarello & Co., Inc.; Firearms Business Insurance Program
Place your nonprofit clients with an insurer who understands nonprofit risks, provides fair and equitable pricing, and has a vested interest in helping you achieve your goals. NIA offers you ease of doing business, competitive commissions, and a 95% renewal rate.
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.
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, Omana National Casualty Company, Palomar Specialty Insurance Company, and/or Preferred Professional Insurance Company.
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
For more info, see our ad on page 7 (National).
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.
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.
555 E. North Ln, Ste. 6060, Conshohocken, PA 19428
Phone: (504) 217-7776
schoolbus@nsminc.com sbisinsure.com
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
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.
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.
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, 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.
sized independent agencies to perpetuate internally. The next generation often lacks the management and sales skills to replace the majority owner. In some cases, there are no perpetuation candidates at all. If this is the case, an external sale makes much more sense, as an internal sale may not work out, and retired principals don’t want to return to work.
If an owner sells internally, it is usually for less than the value of an external sale. Existing expenses usually will not change, as they do in an external sale. Also, there is a risk that the internal candidates might not work out, and they often don’t have any or very little money to do a buy-out. The terms of internal purchases are typically 20% to 30% down, with the buy-out lasting 5-10 years. The length of pay out time depends on the agency’s cash flow and whether the internal buyer has any money of their own. An internal buyout rarely has an earn-out component, so the value should be conservative to prevent paying too much for the firm.
The internal buyer often uses the agency’s cash flow to pay the loan off over time. Buyers may want the retiring owners to retire after a few years so they can manage the firm without their influence and use their comp and perks to pay off the note. Often, the retiring principal finances
December 2, 2024
Glencar Insurance Company
200 South Orange Avenue, Suite 1900 Orlando, FL 32801
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.
the deal for the internal candidate. Oak & Associates recommends that the internal buyers get a 10-year loan so that the retiring shareholders don’t have to worry about getting paid. Several specialty banks make loans to insurance agencies specifically for internal perpetuation.
We also recommend that all owners of internal sales should consider whether a GRAT (Grantor Retained Annuity Trust) would be the internal perpetuation tool to use if the owners are still healthy. There is typically a minimum payout of five years, and both principal and interest can be deducted.
Potential Tax Law Changes
With Trump’s win as our 47th president, there is little concern about tax increases that were more likely under a Harris administration. Trump’s previous tax plan was expected to expire, with the pre-Trump tax level of 39.6% replacing the current ordinary income tax rate of 34.6%. However, while the rate was lower and the standard deduction higher, state and local tax exemptions were capped at $10,000, which resulted in increased federal taxes for some high-wage earners in certain states with high personal income taxes. Any change to tax law will require extensive political negotiation, so it is too early to predict what will happen. On the
December 2, 2024
Cedar Insurance Company
75 Vanderbilt Avenue, Suite 311 Staten Island, NY 10304
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.
campaign trail, Trump emphasized using tariffs to generate tax revenue. More tariffs will likely occur, but not at the level Trump alluded to. Trump also floated the idea of no income taxes on tips, overtime pay or Social Security income. Those might become unfulfilled campaign promises when the legislators meet. There is a good chance that Trump’s promise to lower corporate taxes will be implemented.
There was no discussion about Trump’s changes to capital gains taxes. The Harris team discussed increasing the rate to 28% for taxable income over $1 million and taxing unrealized capital gains. Any changes to capital gains taxes under the new Trump administration would result from broader tax negotiations. There appears to be no tax reason for business owners to change their schedule at this time when selling their businesses.
For Part Two, see the January 27, 2025 issue of Insurance Journal.
Oak is the founder of the international consulting firm, Oak & Associates, based in Bend, Oregon and Sonoma, California. Schoeffler is an associate of the firm. Phone: 707-935-6565. Email: catoak@gmail. com. Website: www.oakandassociates.com.
Closing Quote
5 Ways to Prepare for the End of the Hard Market
By Carol Drake
For a long time, the hard market has made it difficult for agents to offer their clients the coverage they want at affordable prices — assuming coverage was available at all. Now, there are signs that this is changing. With market conditions looking up, insurance agencies should be looking forward to position their businesses for long-term success. The actions taken now will determine whether they’re in good shape for the soft market cycle that lies ahead.
When premiums are rising, frustrated policyholders tend to shop around for better deals. When solid coverage is hard to find, they often turn to insurance brokers to help them. This means that even though hard markets are frustrating for insurance agents, they are also a source of opportunity. If you have carrier access, you can find new business among all those insurance shoppers.
When the market softens, policyholders have less incentive to shop around for coverage. More often than not, they’ll stay with the same insurance provider year after year. This makes it harder for insurance agents to drum up new business.
It’s like a game of musical chairs. During the hard market, the music’s playing and policyholders are circling in search
of a good seat. When the hard market ends, the music stops, and policyholders sit down. You want to make sure they’re sitting with you.
What to Do Now
Policyholders are still frustrated with recent price hikes, and many are still shopping for better deals. Just look at the LexisNexis Insurance Demand Meter, which shows that U.S. consumer insurance shopping reached “nuclear” levels in the second quarter of 2024. Before the hard market ends, agencies can position themselves for a successful soft market by taking the following five steps.
1. Conduct intentional meetings that foster long-term relationships. When a new client comes to you, your first priority is meeting the coverage needs that brought them to you. However, it’s also important to gather information that will help you build a long-term relationship. In addition to asking about the insurance needs and concerns, ask probing questions to understand your clients’ current exposures, goals for the future, and to uncover coverage needs that they may not even be aware of.
2. Preempt price concerns. Price hikes are moderating, but some clients may still experience sticker shock due to the cumulative increases that have occurred in recent years. Take time to understand your clients’ budgets. If you recommend more expensive policies, explain why. Also consider offering more budget-friendly alternatives, such as usagebased auto insurance.
3. Differentiate your agency with actions rather than words. Rather than saying you are better than competitors, take steps to elevate the client experience, and let them draw their own conclusions. For example, while meeting your clients, offer to explain their policy terms and take the time to conduct a formal annual coverage review. Your professionalism will stand out, but to drive the point home, you can also ask if they’ve ever done this with other agents. If the answer is no, you’ll look better in comparison.
4. Become their one-stop shop by covering all lines. You can help your clients secure the protection they need while also closing more sales and reducing the risk of E&O claims by covering all lines. For example, if new homeowners come to you for homeowners insurance, you can also offer life and disability insurance. Likewise, if a small business owner comes to you for commercial property and general liability insurance, you can discuss things like cyber insurance and employment
practices liability insurance.
5. Provide value as a risk consultant. New clients may come for affordable prices, but you need to deliver more than just a great rate if you want them to stick around. Think about it — if all you offer is a low price, why would they stay with you if they found an even lower price somewhere else? To foster loyalty, you need to be more than a quote machine. You also need to be a risk consultant, and your services need to continue long after you’ve made the sale and earned your commission. Check in with clients, see if their needs have changed and provide risk management tips to help them avoid claims.
Don’t wait until the hard market officially ends! By taking these five steps now, you can strengthen your agency’s position as a partner for the long haul — an insurance advocate that clients trust in good times and bad.
Drake is the senior vice president, personal lines at Smart Choice, an independent insurance agency network.
