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December 4, 2023 • Vol. 101 No. 11

Contents

News & Markets

Special Report

Idea Exchange

‘No Material or Sudden Changes’ in Commercial Insurance Pricing: WTW

Special Report: 100 Years in Insurance and the Moments We’ve Seen

The Competitive Advantage: An Apprenticeship

Special Report: A Century of Insurance Journal: Timeline

Ask the Insurance Recruiter: How to Create a ‘Candidate First’ Approach to Recruiting

16 18

2023 Program Directory, Vol. II

24 26 27

Minding Your Business: Industry Trends to Exploit for 2024

Is It Covered?: 5 Worthy New Year’s Resolutions

Closing Quote: Direction for NextGen Talent: The Best Way Forward Is Not Always Up

Departments

6 Opening Note

4 | INSURANCE JOURNAL | DECEMBER 4, 2023

10 Figures

11 Declarations

12 People

14 Business Moves

INSURANCEJOURNAL.COM

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Opening Note Write the Editor: awells@insurancejournal.com

Chairman of the Board Mark Wells | mwells@wellsmedia.com Chief Executive Officer Joshua Carlson | jcarlson@insurancejournal.com

ADMINISTRATION / CIRCULATION

Chief Financial Officer Terry Freeburg | tfreeburg@wellsmedia.com Circulation Manager Elizabeth Duffy | eduffy@wellsmedia.com Staff Accountant Sarah Kersbergen | skersbergen@wellsmedia.com

A Look Back

or Insurance Journal’s last print issue of 2023, we decided to travel back in time to review the most significant events in insurance history over the past 100 years. While we selected 100 moments that altered how the insurance industry operates, there were many more events and moments that we simply couldn’t fit in. Check out a Century of Insurance compiled by Insurance Journal editors beginning on page 16. 2023 was a special year for Insurance Journal as well as we celebrated our 100th anniversary of providing property/casualty news and information for our valued readers. It’s a gift to be part of such a dynamic industry sector and we thank you for allowing us to continue in this role. This holiday season we invite you to visit Insurance Journal’s first-ever holiday album. The album, titled “Have A Claims Free New Year,” is a collection of holiday tunes cleverly mixed to traditional holiday music — adding in insurance specific lyrics, of course! We believe there is nothing else out there quite like this insurance-themed album and we hope you agree. This year, we added a new song to the album’s existing song list: “12 Claims of Christmas.” Other tunes on the album include: • O Property O Casualty (to the tune of O’ Christmas Tree) • Deck the Halls (With Parametric) • Umbrella Night (to the tune of Silent Night) • We Wish You a Book of Business • CGL (to the tune of Jingle Bells) • Auld Professional Lines (Auld Lang Syne) • A Drone Hit a Stranger (to the tune of Away In A Manger) • Bundle Your Housetop (to the tune of Up On the Housetop) • Please Cyber St. Nicholas (to the tune of Jolly Old) • ‘Twas Work Comp Krampus Eve

‘2023 was a special year for Insurance Journal as well as we celebrated our 100th anniversary of providing property/ casualty news and information for our valued readers.’

All singles are available wherever music is sold and/or downloaded, including Spotify, iTunes, Pandora, and Amazon Music, or listen to the full album for free on YouTube. Insurance is for every season, but this album is Insurance Journal’s gift to you, our readers, so bring it to your holiday party this year. Each day of the past 100 years, Insurance Journal has worked diligently to provide the most relevant content for the property/casualty insurance market. The next 100 years will be no different. We thank you for reading and wish all our readers a healthy and prosperous new year.

Andrea Wells V.P. of Content 6 | INSURANCE JOURNAL | DECEMBER 4, 2023

EDITORIAL

V.P. of Content Andrea Wells | awells@insurancejournal.com Executive Editor Emeritus Andrew Simpson | asimpson@wellsmedia.com National Editor Chad Hemenway | chemenway@insurancejournal.com Southeast Editor William Rabb | wrabb@insurancejournal.com South Central Editor/Midwest Editor Ezra Amacher | eamacher@insurancejournal.com West Editor Don Jergler | djergler@insurancejournal.com International Editor L.S. Howard | lhoward@insurancejournal.com Content Editor Allen Laman | alaman@wellsmedia.com Assistant Editor Jahna Jacobson | jjacobson@insurancejournal.com Copy Editor Stephanie Jones | sjones@insurancejournal.com Columnists & Contributors Contributors: Sabrina Hart, Amy O’Connor Columnists: Chris Burand, Mary Newgard, Catherine Oak, Bill Schoeffler, Bill Wilson

SALES / MARKETING

Chief Marketing Officer Julie Tinney | jtinney@insurancejournal.com West Sales Dena Kaplan | dkaplan@insurancejournal.com Romeo Valdez | rvaldez@insurancejournal.com Kelly DeLaMora | kdelamora@wellsmedia.com South Central Sales Mindy Trammell | mtrammell@insurancejournal.com Southeast and East Sales (except for NY, PA, CT) Howard Simkin | hsimkin@insurancejournal.com Midwest Sales Lisa Whalen | (800) 897-9965 x180 East Sales (NY, PA and CT only) Dave Molchan | (800) 897-9965 x145 Advertising Coordinator Erin Burns | eburns@insurancejournal.com Insurance Markets Manager Kristine Honey | khoney@insurancejournal.com Sr. Sales & Marketing Coordinator Laura Roy | lroy@insurancejournal.com Marketing Administrator Alberto Vazquez | avazquez@insurancejournal.com Marketing Director Derence Walk | dwalk@insurancejournal.com

DESIGN / WEB / VIDEO

V.P. of Design Guy Boccia | gboccia@insurancejournal.com Web Team Lead Josh Whitlow | jwhitlow@insurancejournal.com Ad Ops Specialist Jeff Cardrant | jcardrant@insurancejournal.com Web Developer Terrance Woest | twoest@wellsmedia.com Web Developer Jason Chipp | jchipp@wellsmedia.com Digital Content Manager Ashley Cochrane | acochrane@insurancejournal.com Videographer/Editor Ashley Waldrop | awaldrop@insurancejournal.com

ACADEMY OF INSURANCE

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

SUBSCRIPTIONS:

Call (855) 814-9547

or visit ijmag.com/subscribe

Outside the US, call (847) 400-5951 Insurance Journal, The National Property/Casualty Magazine (ISSN: 00204714) is published 22 times annually by Wells Media Group, Inc., 3570 Camino del Rio North, Suite 100, San Diego, CA 92108-1747. Periodicals Postage Paid at San Diego, CA and at additional mailing offices. SUBSCRIPTION RATES: $7.95 per copy, $12.95 per special issue copy, $195 per year in the U.S., $295 per year all other countries. DISCLAIMER: While the information in this publication is derived from sources believed reliable and is subject to reasonable care in preparation and editing, it is not intended to be legal, accounting, tax, technical or other professional advice. Readers are advised to consult competent professionals for application to their particular situation. Copyright 202 Wells Media Group, Inc. All Rights Reserved. Content may not be photocopied, reproduced or redistributed without written permission. Insurance Journal is a publication of Wells Media Group, Inc. POSTMASTER: Send change of address form to Insurance Journal, Circulation Dept, PO Box 708, Northbrook, IL 60065-9967 ARTICLE REPRINTS: Contact (800) 897-9965 x125 or visit insurancejournal.com/reprints

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News & Markets ‘No Material or Sudden Changes’ in Commercial Insurance Pricing: WTW

ven though reinsurance executives are making noise about social inflation and liability rate inadequacy, WTW isn’t expecting any major changes in the pricing for commercial casualty or property insurance markets heading into 2024. “The property market will try to lean into the hard market for as long as possible (which could be increasingly difficult if new money comes into the market on January 1). With a constricting capital base and current insurers remediating their liability portfolios, the casualty market might attempt to drive rate increases,” the global broker and advisory firm said in the latest edition of its semiannual “Insurance Marketplace Realities Report,” published in mid-November. “Despite the shifting terrain, in the near term, we don’t expect material or sudden changes in the market— for better or worse,” the report said. On the property side, the report describes inflationary and supply chain challenges driving property losses, “wholesale cuts in reinsurance capacity,” and subsequent overhauls of property insurers’ portfolios. For casualty, social inflation and geopolitical and economic uncertainty, along with rising investment yields, are the potential shifting or destabilizing forces in the market. “Heading into 2024, casualty treaty reinsurers are telegraphing concerns around social inflation and rate adequacy in the liability lines. If investment and reinsurance capacity falls out of the liability lines, the current ‘moderate’ rate environment could be pushed into harder conditions,” the report says. Not so for financial lines, including cyber, which WTW identifies as the “the bright spot” from a buyer’s perspective. These lines “appear to be on steady ground in a soft market,” the report says, predicting that a shift toward a hard market won’t happen unless insurers face “a couple of considerable claims or a troubled financial market.”

Report Highlights Property. “Every insured will see 8 | INSURANCE JOURNAL | DECEMBER 4, 2023

continued pressure at renewal on rates, values and terms. The overall risk profile of the insured (cat/non-cat, loss free/heavy losses, etc.) will determine the overall impact,” the report says. Notably, a comparison of WTW rate forecasts with prior reports shows the biggest relief from existing hard market conditions for buyers coming in property lines. Even for cat-exposed property, the low end of rate hikes has dropped from +15% in the first report for 2023 (published in December 2022) to +10% in the current report. Domestic Casualty. For domestic casualty lines, including general liability, umbrella, commercial auto and workers’ compensation, the WTW report shows rate forecasts changing little from recent prior periods. Most of the discussion in the section on domestic casualty in the report centers around changes in limits and program structures that have been made since 2015 when mega verdicts started to impact carrier balance sheets. WTW has found that 55% of its large and complex clients purchased umbrella liability and primary liability from the same carrier in 2023 — down from 37% in 2015. At the same time, average umbrella limits for clients with these structures in place dropped to $11.2 million from $20.1 million eight years earlier.

Cyber. WTW’s forecast for cyber indicates the possibility of decreasing rates for the first time in years, with the low end of the rate forecast at -5%. “Premium stabilization that began toward the end of 2022 has continued into 2023. While 2022 started with 50-150% increases, we now regularly see flat increases or even decreases at renewal,” the report says, noting that rate increases “will be the steepest for those organizations that cannot demonstrate strong cyber risk controls, culture and overall cyber hygiene.” The report also notes that competition between markets is strong. “[W]e frequently receive two to three quotes for certain risks. Incumbents are eager to retain business,” the report says. Directors and Officers Liability. For public company D&O, the worst result WTW forecasts for primary business is a flat renewal, while excess and side A rates could fall as much as 15%. WTW cites an influx of capacity into the market starting in late 2020 as the driver of competition which pushed rate hikes down in 2021 and 2022. In 2023, WTW saw “flattened-to-reduced” D&O premiums. The report notes, however, that insureds that experienced material premium relief in previous renewal cycles, may see decreases tapering off. INSURANCEJOURNAL.COM

Figures

A billion-dollar disaster confirmed in October brought the total to a record 25 such disasters in the first 10 months of the year — the largest number of disasters for any year since NOAA began tracking the events. These disasters included 19 severe storm events, two floods, one tropical cyclone, one winter storm, one wildfire and one drought/heat wave. The total cost of the 2023 events exceeds $73.8 billion, according to NOAA’s estimates.

5.3

The magnitude of an earthquake that struck a sparsely populated and remote area of West Texas in early November. The U.S. Geological Survey reported the quake shook Loving County, on the border with New Mexico, about 23 miles southwest of the unincorporated town of Mentone but could be felt hundreds of miles away. No damage or injury was reported. According to the Census Bureau, Loving County is one of the least populated counties in the U.S., with an estimated population of 51 in 2022. Mentone has a population of about 10.

10 | INSURANCE JOURNAL | DECEMBER 4, 2023

$100 Million The amount of a settlement fund to be opened in January 2024 by New York City’s Columbia University and Columbia University Irving Medical Center (CUIMC) for survivors of abuse and trauma inflicted by former gynecologist Robert Hadden. The fund will stay open for at least one year — allowing survivors to receive resources without needing to retain a lawyer. The school said it will notify nearly 6,500 former patients and inform them of their rights under the New York State Adult Survivors Act. Hadden left CUIMC in 2012. He was convicted of federal sexual assault charges in January 2023 and sentenced to 20 years in prison in July.

$40.3 Billion The economic impact Disney has on the state of Florida, according to a report released by the company. Disney is battling Florida Gov. Ron DeSantis and his appointees over their takeover of the district that governs the entertainment company’s massive resort in central Florida. Disney accounted for 263,000 jobs in Florida, more than three times the actual workforce at Walt Disney World, according to the study conducted by Oxford Economics and commissioned by Disney. The jobs include Disney employees as well as jobs supported by visitor spending off Disney World property. In central Florida, Disney directly accounts for 1 in 8 jobs, the report said. INSURANCEJOURNAL.COM

Declarations

AI and Insurance Jobs

Racehorse Deaths

No Longer Controversial

“Although the overall impact of generative AI on employment remains uncertain, it will likely change the way society works, as current employees learn to leverage the power of this developing technology.” — AM Best said in a commentary released in mid-November that it does not believe artificial intelligence is the main cause of insurance industry layoffs. Instead, the ratings agency said the layoffs likely fall into “the cyclical, rather than the structural, category.” This insight comes after Liberty Mutual, American Family and GEICO announced staff reductions in recent months.

We are deeply saddened by today’s tragedy, it was a loss no one could have imagined or expected. … It is an active investigation, so we are not able to comment any further at this time.” — Said Jeff Gural, chairman of American Racing and Entertainment LLC, which operates the Tioga Downs Casino Resort complex in upstate New York where more than two dozen racehorses died in a barn fire. Authorities investigating the fire believe was deliberately set. A 32-year-old Athens, Pennsylvania, man was charged with arson, burglary and other counts.

“Marijuana is no longer a controversial issue. … Ohioans demonstrated this by passing State Issue 2 in a landslide. Ohioans are being extremely clear on the future they want for our state: adult-use marijuana legal and regulated.” — Tom Haren, spokesman for the Coalition to Regulate Marijuana Like Alcohol, said after Ohio voters approved a measure legalizing recreational marijuana. Passage of Issue 2 makes Ohio the 24th state to allow adult cannabis use for non-medical purposes.

Texas Airplane/Car Crash

‘Stable and Competitive’

LA Freeway Fire

“I saw the airplane coming down the runway quickly,.I knew that he wasn’t gonna have time to stop. … It was clearly going too fast, the tires were smoking.” — Jack Schneider told a local news station what he saw when a small plane overshot the runway while making an emergency landing at an airport in McKinney, Texas. The plane crashed through a fence and struck a car driving along a nearby road, injuring one person. Schneider, who was nearby, recorded footage of the crash on his phone.

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“It’s clear the workers’ compensation market in Florida is stable and competitive; I’m confident lower workers’ compensation rates will assist in ensuring that all of Florida’s businesses have the opportunity to succeed in our state.” — Florida Insurance Commissioner Michael Yaworsky said in a statement the Florida Office of Insurance Regulation approved a 15.1% average decrease in workers’ comp rates recommended by the National Council on Compensation Insurance. The decrease takes effect for new and renewal workers’ comp policies starting Jan. 1 and is the seventh-straight rate reduction for Florida.

“I have to stress that we have determined what started the fire.” — California Gov. Gavin Newsom told reporters after authorities determined that arson was the cause of a massive mid-November fire that charred and indefinitely closed a vital section of a Los Angeles freeway. Newsom said investigators were trying to determine if one person or more were involved. The fire erupted in two storage lots under Interstate 10.

DECEMBER 4, 2023 INSURANCE JOURNAL | 11

People National

Pat Tomlinson has been

named president of Marsh McLennan’s Mercer and will succeed Mercer CEO

Martine Ferland upon

her retirement March 31, 2024. Pat Tomlinson In the meantime, as president, Tomlinson will report to Ferland and have management responsibility for Mercer’s global health, wealth and career practices. Tomlinson will retain his responsibilities as Marsh McLennan US and Canada CEO and Mercer US and Canada president in the near term. After next March, Tomlinson will take over as president and CEO of Mercer and become vice chair Marsh McLennan. He will join Marsh McLennan’s executive committee and report to John Doyle, Marsh McLennan president and CEO. Tomlinson has been with Mercer since 2014 and in February he was promoted to CEO of U.S. and Canada. Before Mercer, Tomlinson spent 17 years with Aon and served as an officer in the U.S. Army.

Marsh McLennan,

headquartered in New York, appointed

Susan Potter

as U.S. and Canada commercial officer. Based in Washington, D.C., Potter brings more than 25 years of commercial and public sector consulting, management and leadership experience to her new position. She joined Mercer in 2019 as chief com-

mercial officer for the U.S. and Canada after a 25-year career at Willis Towers Watson.

Bryan Sanders, president of Markel’s Markel Specialty division, plans to retire by Dec. 31, 2024. Sanders, who joined Markel in 2013 as part of the Alterra Capital Holdings Ltd. acquisition, has more than 42 years in the insurance industry. Effective Dec. 1, Sanders transitioned to the role of chairman, Markel Specialty. Before becoming president of Markel Specialty in 2020, Sanders served as president of Markel Wholesale from 2014 to 2017, and president of Markel Assurance from 2018 to 2020. Alex Martin, currently Markel’s chief financial officer, will become president of Markel Specialty. Brian Costanzo, currently senior vice president and chief accounting officer for Markel Group Inc., will become chief financial officer of Markel. Martin has been with Markel for 17 years and has held management positions in operations, underwriting, business development, strategy and finance. Costanzo has been with Markel for 14 years. He has held a variety of leadership roles within finance and has played a key role in leading strategic efforts within finance in regard to operational efficiency, actuarial transformation, technology and data. Additionally, within Markel Specialty, Guenter Kryszon has been named chief underwriting officer and Ryan Oosterheert has been named chief operations officer. Kryszon has been with Markel since 2019 and

12 | INSURANCE JOURNAL | DECEMBER 4, 2023

brings extensive experience driving growth and profitability through initiatives relating to portfolio optimization, climate change and environmental, social and governance matters. Oosterheert, who has been with Markel since 2019, brings more than 20 years of industry experience across underwriting and product management, strategy and operations.

East

Michelle Allen joined the senior leadership team at Portland, Maine-based MEMIC as senior vice president and chief human resources officer. Allen has Michelle Allen worked in HR since 2007, and in officer level positions for 15 years. Most recently, she served as executive vice president at Androscoggin Bank. Before Androscoggin Bank, she was vice president and human resources manager at Camden National Bank, and a human resources business partner at Acadia Insurance. Allen replaces Catherine F. Lamson, who retired in June after 23 years with the company. Stephen Deane returned to The Hartford as chief claims

officer after spending last three years at Liberty Mutual Insurance, where he served as executive vice president and chief claims officer, Global Risk Solutions, North America. Prior to Liberty Mutual, Deane was at The Hartford for 16 years in various leadership roles, including senior vice president of Group Benefits and Workers’ Compensation

claims. He will report to John Kinney, head of claims and operations, and will be a member of The Hartford’s executive leadership team. Deane succeeds Mary Nasenbenny, who will retire at the end of 2023. Nasenbenny joined the company in 1999 as legal counsel and was named chief claims officer in 2021.

Inshur, a provider of insurance to the rideshare industry, appointed Lisa Hric as director of U.S. markets. She is tasked with leading Inshur’s nationwide expansion and bolstering the profitability of its portfolio. Prior to joining Inshur, Hric was senior director of insurance product management at Metromile. Hric also has insurance experience at Farmers, The Hartford and Progressive. Rokstone appointed Mike Nukk as head of marine.

Nukk was previously head of marine for North America at American International Group (AIG) for about five years. At Rokstone, Nukk will grow the marine portfolio in North America from a start up to $100 million in five years, focused on middle market North American business. Nukk has more than 20 years of experience in the marine sector. Before AIG he spent 20 years at Liberty Mutual, serving as its SVP Global Marine practice leader and Marine chief underwriting officer. He spent seven of his 20 years with Liberty working in London as VP, Marine, EMEA at Liberty Special Markets.

Paul Bogdanovich

joined Alliant Insurance Services, headquartered in INSURANCEJOURNAL.COM

Irvine, California, as senior vice president within its northeast employee benefits group. Based in Portland, Maine, Bogdanovich has over 35 years of insurance industry and sales experience. Before joining Alliant, Bogdanovich was an executive with Sun Life Financial and a sales manager with The Hartford. The New Hampshire Insurance Department promoted Keith Nyhan to deputy commissioner. Nyhan has served as director of the Consumer Services unit since 2007. Nyhan brings 28 years of experience in the financial Keith Nyhan services and insurance sectors to his new position. Nyhan’s career began in the U.S. Army, where he reached the rank of sergeant. He then joined John Hancock Financial Services in 1997 as a customer service representative and later a compliance director. He began his tenure at the NHID as the examiner in the Life and Health Market Conduct unit. In his role as director of the Consumer Services unit, he has overseen the recovery of $33 million for consumers.

Midwest

Al Rubosky joined Alliant Insurance Services, based

in Irvine, California, as vice president within its employee benefits group. Rubosky is based in Cleveland, Ohio. Rubosky joins Alliant with over 20 years of experience. Before joining Alliant, Rubosky was an Oswald Companies

INSURANCEJOURNAL.COM

benefits consultant and a Nationwide client relationship representative.

South Central

Texas Mutual Insurance Company, headquartered in

Austin, Texas, promoted two current employees to vice president. Peppia Sherrouse is Texas Mutual’s new vice president of claim operations. She previously served as vice president of regional operations in Houston, Texas, and has nearly Peppia Sherrouse 30 years in the insurance industry. She joined Texas Mutual in 2013 as a senior manager of regional claims. Before joining Texas Mutual, Sherrouse served as branch manager for CorVel Company and as the southern region claims manager for SeaBright Insurance Company.

Chris Dowling was

Chris Dowling

named vice president of regional operations in Houston. Dowling has served as a territory management specialist in Austin since February 2020. He joined Texas Mutual in 2018 as a senior territory manager. Dowling began his career in insurance in 2011 with The Hanover Insurance Group, holding positions in underwriting and sales. In 2014, he joined AF Group and moved into monoline workers’ comp insurance.

Southeast

Alliant Insurance Services

named Scott Myers vice president of its employee benefits group in West Palm Beach, Florida. Myers has 15 years’ experience and has worked as a benefits consultant with an insurance, financial services and human resources technology firm, and with a stop-loss carrier. Myers holds the chartered life underwriter designation, specializing in life insurance and estate planning.

XPT Specialty, a wholesale brokerage with offices in 12 U.S. states, named Mike Jones senior vice president, based at XPT’s newly established Orlando, Florida, office. Jones will oversee hybrid managing general agency/ brokerage placements for contractors, hospitality, product liability and liquor, among others. Jones began his career at Crump Insurance. The Florida Surplus Lines Association installed new

officers and directors at its recent annual convention, including new President Dave DeMott, of Gridiron Insurance Underwriters. Other FSLA 2023-2024 board members include Presidentelect Virginia Clancy, TAPCO Underwriters Inc.; Treasurer Al Geraci, Risk Placement Services; Secretary Tonya Rivera, Johnson & Johnson Inc., of St. Petersburg; Director Darren Marsh, SLB Insurance Group; Director Bresch McCarthy, Hull Jacksonville; Director Amanda Ruppel, CRC Group, Tampa; and Director Chris Siegel, Burns & Wilcox.

NFP, an insurance broker

headquartered in New York, New York, hired Meg McSherry to lead the P/C business in its Atlantic region. McSherry will support new business Meg McSherry and client acquisition and retention and will help manage the region’s commercial P/C account teams. She comes to NFP from Marsh, where she most recently served as U.S. and Canada specialty sales leader. NFP’s Atlantic region includes much of the Southeastern United States.

West

CRC Group named Angela Alaniz as chief digital officer

of its commercial solutions division. Alaniz is based in San Francisco. Alaniz has been with CRC Group since 2010 and most recently served as senior vice president Angela Alaniz of digital solutions. She was previously legal counsel associate vice president at Colemont Insurance Brokers, and was an attorney at Dodge, Anderson, Jones, Bezney & Gilman PC.

C3 Risk & Insurance Services, headquartered in San Diego, named Marife Molina executive vice president of strategic revenue. Molina comes to C3 Risk & Insurance Services from Chubb, where she served as senior vice president, regional leader of its San Diego and Orange County personal and commercial lines operations.

DECEMBER 4, 2023 INSURANCE JOURNAL | 13

Business Moves Massabni Insurance & Financial serves clients across Maryland, District of Columbia, Virginia, Pennsylvania, and Delaware. It is also licensed in Arizona. Liberty Company Insurance Brokers is based in Florida.

Arthur J. Gallagher, The Evans Agency

National

Travelers, Corvus Insurance Holdings

The Travelers Companies said it has agreed to buy cyber managing general underwriter Corvus Insurance Holdings Inc. for about $435 million for its middle-market excess and surplus lines presence. The move comes following a September announcement that Travelers would serve as a capacity provider for Corvus products in the U.S. starting Oct. 1. The companies reached a similar agreement in 2022 for the European market. Travelers said the deal is expected to close in the first quarter 2024. Corvus’ artificial intelligence-driven platform identifies vulnerabilities throughout the policy period to reduce customers’ exposure to cyber events. In late October, Corvus released a report that found ransomware attacks are up globally more than 95%.

Patriot, Douce James Agency

Patriot Growth Insurance Services LLC (Patriot) expanded its presence in Ohio and Pennsylvania with its partnership with the Douce James Agency. This partnership adds additional property/casualty expertise to Patriot’s ever-growing platform. Caleb Douce and Jeff James lead the Douce James Agency. Both previously owned separate agencies before joining forces in 2020. Douce James is full service P/C agency with a farm and agriculture risk management niche. 14 | INSURANCE JOURNAL | DECEMBER 4, 2023

Founded in 2019, Patriot is a national insurance services firm that partners with employee benefits and property/casualty agencies across the United States.

East

Evertree Insurance Services, Prosper Insurance

Connecticut-based independent insurance broker Evertree Insurance Services LLC finalized its acquisition of Virginia Beach-based Prosper Insurance on Nov. 1, bolstering its presence in the Mid-Atlantic region. Prosper has more than 100 employees and serves Virginia, Tennessee, North Carolina, District of Columbia, South Carolina, Maryland, Georgia and Kentucky. Prosper was started in 2007 by Drew Monroe and Rohan Shetty. Evertree was founded in 2022 as a technology-driven personal lines platform by Alex Tuff. It now has 210 employees and serves Midwest, Mountain, and Mid-Atlantic states. It has grown through acquisitions with funding from insurance industry investor Integrum Holdings.

Liberty Company Insurance Brokers, Massabni Insurance & Financial

The Liberty Company Insurance Brokers continues its growth with the acquisition of Massabni Insurance & Financial, a veteran and family-owned agency in Hyattsville, Maryland. The deal was made in partnership with Liberty Boudreau Insurance Services of Owings, Maryland.

Western New York’s Evans Bancorp Inc. has agreed to sell its insurance agency operation, The Evans Agency, to global insurance broker Arthur J. Gallagher & Co. for $40 million. The net gain on the sale, on an after-tax basis, is expected to be approximately $15.1 million. The Evans Agency is a retail insurance agency offering life insurance, employee benefits, and property/casualty insurance throughout New York and the Northeast. Current leadership, including Aaron Whitehouse, president, and direct employees of the agency are expected to join Gallagher. The transaction is subject to customary closing conditions and is anticipated to be completed in the fourth quarter of 2023. Evans Bancorp Inc., headquartered in Williamsville, has been in the insurance business for 23 years during which it has acquired 15 agencies. It has insurance operations in Williamsville, Angola, Hamburg, Depew, Lockport, Wellsville and West Seneca. Evans Bancorp is the parent company of Evans Bank, a commercial bank.

Midwest

Hub, Overmyer Hall Associates

Hub International Limited announced the acquisition of the assets of OH-INS LLC, d/b/a Overmyer Hall Associates. Headquartered in Columbus, Ohio, Overmyer Hall Associates is one of the largest property/casualty insurance agencies in Central Ohio and specializes in commercial insurance, risk management, surety and personal lines. Their heavy emphasis in the construction and real estate industries supports Hub’s Specialty practices by complementing and strengthening its existing capabilities. Overmyer Hall Associates will be INSURANCEJOURNAL.COM

referred to as Overmyer Hall Associates, a Hub International company.

operations, manufacturers, contractors and professional offices.

Warner Pacific, BeneUSA

Hotchkiss, InCore Group

Warner Pacific has expanded into Minnesota by completing its acquisition of BeneUSA LLC, an Excelsior-based employee benefits general agency specializing in ancillary group insurance products and services that cater to insurance brokers, agents, and their organizations. Founded in 2002, BeneUSA provides ancillary group insurance products and services, including life, disability, dental, and vision insurance, to insurance brokers, agents, and their organizations. Warner Pacific, founded in 1982, provides insurance brokers and agents with strategic sales support and consultation, innovative technology, and back-office support. The acquisition further grows Warner Pacific’s offerings and partnerships, establishes its presence in the Midwest, and adds to its operational and sales expertise in ancillary products.

Hotchkiss Insurance has acquired InCore Group, an independent insurance consulting agency serving Texas, Oklahoma, and New Mexico. This move expands Hotchkiss’ footprint for commercial insurance and employee benefits into West Texas and surrounding states. Lubbock, Texas-based InCore Group is known for its innovative strategies and client transparency, which aligns with Hotchkiss Insurance’s ethos. The InCore Group team will remain under the operational leadership of principal and founder, Riley Dearing. Founded in 1975, Texas-based Hotchkiss Insurance specializes in tailored insurance solutions for businesses in the construction, green industries, and hospitality sectors.

West

Risk Strategies, North Bay

Risk Strategies acquired North Bay, an InterWest Insurance Services LLC business unit, adding specialty expertise to its Wineries Practice. With offices in Petaluma and Santa Rosa, California, the North Bay business unit purchase from InterWest includes its Wine Industry Focus Group led by wine and insurance industry veterans Mike Ryan and Sama Hershey Davis. The transaction brings other lines of business and industry specializations including property and development, contracting, recreation and clubs and engineering. Risk Strategies is a privately held US brokerage firm offering risk management advice, insurance and reinsurance placement for property/casualty, employee benefits, private client services, as well as consulting services and financial and wealth services.

South Central

Alliant, 3000 Insurance Group, The Arrow Group

Alliant Insurance Services has acquired 3000 Insurance Group (3IG), a retail property/casualty insurance and employee benefits firm based in Oklahoma City, Oklahoma. Joining the Alliant Americas division, 3IG provides commercial risk management and personal lines insurance coverages. 3IG will operate as Alliant Insurance Services in Oklahoma City. Alliant has also acquired The Arrow Group within its Alliant Americas division. The Arrow Group is a retail P/C insurance agency serving the risk management needs of a local and regional client base. Based in Broken Arrow, Oklahoma, The Arrow Group provides custom insurance programs for business, commercial and personal risk. As an independent insurance agency with deep roots in the community, The Arrow Group serves as the risk manager for clients that include oil and gas contractors, retail businesses, wholesale FRENK16580.indd 1

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DECEMBER 4, 2023 INSURANCE JOURNAL | 15

Special Report: A Century of Insurance Journal

100 Years in Insurance and the As 2023 — Insurance Journal’s 100th anniversary year — comes to a close, we looked back at the past 100 years in insurance history. The following pages reflect 100 moments in history that changed the insurance industry — including the first state to require auto insurance, the passage of the McCarranFerguson Act in 1945, and the unimaginable tragedy on 9/11. We invite you to join us in a look at 100 key moments in time that shaped today’s insurance world. As part of this report, we asked a few thought leaders to share their views on the past 100 years in insurance, as well. We hope you enjoy this look back in time. Everyone at Insurance Journal wishes you a happy holiday season and a prosperous new year. Patrick Ryan Ryan Specialty Founder, Chairman & CEO

“In thinking about the insurance industry and what’s occurred over the past 100 years, the biggest change in my opinion has been in the attitude shift towards the intermediary. In the 1980s and 1990s, conventional wisdom was that the insurance agent and broker was going to be a disintermediated, that with technology innovation, carriers were going to go direct to insureds bypassing the agent and broker. There was a lack of investment in insurance bro-

kerages during this time. All of this flipped with the .com bust in 2000. Technology was not the answer, but the value add that an agent and broker brings to a client with their advice and advocacy was really important. With this shift and realization, the advent of the global broker came to be. In the 1980s and 1990s, there were really only two large brokers and no real global broker. Since 2000, there are now numerous global brokers, and investment money is flowing into this sector. This attitude shift is what I believe has been the major change in the industry over the past 100 years. In my opinion, the US agent and broker is the most valuable asset in the insurance industry.”

Michelle Chia Zurich North America Head of Professional Liability and Cyber “The Year of the Retail Breach, in 2014, propelled cyberattacks onto the list of most-dreaded risks for businesses. The Target credit card breach in December of 2013 sent ripples of disruption into 2014, then Home Depot was hit in summer of 2014. Hackers behind both of these cyber breaches, within months of each other, exploited a similar vulnerability and put corporate America on notice that the responsibility for cyber resilience does not rest

16 | INSURANCE JOURNAL | DECEMBER 4, 2023

solely with IT. The extent of the impact — Target paid $18.5 million in multistate legal settlements alone — shocked and awed Americans into paying attention and, in the case of businesses, taking action. The number of companies purchasing standalone cyber policies leapt 32% in the first half of 2015, according to a Marsh report, and prices for coverage climbed, especially for industries that had been victims of an attack.”

Robert P. Hartwig, PhD Center for Risk and Uncertainty Management, Darla Moore School of Business, University of South Carolina, Clinical Associate Professor, Finance Department and Director

“While many people point to the McCarranFerguson Act of 1945 as the most significant piece of federal legislation impacting the insurance industry over the past century, the reality is that McCarran-Ferguson would never have come into existence were it not for the shocking decision against the industry by the U.S. Supreme Court in the case of the United States vs. South-Eastern Underwriters Association just one year earlier (1944). In that case, the Court found that the industry was in violation of federal antitrust law. The decision seemed to reverse precedent

established 75 years earlier with the Supreme Court’s 1869 decision in Paul v. Virginia Supreme Court 1869, in which the Court had determined that insurance is not interstate commerce and thus is subject to regulation by states as they see fit. The McCarran-Ferguson Act was passed one year later in 1945 to address the apparent contradiction related to the primacy of state versus federal regulation.” Another critical event, according to Hartwig, was the inception of the NFIP. “The National Flood Insurance Act of 1968 launches the NFIP with two primary goals: reducing future flood damage and protecting property owners. The latter goal was necessitated by virtue of the fact that private insurers did not and would not include flood damage in their standard homeowners insur-

Moments We’ve Seen … ance policies. The NFIP’s track record has been very mixed. While millions of homeowners have benefitted from the ability to purchase NFIP coverage, policies were routinely underpriced resulting in tens of billions of dollars in losses in excess of premiums — losses which are ultimately born by taxpayers. More than a half-century of underpricing has also encouraged rampant development in flood-prone areas throughout the country.”

Sharon Emek, PhD WAHVE (Work at Home Vintage Experts) Chairman & CEO

“The COVID pandemic accelerated the adoption of remote work and digital technologies across the insurance industry. Companies had to quickly adapt to remote work environments to ensure business continuity.

Digital tools and platforms became a necessity, leading to increased investment in technology and digital transformation. Overall, the pandemic prompted a reevaluation of business processes and emphasized the importance of workforce adaptability and resilience. Signs indicate the effects of the pandemic will be long-lasting: • Flexible work hours and location have become essential to attract and retain talent. This shift has forced companies to rethink company culture and the mentoring of new hires. • Insurers continue to invest in technology to improve operational efficiency, enhance the customer experience, and support a dispersed workforce. • Continuity planning is now front and center at insurance companies. Insurers are now applying their risk mitigation expertise to their own businesses to prepare for potential threats.”

Norman Heinrich Tokio Marine Highland CEO

“Hurricane Andrew was the single most significant event to impact the insurance industry during my career. For me personally, as someone who was born and raised in Miami, it was shocking to witness the absolute

destruction brought by this storm. No one knew what a Category 5 storm could do, and in many ways, it changed the face of the city forever. Andrew brought attention to aggregate management, as many insurance companies were completely unaware of how much exposure they had in South Florida. Unfortunately, this led to numerous insurance bankruptcies. Not only did it reshape the entire insurance landscape, from reinsurance to regulations, Andrew also changed the housing industry and South Florida building codes, which became stronger and more stringent.”

Bill Wilson InsuranceCommentary.com Founder & CEO

“On, April 1, 1960, NASA launched the first functional meteorological satellite, TIROS-1, in the world. Given the increasing impact of weather on property losses, not to mention life safety, today, the ability to observe the previously unobservable has proven to be instrumental in loss prevention and reduction of weather-related risks. Then in 1971, Insurance Services Office (ISO) was formed by combining dozens of state and regional rating, inspection, and actuarial bureaus into one organization. That was a remarkable accomplishment … I can’t

think of any industry that, to my knowledge, ever accomplished something like that. The value of ISO as an industry coverage standard setter cannot be understated.”

Larry Lineker HUB Executive Vice President, Executive Management Team

“For HUB, the last 25 years has seen unprecedented and increasing complex risks, from the AIG bailout and the financial crisis in 2008, which completely changed the insurance landscape, to the explosion of insurtech and the emergence of digital platforms in 2014, to the increase of catastrophic events, including Hurricanes Andrew, Katrina and Sandy, which changed building codes, deductible and policy structures. But, for me, nothing compares to 9/11. It stands out not only as the impetus for TRIA (Terrorism Risk Insurance Act), which continues to be a vital risk transfer mechanism for clients, especially those in densely populated urban areas like New York City, but also because of the human tragedy and loss of life. It was directly felt in the financial and insurance sectors with many colleagues lost that day and the shattering feeling of insulation in the U.S. from terrorism.”

DECEMBER 4, 2023 INSURANCE JOURNAL | 17

Special Report: A Century of Insurance Journal

1933 & 1934

1931

1923

Insurance Journal launches its first print publication to cover the California insurance market.

Allstate Insurance Co. formed as a subsidiary of Sears & Roebuck Co.

1929

Black Tuesday: Stock Market Crash occurs on Oct. 29, 1929, marking the start of the Great Depression.

Securities Act of 1933 and Securities and Exchange Act of 1934 increase regulations and liabilities of financial institutions, and lead to development of directors and officers insurance policies.

1930 - 1935

1920 - 1930

1944

1936

The Government Employees Insurance Co. (GEICO) is established to provide auto insurance to federal employees and military personnel.

1935 - 1940

1933

1926

1925

Farm Bureau Mutual Automobile Insurance Co., now Nationwide, sells first policy.

18 | INSURANCE JOURNAL | DECEMBER 4, 2023

1940 - 1945

1939

The Banking Act of 1933 establishes the Federal Deposit Insurance Corp.

Massachusetts becomes first state to require automo1929 bile insurance. Chubb & Son begin underwriting aviation risks.

U.S. Supreme Court determines insurance industry should be federally regulated in U.S. v. Southeastern Underwriters Association.

Allstate becomes first insurer to tailor auto rates by age, mileage and car usage.

1937

Progressive Mutual Insurance Co. founded to provide auto insurance; open’s first drive-in claims location.

1938

The Federal Crop Insurance Act enacted to help the agriculture industry.

1939

Great Depression ends. INSURANCEJOURNAL.COM

1947

1955

New York establishes Motor Vehicle Liability Security Fund to cover auto insurance company insolvencies.

1945

Hurricane Diane hits the northeastern U.S., becoming costliest hurricane in history at the time.

1950

McCarran Ferguson Act passed, returning insurance regulation to individual states.

First homeowners insurance package policy introduced to incorporate multiple lines of coverage in one policy.

1945 - 1950

1955

Farm Bureau Mutual Insurance Co. becomes Nationwide Insurance.

1950 - 1955

1955 - 1960

1956

Progressive Casualty Insurance Co. forms as first specialty underwriter of nonstandard insurance.

1954

South Dakota begins issuing driver’s licenses, the last state to do so.

1948

Mississippi becomes last state to enact a workers’ compensation law.

1951

Warren Buffet makes first purchase of GEICO stock.

1956

Black insurance agent Theodore Martin Alexander arranges for Lloyd’s to cover auto policies of black drivers driving carpools during Montgomery, Alabama, bus boycott.

1959

Auto insurance industry forms Insurance Institute for Highway Safety (IIHS).

DECEMBER 4, 2023 INSURANCE JOURNAL | 19

Special Report: A Century of Insurance Journal

1965 1963

Nationwide begins offering medical benefit incentive to policyholders wearing seatbelts in an automobile accident.

Lloyd’s of London syndicates provide first space satellite insurance.

1967

Warren Buffet’s Berkshire Hathaway makes first insurance company acquisition, National Indemnity Co.

1976

Berkshire Hathaway purchases 1 million shares of GEICO stock.

1965

1978

Hurricane Betsy becomes first Atlantic storm to cause at least $1 billion in damages.

1960 - 1965

First environmental impairment liability insurance introduced to fill pollution coverage gaps.

1967

American International Group, Inc. (AIG) incorporates in Delaware.

1965 - 1970

1970 - 1975

1975 - 1980

1964

Civil Rights Act passed, prohibiting discrimination on the basis of race, color, religion, sex or national origin.

1972

1970

1968

The National Flood Insurance Act is passed, establishing the National Flood Insurance Program.

20 | INSURANCE JOURNAL | DECEMBER 4, 2023

The Fair Credit Reporting Act is enacted, requiring insurers to notify consumers if an adverse action is taken because of credit information.

W.R. Berkley Corporation enters insurance market through acquisition of Houston General Insurance Co.

1980

Comprehensive Environmental Response and Liability Act of 1980 imposes cleanup liability on polluters.

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1989

Exxon Valdez oil tanker spills 11 million gallons of oil off Gulf of Alaska, becoming one of the largest environmental disasters in U.S. history.

1994

6.7 magnitude Northridge Earthquake hits Southern California.

1996

GEICO becomes subsidiary of Berkshire Hathaway.

1991 1986

Insurers tighten general liability policy wording to exclude nearly all pollution losses.

1985

1982

First pet policy issued in U.S. by Veterinary Pet Insurance.

American Casualty Excess Insurance Co. and ACE Limited form.

1980 - 1985

1985 - 1990

Anita Hill testimony at Supreme Court justice nomination hearing for Clarence Thomas sparks action over sexual harassment in the workplace and passage of Americans with Disabilities Act and Civil Rights Act of 1991, leading to the evolution of employment practices liability insurance (EPLI).

1993

World Trade Center bombing marks first major act of international terrorism on U.S. soil.

1990 - 1995

Allstate becomes a publicly traded company with largest IPO in U.S. history.

1995 - 2000 1999

1987 1986

1981

The Product Liability Risk Retention Act enacted to allow the formation of self-insurance risk retention groups (RRGs).

AIG introduces first contractors pollution liability policy.

Karen Clark creates first catastrophe model and founds first catastrophe modeling company.

Progressive launches first auto insurance group website, auto-insurance. com.

1989

6.9 magnitude Loma Prieta earthquake causes $10 billion in damage in Northern California.

1983

U.S. Supreme Court rules in favor of automobile insurance industry in lawsuit against federal government for rescinding requirement that new cars be equipped with airbags or automatic seatbelts.

1995

1997

Insurers begin utilizing telematics in auto insurance underwriting.

1987

Piper Alpha offshore oil disaster in North Sea becomes industry’s costliest man-made catastrophe at the time.

1985

Liability insurance crisis begins and lasts around three years.

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1986

Liability Risk Retention Act (LRRA) amends and expands the Product Liability Risk Retention Act of 1981 to increase availability of commercial liability insurance.

1997

First cyber insurance policy is introduced for information technology companies.

1997

Progressive becomes first insurer to enable policyholders to quote and buy auto insurance online.

GrammLeach-Bliley Act (GLBA) enacted, requiring insurers to explain information-sharing practices with consumers and safeguard sensitive data, and for states to establish uniform requirements for the insurance producer licensing process.

1992

Hurricane Andrew slams into South Florida as the costliest hurricane to ever hit the U.S. at the time.

1998

Google Inc. founded in Mountain View, California.

DECEMBER 4, 2023 INSURANCE JOURNAL | 21

Special Report: A Century of Insurance Journal 2002 2000

The GEICO Gecko is introduced in television advertising.

The Terrorism Risk Insurance Act is enacted.

2004

Progressive pilots usage-based auto insurance program in Minnesota.

2012

2010

Hurricane Sandy causes $86 billion in damage across 24 states.

GEICO is first insurer to enable quoting and buying coverage from smartphones.

2014

10,000 gallons of chemicals used to process coal spill from storage tank into Elk River used for drinking water in West Virginia.

2005

Maurice “Hank” Greenberg leaves AIG after 40-year relationship with the company.

2004

2001

Four Hurricanes — Charley, Frances, Ivan and Jeanne — hit Florida in six-week period.

Sept. 11 terrorist attacks on the World Trade Center in New York City and the Pentagon in Washington, D.C.

2012

AIG repays U.S. government total of $205 billion for support provided during 2008 financial crisis.

2005 - 2010

2000 - 2005

2014

Inga Beale becomes first female CEO in Lloyd’s 300+ year history.

2010 - 2015 2010

2009 2005

Hurricane Katrina strikes Gulf Coast.

2008

Great Recession financial crisis leads to U.S. government’s $85 billion bailout of insurance giant AIG.

Nationwide launches iPhone app for customers to process claims, find agents and receive quotes.

22 | INSURANCE JOURNAL | DECEMBER 4, 2023

2010

Insurance technology phenomenon now known as insurtech begins to advance across industry.

2006

Florida’s Citizens Property Insurance Corp., the state-run insurer of last resort, becomes the state’s largest property insurer after mass exodus of private companies.

Dodd-Frank Wall Street Reform and Consumer Protection Act completely overhauls regulation of financial services industry and establishes the Federal Insurance Office.

2010

Deepwater Horizon oil drilling rig explodes and sinks off Gulf Coast, becoming largest oil spill in history.

2014

Allstate introduces first mobile telematics app.

2013

Cyberattack on major retailer Target exposes personal and financial information of 110 million people, costs company $202 million that includes an $18.5 million settlement paid to individual states.

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2017

One of the most active Atlantic hurricane seasons on record, with 17 named storms, 10 hurricanes and 6 major hurricanes.

2016

Hurricane Hermine breaks Florida’s record 11-year hurricane drought.

2021

Western U.S. experiences worst drought since 2000.

2018

Camp Fire in Butte County, California, becomes deadliest fire in state’s history.

2023

2018

Category 5 Hurricane Michael becomes largest storm to hit Florida Panhandle.

2017

California Tubbs Fire destroys more than 5,600 structures in Sonoma and Napa Counties.

2020

The COVID-19 pandemic causes worldwide shutdown, triggers steepest global recession in generations.

2015 - 2020

Wildfire ravages Island of Maui, causing an estimated $4 billion to $6 billion in losses and National Oceanic and Atmospheric Administration predicts 2023 will be warmest year on record. Meanwhile, the insurance industry continues to endure the hardest insurance market in a generation.

2020 - 2023 2020

U.S. experiences 22 climate and weather related disasters totaling $1 billion each for the first time ever.

2016

Lloyd’s launches first electronic placing platform to exchange information and transact business.

2020 2017

Sexual harassment and sexual assault allegations against film producer Harvey Weinstein ignites #MeToo movement and a wave of EPLI lawsuits against executives.

Lloyd’s issues apology for its role in insuring the transatlantic slave trade.

2023

2021

Surfside condominium tower collapse in Surfside, Florida, kills 98 people.

World Health Organization officially declares COVID-19 is no longer a public health emergency

2020

2016

ACE Limited acquires Chubb International for $28.3 billion, adopts the Chubb name.

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2016

Hurricane Matthew causes deadly flooding across Carolinas.

The first COVID business interruption suit was filed on March 16, 2020, by Cajun Conti, owner of the Oceana Grille in New Orleans, against a Lloyd's of London syndicate.

2020

Record breaking Atlantic hurricane season includes 30 named storms, 11 of which made landfall in continental U.S.

2023

Insurance Journal celebrates 100th year, gears up for many more years of delivering relevant insurance news coverage to readers.

DECEMBER 4, 2023 INSURANCE JOURNAL | 23

Idea Exchange: The Competitive Advantage An Apprenticeship

ecently, I spent a week learning about an entirely different industry than insurance. It was a great education. Along the By Chris Burand way, I also learned about their insurance situation. As is common, provably common, about insurance coverages for small and medium sized businesses, they were grossly underinsured. Our own industry states that 75% of small businesses are underinsured and more than 70% don’t even understand what business insurance covers, per a study by Hiscox published Oct. 16, 2023. To quote the famous Cool Hand Luke line, “What we have is a failure to communicate.” That’s the nice way of putting it. These businesses may be small to insurance agencies and companies, but these are big businesses to the owners and frankly, these are high-dollar assets relative to what normal middle class, even upper middle class, people will accumulate. The industry talks down about these businesses too often and pays too little attention to them to the point they don’t even make an attempt to sell them the coverages they likely need, as my 30 years of E&O audits prove. Recently in an E&O audit, a producer even argued he should not offer all the coverages a client might need. How shortsighted is that argument?

Apprenticeship Lessons

My apprenticeship was with a firm with an asset value of probably $5 million; $5 million is a lot of money by most people’s standards. It is a family firm and everything the family has built is in that $5 million asset. Their business is complex with different owners of their different entities and operating in very different industries though in a concentrated geographic area. If they were to be sued (their physical infrastructure is minor compared to their liability exposures) successfully 24 | INSURANCE JOURNAL | DECEMBER 4, 2023

or even unsuccessfully, if their liability coverage is written incorrectly they could lose everything. My goal was to learn about their business and forget about insurance for a while, but me being me, I had to quiz them on their insurance. It turns out, their agent has written their insurance horribly wrong on multiple levels. For example, their agent told the owner it was against state workers’ compensation rules for him to buy workers’ compensation on the owner himself. An agent giving that advice should have their license revoked, and yet I’ve heard many agents who once took a CE course tell me this is true. A workers’ comp policy for an owner of a small to medium business is likely the most cost-efficient policy he/she can buy. It is a death policy, a disability policy,

and an injury policy all wrapped in one premium. The benefits are strong and, in some situations, almost unlimited. If these business owners suffer an injury or death, the business may fail and in doing so, their family will suffer seriously. For those seriously uninformed agents who advise, “Well, your health insurance will cover you.” Do you ever think why medical insurance claims ask where the injury happened? Have you read the health insurance policies that exclude coverage for injuries that could have been covered under other applicable insurance? In other words, if workers’ comp was available, even if the insured did not buy it, medical won’t cover the claim. And, medical insurance doesn’t cover death or disability. Talk about a small business being underinsured! This small business owner INSURANCEJOURNAL.COM

had even asked to be covered for workers’ comp and the agent said it wasn’t available. That is a walking E&O claim on that agent’s entire book because I bet the agent has given all their small commercial clients the same incompetent advice. Next, I asked about their vehicles to learn if the titles of the vehicles were insured under the correct policies. They have personally titled vehicles used almost exclusively for commercial purposes. That is a problem. They have vehicles titled under one entity but insured under another entity. There is no insurable interest here. In other words, the insured is paying premiums for arguably no insurance, other than the agent’s E&O insurance. A producer recently grew rather furious with me for suggesting he needs to know whether the vehicles he’s insuring are titled to the company for whom he is writing the insurance. His initial response was, “How am I supposed to know?” Ask. He did not like that answer. His next response was, “That takes too much time!” It does take extra time to do your job correctly. No one needs fake insurance, more legally known as illusory coverage. Every single person with an insurance license must decide for themselves whether they are going to sell insurance just to sell insurance, in other words be an order taker. In auditing agencies, teaching classes, and doing due diligence on agencies for 30-plus years, I’ve found that order takers are dismissive to their clients in multiple demeaning ways but two in particular are galling. The first is they sell illusory coverage. Like the firm where I did the apprenticeship, management does not know the importance of these issues and from what I gathered, the agent wrote policies INSURANCEJOURNAL.COM

creating illusory coverage. The second galling failure is not offering clients coverage they clearly should consider. I’ve tested agents for decades to even name the 15 or so common homeowners endorsements and no one has ever succeeded. How can a small business owner have all the knowledge required to “order” their insurance adequately? Ordering insurance is not akin to ordering a cheeseburger and fries (or cross-selling, “would you like a shake with that?”).

Offer What Clients Need

Before anyone should cross-sell, they should offer the coverages clients need. In fact, in my experience the few agents who do offer coverages clients truly need outsell the order-takers offering superficial cross-selling by around 10 to 1. As an insurance agent, you have a responsibility to your clients to sell them the coverage they need. These small businesses are placing 100% of their trust in you to do this. They are putting their entire livelihood, their family’s future and their employees’ futures in your hands. It’s a big responsibility that deserves your attention

rather than sending these policies to some service center. If you are not up to this responsibility, please consider getting out of the industry. I’ve yet to see a need for uncaring, incompetent agents. Where I served my apprenticeship, the business was multi-generational going back nearly 100 years. They were indeed sued for a large sum for an incident for which they were not legally responsible and for an injury that has resemblance to a stage drama. Luckily for them, the court saw the reality of the case relatively quickly, so their legal defense cost was relatively small. Had it been large, their inside defense cost would have eroded their liability coverage. This is another deficiency — their agent failed to explain or offer a policy with outside limits. These are three major strikes against the agent, and I did not even review the rest. I imagine their cyber liability has more holes than a net. I doubt they have umbrella policies correctly written. I imagine their pollution coverage is limited to a spilled gallon of paint. And business income? I doubt that is close to written correctly, if offered, based on what I could glean. And yet, this business owner wanted so much to believe the nice agents who had insured him for 20 years would certainly never make such mistakes. Incompetent agents survive through luck and misplaced trust. I am hoping this person switches agents soon — before disaster strikes. I also hope agents are inspired to take the time to provide their clients the attention they deserve and offer the coverages they need. Burand is founder and owner of Burand & Associates LLC based in Pueblo, Colo. Phone: 719-485-3868. E-mail: chris@ burand-associates.com. DECEMBER 4, 2023 INSURANCE JOURNAL | 25

Idea Exchange: Ask the Insurance Recruiter How to Create a ‘Candidate First’ Approach to Recruiting Focus On Career Advancement in the Final Interview

n last month’s Ask the Insurance Recruiter column I offered advice on how insurance organizations can improve job advertisements with my final recommendation to, “Insert as much ‘what candidates want’ information as possible.” As an employer trying to recruit top talent, your ability to speak to issues candidates care about is critical to successful recruiting. This is the essence of the candidate experience. You need a “Candidate First” approach to give people who apply and interview a great experience. There are important times in the recruiting process where you can demonstrate an understanding of and care for the candidate’s pain, as well as offer unique solutions no other company can, especially their current employer.

Provide Information About Flexible Schedules in Job Postings

It used to be that including information about benefits or compensation in your job advertisements significantly increased job applications. Today, the most important thing job seekers want to know is about your flexible work arrangements. You can easily address this in one or two sentences. Keep in mind there are many ways to define flexible schedules. Here’s what insurance professionals told us they want in Capstone’s January 2023 survey: “What strategy do you think works better for insurance organizaBy Mary Newgard 26 | INSURANCE JOURNAL | DECEMBER 4, 2023

Talking about career advancement opportunities at the end of your recruiting process accomplishes two things simultaneously. First, you prove to the candidate that the vision they have for their future is possible. Check out our survey results when we asked, “What kind of insurance career are you looking for this year [2023]?” tions to offer a flexible workplace?”

Talk About Your History, Values, and Mission During the First Interview

As an insurance organization you obviously love the business. The first interview is an opportunity to find common ground with candidates on why they have an interest/passion for insurance. In February 2023, Capstone polled insurance professionals with a simple question: “What is the #1 reason you love working in the insurance industry?”

These results show what topics insurance professionals care about and want to find in a future employer. When you focus on who you are rather than the nuts and bolts of a job, you’ll build rapport that keeps candidates engaged for the entire process.

Second, you know what’s going to make or break your ability to retain them. It seems counterintuitive to worry about retention when you’re recruiting someone, but these two issues go hand in hand. You cannot plant seeds early enough about job satisfaction as shown in Capstone’s midyear 2023 poll, “What do you think best determines an insurance organization’s success with employee retention?”

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

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Idea Exchange: Minding Your Business Industry Trends to Exploit for 2024

gency owners must watch and learn about major trends when they start. Following are key trends that insurance agencies should be tracking for 2024.

1. Insurtech

By Catherine Oak and

Several trends are emerging in the insurtech sector. Artificial intelligence, or AI, and Bill Schoeffler machine learning, have increasingly integrated into insurtech for risk assessment, pricing, underwriting, fraud detection and customer service. In 2024, these technologies are expected to become more sophisticated, offering more personalized and accurate insurance products. Using AI, chatbots and other interactive tools, insurtechs will likely continue improving the customer experience, making insurance more accessible and understandable. As cyber threats evolve, the demand for cyber insurance will likely grow. Insurtech companies focus on developing products that can address emerging cyber risks, such as ransomware attacks and data breaches. One method to mitigate cyber fraud is blockchain technology, which is a shared, immutable ledger that facilitates the process of recording transactions and tracking assets in a business network. Blockchain is being adopted for its potential to improve transparency, reduce fraud and streamline claims processing and payment. There is a move towards hyper-personalized insurance products and services tailored to individual needs and preferences. This personalization is often driven by data analytics and AI. In a similar fashion, on-demand insurance allows customers to instantly obtain coverage for a specific duration or activity, catering to a more flexible, modern lifestyle. INSURANCEJOURNAL.COM

Other technologies being used to customize insurance are the internet of things (IoT) and telematics (a combination of telecommunication and computer information), which continue transforming auto and home insurance. Insurers use data from connected devices to monitor real-time risk and offer usage-based or behavior-based insurance models. Also, carriers’ use of predictive analytics to assess and mitigate risk before it occurs will likely expand, allowing for more proactive insurance models.

2. Market Conditions

A mixed bag of market conditions will continue in 2024. Per the Council of Insurance Agents & Brokers (CIAB), the commercial lines market will generally have hard market conditions with increases in the ballpark of about 8.8%. Boosted by socio-economic uncertainty during the pandemic, rate momentum was pushed even more by high inflation. Weak loss experience and higher insurance rates led to a rebound in pricing momentum this year in both property and auto segments. Property rates grew 20% in 2023, and commercial auto rates were 8.3% higher. D&O liability and cyber risks experienced a sudden flattening of rate changes. According to Fitch Ratings, workers’ compensation has posted the best underwriting profits, with an average combined loss ratio of 89% for the past five years! Florida, Texas and California face various personal lines coverage issues. Florida has dealt with massive insurance fraud and several hurricanes. Texas has

tornadoes and hailstorms, affecting new business coverage and writings. California confronted large wildfire losses and is hitting a wall of limited rate increases. In Florida, the state-sponsored homeowner’s insurer of last resort, Citizen’s Property Insurance Corp., has greatly increased its writings. There have been major reforms signed into law in Florida in recent years. Pro-insurance laws include removing one-way attorney fees, prohibiting the assignment of benefits, and limiting policyholders to file bad faith claims against insurers. Prompt settlement of insurance claims has been the result. Despite the high cost of homes and the significant losses due to wildfires in California, homeowners insurance costs less there than the national average. This is primarily due to the rate increase limitations from Proposition 103 (passed in 1988). Several insurers are no longer writing in the state, noting loss ratios and regulatory burdens. Farmers and State Farm have left or limited writing business in 2023 and likely in 2024, resulting in a crisis as people cannot get any coverage.

3. 2024 M&A Activity and Pricing

What has been putting a damper on some of the acquisition activity is the potential increase in federal taxes on the transaction that could occur as early as the first quarter of 2024 if President Biden has his way. See the tax section of this article. Inflation has also increased greatly, and higher interest rates are putting a damper on the number and value of transactions. Deal count is down 24% in 2023 compared to last year, according to OPTIS Partners, mainly due to the increased cost of capital. Hub International and Broadstreet Partners recorded the most transactions in the first half of 2023, with 29 and 26, respectively. Inszone, World and Patriot Growth, followed with 22, 17 and 16 deals, respectively. Some very active in the past acquirers, PCF, Acrisure and Highstreet Partners, accounted for 75% of the decrease in the number of transactions.

continued on page 28 DECEMBER 4, 2023 INSURANCE JOURNAL | 27

Idea Exchange: Minding Your Business continued from page 27

There is still interest from buyers and valuations for better firms will remain strong. If interest rates continue to rise, some buyers with less strong balance sheets may be forced to the sidelines. The prices currently paid by publicly traded brokers, large regionals and agencies funded by private equity firms are still high. They will hopefully continue to be high for the 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 key buyers today. As long as insurance agencies remain profitable, there will be buyers. According to our discussions with key acquirers, M&A activity is expected to continue with some caveats. According to Clark Wormer, M&A director for HUB International, “HUB has brought on over 60 excellent merger partners through 2023 and hopes to continue this in 2024!” Their current acquisitions help expand their business. Foundation Risk Partners (FRP) began in November 2017, and they are approaching $600 million of annualized revenues by year end 2023. They do not announce their transactions but are now in the top 20 largest U.S. independent agency brokers. They made numerous acquisitions this year and will continue that trend in 2024. FRP is looking for more add-ons and new niches to spread nationwide. They would especially like to add firms in the Pacific Northwest, Texas, the Rockies, the Southwest and New England. They are looking to continue to build existing places, including the Northeast, Southeast, the Midwest and California, where they have many acquisitions already. Risk Strategies Co., based in Boston, closed 37 transactions in 2023, which was their biggest year. They expect to do quite a few in 2024. They look to continue to buy quality firms of scale. They are very well capitalized with excellent capital structure. Alliant Insurance Services, headquartered in Irvine, California, is the eighth largest broker in the U.S., with 130 offices throughout the U.S. Though Alliant is viewed in the insurance distribution market as having exceptional organic growth 28 | INSURANCE JOURNAL | DECEMBER 4, 2023

year over year, 2023 has been a very strong year on the acquisition front, as Alliant had closed on 21 acquisitions as of October 1, 2023. Alliant will continue to seek high-quality businesses that fit well within one or more of their operations (specialty, middle market, underwriting, employee benefits or consumer operations). Inszone Insurance, a prominent player in the insurance industry, has already completed 35 acquisitions in 2023, with 15 more in the pipeline by year-end. Their ambitious goal for 2024 is to reach between 60 to 70 acquisitions, positioning the agency for substantial growth. Inszone’s strategy focuses on expanding into all 50 states, supporting clients with commercial and personal lines as well as employee benefits. Arthur J. Gallagher will continue to be a good player in the acquisition field. They

Many agencies concerned about higher taxes insisted on selling in 2022 and 2023 do not announce the number and value of their transactions. However, they are competitive and looking for great agencies throughout the country. BroadStreet Partners, NFP, High Street, USI and the new acquirers — World, Relation, ALKEME and Patriot — are funded by private equity and venture capitalists. They continue to solicit and buy independent agencies aggressively. They all have large amounts of capital to use for transactions. Private equity firms have been buying up agencies for investors. This makes sense because the return on investment is typically 20% to 30% plus, which is greater than most other available investments today. PE firms often still pay nine- to 11-times EBITDA for well-run agencies!

Deal Terms

There is a broad spectrum of prices today based on the motivation and uniqueness of the seller. Common multiples of EBITDA (Earnings Before Interest, Taxes, Depreciation, and Amortization) range between 8.0 and 11. Occasionally we

may see an EBITDA multiple higher than 11 times, but that is rare. Common multiples of revenue range between 2.5 to 3.5 times revenue. Additional earnouts based on profitability and growth can add a significant amount if the targets are reached. In some cases, the fixed price has an earnout over two years, especially since COVID. Most down payments consist of approximately 80% of the price in cash and the balance in stock. Sometimes the stock can be used for key perpetuation candidates that the seller and buyer want to ensure will remain in the agency after the sale. In this way, they feel a part of it and have some skin in the game to stay on for years after the key owners retire. We usually recommend that our sellers take the 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. A number have been averaging 30% growth in stock value. Smaller books are purchased at around 6.0 to 8.0 times EBITDA. However, there aren’t many books or agencies today that do not command at least two times revenues as a minimum.

4. Peer Acquisitions

There will continue to be a price differential between those who receive offers from “well-funded” buyers and those who sell internally or to local competitors. Local peer buyers and internal buyers cannot easily compete at these high prices and multiples since they usually need to pay for the transactions out of cash flow. Some independents prefer not to sell to a more prominent, often publicly traded firm. There is often a sense of pressure to produce and write larger accounts. In addition, producers in these acquired agencies usually must write commercial lines and benefits accounts over $5,000 in commission or even more for other acquirers to get paid. On the other hand, other acquirers leave the agency alone except to provide markets, accounting, and HR support and don’t even change the seller’s name.

5. Tax Law Changes Likely

With the Democrats continuing to get INSURANCEJOURNAL.COM

bills passed with a large amount of spending, it is very doubtful that the lower tax structure of the previous administration will continue. For agency owners, this also includes whether or not capital gains will be taxed at their current low federal rate of 15% to 20% or be changed to perhaps 39.6%! What is proposed is that for over $1 million in the sale value of any assets, the capital gains rate be eliminated. Instead, a much higher ordinary income tax rate be put in place, perhaps 39.6% versus the current 34.6% rate. Many agencies concerned about higher taxes insisted on selling in 2022 and 2023 to avoid this concern. There is also a strong possibility that state income tax rates will increase, such as in California. Personal income taxes, especially in the higher brackets, are predicted to rise substantially because of the stimulus, as well as the infrastructure and federal budget packages that were passed.

6. Group Benefits and Health Insurance

emphasizing cost-effective care options. The use of technology platforms for the administration of benefits makes enrollment and management more efficient and user-friendly. The industry is looking for ways to cut costs while improving service through the use of telemedicine and digital health services. The adoption of telemedicine has surged, partly accelerated by the COVID-19 pandemic. This trend will likely continue as it offers convenience and lower costs for employers and employees. Another way improved services occur is with the Internet-of-Things (see Insurtech Trends), such as integrating wearable technology with healthcare. Some employers are integrating wearable health technology (like fitness trackers) into their wellness programs, encouraging healthier lifestyle choices and sometimes linking these to incentives within the benefits package. Employers and insurers use data

analytics to effectively tailor benefits programs, manage costs, and improve health outcomes. This includes analyzing health claims data to identify trends and areas for intervention. This ties in with AI and predictive analysis as described under Insurtech Trends.

Summary

The first step is being proactive and knowing how current trends will affect the firm. Managing the agency in a way that exploits these trends will then allow the firm to succeed. Agency owners must also establish business and marketing plans to stay ahead of the competition. 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. To download free templates for Sales and Marketing or Business Planning, visit the firm's website at: www.oakandassociates.com.

Current key trends in group benefits and group health insurance are driven by a combination of technological advancements, changing workforce demographics and expectations, regulatory changes, and the evolving healthcare landscape. There’s a growing trend toward offering more personalized and flexible benefits packages. Employees value the ability to choose benefits that best suit their individual or family needs. Companies increasingly offer benefits that address a broader range of employee needs, such as financial wellness programs, student loan repayment assistance, or flexible working arrangements. Employers are investing more in educating their employees about the benefits available to them and how to use them effectively. An increased focus on mental health started 10 years ago. Mental health benefits are central to group health plans. Employers recognize the importance of mental well-being in their workforce’s health and productivity. With the rising cost of healthcare, there’s a focus on cost management strategies. This includes exploring different funding arrangements, such as self-insurance, and FRENK16581.indd 1

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DECEMBER 4, 2023 INSURANCE JOURNAL | 29

Idea Exchange: Is It Covered? Logic & Language and Forms & Facts 5 Worthy New Year’s Resolutions

“

conceive that the great part of the miseries of mankind are brought upon them by false estimates they made of the value of things.” – Benjamin Franklin By Bill Wilson Last year, I participated in a panel discussion on property undervaluation at the annual conference of the American Association of Insurance Management Consultants. It is no secret that the majority of buildings in this country, both commercial and residential, are underinsured. We’ve known it for decades, yet it continues unabated. At the risk of boring you, but with the hope I can alarm you, let’s examine some statistics that you can share with your customers based on research I did for my presentation. According to a study cited in the June 1976 CPCU Journal, “Insurance Copes With 30 | INSURANCE JOURNAL | DECEMBER 4, 2023

Catastrophe: The Xenia Tornado,” the average home damaged by this tornado was found to be 23% to 28% underinsured. That was almost a half century ago and nothing much has changed other than the numbers may now be worse than ever. Exactly 10 years later, as published in the same journal, a study, “Recovery from the Barneveld Tornado,” found that 79% of total loss respondents were underinsured. Four out of five. A few years later, in 1991, another study cited by the CPCU Society indicated that the average home damaged in the Oakland-Berkeley Hills fire was underinsured by 22%. Some homes were underinsured by 200% to 300%. According to the Insurance Information Institute, in the 1990s almost three-fourths of homes were underinsured by over onethird. In 2003, according to M&S/Boeckh (now CoreLogic), 64% of homes were underinsured by an average of 27%. By 2005, these numbers had improved slightly to 59% and 22%, respectively, though

their analysis found that as much as 73% of many agencies’ books of homeowners business could have been undervalued by an average of up to 35%. Keep in mind that not only are these properties underinsured for total or major losses, but commercial properties written on a coinsurance basis and homeowners dwellings typically written with 80% insurance-to-value conditions are possibly underinsured for even partial losses. Following the 2007 California wildfires, the state insurance department estimated that over half of all impacted homeowners were underinsured and attributed this to inadequacies of valuation tools being used by the insurance industry and/or the training of those using these products. A 2011 article about the 2007 San Diego wildfires authored by law professor Kenneth Klein in the Journal of Social Policy & The Law, “When Enough Is Not Enough: Correcting Market Inefficiencies In The Purchase And Sale Of Residential INSURANCEJOURNAL.COM

Property Insurance,” alleged that 74% of survey responders were underinsured by an average of $240,000. According to industry consultant John Putnam, CPCU, who has consulted on several natural disasters in Colorado, homes impacted by the Waldo Canyon fire in 2012 were underinsured by at least 15-20%. Homes damaged or destroyed in the 2013 Black Forest Fire were, on average, about 35% underinsured. The aforementioned professor Klein wrote another article, “Minding The Protection Gap: Resolving Unintended, Pervasive, Profound Homeowner Underinsurance,” in the Fall 2018 issue of Connecticut Insurance Law Journal that purported that 38% of 2013 Colorado Black Forest Fire survey respondents reported that they were underinsured by an average of $100,000, 53% of 2015 California Valley Fire respondents reported being underinsured by an average of $103,000, and 66% of 2017 California North Bay fires reported underinsurance by an average of $317,000. An article, “Insurance Appraisals and Property Insurance Limit Risk,” published in the second quarter 2019 issue of the MTS Journal asserted that, in 2017 CoreLogic estimated that 75% of commercial businesses were underinsured by 40% or more and that, in 2016 about 60% of homes were undervalued by an average of 17%. Recently, Insurance Journal cited a Hiscox survey that indicated that 75% of small businesses were underinsured across all lines of insurance. About two-thirds carried no workers’ compensation insurance, just over half had no property insurance, and a third had no general liability insurance. Clearly, undervaluation is not limited to direct property loss exposures. Given the current hard market, one of the toughest we’ve experienced in many years, this condition is likely to worsen as policyholders choose to reduce coverage or limits to make insurance more affordable and stay within budgets. According to Swiss Re Sigma No. 5, “Undervaluation of residential property can be driven by a homeowner’s policy choice based on affordability rather than adequate coverage.” INSURANCEJOURNAL.COM

While the numbers cited in this article focus primarily on the adequacy of policy limits for common loss exposures, one thing that consultant John Putnam noticed in his pro bono reviews of scores of homeowners policies was how few of them included coverage broadening endorsements of any kind. Other than the occasional jewelry schedule endorsement, none of the many dozens of broadening endorsements readily available from a variety of carriers were included in many homeowners policies he reviewed. The question is, are we not selling or are consumers not buying outside of hard markets like we find ourselves in today?

Resolutions

But, back to the topic at hand about underinsurance from the standpoint of limits and/or critical coverages, what can we do about this? I would start with the following five resolutions for the New Year and beyond.

First, develop more simplified, but also more accurate, valuation systems.

We can start with eliminating “ballpark” valuations based on five- to 13- item shortcut programs. If properties continue to be systemically undervalued, does some fault lie with the valuation products themselves, with the accuracy of the data, with the predictability of the algorithms?

Second, improve user training and/or limit product use to qualified individuals.

Are agents or contract inspection companies properly trained? Are the users simply not qualified to gather information and process it using these products? Is there a need for a new appraisal certification or designation program?

Third, is there a need to return to some form of “guaranteed” replacement cost coverage? If homes, on average, are

25% underinsured, should there be a 25% increased limit provision from major or catastrophic widespread loss occurrences? Should this be an option or a mandate? Should it be available only if appraisals are conducted by “certified” personnel? Two existing examples of this type of coverage are ISO’s HO 04 11 – Additional Limits Of Liability For Coverages A, B, C, And D or their HO 04 20 – Specified Additional

Amount Of Insurance For Coverage A Dwelling. Are we offering? Are customers buying?

Fourth, make better use of special catastrophic increased limits options.

It’s no secret that underinsurance is more likely to occur following widespread losses such as hurricanes, tornados, wildfires, etc. when labor and materials demands greatly exceed supplies. One such example of this is ISO’s CP 04 09 – Increase In Rebuilding Expenses Following Disaster (Additional Expense Coverage On Annual Aggregate Basis) endorsement. Longer build-back time frames also suggest the need for higher limits of business income coverage and homeowners additional living expenses coverage.

Fifth, make better use of existing coverage options such as inflation guards, extra debris removal coverage, functional replacement cost, etc. Examples

include ISO’s HO 04 46 – Inflation Guard and their CP 04 15 – Debris Removal Additional Insurance endorsements. Pay special attention to debris removal coverage, which is often inadequate and almost always overlooked. Commercial property forms typically place a 25% sublimit of the loss for debris removal with an extra $25,000 or so if needed. In the 2018 California Camp Fire, almost 19,000 structures were destroyed with an estimated 16 billion pounds of debris that had to be removed. Following the 2020 Minnesota riots, debris removal expenses were reportedly $200,000 to $300,000 per building but owners rarely had more than 10% to 20% of that amount available. Hopefully, you’ll agree that minimizing underinsurance in 2024 is a worthy New Year’s resolution. Let’s better use the tools available to us today to achieve that goal and work to improve them in the coming years. Admittedly this is a tough order under hard market conditions but so much is at stake that it compels us to sell coverage, not price, whenever possible.

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. DECEMBER 4, 2023 INSURANCE JOURNAL | 31

2023 Annual Program Directory, Volume II Welcome to Insurance Journal’s 2023 Program Directory, Volume II. 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

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

Association Member Benefits Advisors LLC

Coverages BOP, Cyber Liab, D&O, E&O, EPLI, Event Cancellation, Fidelity Bonds, Identity Theft, Misc Professional Liab, Nonprofit D&O, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Berkley Select | a Berkley Company

Coverages E&O, EPLI, Professional Liability Carrier Status Admitted, Non-admitted States All States

Ironwood Brokers & Insurance Marketing

Coverages GL, Liability Carrier Status Admitted States Most 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 Liability 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 Carrier Status Admitted States All States

Addiction Treatment Facilities Addiction Treatment Providers Insurance Program Coverages Abuse & Molestation, Addiction Treatment, Auto Comm-Standard, Business Income, Business Interruption, Community/Social Svcs, Cyber Liab, D&O, E&O, EPLI, GL, Hired & Non-owned Auto, Identity Theft, Liability, Medical Malpractice, Mental Health Care, Nonprofit D&O, Professional Liab, Property, Sexual Misconduct, Umbrella, Workers’ Comp Carrier Status Non-admitted States All States

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 - Standard, 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

Quaker Special Risk, a Jencap Company (Mass.)

Coverages Abuse & Molestation, CGL, EPLI, GL, Liability, Professional Liab, Umbrella Carrier Status Non-admitted States Most States

Quaker Special Risk, a Jencap Company (New Jersey)

Coverages Abuse & Molestation, CGL, EPLI, GL, Liability, Professional Liab, Umbrella Carrier Status Non-admitted States Most States

Administrative Service Org’s Ryan Specialty National Programs

Coverages Abuse & Molestation, Blanket Addt’l Insureds, Blanket Waivers, Care/Custody/Control, Crime, Employee Benefits, EPLI, Excess Liab, GL, Hired & Non-owned Auto, Professional Liab, Property, Stop-Gap, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

World Wide Specialty, a Div of Philadelphia Ins. Co's

Coverages Abusive Acts, Auto Comm-Standard, Blanket Addt’l Insureds, Blanket Waivers, Care/Custody/Control, Crime, Cyber Liab, D&O, E&O, Employee Benefits, EPLI, Fidelity, Fidelity Bonds, GL, Hired & Non-owned Auto, Misc Professional Liab, Professional Liab, Property, Technology E&O, Umbrella, Workers’ Comp Carrier Status Admitted States All States

Adoption Agencies Nonprofits Insurance Alliance

Coverages CGL, Professional Liability Carrier Status Non-admitted States All States

Nonprofits Insurance Alliance

RPS Signature Programs

Philadelphia Insurance Companies

Amalgamated Insurance Underwriters

Negley Associates

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 Coverages Abuse & Molestation, Addiction Treatment, Commercial Auto - Standard, 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 except LA

Quaker Special Risk, a Jencap Company (Florida)

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 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

Coverages Abuse & Molestation, CGL, EPLI, GL, Liability, Professional Liab, Umbrella Carrier Status Non-admitted States Most States

32 | INSURANCE JOURNAL | NATIONAL DECEMBER 4, 2023

INSURANCEJOURNAL.COM

2023 Annual Program Directory, Volume II Nonprofits Insurance Alliance

Sapphire Blue

Coverages CGL, Professional Liability Carrier Status Non-admitted States All States except KY

Specialty Wholesale Ins. Solution (SWIS), a Div of SPG

Coverages Abuse & Molestation, Auto Comm-Standard Liability, Boiler & Machinery, Crime, Cyber Liab, D&O, Employee Benefits, Environmental Liab, Pollution, Pollution Liab, Workers’ Comp Carrier Status Admitted States All States

Union General Insurance Services Inc.

Coverages GL, Professional Liab, Property Carrier Status Admitted, Non-admitted States AZ, CA, ID, MT, NM, NV, OR, TX, UT, WA

Adult Clubs MAXIMUM

Coverages Abuse & Molestation, Accident & Sickness, Addiction Treatment, Assault & Battery, Business Income, CGL, Crime, D&O, EPLI, Fire, Flood, GL, Hired & Nonowned Auto, Identity Theft, Legal Liability, Liability, Liquor Liability, Personal Property, Professional Liability, Property, Sexual Misconduct, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Agribusinesses

Alarm Monitoring Companies

Allied Healthcare Professionals

Arrowhead General Insurance Agency Inc.

Association Member Benefits Advisors LLC

Coverages Care/Custody/Control, E&O, GL, Property Carrier Status Admitted States All States

Balance Partners - Maven

Coverages CGL, E&O, Excess Liab, GL, Liability, Professional Liab Carrier Status Non-admitted States All States

Brownyard Group

Coverages Assault & Battery, Auto Comm-Standard, Blanket Addt’l Insureds, Care/Custody/Control, CGL, Commercial Excess, Crime, E&O, Fidelity, Fire Legal Liab, GL, Inland Marine, Liability, Lost Key, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States except NE

Philadelphia Insurance Companies

Coverages Abuse & Molestation, Commercial Auto Standard, 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

Atlas General Insurance Services, An RPS Company

Coverages Abuse & Molestation, Addiction Treatment, Auto Comm-Standard, Business Income, Business Interruption, Community/Social Svcs, Cyber Liab, D&O, E&O, EPLI, GL, Hired & Non-owned Auto, Identity Theft, Liability, Medical Malpractice, Mental Health Care, Nonprofit D&O, Professional Liab, Property, Sexual Misconduct, Umbrella, Workers’ Comp Carrier Status Non-admitted States All States

Mark D. Fredricksen Insurance Services

Coverages E&O, Excess Liab, Professional Liability Carrier Status Non-admitted States All States

Omaha National

Coverages Abuse & Molestation, Crime, E&O, EPLI, GL, Nonprofit D&O, Property Carrier Status Admitted, Non-admitted States All States

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 Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States Coverages Auto Comm-Standard, Commercial Excess, Property Carrier Status Admitted States All States except AK, DC, HI 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, E&O, GL, Products Liab, Professional Liab Carrier Status Non-admitted States All States

XPT Specialty

Coverages CGL, Inland Marine, Pollution Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States

Aircraft Manufacturers ABC Aviation Program

Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Business Interruption, Crime, Legal Liab, Property Carrier Status Admitted States All States except WV

Aircraft Repair/Service ABC Aviation Program

Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Business Interruption, Crime, Cyber Liab, Legal Liab, Property Carrier Status Admitted States All States

Airlines Applied Underwriters Inc.

Coverages Cargo, Commercial Excess, D&O, Equipment, Excess Liab, Property, Workers’ Comp Carrier Status Admitted States All States

Airport Owners & Operators ABC Aviation Program

Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Business Interruption, Crime, Cyber Liab, Legal Liab, Property Carrier Status Admitted States All States

Applied Underwriters Inc.

Coverages Combo Personal & Commercial, Liability, Workers’ Comp Carrier Status Admitted States All States

INSURANCEJOURNAL.COM

Balance Partners - Maven

Berkley Select | a Berkley Company

Coverages E&O, Medical Malpractice, Professional Liab Carrier Status Admitted, 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

ProAlly

Coverages Abuse & Molestation, Medical Malpractice, Medical Professional, Professional Liab Carrier Status Non-admitted States All States

Promont Insurance Advisors

Coverages CGL, Commercial Excess, Crime, Cyber Liab, E&O, Employee Benefits, Equipment Breakdown, Fire Legal Liab, Professional Liab, Property Carrier Status Non-admitted States All States

RPS Healthcare

Coverages GL, Hired & Non-owned Auto, Medical Professional Carrier Status Admitted, Non-admitted States All States

Amateur Sports Associations Alive Risk

Coverages Accident & Health, Excess Liab, GL, Inland Marine, Liquor Liab, Prize Indemnification Carrier Status Admitted, Non-admitted States All States

American Specialty Insurance & Risk Services Inc.

Coverages Auto Comm-Standard, CGL, Crime, Employee Benefits, Excess Liab, Liquor Liab, Participant Accident, Property, Workers’ Comp Carrier Status Admitted States All States

K&K Insurance Group Inc.

Gateway Specialty Insurance

Irwin Siegel Agency

Coverages Abuse & Molestation, Accident & Health, Addiction Treatment, Auto Comm-Nonstandard, Commercial Auto - Standard, 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 Liability Carrier Status Non-admitted States All States

Nonprofits Insurance Alliance

Coverages Abuse & Molestation, Auto Comm-Standard, Auto Pers-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 Liability, Mechanical Breakdown, Misc Professional Liability, Nonprofit D&O, Sexual Misconduct, Umbrella, Uninsured Motorists Carrier Status Non-admitted States Most States

NSM Insurance Group

Coverages Abuse & Molestation, Addiction Treatment, Auto Comm-Standard, Business Income, Business Interruption, Community/Social Svcs, Cyber Liab, D&O, E&O, Earthquake, EPLI, Event Cancellation, GL, Hired & Nonowned Auto, Identity Theft, Liability, Medical Malpractice, Mental Health Care, Nonprofit D&O, Professional Liab, Property, Sexual Misconduct, Student Accident, Umbrella, Workers’ Comp Carrier Status Non-admitted States All States

RPS Healthcare

Coverages D&O, EPLI, Excess Liab, GL, Professional Liab, Property Carrier Status Admitted, Non-admitted States All States

RPS Signature Programs

Coverages Auto Pers-Standard, Auto Pers-Standard Phys Dmg, BOP, Cyber Liab, D&O, E&O, Educator Legal Liab, EPLI, Equipment, Event Cancellation, Excess Liab, Fidelity Bonds, GL, Homeowners Pkg, Legal Expense Ins, Liability, Misc Professional Liab, Nonprofit D&O, Occupational Accident, Personal Umbrella, Professional Liab, Student Accident, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Coverages Abuse & Molestation, CGL, Crime, Excess Liab, Inland Marine, Participant Accident, Property Carrier Status Admitted States All States

NSM Insurance Group

Coverages Abuse & Molestation, Accident & Health, Accident & Sickness, Accidental Death, Assault & Battery, Commercial Auto - Standard, Blanket Addt’l Insureds, BOP, Business Income, Business Interruption, Care/Custody/Control, CGL, Equipment, Equipment Breakdown, GL, Inland Marine, Liability, Liquor Liab, Participant Accident, Pool & Spa Liab, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States

Philadelphia Insurance Companies

Coverages Abuse & Molestation, Commercial Auto Standard, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Earthquake, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liability, GL, Hired & Non-owned Auto, Identity Theft, Inland Marine, Legal Expense Ins, Nonprofit D&O, Participant Accident, Professional Liability, Property, Real & Business Personal Property, Sexual Misconduct, Uninsured Motorists Carrier Status Admitted States All States except LA

RPS Signature Programs

Coverages Abuse & Molestation, Blanket Addt’l Insureds, Crime, Cyber Liab, D&O, EPLI, Equipment, Excess Liab, Fiduciary Liab, GL, Herbicide & Pesticide, Hired & Non-owned Auto, Inland Marine, Pollution, Property, Student Accident States All States

Sports & Fitness Insurance Corporation (SFIC)

Coverages Accident & Health, Commercial Auto - Standard, BOP, CGL, Employee Benefits, Flood, GL Carrier Status Admitted, Non-admitted States All States

Sports & Wellness Insurance

Coverages Accident & Health, Crime, Cyber Liab, D&O, GL, Hired & Non-owned Auto, Inland Marine, Property, Umbrella Carrier Status Admitted States All States

www.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

DECEMBER 4, 2023 INSURANCE JOURNAL | NATIONAL | 33

2023 Annual Program Directory, Volume II Ambulance Service Markel

Coverages Abuse & Molestation, Auto Comm-Standard, CGL, Crime, Inland Marine, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States except AK, HI, MA, NY

National Indemnity Company

Coverages Auto Comm-Nonstandard, Auto CommNonstandard Phys Dmg, Medical Payments, Uninsured Motorists Carrier Status Admitted, Non-admitted States All States except HI, MA, NJ, NY

Prime Insurance Company

Coverages Abuse & Molestation, Assault & Battery, Auto Comm-Nonstandard, Auto Comm-Nonstandard Phys Dmg, Commercial Excess, Difference in Conditions, GL, Hired & Non-owned Auto, Motor Truck Cargo, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States All States

Pro-Praxis Insurance

Coverages E&O, Professional Liab Carrier Status Admitted States All States

Amusement Parks Alive Risk

Coverages Excess Liability, GL, Hired & Non-owned Auto, Inland Marine, Liquor Liability, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

American Specialty Insurance & Risk Services Inc.

Coverages Auto Comm-Standard, CGL, Crime, Employee Benefits, Excess Liab, Liquor Liab, Property, Workers’ Comp Carrier Status Admitted States All States

McGowan Allied Specialty Insurance

Coverages Auto Comm-Standard, CGL, Crime, Equipment Breakdown, Excess Liab, Hired & Non-owned Auto, Inland Marine, Property, Workers’ Comp Carrier Status Admitted States All States

The McGowan Companies

Coverages Auto Comm-Standard, Excess Liability, 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

Nonprofits Insurance Alliance

Coverages Abuse & Molestation, Accidental Death, Auto Comm-Standard, Blanket Addt’l Insureds, Blanket Waivers, CGL, Commercial Excess, Community/Social Svcs, Crime, D&O, E&O, Employee Benefits, EPLI, Fire Legal Liab, GL, Liability, Liquor Liab, Misc Professional Liab, Products Liability, Property, Umbrella, Uninsured Motorists Carrier Status Non-admitted States Most States

Antique/Classic Car Dealers

American Collectors Insurance Inc.

Coverages Liability, Physical Damage, Uninsured Motorists Carrier Status Admitted States All States

NSM Insurance Group

Coverages Auto Pers-Standard, Auto Pers-Standard Phys Dmg, Emergency Towing & Service, Identity Theft Carrier Status Admitted States All States except AK, HI

Philadelphia Insurance Companies

Coverages Garage Liability, GL, Inland Marine, Physical Damage, Property, Umbrella Carrier Status Admitted States All States except LA

Apartment Building Owners 5Star Specialty Programs

Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States

AllComp Solutions

Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States

Amalgamated Insurance Underwriters

Coverages Boiler & Machinery, Earthquake, Flood, Property Carrier Status Non-admitted States All States except CO, FL, HI, NY, TX

Anderson & Murison Inc.

Coverages Apartment House Package, Earthquake Carrier Status Admitted, Non-admitted States All States

Atlas General Insurance Services, An RPS Company

Southwest Risk

Berkley Luxury Group, a W.R. Berkley Company

Specialty Wholesale Ins. Solution (SWIS), a Div of SPG

Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States Coverages CGL, Cyber Liability, GKLL, Hired & Non-owned Auto, Property Carrier Status Admitted States DC, GA, IL, MA, MD, MI, MN, NJ, NY, PA, VA, WI

CID Insurance Programs Inc.

Coverages BOP, CGL, Commercial Excess, Excess Liab, Fidelity, GL, Liability, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States AZ, CA, CO, ID, MD, NE, NM, NV, OR, TN, TX, UT, VA, WA

DeCotis Specialty Insurance

Coverages Builders Risk, CGL, Property, Umbrella Carrier Status Admitted, Non-admitted States All States Coverages Assault & Battery, Business Income, D&O, Earthquake, Environmental Liab, Equipment Breakdown, Fire Legal Liab, Flood, Liability, Mechanical Breakdown, Pollution, Pollution Liability, 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

Coverages Business Income, Flood, GL, Medical Payments, Property, Wind Carrier Status Admitted, Non-admitted States CT, DE, MA, MD, ME, NH, NJ, RI, VA, VT

The McGowan Companies

Distinguished Programs

XPT Specialty

Coverages Commercial Excess, Excess Liab, Umbrella Carrier Status Admitted States All States

FTP of California

Coverages Apartment House Package, Assault & Battery, CGL, Earthquake, Excess Liability, Fire, Fire Legal Liability, GL, Medical Payments, New Occurrence, Umbrella Carrier Status Non-admitted States All States

HabPro Insurance

5Star Specialty Programs

Coverages Boiler & Machinery, CGL, Property, Umbrella Carrier Status Admitted, Non-admitted States All States Coverages Builders Risk, Earthquake, GL, Property, Vacant Building Carrier Status Non-admitted States All States except OK, TX 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 Boiler & Machinery, CGL, Property Carrier Status Non-admitted States All States except DC

Logic Underwriters Inc.

Coverages GL, Property Carrier Status Non-admitted States TX

M.J. Hall & Company Insurance Brokers

Coverages Business Income, CGL, COC, Property Carrier Status Admitted, Non-admitted States AK, AZ, CA, CO, HI, ID, KS, MT, ND, NE, NM, NV, OK, OR, SD, TX, UT, WA, WY

MAXIMUM

Coverages Apartment House Package, Boiler & Machinery, Business Income, CGL, COC, Commercial Excess, Difference in Conditions, Earthquake, Equipment Breakdown, Excess Liab, Fire, Fire Legal Liab, Foreclosed Properties, GKLL, GL, Hail, Historic Bldgs/Unique Property, Inland Marine, Liability, Lost Key, Mechanical Breakdown, Personal Property, Physical Damage Rental Units, Pollution, Pool & Spa Liab, Property, Umbrella, Wind Carrier Status Admitted, Non-admitted States All States

MG Skinner & Associates

Coverages Apartment House Package, Boiler & Machinery, Business Income, CGL, Crime, Cyber Liab, D&O, E&O, Earthquake, EPLI, Excess Liab, Flood, Misc Professional Liab, Professional Liab, Property, Tenant Discrimination, Umbrella, Wind, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Monarch E&S Insurance Services

Coverages GL, Property Carrier Status Non-admitted States All States

Moxie Underwriters

Appraisers Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States

Association Member Benefits Advisors LLC

Coverages BOP, Cyber Liab, D&O, E&O, EPLI, Event Cancellation, Fidelity Bonds, Identity Theft, Misc Professional Liab, Nonprofit D&O, Professional Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Balance Partners - Maven

Coverages CGL, E&O, Excess Liability, Professional Liability 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 except AK, LA

Target Professional Programs

Coverages E&O, Professional Liab States All States

Arborists/Tree Services Applied Underwriters Inc.

Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Combo Personal & Commercial, Truck Auto Liab, Workers’ Comp States All States

Balance Partners - Maven

Coverages CGL, E&O, Excess Liab, Professional Liab Carrier Status Non-admitted States All States

Legacy Employer Concepts LLC

Coverages EPLI, Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted, Non-admitted States All States

StateFund First, a Div of Arthur J Gallagher Ins Brokers of CA Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States CA

Architects & Engineers

Coverages Business Income, Equipment Breakdown, GL, Hired & Non-owned Auto, Property Carrier Status Admitted, Non-admitted States AZ, CA, NV, OR, WA

5Star Specialty Programs

NeitClem Wholesale Insurance Brokerage Inc.

Access E&S Insurance Services

Coverages Apartment House Package, Difference in Conditions, Excess Liab, Fire, Flood, Liability, Loss of Use, Tenant Discrimination Carrier Status Admitted, Non-admitted States AZ, CA, NV, TX

Philadelphia Insurance Companies

Coverages Commercial Auto - Standard, 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 except LA

Preferred Concepts LLC

Coverages CGL, Umbrella Carrier Status Admitted States All States

REInsurePro

Coverages Builders Risk, Business Income, CGL, Dwelling Fire, Earthquake, Equipment Breakdown, Flood, Foreclosed Properties, Hail, Hurricane, Medical Payments, Property, Real & Business Personal Prop, Rented Property, Residential Property, Tenant Discrimination, Theft, Vacant Building, Wind Carrier Status Non-admitted States All States except FL, LA, NY

34 | INSURANCE JOURNAL | NATIONAL DECEMBER 4, 2023

Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States 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

Freberg Environmental Inc.

Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Commercial Excess, E&O, Environmental Liab, EPLI, GL, Hired & Non-owned Auto, Pollution, Pollution Liab, Professional Liab, Transportation Pollution Liab, Umbrella Carrier Status Non-admitted States All States

Hull & Company

Coverages Commercial Excess, D&O, E&O, EPLI Carrier Status Admitted, Non-admitted States All States except DC

Ironwood Brokers & Insurance Marketing

Coverages GL, Liability Carrier Status Admitted States Most States

INSURANCEJOURNAL.COM

2023 Annual Program Directory, Volume II J.E. Brown & Associates

PEO Brokers Group

JM Wilson

Promont Insurance Advisors

Coverages Cyber Liab, D&O, E&O, EPLI States AZ, CA, CO, NV, OR, TX, UT, WA 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 Inc.

Coverages BOP, Professional Liab Carrier Status Admitted, Non-admitted States TX

NeitClem Wholesale Insurance Brokerage Inc. Coverages Excess Liability, Professional Liability Carrier Status Admitted, Non-admitted States AZ, CA, NV, TX

NSM Insurance Group

Coverages E&O, Misc Professional Liab, Professional Liab Carrier Status Admitted, Non-admitted States All States

Professional Insurance Concepts

Coverages E&O, EPLI, Professional Liab Carrier Status Admitted States All States

Professional Underwriters Agency (PUA)

Coverages Pollution Liab, Professional Liab Carrier Status Admitted, Non-admitted States All States

Quaker Special Risk, a Jencap Company (Florida)

Coverages Pollution Liab, Professional Liab, Umbrella Carrier Status Non-admitted States Most States

Quaker Special Risk, a Jencap Company (Mass.)

Coverages Pollution Liab, Professional Liab, Umbrella Carrier Status Non-admitted States Most States

Quaker Special Risk, a Jencap Company (New Jersey) Coverages Pollution Liab, Professional Liab, Umbrella Carrier Status Non-admitted States Most States

Target Professional Programs

Coverages E&O, Professional Liability 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

Art and/or Antique Gallery Markel

Coverages Auto Comm-Standard, CGL, Crime, Cyber Liab, Inland Marine, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States

Asset Managers 5Star Specialty Programs

Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States

Preferred Concepts LLC

Coverages CGL, Umbrella Carrier Status Admitted States All States

Assisted Living Centers Amalgamated Insurance Underwriters

Coverages Assault & Battery, Crime, Earthquake, Equipment Breakdown, Flood, Property Carrier Status Non-admitted States All States except CO, FL, HI, LA, NY, TX

CRC Insurance Services

Coverages Excess Liab, GL, Professional Liab, Property, Umbrella Carrier Status Non-admitted States All States except AR, MS, NC, OR, WA

Element22 Insurance Services

The McGowan Companies

Coverages WC - Master Policies/ASO, Workers’ Comp, Workers’ Comp Plus (Alternative) States All States

Coverages E&O, Excess Liab, Professional Liability Carrier Status Admitted States AL, CA, CO, CT, FL, GA, MI, NV, NY, OH, TN, TX, WA

Coverages CGL, Cyber Liab, Liability, Professional Liab, Property Carrier Status Non-admitted States Most States

RPS Healthcare

Coverages D&O, EPLI, Excess Liab, GL, Professional Liab, Property Carrier Status Admitted, Non-admitted States All States

Sapphire Blue

Coverages CGL, Professional Liability Carrier Status Non-admitted States All States except KY

Union General Insurance Services Inc.

Coverages GL, Professional Liability, Property Carrier Status Admitted, Non-admitted States AZ, CA, ID, MT, NM, NV, OR, TX, UT, WA

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 Coverages Accessories, Warranties, Extended Carrier Status Admitted States All States Coverages Auto Pers-Standard, Auto Pers-Standard Phys Dmg, BOP, Cyber Liab, D&O, Educator Legal Liab, EPLI, Equipment, Event Cancellation, Excess Liab, Fidelity Bonds, GL, Homeowners Pkg, Legal Expense Ins, Liability, Misc Professional Liab, Nonprofit D&O, Occupational Accident, Personal Umbrella, Professional Liab, Student Accident, Umbrella, Workers’ Comp Carrier Status Admitted, Nonadmitted States All States

Philadelphia Insurance Companies

Professional Insurance Concepts

Coverages E&O, EPLI, Professional Liability Carrier Status Admitted States All States

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 - Standard, 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 Auto Comm-Standard Liability, Auto CommStandard Phys Dmg, Crime, E&O, Equipment Breakdown, Garage Keepers Legal Liab, Garage Liability, GL, Personal Property, Property Carrier Status Admitted States All States except AK, FL, HI, LA

GMI Insurance Services

Coverages Auto Comm-Standard, Garage Liability, GL, Workers’ Comp Carrier Status Admitted States All States except MA, NY

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, DC, HI, MA, NY

NeitClem Wholesale Insurance Brokerage Inc.

Coverages GL, Property Carrier Status Admitted, Non-admitted States AZ, CA, NV, TX

Omaha National

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

Association Member Benefits Advisors LLC

Coverages BOP, Cyber Liab, E&O, EPLI, Event Cancellation, Fidelity Bonds, Identity Theft, Legal Malpractice, Nonprofit D&O, Professional Liability, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Berkley Select | a Berkley Company

Coverages E&O, EPLI, Professional Liability Carrier Status Admitted, Non-admitted States All States

Lawyer’s Protector Plan

Coverages E&O, Legal Liab, Legal Malpractice, Professional Liability Carrier Status Admitted States Most States

Coverages Workers’ Comp Carrier Status Admitted States AZ, CA, CT, GA, IA, IL, NC, NE, NJ, NY, PA, SC

Auto Dealers AAU, A division of USG Insurance Services

Coverages Dealers Open Lot, Garage Keepers Legal Liab, Garage Liability, GKLL, Motor Truck Cargo, Umbrella Carrier Status Admitted, Non-admitted States All States

Amwins - 150+ Locations Worldwide

Coverages Pollution, Pollution Liability Carrier Status Non-admitted States All States

CID Insurance Programs Inc.

Coverages BOP, CGL, Commercial Excess, Dealers Open Lot, EPLI, Excess Liab, Fidelity, Garage Keepers Legal Liab, Garage Liability, GKLL, Liability, Property, Umbrella, Uninsured Motorists, Workers’ Comp Carrier Status Admitted, Non-admitted States AZ, CA, CO, ID, NE, NM, OR, TN, TX, UT, VA, WA

GMI Insurance Services

Coverages Auto Comm-Standard, GL, Workers’ Comp Carrier Status Admitted States All States except MA, NY

Izzo Insurance Services, A division of Hull & Company LLC Coverages Blanket Waivers, Workers’ Comp Carrier Status Admitted States All States

Number One Insurance Agency

Coverages Excess Liab, Professional Liab Carrier Status Admitted, Non-admitted States MA

KBK Insurance Group Inc.

Quirk & Company

Coverages CGL, Professional Liability, 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

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

INSURANCEJOURNAL.COM

Auctioneers Markel

Arrowhead General Insurance Agency Inc.

Association Member Benefits Advisors LLC

Coverages Abuse & Molestation, Business Income, Business Interruption, Catastrophe, Hurricane Carrier Status Admitted, Non-admitted States All States

Nonprofits Insurance Alliance

Coverages E&O, Excess Liab, Professional Liability Carrier Status Admitted, Non-admitted States All States

Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States

Applied Underwriters Inc.

Target Professional Programs

Vanguard Specialty

Coverages Dealers Open Lot, Garage Keepers Legal Liab, GL, On-Hook Cargo, Physical Damage, Property, Umbrella Carrier Status Admitted States All States except AK, DC, 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

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

DECEMBER 4, 2023 INSURANCE JOURNAL | NATIONAL | 35

2023 Annual Program Directory, Volume II 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

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)

Applied Underwriters Inc.

Coverages Auto Comm-Standard, Auto Comm-Standard Phys Dmg, Workers’ Comp Carrier Status Admitted States All States

Arrowhead General Insurance Agency Inc.

Coverages Auto Comm-Standard Liability, Auto CommStandard Phys Dmg, Crime, Equipment Breakdown, Garage Keepers Legal Liability, Property, Umbrella Carrier Status Admitted States All States except FL, TX

Ashley General Agency

Coverages Garage Keepers Legal Liab, Garage Liability, GKLL Carrier Status Non-admitted States TX

Bass Underwriters

Coverages Dealers Open Lot, Garage Keepers Legal Liab States Most States

Coverages Dealers Open Lot, Excess Liab, Garage Keepers Legal Liab, Garage Liability, GKLL, Medical Payments, Property, Umbrella, Uninsured Motorists Carrier Status Non-admitted States AR, MO, OK

GMI Insurance Services

Wilkoff Bonds

Gorst & Compass Insurance

Coverages Crime, Fidelity, Fidelity Bonds Carrier Status Admitted States All States

Auto Dismantlers/Wrecking Yards KBK Insurance Group Inc.

Coverages Dealers Open Lot, Garage Keepers Legal Liab, GL, On-Hook Cargo, Property, Umbrella Carrier Status Admitted States All States except AK, DC, HI, MA, NY

Auto Haulers/Transporters AAU, A division of USG Insurance Services

Coverages Auto Comm-Standard Phys Dmg, Cargo, Motor Truck Cargo, Physical Damage Carrier Status Admitted, Non-admitted States All States

Apollo General Ins. Agency Inc.

Coverages Auto Comm-Nonstandard Liability, Auto CommNonstandard Phys Dmg, Blanket Addt’l Insureds, Blanket Waivers, CGL, Commercial Excess, Contractors Equip, Environmental Liab, Equipment, Fidelity Bonds, Inland Marine, Pollution, Tools & Equip, Transportation Pollution Liab, Workers’ Comp Carrier Status Non-admitted States All States except AK, HI

Applied Underwriters Inc.

Coverages Auto Comm-Standard Liability, Auto CommStandard Phys Dmg, Workers’ Comp Carrier Status Admitted States All States

DeCotis Specialty Insurance

Coverages GL, Motor Truck Cargo, Physical Damage Carrier Status Non-admitted States CT, DE, MA, MD, ME, NH, NJ, RI, VA, VT

Lancer Insurance Company

Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg Carrier Status Admitted States CT, NJ, NY, PA

Prime Insurance Company

Coverages Abuse & Molestation, Assault & Battery, Auto Comm-Nonstandard, Auto Comm-Nonstandard Phys Dmg, Commercial Excess, Dealers Open Lot, Difference in Conditions, Garage Keepers Legal Liab, Garage Liability, GKLL, GL, Hired & Non-owned Auto, Motor Truck Cargo, On-Hook Cargo, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States All States

Star Mutual RRG

Coverages Auto Comm-Standard, Auto Comm-Standard Liability Carrier Status Admitted, Non-admitted States AZ, CA, DE, IA, IL, KS, MO, NC, NJ, OH, PA, SC, TN, VA

Auto Repair Shops/Garages AAU, A division of USG Insurance Services

Coverages Auto Comm-Standard Phys Dmg, Dealers Open Lot, Garage Keepers Legal Liab, Garage Liability, GKLL, Motor Truck Cargo, Umbrella Carrier Status Admitted, Non-admitted States All States

American Management Corporation

Coverages Fire Legal Liab, Garage Liability, GKLL, GL, Inland Marine, Liquor Liab, Property Carrier Status Admitted, Non-admitted States All States except AK, DC, HI, MA, NY

Amwins - 150+ Locations Worldwide Coverages Pollution, Pollution Liability Carrier Status Non-admitted States All States

Coverages Auto Comm-Standard, Garage Liability, GL, Workers’ Comp Carrier Status Admitted States All States except MA, NY Coverages Garage Liability, GKLL, GL, Property Carrier Status Non-admitted States CA

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, DC, HI, MA, NY

M.J. Hall & Company Insurance Brokers

Coverages Business Income, Commercial Excess, Excess Liab, Fire, Garage Liability, GKLL, Medical Payments, Property, Real & Business Personal Prop Carrier Status Non-admitted States AK, AZ, CA, CO, HI, ID, KS, MT, NE, NM, NV, OK, OR, SD, TX, UT, WA, WY

Monarch E&S Insurance Services

Coverages GL, Property Carrier Status Non-admitted States All States

PartnerOne Environmental

Coverages Environmental Liability, Pollution, Pollution Liability, Transportation Pollution Liab States All States

Roush Insurance Services Inc.

Coverages Business Income, Business Interruption, Care/ Custody/Control, Commercial Excess, Environmental Liab, Equipment, Excess Liab, Garage Liability, GKLL, GL, Hired & Non-owned Auto, Inland Marine, Lost Key, Medical Payments, Physical Damage, Pollution, Property, Real & Business Personal Prop, Tools & Equip, Wrongful Repo Carrier Status Non-admitted States IA, IL, IN, OH, WI

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

Arrowhead General Insurance Agency Inc.

Coverages Auto Comm-Standard Liability, Auto CommStandard Phys Dmg, Crime, E&O, Equipment Breakdown, Garage Keepers Legal Liability, Garage Liability, GL, Personal Property, Property Carrier Status Admitted States All States except AK, FL, HI, LA

Atlas General Insurance Services, An RPS Company

Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States

CID Insurance Programs Inc.

Coverages BOP, CGL, Commercial Excess, Dealers Open Lot, EPLI, Excess Liab, Fidelity, Garage Keepers Legal Liab, Garage Liability, GKLL, 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

GMI Insurance Services

Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Garage Liability, GL, Workers’ Comp Carrier Status Admitted States All States except MA, NY

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, DC, HI, MA, NY

Anderson & Murison Inc.

Coverages Garage Liability, GL, Professional Liab, Property, Tools & Equip Carrier Status Admitted, Non-admitted States All States

36 | INSURANCE JOURNAL | NATIONAL DECEMBER 4, 2023

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 Liability, Professional Liability, 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 GMI Insurance Services

Coverages Auto Comm-Standard Liability, Auto CommStandard Phys Dmg, Garage Liability, GL, Property, Workers’ Comp Carrier Status Admitted States All States except MA, NY

Mexico Insurance Online

Coverages Auto Pers-Nonstandard, Auto Pers-Nonstandard Phys Dmg, Auto Pers-Standard, Auto Pers-Standard Phys Dmg, Emergency Towing & Service, Int’l Coverage - Personal States All States

Philadelphia Insurance Companies

Coverages Lessors Contingent Liab, Lessors Contingent Phys Dmg, Lessors Excess Liab Carrier Status Admitted States All States except LA

Auto/Truck Rental Operations GMI Insurance Services

Coverages Interim Car Liab/Phys Dmg, Lessors Contingent Liab, Lessors Contingent Phys Dmg, Lessors Excess Liab, Workers’ Comp Carrier Status Admitted States All States except MA, NY

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

Bars/Taverns Anderson & Murison Inc.

Coverages Assault & Battery, Business Income, Crime, Equipment Breakdown, Food Spoilage, GL, Liquor Liab, Medical Payments, Property, Real & Business Personal Prop Carrier Status Admitted, Non-admitted States All States

Bass Underwriters

Coverages Excess Liab, GL, Liquor Liab, Property, Umbrella States Most States

Business Alliance Insurance Company

Coverages Business Interruption, CGL, Cyber Liab, EPLI, Equipment Breakdown, Liquor Liab, Property States CA

Gorst & Compass Insurance

Coverages Business Income, Food Spoilage, GL, Glass, Liability, Liquor Liab, Property Carrier Status Non-admitted States CA

M.J. Hall & Company Insurance Brokers

Coverages CGL, Crime, Liquor Liability, Property Carrier Status Non-admitted States AK, AZ, CA, CO, HI, ID, KS, MT, NE, NM, NV, OK, OR, SD, TX, UT, WA, WY

NeitClem Wholesale Insurance Brokerage Inc.

Coverages Assault & Battery, Excess Liab, Fire, Fire Legal Liab, Liability, Liquor Liab Carrier Status Admitted, Non-admitted States AZ, CA, NV, TX

Number One Insurance Agency

Coverages Assault & Battery, Excess Liab, Flood, GL, Liquor Liab, Property, Vacant Building Carrier Status Admitted States MA

Quaker Special Risk, a Jencap Company (New Jersey) Coverages Crime, Excess Liab, Liquor Liab Carrier Status Non-admitted States DE, GA, NJ, NY

Specialty Insurance

Coverages Assault & Battery, Boiler & Machinery, Business Income, Business Interruption, CGL, Completed Operations Liab, Crime, Fire, Fire Legal Liab, GL, Glass, Hired & Nonowned Auto, Liability, Liquor Liab, Medical Payments, Property, Real & Business Personal Prop, Spoilage, Theft Carrier Status Admitted, Non-admitted States AZ, CA, CT, DE, FL, GA, IL, MA, MD, MI, MN, MO, NC, NJ, NY, OH, PA, RI, SC, TN, TX

TAPCO Underwriters Inc.

Coverages GL, Liquor Liability, Products Liability, Property Carrier Status Non-admitted States Most States

INSURANCEJOURNAL.COM

2023Annual AnnualProgram ProgramDirectory, Directory,Volume VolumeIIII 2023 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 Liability, Fire, Food Spoilage, GL, Glass, Liability, Liquor Liability, Medical, Medical Payments, Products Liability, Property, Theft, Umbrella Carrier Status Non-admitted States AR, IA, ID, IL, IN, KS, KY, MO, OK, TN

XPT Specialty

Coverages Assault & Battery, GL, Liquor Liab, Property Carrier Status Admitted, Non-admitted States All States

Beauty/Barber Shops/Salons/Schools/ Supplies Anderson & Murison Inc.

Coverages Crime, E&O, GL, Hired & Non-owned Auto, Medical Payments, Property, Sexual Misconduct Carrier Status Admitted, Non-admitted States All States

Balance Partners - Maven

Coverages CGL, E&O, Excess Liability, Professional Liability Carrier Status Non-admitted States All States

Bass Underwriters

Coverages GL, Property States Most States

Marine Agency Corporation

Coverages Abuse & Molestation, Abusive Acts, Auto Comm-Standard, Blanket Addt’l Insureds, BOP, Business Interruption, CGL, EPLI, GL, Hired & Non-owned Auto, Liability, Professional Liab, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except AK, HI

Markel

Coverages BOP, Umbrella, Workers’ Comp Carrier Status Admitted States Most States

Professional Program Ins. Brokerage, a Div of SPG Ins.

Coverages Abuse & Molestation, Cyber Liab, Equipment Breakdown, Excess Liab, Liability, Misc Professional Liab, Professional Liab, Property 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 Liability, Property, Real & Business Personal Property, Theft, Tools & Equipment, Workers’ Compensation Carrier Status Admitted States All States except AK, HI, VA, WA

TAPCO Underwriters Inc.

Coverages GL, Products Liab, Professional Liab, Property Carrier Status Non-admitted States Most States

Universal Insurance Programs

Coverages Abuse & Molestation, Business Income, Business Interruption, CGL, Crime, E&O, Employee Benefits, EPLI, Equipment Breakdown, Excess Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Liability, Products Liab, Professional Liab, Property, Real & Business Personal Prop, Stop-Gap, Theft, Umbrella Carrier Status Admitted States All States

Bed & Breakfasts

Philadelphia Insurance Companies

Coverages Commercial Auto - Standard, Boiler & Machinery, Business Income, Care/Custody/Control, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liability, Fire Legal Liability, 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

INSURANCEJOURNAL.COM

Boat Dealers

K&K Insurance Group Inc.

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 - Standard, 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

The Hanover Insurance Group

Coverages Auto Comm-Standard, CGL, Crime, D&O, Environmental Liab, EPLI, Equipment, Fine Arts, GKLL, GL, Hull, Legal Liab, Liability, Liquor Liab, Marina Operators Legal, Physical Damage, Piers & Docks, Pollution Liab, Products Liab, Protection & Indemnity (P&I), Watersports Liab, Workers’ Comp Carrier Status Admitted States All States

Boat Rental Firms Markel Personal Lines

Coverages Auto Comm-Standard, CGL, Crime, D&O, EPLI, Excess Liab, Inland Marine, Property, Workers’ Comp Carrier Status 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 Standard, 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 Philadelphia Insurance Companies

Coverages Commercial Auto - Standard, 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 States except LA

Coverages Boats, Commercial Marine, Hull, Watercraft Liab Carrier Status Admitted States All States

Broadcasters

Sun Coast General Insurance Agency

Amwins - 150+ Locations Worldwide

Coverages GL, Physical Damage Rental Units, Watercraft Liab Carrier Status Admitted, Non-admitted States AK, AZ, CA, FL, NV, OR, UT, WA

Coverages Auto Comm-Standard, Business Interruption, Crime, GL, Inland Marine, Property, Umbrella Carrier Status Admitted States All States

Campgrounds

Bowling Alleys K&K Insurance Group Inc.

Breckenridge Insurance

McGowan Allied Specialty Insurance

K&K Insurance Group Inc.

Coverages Auto Comm-Standard, Boiler & Machinery, CGL, Crime, EPLI, Excess Liab, Property, Workers’ Comp Carrier Status Admitted States All States except FL 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 Standard, 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 except LA

Sports & Wellness Insurance

Coverages Accident & Health, Crime, Cyber Liab, D&O, GL, Hired & Non-owned Auto, Inland Marine, Property, Umbrella Carrier Status Admitted States All States

Coverages Auto Comm-Standard, Boiler & Machinery, CGL, Crime, D&O, EPLI, Inland Marine, Liquor Liab, Property, Workers’ Comp Carrier Admitted States All States except FL

McGowan Allied Specialty Insurance

Coverages Auto Comm-Standard, CGL, Crime, Equipment Breakdown, Excess Liab, Hired & Non-owned Auto, Inland Marine, Property, Workers’ Comp Carrier Status Admitted States All States

Philadelphia Insurance Companies

Coverages Commercial Auto - Standard, 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

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 Liability, Property, Umbrella Carrier Status Admitted, Non-admitted States All States except AK, HI, LA

Irwin Siegel Agency

Coverages Auto Comm-Standard, Crime, Cyber Liab, D&O, GL, Inland Marine, Property, Umbrella, Workers' Comp Carrier Status Admitted States All States except AK, HI, NY

Coverages Abuse & Molestation, Accident & Health, Commercial Auto - Standard, 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

Coverages Commercial Auto - Standard, 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

K&K Insurance Group Inc.

Coverages Auto Comm-Standard, Business Income, Crime, GL, Hired & Non-owned Auto, Inland Marine, Property, Workers’ Comp Carrier Status Admitted States All States except FL

Philadelphia Insurance Companies

Coverages Abuse & Molestation, Commercial Auto Standard, Boiler & Machinery, Business Income, Business Interruption, CGL, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liability, Fire Legal Liability, Food Spoilage, GL, Identity Theft, Inland Marine, Participant Accident, Professional Liability, 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

DECEMBER 4, 2023 INSURANCE JOURNAL | NATIONAL | 37

2023 Annual Program Directory, Volume II 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

Cemeteries

Churches/Religious Institutions

Brownyard Group

AAU, A division of USG Insurance Services

Sports & Wellness Insurance

Coverages Auto Comm-Standard, Business Income, CGL, Commercial Excess, Crime, D&O, E&O, EPLI, Equipment, Fine Arts, GL, Inland Marine, Liability, Professional Liability, Property, Tools & Equip Carrier Status Admitted States All States except AK, FL, HI, WA

Cannabis/Marijuana - Dispensary and Growers

ChemPlan - Chemical Insurance

Coverages Accident & Health, Crime, Cyber Liab, D&O, GL, Hired & Non-owned Auto, Inland Marine, Property, Umbrella Carrier Status Admitted States All States

Breckenridge Insurance

Coverages EPLI, Property, Workers’ Comp Carrier Status 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, WC Master Policies/ASO, Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted, Non-admitted States All States

Chemical Manufacturers/Distributors

Coverages Auto Comm-Standard Liability, Auto CommStandard Phys Dmg, D&O, Equipment Breakdown, Liability, Property, Workers’ Comp Carrier Status Admitted States All States

MAXIMUM

Builders & Tradesmen’s Insurance Services Inc. (BTIS)

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 Liability Carrier Status Admitted, Non-admitted States AZ, CA, NV, TX

J.E. Brown & Associates

Charity First Insurance Services Inc.

Child Care/Day Care Centers

Legacy Employer Concepts LLC

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

M.J. Hall & Company Insurance Brokers

Great American Ins. Group, Specialty Human Services

Coverages Auto Comm-Standard, BOP, GL, Products Liab, Property States AZ, CA, CO, NV, OR, TX, UT, WA Coverages EPLI, Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted, Non-admitted States All States

Coverages GL, Property Carrier Status Non-admitted States All States

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

PEO Brokers Group

Indemnity Excess & Surplus Agency Inc.

Coverages Business Income, CGL, GL, Products Liability, 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 WC - Master Policies/ASO, Workers’ Comp, Workers’ Comp Plus (Alternative) States All States

Professional Program Ins. Brokerage, a Div of SPG Ins. Coverages Bailee/Customer Goods, GL, Inland Marine, Products Liab, Property Carrier Status Non-admitted States All States

StateFund First, a Div of Arthur J Gallagher Ins Brokers of CA Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States CA

Casinos Distinguished Programs

Coverages Cyber Liability, Liability, Umbrella Carrier Status Admitted, Non-admitted States All States

K&K Insurance Group Inc.

Coverages Auto Comm-Standard, Boiler & Machinery, CGL, Crime, EPLI, Inland Marine, Property, Workers’ Comp Carrier Status Admitted States All States

Caterers Specialty Insurance

Coverages Assault & Battery, Boiler & Machinery, Business Income, Business Interruption, CGL, Completed Operations Liability, Crime, Fire, Fire Legal Liability, Food Spoilage, GL, Glass, Liability, Liquor Liability, 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

www.insurancehelper.com

Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Completed Operations Liab, GL, Hired & Non-owned Auto, Liability, Liquor Liability, Medical Payments, Personal Liability, Products Liability, Trade Shows & Festivals Carrier Status Non-admitted States All States

XPT Specialty

Coverages Business Income, Business Interruption, CGL, Fire, Fire Legal Liab, Liability, Medical Payments, New Occurrence, Products Liab, Property Carrier Status Admitted, Non-admitted States All States

AMIS/Alliance Marketing & Insurance Services LLC

Coverages Auto Comm-Standard, CGL, Environmental Liab, Property, Umbrella Carrier Status Admitted States All States

GMI Insurance Services

Coverages Auto Comm-Nonstandard, Auto CommNonstandard Phys Dmg, Cargo, Motor Truck Cargo, Theft, Workers’ Comp Carrier Status Admitted, Non-admitted States AZ, CA, CO, CT, IL, MA, ME, MI, MT, NJ, NM, NV, NY, OR, RI, VA, VT, WA

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

Coverages Abuse & Molestation, Addt’l Expense, Business Income, CGL, Equipment Breakdown, Excess Liab, Professional Liab, Property Carrier Status Admitted, Non-admitted States AZ, CA, CO, FL, ID, NV, OR, TX, WA

Markel

Coverages Abuse & Molestation, Auto Comm-Standard, CGL, Crime, Cyber Liab, Inland Marine, Property, Student Accident, Umbrella, Workers’ Comp Carrier Status Admitted States All States except HI

Nonprofits Insurance Alliance

Coverages Abuse & Molestation, Auto Comm-Standard, Auto Comm-Standard Phys Dmg, Blanket Addt’l Insureds, Business Income, Business Interruption, CGL, Community/Social Svcs, Crime, Developmental Disabilities, EPLI, Fiduciary Liability, Fire Legal Liability, Hired & Non-owned Auto, Inland Marine, Liquor Liability, Mechanical Breakdown, Misc Professional Liability, Nonprofit D&O, Sexual Misconduct, Umbrella, Uninsured Motorists Carrier Status Non-admitted States Most States

Philadelphia Insurance Companies

Coverages Abuse & Molestation, Commercial Auto - Standard, 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 Philadelphia Insurance Companies

Coverages Commercial Auto - Standard, Business Income, Care/Custody/Control, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liability, GL, Hired & Non-owned Auto, Identity Theft, Legal Expense Ins, Personal Property, Professional Liability, Protection & Indemnity (P&I), Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA

38 | INSURANCE JOURNAL | NATIONAL DECEMBER 4, 2023

Coverages BOP, D&O, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except AK, NY

Care Providers Insurance Services

Coverages Abuse & Molestation, Accident & Health, Auto Comm-Standard, Crime, D&O, EPLI, Excess Liab, GL, Inland Marine, Professional Liab, Property Carrier Status Admitted States All States

Element22 Insurance Services

Coverages Catastrophe, Fire, Hurricane, Wind Carrier Status Non-admitted States AL, AR, FL, GA, KS, LA, MA, MS, NC, OK, PA, SC, TN, TX, VA

Gateway Specialty Insurance

Coverages Abuse & Molestation, EPLI, GL, Nonprofit D&O, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States except AK, HI, LA

Gorst & Compass Insurance

Coverages CGL, Glass, Property Carrier Status Non-admitted States CA

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 - Standard, 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

Philadelphia Insurance Companies

Commercial Building Owners Applied Underwriters Inc.

Coverages Builders Risk, Combo Personal & Commercial, Commercial Excess, Workers’ Comp Carrier Status Admitted States All States

Business Alliance Insurance Company Coverages BOP, Equipment Breakdown Carrier Status Admitted States CA

CID Insurance Programs Inc.

Coverages Apartment House Package, BOP, Business Income, CGL, Commercial Excess, Crime, Cyber Liab, EPLI, Fidelity, GL, Hired & Non-owned Auto, Liability, Loss of Use, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States AZ, CA, CO, ID, MD, NE, NM, NV, OR, PA, TN, TX, UT, VA, WA

INSURANCEJOURNAL.COM

2023 Annual Program Directory, Volume II Continental Underwriters Inc.

Coverages Combo Personal & Commercial, Commercial Excess, Crime, Cyber Liability, Employee Benefits, Equipment Breakdown, GL, Inland Marine, Int’l Coverage Commercial, Property, Umbrella, Wind, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

DeCotis Specialty Insurance

Coverages Apartment House Package, Business Income, CGL, Commercial Excess, Flood, Medical Payments, Property, Wind States CT, DE, MA, MD, ME, NH, NJ, PA, RI, VA, VT

Distinguished Programs

Coverages Boiler & Machinery, Builders Risk, CGL, GL, Property, Umbrella, Vacant Building Carrier Status Admitted, Non-admitted States All States

FTP of California

Coverages Builders Risk, CGL, Property, Vacant Building Carrier Status Non-admitted States All States

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, DIC, Liability, Property Carrier Status Admitted, Non-admitted States AZ, CA, NV, TX

Preferred Concepts LLC

Coverages Excess Liab, GL, Umbrella Carrier Status Admitted States All States

Promont Insurance Advisors

Coverages CGL, Cyber Liab, Property Carrier Status Non-admitted States All States

REInsurePro

Coverages GL, Property, Vacant Building Carrier Status Non-admitted States IN, MO, OH, PA, TX

Roush Insurance Services Inc.

Coverages Apartment House Package, Auto CommStandard, Blanket Addt’l Insureds, Blanket Waivers, Boiler & Machinery, Business Income, Business Interruption, CGL, Commercial Excess, Crime, D&O, E&O, EPLI, Excess Liab, Fire, Foreclosed Properties, GL, Historic Bldgs/Unique Property, Inland Marine, Installation Floaters, Liability, OCP, Pollution Liab, Property, Real & Business Personal Prop, Rented Property, Tenant Discrimination, Theft, Vacant Building Carrier Status Non-admitted States IA, IL, IN, OH, WI

Southwest Risk

Coverages Builders Risk, CGL, Property, Umbrella Carrier Status Admitted, Non-admitted States All States

Sun Coast General Insurance Agency

Coverages BOP, Legal Liab, Lessors Contingent Liability, Lessors Contingent Phys Dmg, Liability, Property Carrier Status Admitted, Non-admitted States CA

Victor Insurance Managers LLC

Coverages Builders Risk, Cyber Liability 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

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 BOP, Business Income, Crime, Cyber Liab, D&O, Event Cancellation, Excess Liab, GL, Workers’ Comp Carrier Status Admitted States All States

INSURANCEJOURNAL.COM

Amwins - 150+ Locations Worldwide

Care Providers Insurance Services

CID Insurance Programs Inc.

Charity First Insurance Services Inc.

Coverages Auto Comm-Standard, Crime, Earthquake, Equipment Breakdown, Flood, GL, Inland Marine, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States Coverages Cyber Liab, D&O, EPLI, Excess Liab, Fidelity, GL, Property, Workers’ Comp Carrier Status Admitted, Non-admitted 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 Liability, 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, D&O, Workers’ Comp Carrier Status Admitted States All States except ID, MA, ND, OH, WA, WY

Distinguished Programs

Coverages CGL, Crime, D&O, GL, Property, Umbrella Carrier Status Admitted, Non-admitted States All States

Ian H. Graham Insurance

Coverages Crime, D&O, Fidelity Carrier Status Admitted States All States

Indemnity Excess & Surplus Agency Inc.

Coverages D&O, EPLI, GL, Hired & Non-owned Auto, Property, Umbrella Carrier Status Admitted States All States except DC, LA, VT

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 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 Svcs

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 - Standard, Boiler & Machinery, Business Income, CGL, Community/Social Svcs, Crime, Cyber Liab, D&O, Developmental Disabilities, Excess Liability, GL, Inland Marine, Mental Health Care, Nonprofit D&O, Professional Liability, Property, Umbrella Carrier Status Admitted, Non-admitted States All States

Negley Associates

Coverages CGL, Professional Liability Carrier Status Non-admitted States All States

Kevin Davis Insurance Services

Coverages Crime, Cyber Liability, D&O, E&O Carrier Status Admitted States All States except MT, VT

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 Liability, Fidelity, Fidelity Bonds, Fiduciary Liab, Umbrella Carrier Status Admitted States All States

Community Banks/Credit Unions

Proctor Loan Protector

Coverages Blanket Forced Placed, E&O, Excess Flood, Force Place Fire Cvrg, Foreclosed Properties, High Valued Homes, Mobile Home Ins, Mortgage Impairment, Mortgage REO Cvrg, Rented Property, Residential Property Carrier Status Non-admitted States All States

Ryan Specialty National Programs

Coverages Collateral Protection, Force Place Fire Cvrg, GL, Mortgage Impairment, Mortgage REO Cvrg, Property, Vacant Building Carrier Status Non-admitted States All States

Unitas Financial Services

Coverages Blanket Forced Placed, Collateral Protection, Flood, Force Place Fire Cvrg, Mortgage Impairment, Mortgage REO Cvrg Carrier Status Admitted, Non-admitted States All States except AK, HI

Community Health Centers Philadelphia Insurance Companies

Coverages Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fire, Fire Legal Liab, GL, Identity Theft, Inland Marine, Participant Accident, Professional Liab, Property, Real & Business Personal Prop, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA

Pro-Praxis Insurance

Coverages E&O, Professional Liab Carrier Status Admitted States All States

Community/Social Services

Affinity Nonprofits

Coverages Abuse & Molestation, Accident & Health, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Crime, Cyber Liab, D&O, E&O, EPLI, Excess Auto, Excess Liab, Fiduciary Liab, GL, Nonprofit D&O, Professional Liab, Property, Umbrella Carrier Status Admitted States All States

Builders & Tradesmen’s Insurance Services Inc. (BTIS)

Coverages BOP, D&O Carrier Status Admitted, Non-admitted States All States except AK, NY

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 Carrier Status Non-admitted States Most States

Philadelphia Insurance Companies

Coverages Abuse & Molestation, Commercial Auto Standard, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, Food Spoilage, GL, Hired & Non-owned Auto, Identity Theft, Participant Accident, Professional Liab, Property, Real & Business Personal Prop, Sexual Misconduct, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA

RPS Signature Programs

Coverages Abuse & Molestation, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Blanket Addt’l Insureds, Crime, Cyber Liab, D&O, EPLI, Excess Liab, Fiduciary Liab, GL, Hired & Non-owned Auto, Inland Marine, Nonprofit D&O, Professional Liab, Property, Workers’ Comp States All States

Venture Insurance Programs

Computer Consultants/Programmers/ Designers Indemnity Excess & Surplus Agency Inc.

Coverages Cyber Liab, GL, Property, Technology E&O Carrier Status Admitted, Non-admitted States Most States

Philadelphia Insurance Companies

Coverages BOP, E&O Carrier Status Admitted States All States except LA

Professional Insurance Concepts

Coverages E&O, EPLI, Professional Liability 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

DECEMBER 4, 2023 INSURANCE JOURNAL | NATIONAL | 39

2023 Annual Program Directory, Volume II Concessionaires and Vendors K&K Insurance Group Inc.

Coverages CGL, Inland Marine Carrier Status Admitted States All States

Roush Insurance Services Inc.

Coverages Bailee/Customer Goods, Care/Custody/Control, CGL, Commercial Marine, Equip Breakdown, Excess Liability, Fire, Food Spoilage, Inland Marine, Liability, Liquor Liability, Portable Equip, Property, Real & Business Personal Prop, Spoilage, Tools & Equip, Trade Shows & Festivals Carrier Status Non-admitted States IA, IL, IN, OH, WI

www.insurancehelper.com

Philadelphia Insurance Companies

Specialty Wholesale Ins. Solution (SWIS), a Div of SPG

Preferred Concepts LLC

Coverages Commercial Auto - Standard, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, Employee Benefits, Equipment Breakdown, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Inland Marine, Participant Accident, Professional Liab, Property, Real & Business Personal Prop, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA Coverages Crime, D&O, Liability, Pollution Liability, Property, Umbrella Carrier Status Admitted States CT, DC, MA, MD, NJ, NY, PA

Coverages Commercial Auto - Standard, 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 Coverages CGL, Umbrella Carrier Status Admitted States All States

Quirk & Company

Condo/Homeowner Associations

Coverages CGL, D&O, Excess Flood, Flood, Property Carrier Status Admitted, Non-admitted States LA, OK, OR, TX, WA

Amalgamated Insurance Underwriters

TAPCO Underwriters Inc.

Concrete Pumper Firms

Anderson & Murison Inc.

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 Liability, Property, Umbrella, Wind, Workers’ Compensation Carrier Status Non-admitted States AL, CA, FL, GA, KY, TN, TX

Commercial Sector Insurance Brokers LLC

Coverages Catastrophe, CGL, Commercial Excess, Contingent Coverages, Equipment Breakdown, Excess Flood, Hurricane, Property, Umbrella, Wind Carrier Status Non-admitted States Most States

Community Association Insurance Solutions LLC

Coverages Boiler & Machinery, Earthquake, Flood, Property Carrier Status Non-admitted States All States except CO, FL, HI, LA, NY, TX

Coverages CGL, Cyber Liability, D&O, EPLI, Equipment Breakdown, Fire Legal Liability, Hired & Non-owned Auto, Medical Payments, Property, Umbrella Carrier Status Admitted States AZ, CA, ID, NV, OR, UT, WA

Bass Underwriters

US Assure

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 Liability, GL, Homeowners Pkg, Liability, Nonprofit D&O, Pool & Spa Liability, Property, Umbrella, Wind, Workers’ Comp Carrier Status Non-admitted States AL, CA, FL, GA, KY, TN, TX

Commercial Sector Insurance Brokers LLC

Coverages Catastrophe, CGL, Commercial Excess, Contingent Coverages, Earthquake, Equipment Breakdown, Excess Flood, Hurricane, Property, Umbrella, Wind Carrier Status Non-admitted States Most States

Community Association Insurance Solutions LLC Coverages Workers’ Comp Carrier Status Admitted States All States except ID, MA, ND, OH, WA, WY

DeCotis Specialty Insurance

Coverages Business Income, CGL, Medical Payments, Property, Wind States CT, DE, MA, MD, ME, NH, NJ, RI, VA, VT

Distinguished Programs

Coverages CGL, Crime, D&O, GL, Property, Umbrella Carrier Status Admitted, Non-admitted States All States

HabPro Insurance

Coverages Business Income, Equipment Breakdown, Hired & Non-owned Auto, Property Carrier Status Non-admitted States All States except AK, FL, HI, LA

Distinguished Programs

Hull & Company

Element22 Insurance Services

Coverages Catastrophe, Hail, Hurricane, Property, Weather, Wind Carrier Status Non-admitted States AL, FL, GA, LA, NC, SC, TX, VA

UCA General Insurance Services Inc.

Coverages Crime, GL, Hired & Non-owned Auto, Medical Payments, Property, Theft Carrier Status Admitted, Non-admitted States All States

Coverages Workers’ Comp Carrier Status Admitted States All States except ID, MA, ND, OH, WA, WY

Coverages CGL, Crime, D&O, GL, Property, Umbrella Carrier Status Admitted, Non-admitted States All States

Coverages D&O, GL, Property Carrier Status Non-admitted States Most States

Coverages Assault & Battery, CGL, D&O, Difference in Conditions, Equipment Breakdown, Excess Flood, GKLL, Property, Umbrella Carrier Status Non-admitted States All States

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 Insurance Brokers LLC

Coverages Catastrophe, Contingent Coverages, Earthquake, Hurricane, Property, Wind Carrier Status Non-admitted States Most States

Indemnity Excess & Surplus Agency Inc.

Coverages CGL, Hired & Non-owned Auto, Loss of Use, Rented Property, Residential Property, Umbrella Carrier Status Nonadmitted 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

Construction Managers PartnerOne Environmental

Coverages E&O, Environmental Liab, Pollution, Pollution Liab, Transportation Pollution Liab States All States

Ian H. Graham Insurance

Professional Underwriters Agency (PUA)

Coverages Business Income, Equipment Breakdown, Hired & Non-owned Auto, Property Carrier Status Non-admitted States All States except AK, FL, HI, LA

J.E. Brown & Associates

Quaker Special Risk, a Jencap Company (New Jersey)

Ian H. Graham Insurance

Kevin Davis Insurance Services

HabPro Insurance

Coverages Crime, D&O, Fidelity Carrier Status Admitted States All States

Coverages Crime, D&O, Fidelity Carrier Status Admitted States All States Coverages BOP, Earthquake, GL, Inland Marine, Workers’ Comp States AZ, CA, CO, NV, OR, TX, UT, WA Coverages Crime, Cyber Liab, D&O, E&O Carrier Status Admitted States All States except MT, VT

Kevin Davis Insurance Services

MexiPass International Insurance Services LLC

MG Skinner & Associates

NSM Insurance Group

NeitClem Wholesale Insurance Brokerage Inc.

Coverages Crime, Cyber Liability, D&O, E&O Carrier Status Admitted States All States except MT, VT Coverages Boiler & Machinery, Crime, D&O, Earthquake, Excess Liability, Flood, GL, Property, Umbrella, Wind Carrier Status Admitted, Non-admitted States All States Coverages Boiler & Machinery, Business Income, Catastrophe, Commercial Excess, Crime, D&O, Earthquake, Equipment Breakdown, Fidelity, Fire, Fire Legal Liab, GL, Hired & Non-owned Auto, Hurricane, Liability, Nonprofit D&O, Piers & Docks, Property, Real & Business Personal Prop, Theft, Umbrella, Wind Carrier Status Non-admitted States CT, DE, FL, GA, MA, MD, NC, NJ, NY, RI, SC, VA

Coverages Int’l Coverage - Commercial, Int’l Coverage Personal Carrier Status Admitted States All States Coverages Boiler & Machinery, Crime, D&O, Earthquake, Excess Liab, Flood, GL, Property, Umbrella, Wind Carrier Status Admitted, Non-admitted States All States Coverages GL, Property Carrier Status Admitted, Non-admitted States AZ, CA, NV, TX

40 | INSURANCE JOURNAL | NATIONAL DECEMBER 4, 2023

Coverages Pollution Liab, Professional Liab Carrier Status Admitted, Non-admitted States All States Coverages Blanket Addt’l Insureds, Blanket Waivers, Builders Risk, CGL, Contractors Equip, GL, Liability, Professional Liab, Umbrella Carrier Status Non-admitted States Most States

Target Professional Programs

Coverages E&O, Professional Liab Carrier Status Non-admitted States All States

US Assure

Coverages Builders Risk, Business Income, COC, Contractors Equip, Earthquake, Fire, Flood, High Valued Homes, Hurricane, Installation Floaters, Residential Property, Theft, Tools & Equip, Weather, Wind Carrier Status Admitted States All States

Construction Wrap-Up MAXIMUM

Coverages Excess Liab, GL, Umbrella Carrier Status Admitted, Non-admitted States All States

Wrap Up Insurance Solutions

Coverages Excess Liab, Liability, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

INSURANCEJOURNAL.COM

2023 Annual Program Directory, Volume II 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

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

Coverages Auto Comm-Standard Liability, Auto CommStandard Phys Dmg, BOP, Liability, Professional Liab, Property, Workers’ Comp Carrier Status Admitted States All States

Cowbell Cyber

Anderson & Murison Inc.

CRC Insurance Services

Coverages Commercial Excess, D&O, EPLI, Professional Liab Carrier Status Admitted, Non-admitted States All States

Norman-Spencer International Inc.

Coverages E&O, Professional Liab Carrier Status Admitted States All States except AK, HI

Coverages Breach of Security, Business Income, Business Interruption, Cyber Liab Carrier Status Admitted States All States except HI Coverages Excess Liab, GL Carrier Status Non-admitted States All States except NY

DeCotis Specialty Insurance

Professional Insurance Concepts

Coverages Blanket Addt’l Insureds, Blanket Waivers, Breach of Security, CGL, Commercial Excess, Contractors Equip, Crime, E&O, Environmental Liab, EPLI, Inland Marine, Tools & Equip Carrier Status Admitted, Non-admitted States CO, CT, FL, MA, ME, NH, NJ, NY, PA, RI, VA, VT

Professional Underwriters Agency (PUA)

Frank Winston Crum Insurance

Western Surplus Lines Agency Inc.

FTP of California

Coverages E&O, EPLI, Professional Liability Carrier Status Admitted States All States Coverages E&O, Professional Liab Carrier Status Admitted, Non-admitted States All States Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Contractors Equip, Control of Well, Excess Liab, Inland Marine, Medical Payments, Misc Professional Liab, Pollution 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 Liability, Professional Liability Carrier Status Non-admitted States TX

Beacon Hill Associates

Coverages CGL, Inland Marine Carrier Status Non-admitted States CA

GMI Insurance Services

Coverages Commercial Auto - Standard, Cargo, GL, Hired & Non-owned Auto, Liability, Medical Payments, Motor Truck Cargo, Physical Damage, Theft, Truck Auto Liab, Uninsured Motorists, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except DC, MA, NY

Greenwood General Insurance Agency

Coverages Excess Liab, GL Carrier Status Non-admitted States NJ, NY

JC Wilson Consulting Inc.

Coverages CGL, Commercial Excess, Contractors Equip, Environmental Liab, Misc Professional Liab, Professional Liab, Umbrella Carrier Status Non-admitted States Most States

Freberg Environmental Inc.

Coverages CGL, E&O, Environmental Liab, EPLI, GL, Hired & Non-owned Auto, Pollution, Pollution Liab, Professional Liab, Transportation Pollution Liab, Umbrella Carrier Status Non-admitted States All States

PartnerOne Environmental

Coverages CGL, E&O, Pollution Carrier Status Non-admitted States All States

Quaker Special Risk, a Jencap Company (New Jersey)

Coverages GL, Liability, Pollution, Pollution Liab, Professional Liab, Umbrella Carrier Status Non-admitted States Most States

Quirk & Company

Coverages CGL, D&O, E&O, Environmental Liab, Equipment, Excess Flood, Excess Liab, Flood, Kidnap/Ransom, Pollution Liability, Professional Liability, Property Carrier Status Non-admitted States LA, OK, OR, TX, WA

Victor Insurance Managers LLC

Coverages Business Interruption, Cyber Liab, E&O, Liability, Pollution, Pollution Liability, Professional Liability Carrier Status Admitted, Non-admitted States All States

Contractors Amwins - 150+ Locations Worldwide

Coverages Equipment, Excess Liab, GL, Umbrella Carrier Status Admitted, Non-admitted States All States

Anderson & Murison Inc.

Coverages Business Income, Contractors Equip, Equipment Breakdown, GL, Inland Marine, Professional Liab, Property, Real & Business Personal Prop Carrier Status Admitted, Non-admitted States All States

Applied Underwriters Inc.

Coverages Builders Risk, Commercial Excess, Workers’ Comp Carrier Status Admitted States All States

Builders & Tradesmen’s Insurance Services Inc. (BTIS)

Coverages Auto Comm-Nonstandard, Auto Comm-Standard, Builders Risk, CGL, COC, Contractors Equip, Excess Liability, GL, Inland Marine, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except AK, FL, HI, MD, NY, VT

INSURANCEJOURNAL.COM

Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Completed Operations Liab, Contractors Equip, Contractors License Bonds, Excess Liab, Inland Marine, Pollution Liab, Products Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except NJ, NY

Roush Insurance Services Inc.

Coverages Auto Comm-Standard, Blanket Addt’l Insureds, Blanket Waivers, Boiler & Machinery, Builders Risk, Business Income, Business Interruption, CGL, Commercial Excess, Completed Operations Liab, Contractors Equip, Contractors License Bonds, Crime, D&O, E&O, Environmental Liab, EPLI, Equipment, Excess Liab, Fire, GL, Herbicide & Pesticide, Hired & Non-owned Auto, Inland Marine, Installation Floaters, Liability, Mechanical Breakdown, Medical Payments, OCP, Pollution, Pool & Spa Liab, Portable Equip, Property, Real & Business Personal Prop, Theft, Tools & Equip, Vacant Building Carrier Status Non-admitted States IA, IL, IN, OH, WI Coverages GL, Excess Liability, Inland Marine, Pollution, Professional Liability, Workers’ Compensation Carrier Status Non-admitted States Most States

Skyward Specialty Insurance

Coverages Care/Custody/Control, CGL, Commercial Excess, Completed Operations Liab, Contractors Equip, Equipment, Equipment Breakdown, Excess Liab, GL, Inland Marine, Installation Floaters, Liability, Pollution, Property, Railroad Protective Liab, Tools & Equip, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except CA, NY

StateFund First, a Div of Arthur J Gallagher Ins Brokers of CA TAPCO Underwriters Inc.

Gridiron Insurance Underwriters Inc.

Commercial Sector Insurance Brokers LLC

REInsurePro

Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States CA

Coverages GL, Insurance Broker Bonds States AZ, CA, OR, TX, WA

J.E. Brown & Associates

Coverages Blanket Addt’l Insureds, CGL, Excess Auto, Excess Liab Carrier Status Admitted, Non-admitted States All States

Shield Commercial Insurance Services

Coverages Excess Liability, GL, Workers’ Comp Carrier Status Admitted States Most States

Coverages CGL, E&O, Environmental Liab, Pollution, Pollution Liab, Transportation Pollution Liab, Workers’ Comp States All States

Quantum Specialty Group

Coverages Blanket Addt’l Insureds, GL, Products Liab, Property Carrier Status Non-admitted States Most States

The McGowan Companies

Coverages Commercial Excess, Excess Liability, Umbrella States All States

Coverages Cyber Liab, D&O, E&O, EPLI States AZ, CA, CO, NV, OR, TX, UT, WA Coverages Boiler & Machinery, Equipment Breakdown, Product Extended Warranty, Service Contracts, Warranties, Extended Carrier Status Admitted States All States

National Elevator Ins. Solutions / HUB International

Coverages Auto Comm-Standard, GL, Installation Floaters, OCP, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States except HI

WORKERS COMPENSATION INSURANCE

National Indemnity Company

Coverages Auto Comm-Nonstandard, Auto CommNonstandard Phys Dmg, Liability, Medical Payments, Products Liability, 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

PMC Insurance Group

Coverages Workers’ Comp Carrier Status Admitted States All States

Professional Underwriters Agency (PUA)

Coverages Pollution Liab, Professional Liab States All States

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) • Multiple options for premium payments • Pay-as-you-go payroll-plus-comp program available • Superior claims and medical management • No volume requirements 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: • Experience-rated business • Premium up to $2,000,000 • High mods accepted AZ • CA • CT • GA • IL • NC • NE • NJ • NY • PA • SC

CONTACT: 844-761-8400 sales@omahanational.com

DECEMBER 4, 2023 INSURANCE JOURNAL | NATIONAL | 41

2023 Annual Program Directory, Volume II Union General Insurance Services Inc.

Coverages Equipment, GL, Inland Marine Carrier Status Admitted, Non-admitted States AZ, CA, ID, MT, NM, NV, OR, TX, UT, WA

US Assure

Coverages Builders Risk, Business Income, COC, Contractors Equip, Earthquake, Fire, Flood, Hail, High Valued Homes, Hurricane, Installation Floaters, Residential Property, Theft, Tools & Equip, Weather, Wind Carrier Status Admitted States All States

Virtue Risk Partners LLC

Omaha National

Monarch E&S Insurance Services

REInsurePro

Norman-Spencer Agency LLC

Coverages Workers’ Comp Carrier Status Admitted States AZ, CA, CT, GA, IA, IL, NC, NE, NJ, NY, PA, SC Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Completed Operations Liab, Contractors Equip, Contractors License Bonds, Excess Liab, Inland Marine, Pollution Liab, Products Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except NJ, NY

Ryan Specialty National Programs

Coverages Auto Comm-Standard, CGL, Commercial Excess, E&O, Environmental Liab, Workers’ Comp Carrier Status Non-admitted States All States

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

Walter General Agency (WGA)

The Mechanic Group, a Div of Specialty Programs Group

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

Westcap Insurance Services LLC

Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL Carrier Status Admitted, Non-admitted States AK, AZ, CA, ID, NV, OR, TX, UT

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)

Frank Winston Crum Insurance

Coverages Excess Liab, GL, Workers’ Comp Carrier Status Admitted States Most States

Legacy Employer Concepts LLC

Coverages EPLI, Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted, Non-admitted States All States

Norman-Spencer Agency LLC

Coverages GL, Inland Marine, Property, Umbrella, Workers’ Comp Carrier Status Non-admitted States All States

Omaha National

Coverages Workers’ Comp Carrier Status Admitted States AZ, CA, CT, GA, IA, IL, NC, NE, NJ, NY, PA, SC

Oryx Insurance Brokerage Inc.

Coverages Auto Comm-Standard, GL, Umbrella, Workers’ Compensation Carrier Status Admitted States CT, DE, MD, NJ, NY, PA, VT

REInsurePro

Shield Commercial Insurance Services

Coverages GL, Excess Liability, Inland Marine, Pollution, Professional Liability, Workers’ Compensation Carrier Status Non-admitted States Most States

Contractors-Alarm Arrowhead General Insurance Agency Inc.

Coverages E&O, GL Carrier Status Admitted States All States

Brownyard Group

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

Coverages GL, Inland Marine Carrier Status Non-admitted States All States Coverages Auto Comm-Standard Phys Dmg, GL, Property, Tools & Equip, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Omaha National

Coverages Workers’ Comp Carrier Status Admitted States AZ, CA, CT, GA, IA, IL, NC, NE, NJ, NY, PA, SC

Oryx Insurance Brokerage Inc.

Coverages Auto Comm-Standard, GL, Umbrella, Workers’ Comp Carrier Status Admitted States CT, DE, MD, NJ, NY, PA, VT

Coverages CGL, Commercial Excess, Contractors License Bonds, D&O, E&O, EPLI, Liability, Umbrella, Workers’ Comp Carrier Status Non-admitted States All States

PMC Insurance Group

Contractors-Artisan

Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, EPLI Carrier Status Non-admitted States CT, DE, MA, MD, ME, NJ, NY, PA, RI, VT

AllComp Solutions

Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States

Apollo General Ins. Agency Inc.

Coverages Auto Comm-Standard Liability, Auto CommStandard Phys Dmg, Blanket Waivers, CGL, Commercial Excess, Contractors Equip, Contractors License Bonds, EPLI, Equipment, Excess Liability, Fire, Pollution Carrier Status Non-admitted States All States except AK, HI

Atlas General Insurance Services, An RPS Company

Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) 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 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

FTP of California

Coverages CGL, Inland Marine Carrier Status Non-admitted States CA

GMI Insurance Services

Coverages Commercial Auto - Standard, Cargo, GL, Hired & Non-owned Auto, Liability, Medical Payments, Theft, Truck Auto Liab, Uninsured Motorists, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except DC, MA, NY

Greenwood General Insurance Agency

Coverages Blanket Addt’l Insureds, CGL, Commercial Excess, Contractors License Bonds, E&O, GL Carrier Status Non-admitted States AZ, CA, OR, TX, WA

Integrated Underwriters ®

Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted, Non-admitted States Most States

Ironwood Brokers & Insurance Marketing

Coverages GL, Liability Carrier Status Admitted States Most States

JM Wilson

Coverages Workers’ Comp Carrier Status Admitted States All States

Quaker Special Risk, a Jencap Company (New Jersey)

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

Shield Commercial Insurance Services

Coverages GL, Excess Liability, Inland Marine, Pollution, Professional Liability, Workers’ Compensation Carrier Status Non-admitted States Most States

Southwest Risk

Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Umbrella Carrier Status Non-admitted States All States

The McGowan Companies

Coverages Commercial Excess, Excess Liab, Umbrella States All States

Westcap Insurance Services LLC

Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL Carrier Status Admitted, Non-admitted States AK, AZ, CA, ID, NV, OR, TX, UT

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

Legacy Employer Concepts LLC

Logic Underwriters Inc.

Apollo General Ins. Agency Inc.

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 Coverages EPLI, Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted, Non-admitted States All States

Contractors-Demolition

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

Coverages Auto Comm-Standard, Blanket Addt’l Insureds, Blanket Waivers, CGL, Contractors Equip, Contractors License Bonds, Employee Benefits, Environmental Liab, EPLI, Equipment, Excess Liab, Fidelity, Fidelity Bonds, Inland Marine, Performance & Payment Bonds, Pollution, Property, Railroad Protective Liab, Real & Business Personal Prop, StopGap, Tools & Equip, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

MiniCo Insurance Agency, a Jencap Company

Beacon Hill Associates

Coverages GL, Umbrella, Workers’ Comp Carrier Status Non-admitted States TX

Coverages Commercial Auto - Standard, Blanket Addt’l Insureds, Builders Risk, CGL, Contractors Equip, Crime, Property, Tools & Equip Carrier Status Admitted, Non-admitted States AZ, CA, NV

42 | INSURANCE JOURNAL | NATIONAL DECEMBER 4, 2023

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 Liability Carrier Status Non-admitted States All States

INSURANCEJOURNAL.COM

2023 Annual Program Directory, Volume II Norman-Spencer Agency LLC

Coverages Auto Comm-Standard Liability, Auto CommStandard Phys Dmg, Excess Liab, GL, Property, Tools & Equip Carrier Status Admitted, Non-admitted States All States except NY

PartnerOne Environmental

Coverages CGL, E&O, Environmental Liab, Pollution, Pollution Liab, Transportation Pollution Liab, Workers’ Comp States All States

Contractors-Electrical Builders & Tradesmen’s Insurance Services Inc. (BTIS)

Contractors-Excavating/Grading

Hull & Company

Builders & Tradesmen’s Insurance Services Inc. (BTIS)

Coverages Auto Comm-Nonstandard, Auto Comm-Standard, CGL, COC, Contractors Equip, Excess Liab, GL, Inland Marine, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except AK, FL, HI, MD, NY, VT

Integrated Underwriters ®

Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted, Non-admitted States Most States

Legacy Employer Concepts LLC

Oryx Insurance Brokerage Inc.

Coverages Auto Comm-Standard, GL, Umbrella, Workers’ Comp Carrier Status Admitted States CT, DE, MD, NJ, NY, PA, VT

REInsurePro

Shield Commercial Insurance Services

Omaha National

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

Coverages GL, Excess Liability, Inland Marine, Pollution, Professional Liability, Workers’ Compensation Carrier Status Non-admitted States Most States

Contractors-Elevators

PartnerOne Environmental

Coverages Auto Comm-Standard, GL, Installation Floaters, OCP, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States except HI

Contractors-Environmental Amwins - 150+ Locations Worldwide

Coverages GL, Pollution Liability, Professional Liability Carrier Status Admitted, Non-admitted States All States

Beacon Hill Associates

Coverages EPLI, Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted, Non-admitted States All States 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 CGL, E&O, Environmental Liab, Pollution, Pollution Liab, Transportation Pollution Liab, Workers’ Comp States All States

Jencap Specialty Insurance Services (Environmental)

Ryan Specialty National Programs

PartnerOne Environmental

Coverages Auto Comm-Nonstandard, Care/Custody/Control, Crime, E&O, Excess Liability, GL, Inland Marine, Professional Liability, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Coverages CGL, E&O, Pollution Carrier Status Non-admitted States All States

Contractors-General

Philadelphia Insurance Companies

Ashley General Agency

Quaker Special Risk, a Jencap Company (New Jersey)

Coverages CGL, GL, Liability, Pollution, Pollution Liab, Professional Liab, Umbrella Carrier Status Non-admitted States Most States

Quirk & Company

Coverages CGL, Contractors Equip, D&O, E&O, Environmental Liab, Equipment, Excess Flood, Excess Liab, Flood, Kidnap/Ransom, Pollution Liab, Professional Liab, Property Carrier Status Non-admitted States LA, OK, OR, TX, WA

Virtue Risk Partners LLC

Coverages Auto Comm-Standard, CGL, Commercial Excess, E&O, Environmental Liab, Workers’ Comp Carrier Status Non-admitted States All States

INSURANCEJOURNAL.COM

Coverages CGL, Commercial Excess, Inland Marine Carrier Status Non-admitted States TX

MexiPass International Insurance Services LLC

Coverages Int’l Coverage - Commercial, Int’l Coverage Personal Carrier Status Admitted States All States Coverages Auto Comm-Standard, CGL, Equipment Breakdown, Excess Liab, GL, Tools & Equip Carrier Status Admitted, Non-admitted States NY

Mission Underwriting Managers LLC

Coverages GL, Property Carrier Status Admitted, Non-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 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

Quaker Special Risk, a Jencap Company (Florida)

Coverages Blanket Addt’l Insureds, Blanket Waivers, Builders Risk, CGL, Contractors Equip, GL, Liability, Pollution Liab, Umbrella Carrier Status Non-admitted States Most States

Quaker Special Risk, a Jencap Company (Mass.)

Coverages Blanket Addt’l Insureds, Blanket Waivers, Builders Risk, CGL, Contractors Equip, GL, Liability, Pollution Liab, Umbrella Carrier Status Non-admitted States Most States

Quaker Special Risk, a Jencap Company (New Jersey) Coverages Blanket Addt’l Insureds, Blanket Waivers, Builders Risk, CGL, Contractors Equip, GL, Liability, Pollution Liab, Umbrella Carrier Status Non-admitted States Most States

Quirk & Company

Bass Underwriters

Coverages Blanket Addt’l Insureds, GL States Most States

Builders & Tradesmen’s Insurance Services Inc. (BTIS)

DeCotis Specialty Insurance

Coverages Blanket Addt’l Insureds, Blanket Waivers, Equipment, Excess Liab, Fire Legal Liab, GL, Inland Marine, Medical Payments, Pollution Liab, Professional Liab Carrier Status Non-admitted States CT, DC, DE, MA, MD, ME, NH, NJ, NY, VA, VT

FTP of California

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

Oryx Insurance Brokerage Inc.

Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, E&O, Environmental Liability, Excess Liability, OCP, Professional Liability Carrier Status Non-admitted States All States except AK, CO, HI

Coverages Auto Comm-Standard, GL, Pollution, Pollution Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Coverages Builders Risk, Equipment, GL, Property Carrier Status Admitted, Non-admitted States TX

MiniCo Insurance Agency, a Jencap Company

Oryx Insurance Brokerage Inc.

Legacy Employer Concepts LLC

National Elevator Insurance Solutions / HUB International

Coverages EPLI, Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted, Non-admitted States All States

M.J. Hall & Company Insurance Brokers

Coverages Workers’ Comp Carrier Status Admitted States AZ, CA, CT, GA, IA, IL, NC, NE, NJ, NY, PA, SC

Coverages EPLI, Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted, Non-admitted States All States

Legacy Employer Concepts LLC

NeitClem Wholesale Insurance Brokerage Inc.

Legacy Employer Concepts LLC

Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted, Non-admitted States Most States

Logic Underwriters Inc.

Integrated Underwriters ®

Coverages Excess Liab, GL, Workers’ Comp Carrier Status Admitted States Most States

Integrated Underwriters ®

Coverages EPLI, Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted, Non-admitted States All States 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

Frank Winston Crum Insurance

Coverages Auto Comm-Nonstandard, Auto CommNonstandard Phys Dmg, CGL Carrier Status Non-admitted States All States except DC

Coverages Builders Risk, CGL, Inland Marine, Property Carrier Status Non-admitted States All States

Coverages CGL, Contractors Equip, D&O, E&O, Environmental Liab, Equipment, Excess Flood, Excess Liability, Flood, Kidnap/Ransom, Pollution Liability, Professional Liability, Property Carrier Status Non-admitted States LA, OK, OR, TN, TX, WA

REInsurePro

Shield Commercial Insurance Services

Coverages GL, Excess Liability, Inland Marine, Pollution, Professional Liability, Workers’ Compensation 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

Greenwood General Insurance Agency

Coverages CGL, GL States AZ, CA, OR, TX, WA

DECEMBER 4, 2023 INSURANCE JOURNAL | NATIONAL | 43

2023 Annual Program Directory, Volume II 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, ID, MT, NM, NV, OR, TX, UT, WA

US Assure

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

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

Southwest Risk

Westcap Insurance Services LLC

Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL Carrier Status Admitted, Non-admitted States AK, AR, AZ, ID, NV, OR, TX, UT

Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Commercial Excess, Pollution Carrier Status Non-admitted States AL, AR, CO, ID, IL, KS, KY, LA, MI, MO, MS, ND, OH, OK, TX, UT, WV, WY

Wrap Up Insurance Solutions

Western Surplus Lines Agency Inc.

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)

Frank Winston Crum Insurance

Coverages Excess Liability, GL, Workers’ Comp Carrier Status Admitted States Most States

Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Umbrella Carrier Status Non-admitted States All States

Towerstone 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

Integrated Underwriters ®

Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted, Non-admitted States Most States

Norman-Spencer Agency LLC

Coverages GL, Inland Marine, Property, Umbrella Carrier Status Admitted, Non-admitted States All States

Norman-Spencer International Inc.

Coverages E&O, Professional Liab Carrier Status Admitted, Non-admitted States All States

Quaker Special Risk, a Jencap Company (Florida) Coverages CGL, GL, Liability, Umbrella Carrier Status Non-admitted States Most States

Quaker Special Risk, a Jencap Company (Mass.) Coverages CGL, GL, Liability, Umbrella Carrier Status Non-admitted States Most States

Quaker Special Risk, a Jencap Company (New Jersey) Coverages CGL, GL, Liability, Umbrella Carrier Status Non-admitted States Most States

REInsurePro

Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Completed Operations Liab, Contractors Equip, Products Liab Carrier Status Non-admitted States IN, MO, OH, PA, TX

Shield Commercial Insurance Services

Coverages GL, Excess Liability, Inland Marine, Pollution, Professional Liability, Workers’ Compensation Carrier Status Non-admitted States Most States

Southwest Risk

Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Umbrella Carrier Status Non-admitted States All States

StateFund First, a Div of Arthur J Gallagher Ins Brokers of CA Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) States CA

Westcap Insurance Services LLC

Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL Carrier Status Admitted, Non-admitted States AK, AR, AZ, ID, NV, OR, TX, UT

Contractors-Service Builders & Tradesmen’s Insurance Services Inc. (BTIS)

Coverages Commercial Auto - Standard, CGL, GL, Herbicide & Pesticide, Inland Marine, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Omaha National

Coverages Workers’ Comp Carrier Status Admitted States AZ, CA, CT, GA, IA, IL, NC, NE, NJ, NY, PA, SC

Omaha National

Oryx Insurance Brokerage Inc.

Frank Winston Crum Insurance

MiniCo Insurance Agency, a Jencap Company

Coverages Workers’ Comp Carrier Status Admitted States AZ, CA, CT, GA, IA, IL, NC, NE, NJ, NY, PA, SC

Oryx Insurance Brokerage Inc.

Coverages Auto Comm-Standard, GL, Umbrella, Workers’ Comp Carrier Status Admitted States CT, DE, MD, NJ, NY, PA, VT

REInsurePro

Shield Commercial Insurance Services

Coverages GL, Excess Liability, Inland Marine, Pollution, Professional Liability, Workers’ Compensation Carrier Status Non-admitted States Most States

Coverages Auto Comm-Standard, GL, Umbrella, Workers’ Comp Carrier Status Admitted States CT, DE, MD, NJ, NY, PA, VT

REInsurePro

Shield Commercial Insurance Services

Coverages GL, Excess Liability, Inland Marine, Pollution, Professional Liability, Workers’ Compensation Carrier Status Non-admitted States Most States

Contractors-Roofing Amwins - 150+ Locations Worldwide

Contractors-Marine

Coverages GL, Medical Payments, Umbrella Carrier Status Admitted States All States except AK, HI

Builders & Tradesmen’s Insurance Services Inc. (BTIS)

Hull & Company

Coverages Auto Comm-Standard, GL Carrier Status Admitted States All States except AL, KS, LA, MS, TX, WI

JM Wilson

Coverages Auto Comm-Nonstandard, Auto CommNonstandard Phys Dmg, CGL, Contractors Equip Carrier Status Non-admitted States All States except DC

Coverages CGL, GL, Inland Marine, Marina Operators Legal, Property, Protection & Indemnity (P&I), Tools & Equip Carrier Status Admitted, Non-admitted States All States except AK, HI, NY

Integrated Underwriters ®

LIG Marine Managers

Coverages EPLI, Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted, Non-admitted States All States

Coverages CGL, Contractors Equip, Equipment, Federal LHWCA, Foreign GL, Hull, Int’l Coverage - Commercial, Pollution Liab, Products Liab, Protection & Indemnity (P&I), Ship Repairers Legal, Tools & Equip, Umbrella, USL&H, Wet Marine, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

The American Equity Underwriters Inc.

Coverages MEL, USL&H, Workers’ Comp States All States

The Hanover Insurance Group

Coverages Builders Risk, Contractors Equip, Installation Floaters, Property Carrier Status Admitted States All States

Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted, Non-admitted States Most States

Legacy Employer Concepts LLC

MexiPass International Insurance Services LLC

Coverages Int’l Coverage - Commercial, Int’l Coverage Personal Carrier Status Admitted States All States

NeitClem Wholesale Insurance Brokerage Inc.

Norman-Spencer Agency LLC

Coverages Auto Comm-Standard, Excess Liab, GL, Tools & Equip Carrier Status Admitted, Non-admitted States All States

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

REInsurePro

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 GL, Excess Liability, Inland Marine, Pollution, Professional Liability, Workers’ Compensation Carrier Status Non-admitted States Most States

Westcap Insurance Services LLC

Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL Carrier Status Admitted, Non-admitted States AK, AZ, CA, ID, NV, OR, TX, UT

Contractors-Swimming Pools Frank Winston Crum Insurance

Coverages Excess Liab, GL, Workers’ Comp Carrier Status Admitted States Most States

M.J. Hall & Company Insurance Brokers

Coverages CGL, Contractors Equip, Excess Liab, Property Carrier Status Admitted, Non-admitted States AK, AZ, CA, CO, HI, ID, KS, MT, NE, NM, NV, OK, OR, SD, TX, UT, WA, WY

Omaha National

Coverages Workers’ Comp Carrier Status Admitted States AZ, CA, CT, GA, IA, IL, NC, NE, NJ, NY, PA, SC

Shield Commercial Insurance Services

Coverages GL, Excess Liability, Inland Marine, Pollution, Professional Liability, Workers’ Compensation Carrier Status Non-admitted States Most States

44 | INSURANCE JOURNAL | NATIONAL DECEMBER 4, 2023

INSURANCEJOURNAL.COM

2023 Annual Program Directory, Volume II Contractors-Tract Home Subcontractors Westcap Insurance Services LLC

Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL Carrier Status Admitted, Non-admitted States AK, AZ, CA, ID, NV, OR, TX, UT

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.

Care Providers Insurance Services

Coverages Abuse & Molestation, Accident & Health, Auto Comm-Standard, Crime, D&O, EPLI, Excess Liab, GL, Inland Marine, Professional Liab, Property Carrier Status Admitted States All States

Charity First Insurance Services Inc.

Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, Boiler & Machinery, Business Income, CGL, Crime, Cyber Liab, EPLI, Equipment Breakdown, Inland Marine, Int’l Coverage - Commercial, Liquor Liab, Nonprofit D&O, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States

Negley Associates

Coverages CGL, Professional Liability Carrier Status Non-admitted States All States

Nonprofits Insurance Alliance

Convenience Stores

Philadelphia Insurance Companies

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

Izzo Insurance Services, A division of Hull & Company LLC Coverages Blanket Waivers, 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, EPLI, Equipment Breakdown, Fire Legal Liab, Medical Payments, Property, Umbrella Carrier Status Admitted States AZ, CA, ID, NV, OR, UT, WA

XPT Specialty

Coverages Business Interruption, CGL, Excess Liab, Fire, Fire Legal Liab, GL, Liability, Liquor Liab, Medical Payments, New Occurrence, Property Carrier Status Admitted, Non-admitted States All States

Cosmetic Manufacturers Brownyard Group

Coverages Business Income, Business Interruption, CGL, Employee Benefits, Fire, Fire Legal Liab, GL, Glass, Inland Marine, Liability, Personal Property, Products Liab, Property, Workers’ Comp Carrier Status Non-admitted States All States except KS

Cosmetic Insurance Services, a division of EPIC Brokers

Coverages Commercial Auto - Standard, Boiler & Machinery, Crime, GL, Inland Marine, Products Liab, Property, Umbrella Carrier Status Admitted States All States

Euclid Life Science Specialty LLC

Coverages Commercial Excess, Completed Operations Liab, E&O, Excess Liab, GL, Liability, Products Liab, Professional Liab Carrier Status Non-admitted States All States

Professional Program Ins. Brokerage, a Div of SPG Ins.

Coverages Abuse & Molestation, Blanket Addt’l Insureds, CGL, Commercial Excess, Cyber Liab, Misc Professional Liab, Products Liab, Property Carrier Status Non-admitted States All States

Counselors/Counseling Centers Affinity Nonprofits

Coverages Abuse & Molestation, Auto Comm-Standard, Auto Comm-Standard Liability, Crime, Cyber Liab, D&O, EPLI, Excess Liab, Fiduciary Liab, GL, Inland Marine, Nonprofit D&O, Professional Liab, Property Carrier Status Admitted States All States

INSURANCEJOURNAL.COM

Coverages Abuse & Molestation, Commercial Auto Standard, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liability, GL, Identity Theft, Inland Marine, Participant Accident, Physical Damage, Professional Liability, Property, Real & Business Personal Prop, Sexual Misconduct, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA

Venture Insurance Programs

Country Clubs Philadelphia Insurance Companies

Coverages Abuse & Molestation, Commercial Auto Standard, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, Food Spoilage, GL, Hired & Non-owned Auto, Identity Theft, Inland Marine, Liquor Liab, Participant Accident, Professional Liab, Property, Real & Business Personal Prop, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA

RPS Signature Programs

Coverages Accident & Health, Auto Comm-Standard, Crime, D&O, Earthquake, Employee Benefits, EPLI, Fiduciary Liab, Flood, Herbicide & Pesticide, Inland Marine, Liquor Liab, Pollution Liab, Property, Umbrella, Workers’ Comp States All States

Sports & Fitness Insurance Corporation (SFIC)

Coverages Accident & Health, Assault & Battery, Auto Comm-Standard, 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

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

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 K&K Insurance Group Inc.

Coverages Business Income, Crime, GL, Inland Marine, Liquor Liab, Property, Workers’ Comp Carrier Status Admitted States All States

Markel

Coverages Accident & Health, Auto Comm-Standard, Business Income, Crime, Equipment Breakdown, GL, Inland Marine, Personal Property, Property, Umbrella Carrier Status Admitted States All States except DC, HI

Sports & Fitness Insurance Corporation (SFIC) Coverages GL, Property Carrier Status Admitted States All States

Sports & Wellness Insurance

Coverages Accident & Health, Crime, Cyber Liab, D&O, GL, Hired & Non-owned Auto, Inland Marine, Property, Umbrella States All States

www.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

Day Care/Preschools Charity First Insurance Services Inc.

Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, Business Income, CGL, Crime, Cyber Liab, EPLI, Inland Marine, Liquor Liab, Nonprofit D&O, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States

Gorst & Compass Insurance

Coverages CGL, Property Carrier Status Non-admitted States CA

Markel

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

Coverages Abuse & Molestation, CGL, Crime, Cyber Liab, Inland Marine, Property, Student Accident, Umbrella, Workers’ Comp Carrier Status Admitted States All States except HI

Negley Associates

Coverages CGL, Professional Liability Carrier Status Non-admitted States All States

Nonprofits Insurance Alliance

Parcel Insurance Plan

Coverages Cargo, Inland Marine Carrier Status Admitted States All States

Risk Strategies, Transportation Group

Coverages Auto Comm-Standard, Crime, Cyber Liab, GL, Inland Marine, Liability, Property, Umbrella, Workers’ Comp Carrier Status Non-admitted States All States

Crop Dusters/Sprayers

Business Alliance Insurance Company

Coverages Pollution, Pollution Liability Carrier Status Non-admitted States All States

Ascinsure Specialty Risk

XPT Specialty

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

Jencap Specialty Insurance Services (Environmental)

Crane, Scaffolding & Equipment Rental Dealers

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

DECEMBER 4, 2023 INSURANCE JOURNAL | NATIONAL | 45

2023 Annual Program Directory, Volume II Philadelphia Insurance Companies

Coverages Abuse & Molestation, Commercial Auto - Standard, 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 States except LA

TAPCO Underwriters Inc.

Coverages Abuse & Molestation, Accessories, GL, Professional Liab, Property Carrier Status Non-admitted States Most States

Day Spas Insurtec Tanning and Spa Insurance

Coverages Addt’l Expense, BOP, Business Income, Business Interruption, CGL, Crime, EPLI, Equipment Breakdown, Fire Legal Liab, Hired & Non-owned Auto, Misc Professional Liab, Professional Liability, Property, Tanning Liability Carrier Status Non-admitted States All States except MO

Marine Agency Corporation

Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, BOP, Business Interruption, CGL, EPLI, GL, Hired & Non-owned Auto, Liability, Professional Liab, Property, Workers’ Comp Carrier Status Admitted, Nonadmitted States All States except AK, HI

Philadelphia Insurance Companies

Coverages Abuse & Molestation, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Boiler & Machinery, Business Income, CGL, Crime, Employee Benefits, Equipment Breakdown, Fire Legal Liab, GL, Hired & Nonowned 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, Commercial Excess, Cyber Liab, Equipment Breakdown, GL, Products Liab, Professional Liab, Property 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, Real & Business Personal Prop, Theft, Tools & Equip, Workers’ Comp Carrier Status Admitted States All States except AK, HI, VA, WA

Sports & Fitness Insurance Corporation (SFIC)

Coverages Accident & Health, Accidental Death, Auto CommStandard, Auto Comm-Standard Liability, BOP, EPLI, Fine Arts, Fire Legal Liability, Flood, Glass, Pool & Spa Liability, Professional Liability, Property, Umbrella Carrier Status Admitted States All States

Universal Insurance Programs

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

Dealers-Propane 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

Delivery- Wholesale/Retail

Amwins - 150+ Locations Worldwide

Coverages All Risks/Cash in Transit, Cargo, Commercial Marine, Wet Marine Carrier Status Admitted States All States

Mover’s Choice

Coverages Auto Comm-Standard Liability, Auto CommStandard Phys Dmg, Cargo, CGL, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States

Omaha National

Coverages Workers’ Comp Carrier Status Admitted States AZ, CA, CT, GA, IA, IL, NC, NE, NJ, NY, PA, SC

Parcel Insurance Plan

Coverages Cargo, Inland Marine Carrier Status Admitted States All States

Star Mutual RRG

Coverages Auto Comm-Nonstandard Liability, Truck Auto Liability Carrier Status Admitted, Non-admitted States AZ, CA, DE, IA, IL, KS, MO, NC, NJ, OH, PA, SC, TN, VA

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

TDC Specialty Underwriters

Coverages Liability, Medical Malpractice, Professional Liab Carrier Status Admitted, Non-admitted States All States except KS, NH, NY

Wedding Protector Plan

Coverages BOP, Builders Risk, Business Income, Business Interruption, Cyber Liab, EPLI, GL, Medical Malpractice, Professional Liab, Property, Workers’ Comp Carrier Status Admitted States FL, GA, NC, SC, TN

Developmental Disability Facilities

Irwin Siegel Agency

Coverages Abuse & Molestation, Commercial Auto - Standard, Boiler & Machinery, Business Income, Crime, Cyber Liab, D&O, Developmental Disabilities, Disability, Environmental Liability, EPLI, Excess Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Inland Marine, Medical & Physical Rehab, Medical Payments, Mental Health Care, Pollution Liability, Professional Liability, Property, Umbrella Carrier Status Admitted, Non-admitted States All States

Negley Associates

Coverages CGL, Professional Liability Carrier Status Non-admitted States All States

Nonprofits Insurance Alliance

Coverages Abuse & Molestation, Auto Comm-Standard, Auto Comm-Standard Phys Dmg, Blanket Addt’l Insureds, Business Income, Business Interruption, CGL, Community/Social Svcs, Crime, Developmental Disabilities, 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 - Standard, 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

Euclid Life Science Specialty LLC

Coverages Commercial Excess, Completed Operations Liab, E&O, Excess Liab, GL, Liability, Products Liab, Professional Liab Carrier Status Non-admitted States All States

Joseph Chiarello & Co., Inc.; Firearms Business Insurance Coverages CGL, Equipment Breakdown, Firearms Liability, Inland Marine, Property, Umbrella Carrier Status Admitted States All States

MexiPass International Insurance Services LLC

Coverages Int’l Coverage - Commercial, Int’l Coverage Personal Carrier Status Admitted States All States

PEO Brokers Group

Coverages WC - Master Policies/ASO, Workers’ Comp, Workers’ Comp Plus (Alternative) States All States

Professional Program Ins. Brokerage, a Div of SPG Ins.

Coverages Blanket Addt’l Insureds, CGL, Commercial Excess, Cyber Liab, Products Liab, Property Carrier Status Non-admitted States All States

Quantum Specialty Group

Coverages Excess Auto, Excess Liab Carrier Status Admitted, Non-admitted States All States

Driving Ranges McGowan Allied Specialty Insurance

Coverages Auto Comm-Standard, CGL, Crime, Equipment Breakdown, Excess Liab, Hired & Non-owned Auto, Inland Marine, Property, Workers’ Comp Carrier Status Admitted States All States

Philadelphia Insurance Companies

Coverages Commercial Auto - Standard, Boiler & Machinery, Business Income, Care/Custody/Control, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Legal Expense Ins, Participant Accident, Personal Property, Professional Liab, Protection & Indemnity (P&I), Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA

Dry Cleaners/Laundries Ironwood Brokers & Insurance Marketing

Coverages GL, Liability Carrier Status Admitted States Most States

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 Admitted States AZ, CA, ID, NV, OR, UT

Virtue Risk Partners LLC

Coverages Environmental Liability, Pollution Liability Carrier Status Non-admitted States All States

Dude Ranches

K&K Insurance Group Inc.

Dialysis Centers

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

Pro-Praxis Insurance

Coverages E&O, Professional Liab Carrier Status Admitted States All States

Quaker Special Risk, a Jencap Company (New Jersey)

Coverages CGL, GL, Liability, Professional Liab, Umbrella Carrier Status Non-admitted States Most States

Distributors Amwins - 150+ Locations Worldwide

Coverages GL, Legal Liab, Motor Truck Cargo, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Brownyard Group

Cosmetic Insurance Services, a division of EPIC Brokers

Coverages Commercial Auto - Standard, Boiler & Machinery, Crime, GL, Inland Marine, Products Liab, Property, Umbrella Carrier Status Admitted States All States

46 | INSURANCE JOURNAL | NATIONAL DECEMBER 4, 2023

Coverages Auto Comm-Standard, Boiler & Machinery, CGL, Crime, Excess Liab, Inland Marine, Liquor Liab, Property, Workers’ Comp Carrier Status Admitted States All States

McGowan Allied Specialty Insurance

Philadelphia Insurance Companies

Coverages Commercial Auto - Standard, Boiler & Machinery, Business Income, Care/Custody/Control, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Participant Accident, Personal Property, Professional Liab, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA

E-cigarette Manufacturers/Distributors Professional Program Ins. Brokerage, a Div of SPG Ins. Coverages GL, Products Liability, Property Carrier Status Non-admitted States All States

Emergency Service Org’s 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

Pro-Praxis Insurance

Coverages E&O, Professional Liab Carrier Status Admitted States All States

INSURANCEJOURNAL.COM

2023 Annual Program Directory, Volume II Employee Leasing Firms RPS Technology & Cyber

Ryan Specialty National Programs

Staffing Lines

Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States

World Wide Specialty, a Div of Philadelphia Ins. Co's

Employment Agencies Philadelphia Insurance Companies

Coverages Commercial Auto - Standard, 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 Liability, 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

Ryan Specialty National Programs

Staffing Lines

Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States

World Wide Specialty, a Div of Philadelphia Ins. Co's

Engineers-Environmental Access E&S Insurance Services

Coverages Excess Liab, Liability, Pollution Liab, Professional Liab Carrier Status Non-admitted States AR, DC, DE, GA, IL, MD, NC, NJ, NY, OH, PA, SC, TN, TX, VA

Beacon Hill Associates

Coverages CGL, E&O, Environmental Liab, Pollution, Pollution Liab, Transportation Pollution Liab, Workers’ Comp States All States

Commercial Sector Insurance Brokers LLC

Virtue Risk Partners LLC

Coverages Auto Comm-Standard, CGL, Commercial Excess, E&O, Environmental Liability, Workers’ Comp Carrier Status Non-admitted States All States

Engineers-Geotechnical Freberg Environmental Inc.

Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, E&O, Environmental Liab, EPLI, GL, Hired & Nonowned Auto, Pollution, Pollution Liab, Professional Liab, Transportation Pollution Liab Carrier Status Non-admitted States All States

Jencap Specialty Insurance Services (Environmental) Coverages Pollution, Pollution Liability Carrier Status Non-admitted States All States

Philadelphia Insurance Companies

Coverages Commercial Auto - Standard, Business Income, Business Interruption, CGL, D&O, Equipment Breakdown, Fiduciary Liab, GL, Hired & Non-owned Auto, Inland Marine, Non-Trucking Auto Liability, Professional Liability, 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 Property, Service Contracts, Umbrella, Workers’ Comp Carrier Status Non-admitted States IA, IL, IN, OH, WI

Target Professional Programs

Victor Insurance Managers LLC

Coverages E&O, EPLI, Professional Liability Carrier Status Non-admitted States All States except AK, HI

Coverages Cyber Liab, E&O States All States

Entertainer Buses

Virtue Risk Partners LLC

5Star Specialty Programs

Coverages Auto Comm-Nonstandard, Auto CommNonstandard Liability, Auto Comm-Nonstandard Phys Dmg, Commercial Auto - Standard, Excess Liab, GL, Workers’ Comp Carrier Status Admitted States All States

KF&B Program Managers Insurance Services

Coverages Auto Comm-Standard, Auto Comm-Standard Phys Dmg, Commercial Excess, Garage Keepers Legal Liab, Garage Liability, GKLL, GL, Hired & Non-owned Auto, Uninsured Motorists, Workers’ Comp Carrier Status Admitted States All States except LA, MA

National Indemnity Company

Coverages Auto Comm-Nonstandard, Auto CommNonstandard Phys Dmg, Liability, Medical Payments, Uninsured Motorists Carrier Status Admitted, Non-admitted States All States except HI, MA, NJ, NY

Entertainment Equipment Rental Houses Alive Risk

Coverages Accident & Health, Accidental Death, Contingent Coverages, Event Cancellation, Excess Liab, GL, Hired & Nonowned Auto, Inland Marine, Liquor Liab, Workers’ Comp States All States

Coverages Auto Comm-Standard, CGL, Commercial Excess, E&O, Environmental Liab, Workers’ Comp Carrier Status Non-admitted States All States

Equipment Dealers/Rentals

Ascinsure Specialty Risk

Coverages Auto Comm-Standard, Inland Marine, Liability, Property, Umbrella States All States

NBIS

Coverages Auto Comm-Standard, Auto Comm-Standard Phys Dmg, CGL, Commercial Excess, Contractors Equip, Excess Liab, Inland Marine, Liability, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Exercise/Health Studios/Health Clubs K&K Insurance Group Inc.

Coverages CGL, Crime, Excess Liab, Inland Marine, Property Carrier Status Admitted States All States

Markel

Coverages Abuse & Molestation, CGL, Crime, Inland Marine, Property, Umbrella Carrier Status Admitted States All States except HI

Environmental Engineers/Consultants/ Contractors

NeitClem Wholesale Insurance Brokerage Inc.

Access E&S Insurance Services

Philadelphia Insurance Companies

Coverages Excess Liab, Liability, Pollution Liab, Professional Liab Carrier Status Non-admitted States AR, DC, DE, GA, IL, MD, NC, NJ, NY, OH, PA, SC, TN, TX, VA

Beacon Hill Associates

Coverages CGL, E&O, Environmental Liab, Pollution, Pollution Liab, Transportation Pollution Liab, Workers’ Comp States All States

DeCotis Specialty Insurance

Coverages Blanket Addt’l Insureds, Blanket Waivers, Commercial Excess, Contractors Equip, Environmental Liab, EPLI, Fire Legal Liab, GL, Medical Payments, Pollution, Professional Liab Carrier Status Admitted, Non-admitted States CO, CT, FL, MA, ME, NH, NJ, NY, PA, RI, VA, VT

Freberg Environmental Inc.

Coverages Blanket Addt’l Insureds, CGL, Commercial Excess, E&O, EPLI, GL, Hired & Non-owned Auto, Pollution, Pollution Liab, Professional Liab, Transportation Pollution Liab, Umbrella Carrier Status Non-admitted States All States

Jencap Specialty Insurance Services (Environmental)

Coverages Auto Comm-Standard, GL, Pollution, Pollution Liab, Workers’ Comp Carrier Status Non-admitted States All States

Jencap Specialty Insurance Services - Buffalo

Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, COC, Commercial Excess, Completed Operations Liab, E&O, Environmental Liab, EPLI, Excess Liab, Hired & Nonowned Auto, Pollution, Products Liab, Professional Liab, Transportation Pollution Liab Carrier Status Admitted, Non-admitted States All States except AK, HI, WY

JM Wilson

Coverages GL, Property Carrier Status Admitted, Non-admitted States AZ, CA, NV, TX Coverages Abuse & Molestation, Commercial Auto - Standard, 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, Real & Business Personal Prop, Sexual Misconduct, Tanning Liab, Theft Carrier Status Non-admitted States IA, IL, IN, OH, WI

RPS Signature Programs

Coverages Liability, Property Carrier Status Admitted States All States

Sports & Wellness Insurance

Coverages Accident & Health, Crime, Cyber Liab, D&O, GL, Hired & Non-owned Auto, Inland Marine, Property, 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

Exporters

Coverages CGL, E&O, Excess Liab, Misc Professional Liab, Pollution, Pollution Liab, Professional Liab, Umbrella Carrier Status Non-admitted States Most States

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

Meridian Finance Group

Jencap Specialty Insurance Services (Environmental)

Norman-Spencer International Inc.

Coverages Cargo, Inland Marine Carrier Status Admitted States All States

Target Professional Programs

PartnerOne Environmental

Coverages Pollution, Pollution Liability Carrier Status Non-admitted States All States

Coverages E&O, EPLI, Professional Liability Carrier Status Non-admitted States All States except AK, HI

INSURANCEJOURNAL.COM

Coverages E&O, Professional Liab Carrier Status Admitted States All States except AK, HI

Coverages Performance & Payment Bonds, Products Liability States All States

Parcel Insurance Plan

Coverages CGL, E&O, Pollution Carrier Status Non-admitted States All States

DECEMBER 4, 2023 INSURANCE JOURNAL | NATIONAL | 47

2023 Annual Program Directory, Volume II Family Fun Centers

Festivals & Fairs

Fine Art Collections

Alive Risk

Applied Underwriters Inc.

American Specialty Insurance & Risk Services Inc.

Markel

McGowan Allied Specialty Insurance

K&K Insurance Group Inc.

MiniCo Insurance Agency, a Jencap Company

McGowan Allied Specialty Insurance

Monarch E&S Insurance Services

Coverages Excess Liability, GL, Hired & Non-owned Auto, Inland Marine, Liquor Liability, Workers’ Comp Carrier Status Admitted, Non-admitted States All States Coverages Auto Comm-Standard, CGL, Crime, Employee Benefits, Excess Liab, Liquor Liab, Property, Workers’ Comp Carrier Status Admitted States All States 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 Liability, GL, Inland Marine, Participant Accident, Pollution, Prize Indemnification, Property, Workers’ Comp Carrier Status Admitted States All States

Farm & Ranch Agricultural Insurance Mgmt Services

Coverages Auto Comm-Standard, Care/Custody/Control, CGL, Commercial Excess, Equipment Breakdown, Excess Liab, Horse Mortality, Property, Umbrella Carrier Status Admitted States Most States

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

XPT Specialty

Coverages CGL, Combo Personal & Commercial, Dwelling Fire, Equipment, Inland Marine, Livestock/Animal Mortality, Property Carrier Status Admitted, Non-admitted States All States

Farm Labor Contractors XPT Specialty

Coverages Excess Liab, GL, Herbicide & Pesticide, Inland Marine, Professional Liab Carrier Status Non-admitted States All States

Fast Food Restaurants Business Alliance Insurance Company

Coverages BOP, Cyber Liab, EPLI, Equipment Breakdown, Liquor Liab Carrier Status Admitted States CA

Izzo Insurance Services, A division of Hull & Company LLC Coverages Blanket Waivers, Workers’ Comp Carrier Status Admitted States All States

Coverages Accident & Health, Contingent Coverages, Event Cancellation, Excess Liab, GL, Hired & Non-owned Auto, Inland Marine, Liquor Liab States All States Coverages Auto Comm-Standard, CGL, Crime, Employee Benefits, Excess Liab, Liquor Liab, Property, Workers’ Comp Carrier Status Admitted States All States Coverages Auto Comm-Standard, CGL, Crime, EPLI, Event Cancellation, Inland Marine, Liquor Liab, Property, Workers’ Comp Carrier Status Admitted States All States except FL 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 - Standard, 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

www.insurancehelper.com

Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Completed Operations Liability, GL, Hired & Non-owned Auto, Liability, Liquor Liability, Medical Payments, Personal Liability, Products Liability, Trade Shows & Festivals Carrier Status Non-admitted States All States

Financial Institutions Jencap Specialty Insurance Services - Buffalo

Coverages Blanket Forced Placed, CGL, COC, Cyber Liab, D&O, E&O, EPLI, Fidelity, Fidelity Bonds, Fiduciary Liab, Force Place Fire Cvrg, Foreclosed Properties, Identity Theft, Interim Car Liab/Phys Dmg, Kidnap/Ransom, Lessors Contingent Liab, Lessors Contingent Phys Dmg, Lessors Excess Liab, Misc Professional Liab, Mortgage Impairment, Mortgage REO Cvrg, Umbrella Carrier Status Admitted, Non-admitted States All States except AK, HI, WY

Meridian Finance Group

Coverages Int’l Coverage - Commercial, Political Risk States All States

Proctor Loan Protector

ProSurance Group, a Div of One80 Intermediaries

Coverages Crime, E&O, Excess Liab, Fidelity, Fidelity Bonds, 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

Unitas Financial Services

Coverages Blanket Forced Placed, Collateral Protection, D&O, Force Place Fire Cvrg, Foreclosed Properties, Mortgage Impairment, Mortgage REO Cvrg, Professional Liab Carrier Status Admitted, Non-admitted States All States except AK, HI

Wilkoff Bonds

Omaha National

Coverages Crime, Fidelity, Fidelity Bonds, Fiduciary Liab Carrier Status Admitted States All States

PEO Brokers Group

CalSurance Associates, a Div. of Brown & Brown Program

Coverages Workers’ Comp Carrier Status Admitted States AZ, CA, CT, GA, IA, IL, NC, NE, NJ, NY, PA, SC 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 Liability, EPLI, Equipment Breakdown, Fire Legal Liability, Hired & Non-owned Auto, Medical Payments, Property, Umbrella Carrier Status Admitted States AZ, CA, ID, NV, OR, UT, WA

Financial Planners Coverages E&O, Professional Liab Carrier Status Admitted States All States

Markel

Coverages E&O Carrier Status Admitted, Non-admitted States All States except DC

ProSurance Group, a Div of One80 Intermediaries

Coverages Crime, E&O, Fidelity, Fidelity Bonds, Insurance Broker Bonds, Professional Liab Carrier Status Admitted, Non-admitted States All States

Coverages Combo Personal & Commercial, Fine Arts, Int’l Coverage - Commercial, Int’l Coverage - Personal, Physical Damage, Theft Carrier Status Admitted States All States Coverages Auto Comm-Standard, Business Interruption, Crime, GL, Property, Umbrella Carrier Status Admitted States All States except DC, HI Coverages Fine Arts, Fire, Mysterious Disappearance, Personal Property, Physical Damage, Theft Carrier Status Admitted States All States Coverages Earthquake, Excess Flood, Fire, Inland Marine, Mysterious Disappearance Carrier Status Admitted, Non-admitted States All States

Firearms Dealers Breckenridge Insurance

Coverages Cyber Liab, Professional Liab Carrier Admitted States All States except AK, HI, NY

Joseph Chiarello & Co., Inc.; Firearms Business Insurance Coverages CGL, Crime, Equipment Breakdown, Firearms Liability, Liquor Liab, Medical Payments, Products Liab, Property, Umbrella Carrier Status Admitted States All States

Food Vendors Ironwood Brokers & Insurance Marketing

Coverages GL, Liability Carrier Status Admitted States Most States

K&K Insurance Group Inc.

Coverages CGL, Inland Marine Carrier Status Admitted States All States

www.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 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

Continental Underwriters Inc.

Coverages Builders Risk, Business Income, Business Interruption, Combo Personal & Commercial, Commercial Excess, Crime, Equipment Breakdown, GL, Inland Marine, Int’l Coverage - Commercial, Int’l Coverage - Personal, Property, Umbrella, Wind, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Victor Insurance Managers LLC

Coverages Auto Comm-Standard, Cargo, Cyber Liab, Excess Liab, GL, Inland Marine, Property Carrier Status Admitted States All States except CA, LA, MI, NY

Foster Care Negley Associates

Coverages CGL, Professional Liability Carrier Status Non-admitted States All States

Nonprofits Insurance Alliance

Coverages Abuse & Molestation, Auto Comm-Standard, Auto Comm-Standard Phys Dmg, Blanket Addt’l Insureds, Business Income, Business Interruption, CGL, Community/Social Svcs, Crime, Developmental Disabilities, EPLI, Fiduciary Liab, Fire Legal Liab, Hired & Non-owned Auto, Inland Marine, Liquor Liab, Mechanical Breakdown, Misc Professional Liab, Nonprofit D&O, Sexual Misconduct, Umbrella, Uninsured Motorists Carrier Status Non-admitted States Most States

RPS Signature Programs

Coverages Auto Comm-Standard, Excess Liab, GL, Property Carrier Status Admitted, Non-admitted States All States

Foundations

Affinity Nonprofits

Coverages Auto Comm-Standard, BOP, D&O, EPLI, Fiduciary Liab, Nonprofit D&O, Workers’ Comp Carrier Status Admitted States All States except HI

Berkley Select | a Berkley Company

Coverages D&O, EPLI, Fiduciary Liab, Nonprofit D&O Carrier Status Admitted, Non-admitted States All States

48 | INSURANCE JOURNAL | NATIONAL DECEMBER 4, 2023

INSURANCEJOURNAL.COM

2023 Annual Program Directory, Volume II 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 Liability, Professional Liability, Umbrella Carrier Status Admitted States All States except HI, LA, OK

Nonprofits Insurance Alliance

Coverages Abuse & Molestation, Auto, Blanket Addt’l Insureds, Business Income, Business Interruption, CGL, Community/Social Svcs, Crime, 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

Philadelphia Insurance Companies

Coverages Abuse & Molestation, Commercial Auto - Standard, 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 Liability, Inland Marine, Liquor Liability, 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 - Standard, Boiler & Machinery, Business Income, Crime, Cyber Liab, D&O, EPLI, GL, Property, Umbrella Carrier Status Admitted, Non-admitted States All States

K&K Insurance Group Inc.

Coverages Auto Comm-Standard, CGL, Crime, EPLI, Inland Marine, Property, Workers’ Comp States All States

Sun Coast General Insurance Agency

Coverages CGL, Dealers Open Lot, Garage Keepers Legal Liab, Garage Liability, GKLL, GL, HNOA, Property Carrier Status Admitted, Non-admitted States AZ, CA

Union General Insurance Services Inc.

Coverages CGL, E&O, Garage Keepers Legal Liab, Garage Liability, GKLL, GL, Products Liab, Professional Liab, Property, Uninsured Motorists Carrier Status Non-admitted States AZ, CA, ID, MT, NM, NV, OR, TX, UT, WA

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

MAXIMUM

Coverages Abuse & Molestation, Accident & Sickness, Addiction Treatment, Assault & Battery, Business Income, CGL, Crime, D&O, EPLI, Fire, Flood, GL, Hired & Non-owned Auto, Identity Theft, Legal Liab, Liability, Liquor Liability, Personal Property, Professional Liability, Property, Sexual Misconduct, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

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

Philadelphia Insurance Companies

Coverages Commercial Auto - Standard, Boiler & Machinery, Business Income & Interruption, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire, Food Spoilage, GL, Hired & Non-owned Auto, Identity Theft, Inland Marine, Liquor Liab, Professional Liab, Property, Real & Business Personal Prop, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA

Venture Insurance Programs

Funeral Directors Balance Partners - Maven

Virtue Risk Partners LLC

Coverages Environmental Liab, Pollution Liability Carrier Status Non-admitted States All States

Grocery Stores/Supermarkets

Anderson & Murison Inc.

Business Alliance Insurance Company

Coverages Excess Liab, Garage Liability, GL, Inland Marine, Property Carrier Status Admitted, Non-admitted States All States

Jencap Specialty Insurance Services - Buffalo

Coverages Commercial Auto, Business Income, Care/Custody/ Control, Cargo, Commercial Excess, Completed Operations Liab, Dealers Open Lot, Excess Liab, Fire Legal Liab, GKLL, GL, Inland Marine, Medical Payments, Physical Damage, Products Liab, Property, Theft, Truck Auto Liab, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except AK, HI, WY

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, DC, HI, MA, NY

Lancer Insurance Company

Coverages Garage Keepers Legal Liab, Garage Liability, GKLL Carrier Status Admitted, Non-admitted States CT, NJ, NY

National Indemnity Company

Ironwood Brokers & Insurance Marketing

Coverages GL, Liability Carrier Status Admitted States Most States

Omaha National

Coverages Workers’ Comp Carrier Status Admitted States AZ, CA, CT, GA, IA, IL, NC, NE, NJ, NY, PA, SC

Joseph Chiarello & Co., Inc.; Firearms Business Insurance Coverages GL, Property, Umbrella Carrier Status Admitted States All States

K&K Insurance Group Inc.

Coverages CGL, Crime, Excess Liab, Inland Marine, Property Carrier Status Admitted States All States 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

Gymnastics Facilities American Specialty Insurance & Risk Services Inc.

Coverages Auto Comm-Standard, CGL, Inland Marine, Participant Accident, Workers’ Comp Carrier Status Admitted States All States

K&K Insurance Group Inc.

Coverages Abuse & Molestation, CGL, Equipment, Inland Marine Carrier Status Admitted States All States

Philadelphia Insurance Companies

Coverages Abuse & Molestation, Commercial Auto - Standard, 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

UCA General Insurance Services Inc.

Coverages Business Income, CGL, Cyber Liab, EPLI, Fire Legal Liab, Medical Payments, Property, Umbrella Carrier Status Admitted States AZ, CA, ID, NV, OR, UT, WA

Coverages Accident & Health, Crime, Cyber Liab, D&O, GL, Hired & Non-owned Auto, Inland Marine, Property, Umbrella Carrier Status Admitted States All States

Hazardous Materials Transporters

Group Homes

Access E&S Insurance Services

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

Prime Insurance Company

Coverages Abuse & Molestation, Auto, Blanket Addt’l Insureds, 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, Sexual Misconduct, Umbrella, Uninsured Motorists Carrier Status Non-admitted States Most States

INSURANCEJOURNAL.COM

Guides & Outfitters Breckenridge Insurance

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 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 Liability, Property, Rented Property, Wrongful Repo Carrier Status Non-admitted States All States

Coverages D&O, EPLI, Excess Liab, GL, Professional Liab, Property Carrier Status Admitted, Non-admitted States All States

Markel

Coverages BOP, Cyber Liab, EPLI, Equipment Breakdown, Liquor Liab Carrier Status Admitted States CA

Coverages CGL, Professional Liability Carrier Status Non-admitted States All States

Nonprofits Insurance Alliance

RPS Healthcare

McGowan Allied Specialty Insurance

Golf Courses

Garages

Coverages Abuse & Molestation, Boiler & Machinery, Business Income, Care/Custody/Control, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liability, GL, Hired & Non-owned Auto, Identity Theft, Legal Expense Ins, Personal Property, Professional Liability, Protection & Indemnity (P&I), Umbrella Carrier Status Admitted States All States except LA

Coverages Auto Comm-Standard, Crime, Cyber Liab, D&O, GL, Inland Marine, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States except AK, HI, NY

Gentleman’s Clubs

Coverages D&O, E&O, EPLI, Excess Liab, GL, Herbicide & Pesticide, Liquor Liab, Pollution, Property, Tee-to-Green, Umbrella, Work Comp Carrier Status Admitted States All

Coverages CGL, E&O, Excess Liab, Professional Liability Carrier Status Non-admitted States All States

Philadelphia Insurance Companies

Coverages Commercial Auto - Standard, Excess Liability, Liability, Pollution Liability, Professional Liability 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

DECEMBER 4, 2023 INSURANCE JOURNAL | NATIONAL | 49

2023 Annual Program Directory, Volume II Health Clubs

Home Healthcare Providers

Homebuilders

American Specialty Insurance & Risk Services Inc.

AllComp Solutions

Applied Underwriters Inc.

Coverages Auto Comm-Standard, CGL, Crime, Employee Benefits, Excess Liab, Liquor Liab, Property, Workers’ Comp Carrier Status Admitted States All States

K&K Insurance Group Inc.

Coverages Business Income, Crime, GL, Inland Marine, Liquor Liab, Property, Tanning Liab, Workers’ Comp Carrier Status Admitted States All States

Markel

Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States

Amwins - 150+ Locations Worldwide

Coverages Crime, Employee Benefits, Fidelity Bonds, GL, Professional Liability, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Care Providers Insurance Services

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

Coverages Abuse & Molestation, CGL, Crime, Inland Marine, Property, Umbrella Carrier Status Admitted States All States except HI

Omaha National

RPS Signature Programs

CRC Insurance Services

Coverages Blanket Waivers, CGL, Liability Carrier Status Non-admitted States Most States

Coverages Liability, Property Carrier Status Admitted States All States

Sports & Fitness Insurance Corporation (SFIC) Coverages Abuse & Molestation, Accident & Health, Accidental Death, Boiler & Machinery, BOP, Builders Risk, Business Income, Business Interruption, CGL, Combo Personal & Commercial, Commercial Marine, Crime, Earthquake, Employee Benefits, EPLI, Equipment Breakdown, Fire Legal Liab, Flood, GL, Glass, Hired & Nonowned Auto, Inland Marine, Liability, Liquor Liab, Misc Professional Liab, Performance & Payment Bonds, Products Liab, Professional Liab, Umbrella, Workers’ Comp Carrier Status Admitted States All States

Coverages Excess Liability, GL, Professional Liability, Property, Umbrella Carrier Status Non-admitted States All States except AR, MS, NC, OR, WA

Logic Underwriters Inc.

Coverages GL, Professional Liability 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 Accident & Health, Crime, Cyber Liab, D&O, GL, Hired & Non-owned Auto, Inland Marine, Property, Umbrella Carrier Status Admitted States All States

Coverages Abuse & Molestation, Commercial Auto - Standard, 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

Venture Insurance Programs

PMC Insurance Group

Sports & Wellness Insurance

Coverages Auto Comm-Standard, Crime, Cyber Liab, D&O, EPLI, GL, Liquor Liab, Professional Liab, Property, Umbrella Carrier Status Admitted States All States

Coverages Workers’ Comp Carrier Status Admitted States All States

Pro-Praxis Insurance

Healthcare Facilities

Coverages E&O, Professional Liab Carrier Status Admitted States All States

AllComp Solutions

Promont Insurance Advisors

Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States

Amalgamated Insurance Underwriters

Coverages CGL, Cyber Liab, EPLI, Excess Liab, Hired & Non-owned Auto, Professional Liab, Property Carrier Status Non-admitted States All States

Coverages Assault & Battery, Crime, Earthquake, Equipment Breakdown, Flood, Property Carrier Status Non-admitted States All States except CO, FL, HI, LA, NY, TX

Quaker Special Risk, a Jencap Company (Florida)

Amwins - 150+ Locations Worldwide

Quaker Special Risk, a Jencap Company (Mass.)

Coverages Crime, Employee Benefits, Fidelity Bonds, GL, Professional Liab, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Atlas General Insurance Services, An RPS Company

Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States

Element22 Insurance Services

Coverages CGL, Professional Liab, Property Carrier Status Admitted States All States

Jencap Specialty Insurance Services - Buffalo

Coverages Auto Comm-Standard, Liability, Medical, Medical Malpractice, Mental Health Care, Property Carrier Status Admitted, Non-admitted States All States except AK, HI, WY

NeitClem Wholesale Insurance Brokerage Inc.

Coverages Developmental Disabilities, Fire, Liability, Medical Malpractice, Professional Liab Carrier Status Admitted, Non-admitted States AZ, CA, NV, TX

Coverages Abuse & Molestation, CGL, Professional Liab Carrier Status Non-admitted States Most States Coverages Abuse & Molestation, CGL, Professional Liab Carrier Status Non-admitted States Most States

Quaker Special Risk, a Jencap Company (New Jersey) Coverages Abuse & Molestation, CGL, Professional Liab Carrier Status Non-admitted States Most States

RPS Healthcare

Coverages D&O, EPLI, Excess Liab, GL, Professional Liab, Property States All States

Sapphire Blue

Coverages CGL, Professional Liability Carrier Status Non-admitted States All States except KY

StateFund First, a Div of Arthur J Gallagher Ins Brokers of CA Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States CA

Home Inspectors

PEO Brokers Group

Landy Insurance Agency

Pro-Praxis Insurance

Norman-Spencer Agency LLC

Promont Insurance Advisors

Professional Insurance Concepts

RPS Healthcare

Target Professional Programs

Coverages WC - Master Policies/ASO, Workers’ Comp, Workers’ Comp Plus (Alternative) States All States Coverages E&O, Professional Liab Carrier Status Admitted States All States Coverages CGL, Cyber Liab, Professional Liab, Property Carrier Status Non-admitted States All States

Coverages CGL, E&O, Misc Professional Liab, Professional Liab Carrier Status Admitted States All States Coverages E&O, GL, Property Carrier Status Non-admitted States All States except AK, LA, WV Coverages E&O, EPLI, Professional Liability Carrier Status Admitted States All States

Coverages D&O, EPLI, Excess Liab, GL, Medical Professional, Professional Liab, Property States All States

Coverages E&O, GL, Professional Liability Carrier Status Non-admitted States All States

Heavy Equipment Dealers

Home Medical Equipment Dealers

Ascinsure Specialty Risk

Coverages Auto Comm-Standard, Cyber Liab, Inland Marine, Liability, Property, Umbrella States All States

NBIS

Amwins - 150+ Locations Worldwide

Coverages Crime, Employee Benefits, Fidelity Bonds, GL, Professional Liability, 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

50 | INSURANCE JOURNAL | NATIONAL DECEMBER 4, 2023

Coverages Workers’ Comp Carrier Status Admitted States AZ, CA, CT, GA, IA, IL, NC, NE, NJ, NY, PA, SC

Quaker Special Risk, a Jencap Company (New Jersey) 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

Victor Insurance Managers LLC

Coverages Builders Risk, Cyber Liab Carrier Status Admitted States All States except HI

Westcap Insurance Services LLC

Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL Carrier Status Admitted, Non-admitted States AK, AZ, CA, ID, NV, OR, TX, UT

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 Workers’ Comp Carrier Status Admitted States All States except ID, MA, ND, OH, WA, WY

Distinguished Programs

Coverages Crime, D&O, GL, Property, Umbrella Carrier Status Admitted, Non-admitted States All States

Element22 Insurance Services

Coverages Catastrophe, Excess Flood, Flood, Hurricane, Property, Real & Business Personal Prop, Weather, Wind Carrier Status Non-admitted States AL, FL, GA, LA, MS, NC, SC, TX, VA

FTP of California

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 Liability, D&O, E&O Carrier Status Admitted States All States except MT, VT

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 Coverage Personal Carrier Status Admitted States All States

MiniCo Insurance Agency, a Jencap Company

Coverages D&O, Liability Carrier Status Non-admitted States All States

INSURANCEJOURNAL.COM

2023 Annual Program Directory, Volume II Philadelphia Insurance Companies

Coverages Commercial Auto - Standard, 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

Hospitals

McGowan Allied Specialty Insurance

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

Professional Insurance Concepts

Coverages E&O, Professional Liab Carrier Status Admitted States All States

US Assure

Amalgamated Insurance Underwriters

Coverages E&O, Professional Liab Carrier Status Admitted States All States 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, Horse Mortality, Property Carrier Status Admitted States All 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 & Equipment, Umbrella Carrier Status Admitted States All States except DC, HI

Hotels/Motels 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

Atlas General Insurance Services, An RPS Company

Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States

Coverages CGL, Cyber Liab, Professional Liab, Property Carrier Status Non-admitted States All States

Sapphire Blue

Coverages CGL, Professional Liability Carrier Status Non-admitted States All States except KY

Importers Anderson & Murison Inc.

Coverages Commercial Excess, D&O, EPLI, Professional Liab Carrier Status Admitted States All States

Brownyard Group

Covenant Underwriters

Meridian Finance Group

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

Element22 Insurance Services

Coverages Assault & Battery, Boiler & Machinery, Builders Risk, Business Income, Business Interruption, Catastrophe, Equipment Breakdown, Excess Flood, Fire, Flood, Hurricane, Property, Weather, Wind Carrier Status Non-admitted States All States

FTP of California

Coverages Builders Risk, CGL, Property Carrier Status Non-admitted States All States except OK, TX

Gorst & Compass Insurance

Coverages Business Income, CGL, Glass, Property Carrier Status Non-admitted States CA

Hull & Company

Coverages Business Interruption, CGL, Property Carrier Status Non-admitted States All States except DC

Monarch E&S Insurance Services

Coverages WC - Master Policies/ASO, Workers’ Comp, Workers’ Comp Plus (Alternative) States All States

PMC Insurance Group

Coverages Commercial Auto - Standard, Boiler & Machinery, Crime, GL, Inland Marine, Products Liab, Property, Umbrella Carrier Status Admitted States All States Coverages Performance & Payment Bonds, Political Risk States All States

NeitClem Wholesale Insurance Brokerage Inc.

Coverages GL, Property Carrier Status Admitted, Non-admitted States AZ, CA, NV, TX

In-Home Child Care Markel

Coverages Abuse & Molestation, CGL Carrier Status Admitted States All States

Industrial Parks MexiPass International Insurance Services LLC

Coverages Int’l Coverage - Commercial, Int’l Coverage Personal 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 - Standard, Business Income, Care/Custody/Control, CGL, Crime, D&O, Employee Benefits, EPLI, Fiduciary Liab, Fire Legal Liab, GL, Hired & Nonowned Auto, Personal Property, Professional Liab, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA

Coverages Workers’ Comp Carrier Status Admitted States All States

Insurance Agents & Brokers (P/C L/H)

Southern Hospitality Underwriters

Builders & Tradesmen’s Insurance Services Inc. (BTIS)

Coverages All Risks/Cash in Transit, Auto Comm-Standard Liability, Crime, Cyber Liab, EPLI, Equipment Breakdown, GL, Liquor Liab, Property, Sexual Misconduct, Umbrella, Wind, Workers’ Comp Carrier Status Admitted States All States

UCA General Insurance Services Inc.

Coverages E&O, GL, Workers’ Comp Carrier Status Admitted States All States except AK

CalSurance Associates, a Div. of Brown & Brown Program

Coverages Cyber Liab, E&O, EPLI, Identity Theft, Professional Liab Carrier Status Admitted, Non-admitted States All States

Cooper & McCloskey Inc.

Coverages Business Income, CGL, Crime, Cyber Liab, EPLI, Equipment Breakdown, Hired & Non-owned Auto, Liquor Liab, Medical Payments, Property, Umbrella Carrier Status Admitted States AZ, CA, ID, NV, OR, UT, WA

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

Ice Rink Owners & Operators

Coverages Excess Liab, GL, Workers’ Comp Carrier Status Admitted States Most States

American Specialty Insurance & Risk Services Inc.

Coverages Auto Comm-Standard, CGL, Crime, Employee Benefits, Excess Liab, Liquor Liab, Participant Accident, Property, Workers’ Comp Carrier Status Admitted States All States

INSURANCEJOURNAL.COM

Coverages Accident & Health, Crime, Cyber Liab, D&O, GL, Hired & Non-owned Auto, Inland Marine, Property, Umbrella Carrier Status Admitted States All States

Cosmetic Insurance Services, a division of EPIC Brokers

Coverages CGL, Commercial Excess, Earthquake, Excess Liab, Hurricane, Mechanical Breakdown, Property, Wind Carrier Status Non-admitted States Most States

PEO Brokers Group

Promont Insurance Advisors

Sports & Wellness Insurance

Commercial Sector Insurance Brokers LLC

Coverages Excess Liab, GL, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except AK, NY

Hospice Care Facilities

Coverages Commercial Auto - Standard, 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 States except LA

Builders & Tradesmen’s Insurance Services Inc. (BTIS)

Care Providers Insurance Services

Nonprofits Insurance Alliance

Philadelphia Insurance Companies

Coverages CGL, Property Carrier Status Non-admitted States All States

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

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

Frank Winston Crum Insurance J.E. Brown & Associates

Coverages Cyber Liab, D&O, E&O, EPLI States AZ, CA, CO, NV, OR, TX, UT, WA

DECEMBER 4, 2023 INSURANCE JOURNAL | NATIONAL | 51

2023 Annual Program Directory, Volume II 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

Janitorial Firms Atlas General Insurance Services, An RPS Company

Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States

Number One Insurance Agency

Builders & Tradesmen’s Insurance Services Inc. (BTIS)

Professional Insurance Concepts

Indemnity Excess & Surplus Agency Inc.

Coverages Excess Liability, Professional Liability Carrier Status Admitted, Non-admitted States MA Coverages E&O, EPLI, Professional Liability Carrier Status Admitted States All States

ProSurance Group, a Div of One80 Intermediaries

Coverages Crime, E&O, Excess Liab, Fidelity, Fidelity Bonds, Professional Liab Carrier Status Admitted, Non-admitted States All States

Quadrant Insurance Managers

Coverages D&O, Professional Liability Carrier Status Non-admitted States All States

Sun Coast General Insurance Agency

Coverages BOP, Cyber Liab, E&O, Liability Carrier Status Non-admitted States AZ, CA, CO, NV, OR, UT, WA

Target Professional Programs

Coverages E&O, Professional Liab Carrier Status Nonadmitted States All States except AK, HI, LA, MS, WV

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

Coverages Auto Comm-Standard, Excess Liab, GL, Workers’ Comp Carrier Status Admitted States All States except AK Coverages Contractors Equipment, GL, Lost Key Carrier Status Non-admitted States AZ, CA, CO, FL, HI, ID, NV, OR, TX, WA

Markel

Coverages Business Income, Equipment Breakdown, GL, Lost Key, Medical Payments, Property, Theft, Workers’ Comp Carrier Status Admitted States All States except WV

Omaha National

Coverages Workers’ Comp Carrier Status Admitted States AZ, CA, CT, GA, IA, IL, NC, NE, NJ, NY, PA, SC

PEO Brokers Group

Coverages WC - Master Policies/ASO, Workers’ Comp, Workers’ Comp Plus (Alternative) States All States

TAPCO Underwriters Inc.

Coverages GL, Professional 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

Laboratories - Testing

Mexico Insurance Online

Freberg Environmental Inc.

Quadrant Insurance Managers

Coverages D&O, EPLI, Fiduciary Liab, Professional Liab Carrier Status Non-admitted States All States

Professional Program Ins. Brokerage, a Div of SPG Ins.

Internet Companies

Virtue Risk Partners LLC

Coverages Auto Pers-Nonstandard, Auto Pers-Standard, Boats, Emergency Towing & Service, Homeowners Pkg, Int’l Coverage - Personal, Liability, Physical Damage States All

Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, E&O, Environmental Liab, GL, Hired & Non-owned Auto, Pollution, Pollution Liab, Professional Liab, Transportation Pollution Liab Carrier Status Non-admitted States All States Coverages Cyber Liability, GL, Professional Liability Carrier Status Non-admitted States All States

Professional Insurance Concepts

Coverages Auto Comm-Standard, CGL, Commercial Excess, E&O, Environmental Liab, Workers’ Comp Carrier Status Non-admitted States All States

RPS Technology & Cyber

Land Surveyors

Coverages E&O, Professional Liab Carrier Status Admitted States All States Coverages BOP, Breach of Security, Business Income, Business Interruption, CGL, Combo Personal & Commercial, Completed Operations Liab, Crime, Cyber Liab, D&O, E&O, Employee Benefits, EPLI, Excess Liab, Fidelity, Fidelity Bonds, Fiduciary Liab, Hired & Non-owned Auto, Liability, Media Liab, Products Liab, Professional Liab, Property, Technology E&O, Umbrella Carrier Status Admitted States All States except DC

Investigators AMIS/Alliance Marketing & Insurance Services LLC

Coverages Auto Comm-Standard Liability, Auto CommStandard Phys Dmg, E&O, Liability, Property, Workers’ Comp Carrier Status Non-admitted States All States except RI, WY

Brownyard Group

Coverages Assault & Battery, Blanket Addt’l Insureds, Care/ Custody/Control, CGL, Commercial Excess, E&O, GL, Inland Marine, Liability, Lost Key, Medical Payments, Professional Liab, Property Carrier Status Admitted, Non-admitted States All States except NE

Ryan Specialty National Programs

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 ProSurance Group, a Div of One80 Intermediaries

Coverages Crime, E&O, Fidelity, Fidelity Bonds, Professional Liab Carrier Status Admitted, Non-admitted States All States

Unitas Financial Services

Coverages Foreclosed Properties, Liability, Property, Rented Property, Residential Property Carrier Status Admitted, Non-admitted States All States except AK, HI

Victor Insurance Managers LLC

Coverages Cyber Liability, E&O, Professional Liability Carrier Status Admitted States All States

Landfills/Recycling/Disposal Facilities Jencap Specialty Insurance Services (Environmental) Coverages Pollution, Pollution Liability Carrier Status Non-admitted States All States

PartnerOne Environmental

Coverages Environmental Liab, Pollution, Pollution Liab States All States

Virtue Risk Partners LLC

Coverages CGL, Commercial Excess, E&O, Environmental Liab, Workers’ Comp Carrier Status Non-admitted States All States

Landscape Contractors Atlas General Insurance Services, An RPS Company

Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States

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 Liability, Professional Liability, Property Carrier Status Admitted, Non-admitted States All States except CA, LA, NV, NY, SC

Builders & Tradesmen’s Insurance Services Inc. (BTIS)

GMI Insurance Services

Coverages Commercial Auto - Standard, CGL, GL, Hired & Non-owned Auto, Medical Payments, Truck Auto Liab, Uninsured Motorists, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except DC, MA, NY

Izzo Insurance Services, A division of Hull & Company LLC Coverages Blanket Waivers, Workers’ Comp Carrier Status Admitted States All States

MiniCo Insurance Agency, a Jencap Company

Coverages Commercial Auto - Standard, CGL, GL, Herbicide & Pesticide, Inland Marine, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Omaha National

Coverages Workers’ Comp Carrier Status Admitted States AZ, CA, CT, GA, IA, IL, NC, NE, NJ, NY, PA, SC

Oryx Insurance Brokerage Inc.

Coverages Auto Comm-Standard, GL, Umbrella, Workers’ Comp Carrier Status Admitted States CT, DE, MD, NJ, NY, PA, VT

Professional Insurance Concepts

Coverages E&O, Professional Liab Carrier Status Admitted States All States

REInsurePro

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, Non-admitted States All States except CA, LA, NV, NY, SC

Laser Centers Marine Agency Corporation

Professional Program Ins. Brokerage, a Div of SPG Ins.

Coverages Abuse & Molestation, CGL, Commercial Excess, Cyber Liab, Equipment Breakdown, Products Liab, Professional Liab, Property 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

Law Firms

Amwins - 150+ Locations Worldwide

Coverages Legal Liab, Professional Liab States ME, NH, VT

Association Member Benefits Advisors LLC

Coverages BOP, Cyber Liab, D&O, E&O, EPLI, Event Cancellation, Fidelity Bonds, Identity Theft, Legal Malpractice, Misc Professional Liab, Professional Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Cooper & McCloskey Inc.

Coverages Legal Malpractice, Professional Liab Carrier Status Admitted, Non-admitted States AK, AZ, CA, CO, GA, HI, IL, NV, NY, OR, TN, TX, UT, WA

Hull & Company

Coverages Commercial Excess, D&O, E&O, EPLI Carrier Status Admitted, Non-admitted States All except DC

Lawyer’s Protector Plan

Coverages E&O, Legal Liab, Legal Malpractice, Professional Liab Carrier Status Admitted States Most States

MiniCo Insurance Agency, a Jencap Company

Coverages Auto Comm-Standard, Contractors Equip, Excess Liab, GL, Workers’ Comp Carrier Status Admitted States All States except AK

Coverages E&O, Professional Liab Carrier Status Admitted, Non-admitted States All States

DeCotis Specialty Insurance

Professional Insurance Concepts

Coverages Blanket Addt’l Insureds, Blanket Waivers, Commercial Excess, Equipment, Fire Legal Liab, GL, Inland Marine, Medical Payments Carrier Status Non-admitted States AZ, CO, CT, DC, DE, FL, GA, MA, MD, ME, NH, NJ, OK, PA, RI, SC, VA, VT

52 | INSURANCE JOURNAL | NATIONAL DECEMBER 4, 2023

Coverages E&O, EPLI, Professional Liability 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

INSURANCEJOURNAL.COM

2023 Annual Program Directory, Volume II Target Professional Programs

Coverages E&O, Professional Liab Carrier Status Admitted States Most States

The McGowan Companies

Coverages E&O, Excess Liab, Professional Liability 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

Lumber Mills/Saw/Plywood 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

Coverages Crime, Fidelity, Fidelity Bonds, Fiduciary Liability Carrier Status Admitted States All States

Omaha National

Libraries

Western Surplus Lines Agency Inc.

Brownyard Group

Coverages Abuse & Molestation, Auto Comm-Standard, Business Income, CGL, Commercial Excess, Crime, D&O, EPLI, Equipment, Fine Arts, GL, Inland Marine, Medical Payments, Property Carrier Status Admitted States All States except AK, FL, HI, WA

Public Entities of America (PEA)

Coverages Commercial Auto - Standard, Commercial Excess, GL, Professional Liab, Property Carrier Status Admitted States Most States

Limousine Service Companies 5Star Specialty Programs

Coverages Auto Comm-Nonstandard, Auto CommNonstandard Liability, Auto Comm-Nonstandard Phys Dmg, Commercial Auto - Standard, Excess Liab, GL, Physical Damage, Workers’ Comp Carrier Status Admitted States All States

KF&B Program Managers Insurance Services

Coverages Auto Comm-Standard, Liability, Physical Damage Carrier Status Admitted States All States except HI, MA, NY, RI

National Indemnity Company

Coverages Auto Comm-Nonstandard, Auto CommNonstandard Phys Dmg, Liability, Medical Payments, Uninsured Motorists Carrier Status Admitted, Non-admitted States All States except HI, MA, NJ, NY

Philadelphia Insurance Companies

Coverages Auto Comm-Standard Liability, Auto CommStandard Phys Dmg, CGL, Hired & Non-owned Auto Carrier Status Admitted States All States except FL, LA, MI, NV, NY

Prime Insurance Company

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

Star Mutual RRG

Coverages Auto Comm-Nonstandard, Auto CommNonstandard Liability, Auto Comm-Standard, Auto CommStandard Liability Carrier Status Admitted, Non-admitted States PA

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

NeitClem Wholesale Insurance Brokerage Inc.

Continental Underwriters Inc.

Professional Program Ins. Brokerage, a Div of SPG Ins.

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 Abuse & Molestation, All Risks/Cash in Transit, Boiler & Machinery, Crime, D&O, Environmental Liab, EPLI, Excess Liability, Liability, Pollution, Pollution Liability Carrier Status Admitted States All States

Union General Insurance Services Inc.

Coverages GL, Professional Liab, Property Carrier Status Admitted, Non-admitted States AZ, CA, ID, MT, NM, NV, OR, TX, UT, WA

INSURANCEJOURNAL.COM

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

StateFund First, a Div of Arthur J Gallagher Ins Brokers of CA

Manufacturers

The McGowan Companies

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

Applied Underwriters Inc.

Coverages Builders Risk, Combo Personal & Commercial, Workers’ Comp Carrier Status Admitted States All States

Atlas General Insurance Services, An RPS Company

Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States

Commercial Sector Insurance Brokers LLC

Coverages CGL, Excess Liab, Products Liab, Property, Umbrella Carrier Status Non-admitted States Most States

Continental Underwriters Inc.

Coverages Business Income, Business Interruption, Cargo, Crime, Equipment Breakdown, Excess Liab, GL, Liability, Property, Theft, Umbrella, Wind, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Cowbell Cyber

Coverages Breach of Security, Business Income, Business Interruption, Cyber Liab Carrier Status Admitted States All States except AK, HI, VT

Euclid Life Science Specialty LLC

Coverages Commercial Excess, Completed Operations Liab, E&O, Excess Liab, GL, Liability, Products Liab, Professional Liab Carrier Status Non-admitted States All States Coverages GL, Liability 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

JM Wilson

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

MexiPass International Insurance Services LLC

Coverages Int’l Coverage - Commercial, Int’l Coverage Personal States All States

Monarch E&S Insurance Services

Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States CA Coverages Abuse & Molestation Carrier Status Admitted States All States

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

Markel Personal Lines

Coverages Boats, Commercial Marine, Hull, Pollution Liab, Watercraft Liab Carrier Status Admitted States All States

McGowan Allied Specialty Insurance

Coverages Auto Comm-Standard, CGL, Crime, Equipment Breakdown, Excess Liab, Hired & Non-owned Auto, Inland Marine, Marina Operators Legal, Property, Workers’ Comp Carrier Status Admitted States All States

Mexico Insurance Online

Coverages Boats, Int’l Coverage - Personal, Watercraft Liab States All States

The American Equity Underwriters Inc.

Coverages MEL, USL&H, Workers’ Comp States All States

The Hanover Insurance Group

Ironwood Brokers & Insurance Marketing

Joseph Chiarello & Co., Inc.; Firearms Business Insurance

Specialty Wholesale Ins. Solution (SWIS), a Div of SPG

Coverages Blanket Addt’l Insureds, CGL, Commercial Excess, Cyber Liability, Products Liab, Property Carrier Status Non-admitted States All States

Coverages E&O, Professional Liab Carrier Status Admitted States All States

Long Term Care Facilities Coverages Abusive Acts, GL, Professional Liab, Workers’ Comp Carrier Status Admitted States All States

Coverages Cargo, Inland Marine Carrier Status Admitted States All States Coverages Product Extended Warranty, Service Contracts, Warranties, Extended Carrier Status Admitted States All States

Coverages Workers’ Comp Carrier Status Admitted States AZ, CA, CT, GA, IA, IL, NC, NE, NJ, NY, PA, SC

Number One Insurance Agency

Amwins - 150+ Locations Worldwide

Parcel Insurance Plan

Personal Safeguards Group LLC

Coverages Builders Risk, Business Income, Cargo, Crime, Cyber Liab, D&O, E&O, EPLI, Equipment Breakdown, Excess Liab, Flood, Foreign GL, GL, Hired & Non-owned Auto, Inland Marine, Pollution Liab, Products Liab, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Non-admitted States All States except AK, HI, NY

Coverages GL, Liquor Liab, Property, Vacant Building Carrier Status Admitted States MA

Coverages Blanket Addt’l Insureds, Completed Operations Liab, Equipment, Foreign GL, Inland Marine, Liability, Motor Truck Cargo, Pollution, Product Extended Warranty, Products Liab Carrier Status Admitted, Non-admitted States AZ, CA, NV, TX

Coverages GL, Property Carrier Status Non-admitted States All States

Coverages Auto Comm-Standard, CGL, Crime, D&O, Environmental Liab, EPLI, Equipment, Fine Arts, GKLL, GL, Hull, Legal Liab, Liability, Liquor Liab, Marina Operators Legal, Physical Damage, Piers & Docks, Pollution Liab, Products Liab, Property, Protection & Indemnity (P&I), Watercraft Liab, Workers’ Comp Carrier Status Admitted States All States

Marina/Boat Repair & Service Centers Builders & Tradesmen’s Insurance Services Inc. (BTIS)

Coverages Auto Comm-Standard, GL Carrier Status Admitted States All States except AL, KS, LA, MS, TX, WI

Markel Personal Lines

Coverages Boats, Commercial Marine, Hull, Pollution Liab, Watercraft Liab Carrier Status Admitted States All States

Roush Insurance Services Inc.

Coverages Bailee/Customer Goods, Boiler & Machinery, Business Income, Business Interruption, Care/Custody/ Control, CGL, Commercial Marine, Crime, Cyber Liab, D&O, EPLI, Equipment Breakdown, Excess Liab, Fire, GKLL, GL, Hoist/Haul-out, Hull, Inland Marine, Liability, Lost Key, Marina Operators Legal, Mechanical Breakdown, Physical Damage, Pollution, Property, Protection & Indemnity (P&I), Real & Business Personal Prop, Ship Repairers Legal, Theft, Tools & Equip, Watercraft Liab, Watersports Liab, Wet Marine Carrier Status Non-admitted States IA, IL, IN, OH, WI

DECEMBER 4, 2023 INSURANCE JOURNAL | NATIONAL | 53

2023 Annual Program Directory, Volume II Sun Coast General Insurance Agency

Coverages Boats, Care/Custody/Control, CGL, Commercial Marine, Marina Operators Legal, Piers & Docks, Ship Repairers Legal, Tools & Equip, Uninsured Boaters, Watercraft Liab, Wet Marine Carrier Status Admitted, Non-admitted States AK, AZ, CA, CO, FL, NV, OR, UT, WA

The Hanover Insurance Group

Coverages Auto Comm-Standard, CGL, Crime, D&O, Environmental Liab, EPLI, Equipment, Fine Arts, GKLL, GL, Hull, Legal Liab, Liability, Liquor Liab, Marina Operators Legal, Physical Damage, Piers & Docks, Pollution Liab, Products Liab, Property, Protection & Indemnity (P&I), Workers’ Comp Carrier Status Admitted States All States

Marinas/Boat Dealers Mexico Insurance Online

Coverages Boats, Int’l Coverage - Personal, Watercraft Liab States All States

Sun Coast General Insurance Agency

Coverages Boats, Cargo, CGL, Commercial Marine, Hull, Physical Damage Rental Units, Piers & Docks, Ship Repairers Legal, Uninsured Boaters, Watercraft Liab, Wet Marine Carrier Status Admitted, Non-admitted States AK, AZ, CA, CO, FL, NV, OR, UT, WA

The Hanover Insurance Group

Euclid Life Science Specialty LLC

Coverages Commercial Excess, Completed Operations Liab, E&O, Excess Liab, GL, Liability, Products Liab, Professional Liab Carrier Status Non-admitted States All States

Professional Program Ins. Brokerage, a Div of SPG Ins.

Coverages Blanket Addt’l Insureds, CGL, Cyber Liab, Products Liab, Property Carrier Status Non-admitted States All States

Quaker Special Risk, a Jencap Company (Florida) Coverages CGL, GL, Liability, Umbrella Carrier Status Non-admitted States Most States

Quaker Special Risk, a Jencap Company (Mass.) Coverages CGL, GL, Liability, Umbrella Carrier Status Non-admitted States Most States

Quaker Special Risk, a Jencap Company (New Jersey) Coverages CGL, GL, Liability, Umbrella Carrier Status Non-admitted States Most States

Ryan Specialty National Programs

Coverages Auto Comm-Standard Liability, Auto CommStandard Phys Dmg, Business Income, Business Interruption, CGL, Completed Operations Liab, Contractors Equip, E&O, Equipment Breakdown, Excess Auto, Excess Damage, Excess Liab, Hired & Non-owned Auto, Inland Marine, Medical Professional, Products Liab, Property, Theft, Umbrella Carrier Status Admitted States All States

Coverages Auto Comm-Standard, CGL, Crime, D&O, Environmental Liab, EPLI, Equipment, Fine Arts, GKLL, GL, Hull, Legal Liab, Liability, Liquor Liab, Marina Operators Legal, Physical Damage, Piers & Docks, Pollution Liab, Products Liab, Property, Protection & Indemnity (P&I), Workers’ Comp Carrier Status Admitted States All States

Pro-Praxis Insurance

Martial Arts Facilities

Coverages CGL, GL, Liability, Professional Liab, Umbrella Carrier Status Non-admitted States Most States

K&K Insurance Group Inc.

Coverages Abuse & Molestation, CGL, Equipment, Inland Marine, Medical Payments, Participant Accident Carrier Status Admitted States All States

Markel

Philadelphia Insurance Companies

Coverages Abuse & Molestation, Commercial Auto - Standard, Boiler & Machinery, Business Income & Interruption, CGL, Crime, D&O, Employee Benefits, EPLI, Equip. Breakdown, Fire Legal Liab, GL, HNOA, Identity Theft, Inland Marine, Participant Accident, Professional Liab, Property, Real & Business Personal Prop, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA

Sports & Fitness Insurance Corporation (SFIC) Coverages Accident & Health, Accidental Death, Auto Comm-Standard, Builders Risk, Business Income, Business Interruption, CGL, Crime, Earthquake, Employee Benefits, EPLI, Flood, GL, Glass, Liability, Medical, Professional Liab, Property Carrier Status Admitted States All States

Sports & Wellness Insurance

Coverages Accident & Health, Crime, Cyber Liab, D&O, GL, Hired & Non-owned Auto, Inland Marine, Property, Umbrella Carrier Status Admitted States All States

Medical & Physical Rehab Facilities Amalgamated Insurance Underwriters

Coverages Assault & Battery, Crime, Earthquake, Equipment Breakdown, Flood, Property Carrier Status Non-admitted States All States except CO, FL, HI, LA, NY, TX

Amwins - 150+ Locations Worldwide

Coverages Business Interruption, Employee Benefits, Fidelity Bonds, GL, Professional Liab, Property, Workers’ Comp Carrier Status Non-admitted States All States

Breckenridge Insurance

Coverages Auto Comm-Standard, Crime, Cyber Liab, D&O, GL, Inland Marine, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States except AK, HI, NY

Pro-Praxis Insurance

Coverages E&O, Professional Liab Carrier Status Admitted States All States

Quaker Special Risk, a Jencap Company (New Jersey)

Coverages Abuse & Molestation, CGL, GL, Hired & Non-owned Auto, Liability, Professional Liab, Umbrella Carrier Status Non-admitted States Most States

Medical Device/Instrument Mfr. Amwins - 150+ Locations Worldwide

Coverages Crime, D&O, EPLI, Excess Liab, Fidelity Bonds, GL, Hired & Non-owned Auto, Professional Liab, Property, Workers’ Comp Carrier Status Admitted States All States

Medical Imaging Centers Coverages E&O, Professional Liab Carrier Status Admitted States All States

Irwin Siegel Agency

Coverages Abuse & Molestation, Addiction Treatment, Commercial Auto - Standard, 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 Liability Carrier Status Non-admitted States All States

Philadelphia Insurance Companies

Coverages Abuse & Molestation, Addiction Treatment, Commercial Auto - Standard, 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

Metalworking Companies Amwins - 150+ Locations Worldwide

Coverages Auto Comm-Standard, Crime, Equipment Breakdown, GL, Inland Marine, Property, Stop-Gap, Umbrella, Workers’ Comp Carrier Status Admitted States All States

Quaker Special Risk, a Jencap Company (New Jersey)

Izzo Insurance Services, A division of Hull & Company LLC

Medical Professionals

Arrowhead General Insurance Agency Inc.

Access E&S Insurance Services

Coverages Excess Liability, Professional Liability Carrier Status Non-admitted States AR, DC, DE, GA, IL, MD, NC, NJ, NY, OH, PA, SC, TN, TX, VA

NeitClem Wholesale Insurance Brokerage Inc.

Coverages D&O, E&O, Liability, Medical Malpractice, Professional Liab Carrier Status Admitted, Non-admitted States AZ, CA, NV, TX

TDC Specialty Underwriters

Coverages Liability, Medical Malpractice, Professional Liab Carrier Status Admitted, Non-admitted States All States except KS, NH, NY

The McGowan Companies

Coverages Misc Professional Liability, Professional Liability Carrier Status Admitted, Non-admitted States All States

Wedding Protector Plan

Coverages BOP, Builders Risk, Business Income, CGL, Cyber Liab, E&O, EPLI, GL, Liability, Medical Malpractice, Medical Professional, Misc Professional Liab, Professional Liab, Property, Workers’ Comp Carrier Status Admitted States FL

Medical Spas

Coverages Blanket Waivers, Workers’ Comp States All States

Mobile Home Parks (Commercial) 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 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 Jencap Specialty Insurance Services - Buffalo

Coverages Blanket Forced Placed, Collateral Protection, Difference in Conditions, Excess Flood, Force Place Fire Coverage, Foreclosed Properties, Mortgage Impairment, Mortgage REO Coverage Carrier Status Non-admitted States All States except AK, HI

Marine Agency Corporation

Proctor Loan Protector

Pro-Praxis Insurance

Ryan Specialty National Programs

Professional Program Ins. Brokerage, a Div of SPG Ins.

Wilkoff Bonds

Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, BOP, Business Interruption, CGL, GL, Hired & Non-owned Auto, Liability, Professional Liab, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except AK, HI Coverages E&O, Professional Liab Carrier Status Admitted States All States Coverages Abuse & Molestation, CGL, Commercial Excess, Cyber Liab, Equipment Breakdown, Products Liab, Professional Liab, Property Carrier Status Non-admitted States All States

Mental Health Care Facilities Addiction Treatment Providers Insurance Program

Coverages Abuse & Molestation, Addiction Treatment, Auto Comm-Standard, Business Income, Business Interruption, Community/Social Svcs, Cyber Liab, D&O, E&O, EPLI, Hired & Non-owned Auto, Identity Theft, Liability, Medical Malpractice, Mental Health Care, Nonprofit D&O, Professional Liab, Property, Sexual Misconduct, Umbrella, Workers’ Comp Carrier Status Non-admitted States All States

Amwins - 150+ Locations Worldwide

Coverages Business Interruption, Employee Benefits, Fidelity Bonds, GL, Professional Liab, Property, Workers’ Comp Carrier Status Non-admitted States All States

54 | INSURANCE JOURNAL | NATIONAL DECEMBER 4, 2023

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 Coverages Collateral Protection, Force Place Fire Cvrg, GL, Mortgage Impairment, Mortgage REO Cvrg, Property, Vacant Building Carrier Status Non-admitted States All States 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

INSURANCEJOURNAL.COM

2023 Annual Program Directory, Volume II Motion Picture (Film/Video) Producers Alive Risk

Coverages Accident & Health, Accidental Death, Contingent Coverages, Event Cancellation, Excess Liab, GL, Hired & Non-owned Auto, Inland Marine, Liquor Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Philadelphia Insurance Companies

Coverages Commercial Auto - Standard, 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 American Specialty Insurance & Risk Services Inc.

Coverages Auto Comm-Standard, CGL, Crime, Employee Benefits, Excess Liab, Liquor Liab, Participant Accident, Property Carrier Status Admitted States All States

K&K Insurance Group Inc.

Coverages Auto Comm-Standard, CGL, Crime, Disability, EPLI, Inland Marine, Property, Workers’ Comp Carrier Status Admitted States All States

Philadelphia Insurance Companies

Coverages D&O, EPLI Carrier Status Admitted States All States except LA

Motorcycle Dealers K&K Insurance Group Inc.

Coverages Business Income, Crime, Employee Benefits, EPLI, Garage Liability, Inland Marine, Workers’ Comp Carrier Status Admitted States All States

Mexico Insurance Online

Coverages Auto Pers-Nonstandard, Auto Pers-Standard, Emergency Towing & Service, Int’l Coverage - Personal, Liability, Physical Damage States All States

Ryan Specialty National Programs

Coverages Dealers Open Lot, E&O, Garage Liability, GL, Physical Damage, Property Carrier Status Non-admitted States Most States

Movie Theaters American Specialty Insurance & Risk Services Inc.

Coverages Auto Comm-Standard, CGL, Crime, Excess Liab, Inland Marine, Liquor Liab, Property, Workers’ Comp Carrier Status Admitted States All States

K&K Insurance Group Inc.

Coverages Auto Comm-Standard, Boiler & Machinery, CGL, Crime, EPLI, Inland Marine, Property, Workers’ Comp Carrier Status Admitted States All States

Moving & Storage Companies Mover’s Choice

Coverages Auto Comm-Standard Liability, Cargo, Crime, Cyber Liab, Property, Umbrella, Workers’ Comp States All States

The Hanover Insurance Group

Coverages Cargo, Equipment, Liability, Motor Truck Cargo, Property Carrier Status Admitted States All States

Moving Companies Mover’s Choice

Coverages Auto Comm-Standard Liability, Cargo, Crime, Cyber Liab, Property, Umbrella, Workers’ Comp States All States

Prime Insurance Company

Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States All States

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

Wright Specialty Insurance

Coverages Auto Comm-Standard Liability, Auto CommStandard Phys Dmg, Business Income, CGL, Crime, Cyber Liab, EPLI, Equipment, Equipment Breakdown, Excess Liability, 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 D&O, E&O, EPLI, Police Professional Liability Carrier Status Admitted, Non-admitted States All States

INSURANCEJOURNAL.COM

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 Liability, Nonprofit D&O, Professional Liability, 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

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

Builders & Tradesmen’s Insurance Services Inc. (BTIS)

Great American Ins. Group, Specialty Human Svcs

Coverages Commercial Auto - Standard, 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

K&K Insurance Group Inc.

Coverages Auto Comm-Standard, Boiler & Machinery, Business Income, CGL, Crime, EPLI, Inland Marine, Liquor Liab, Property, Workers’ Comp Carrier Status Admitted States All States except FL

Markel

Coverages Accident & Health, Auto Comm-Standard, Completed Operations Liab, Crime, Equipment Breakdown, Fine Arts, GL, Historic Bldgs/Unique Property, Inland Marine, Professional Liability, Property, Umbrella Carrier Status Admitted States All States except DC, HI

Philadelphia Insurance Companies

Coverages Abuse & Molestation, Commercial Auto Standard, 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 Carrier Status Admitted States All 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 Coverages Accident & Health, Accidental Death, Contingent Coverages, Event Cancellation, Excess Liab, GL, HNOA, Inland Marine, Liquor Liab, Workers’ Comp States All States

K&K Insurance Group Inc.

Networking/Telecommunication Co’s Coverages Auto Comm-Standard Liability, Auto CommStandard Phys Dmg, BOP, Liability, Property, Workers’ Comp Carrier Status Admitted States All States

RPS Technology & Cyber

Coverages D&O, EPLI, Workers’ Compensation Carrier Status Admitted, Non-admitted States All States except AK

Care Providers Insurance Services

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 Liability, Property, Umbrella Carrier Status Admitted, Non-admitted States All States except AK, HI, LA

Great American Ins. Group, Specialty Human Svcs Coverages Abuse & Molestation, Auto Comm-Nonstandard, Blanket Addt’l Insureds, Business Income, CGL, Commercial Excess, Community/Social Svcs, Crime, Educator Legal Liab, Employee Benefits, Equipment Breakdown, Excess Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Inland Marine, Misc Professional Liab, Professional Liability, Umbrella Carrier Status Admitted States All States except HI, LA, OK

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

Alive Risk

AMIS/Alliance Marketing & Insurance Services LLC

Professional Governmental Underwriters

Nonprofit Organizations

Affinity Nonprofits

Coverages D&O, EPLI, Fiduciary Liab, Nonprofit D&O Carrier Status Admitted, Non-admitted States All States

Charity First Insurance Services Inc.

Municipalities 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

Coverages Assault & Battery, Excess Liab, Flood, GL, Liquor Liab, Property, Vacant Building Carrier Status Admitted States MA

Berkley Select | a Berkley Company

Coverages Business Interruption, Crime Carrier Status Admitted States All States

Coverages Auto Comm-Standard, CGL, Crime, EPLI, Inland Marine, Property, Workers’ Comp Carrier Status Admitted States All States

Apex Insurance Services

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 Commercial Excess, Umbrella Carrier Status Admitted States All States

The Hanover Insurance Group

Coverages Cargo, Equipment, Liability, Motor Truck Cargo, Property Carrier Status Admitted States All States

Night Clubs NeitClem Wholesale Insurance Brokerage Inc.

Coverages Abuse & Molestation, Accident & Health, Addiction Treatment, Commercial Auto - Standard, 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

Jencap Specialty Insurance Services - Buffalo

Coverages Abuse & Molestation, CGL, Community/Social Svcs, Crime, Cyber Liab, D&O, Developmental Disabilities, E&O, Educator Legal Liab, Fidelity, Fiduciary Liab, Hired & Non-owned Auto, Identity Theft, Kidnap/Ransom, Legal Malpractice, Liquor Liab, Managed Care, Media Liab, Medical & Physical Rehab, Medical Malpractice, Medical Professional, Mental Health Care, Misc Professional Liab, Nonprofit D&O, Professional Liab, Public Officials, Sexual Misconduct, Tenant Discrimination, Umbrella Carrier Status Admitted, Non-admitted States All States except AK, HI, WY

MexiPass International Insurance Services LLC

Coverages Int’l Coverage - Commercial, Int’l Coverage Personal Carrier Status Admitted States All States

DECEMBER 4, 2023 INSURANCE JOURNAL | NATIONAL | 55

2023 Annual Program Directory, Volume II MiniCo Insurance Agency, a Jencap Company

Coverages Abuse & Molestation, Accident & Health, Auto Comm-Standard, Boiler & Machinery, Business Income, Business Interruption, Commercial Excess, Community/ Social Svcs, Crime, D&O, E&O, Earthquake, EPLI, Equipment Breakdown, Hired & Non-owned Auto, Liquor Liab, Medical Malpractice, Medical Payments, Medical Professional, Nonprofit D&O, Property, Sexual Misconduct, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except HI, LA

Nonprofits Insurance Alliance

Coverages Abuse & Molestation, D&O, Fiduciary Liab, GL, Hired & Non-owned Auto, Liability, Physical Damage, Professional Liab, Umbrella Carrier Status Admitted, Non-admitted States Most States

NSM Insurance Group

Coverages Abuse & Molestation, Addiction Treatment, Auto Comm-Standard, Business Income, Business Interruption, Community/Social Svcs, Cyber Liab, D&O, E&O, Earthquake, EPLI, Event Cancellation, GL, Hired & Non-owned Auto, Identity Theft, Liability, Loss of Use, Mental Health Care, Nonprofit D&O, Professional Liab, Property, Sexual Misconduct, Student Accident, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Philadelphia Insurance Companies

Professional Insurance Concepts

Coverages D&O, EPLI Carrier Status Admitted States All States

Sports & Wellness Insurance

Coverages Accident & Health, Crime, Cyber Liab, D&O, GL, Hired & Non-owned Auto, Inland Marine, Property, Umbrella Carrier Status 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 Admitted, Non-admitted States AZ, CA, ID, MT, NM, NV, OR, TX, UT, WA

Victor Insurance Managers LLC

Coverages Crime, D&O, EPLI, Fiduciary Liab, Kidnap/ Ransom, Nonprofit D&O Carrier Status Admitted, Non-admitted States All States

Nurseries / Garden Centers Agricultural Insurance Mgmt Services

Coverages CGL, Contractors Equip, Equipment, Equipment Breakdown, Products Liability, 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

Nutraceutical Manufacturers/ Distributors CRC Insurance Services

Coverages E&O, Excess Liab, GL States All States

Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Commercial Excess, Control of Well, Pollution Carrier Status Non-admitted States AL, AR, CO, ID, IL, KS, KY, LA, MI, MO, MS, ND, OH, OK, TX, UT, WV, WY

Euclid Life Science Specialty LLC

Western Surplus Lines Agency Inc.

Coverages Commercial Excess, Completed Operations Liab, E&O, Excess Liab, GL, Liability, Products Liab, Professional Liab Carrier Status Non-admitted States All States

Professional Program Ins. Brokerage, a Div of SPG Ins.

Coverages Blanket Addt’l Insureds, CGL, Commercial Excess, Cyber Liab, Misc Professional Liab, Products Liab, Property Carrier Status Non-admitted States All States

Quaker Special Risk, a Jencap Company (New Jersey)

Coverages CGL, Commercial Excess, GL, Liability, Products Liab Carrier Status Non-admitted States Most States

Office Building Owners Berkley Luxury Group, a W.R. Berkley Company

Coverages CGL, Cyber Liab, GKLL, Hired & Non-owned Auto, Property Carrier Status Admitted States DC, GA, IL, MA, MD, MI, MN, NJ, NY, PA, VA, WI

Business Alliance Insurance Company

RPS Healthcare

Coverages D&O, EPLI, Excess Liab, GL, Professional Liab, Property Carrier Status Admitted, Non-admitted States All States

Sapphire Blue

Coverages CGL, Professional Liability Carrier Status Non-admitted States All States except KY

ProAlly

Coverages Abuse & Molestation, Medical Malpractice, Medical Professional, Professional Liability Carrier Status Non-admitted States All States

Orchards - Agriculture

Mark D. Fredricksen Insurance Services

Coverages CGL, Contractors Equip, Products Liab, Property Carrier Status Admitted States Most States

Element22 Insurance Services

Coverages Auto Comm-Standard, Equipment, Fire, Herbicide & Pesticide, Property Carrier Status Admitted States All States except DC

FTP of California

TDC Specialty Underwriters

Coverages Builders Risk, Catastrophe, Excess Flood, Fire, Flood, Hurricane, Property, Weather, Wind Carrier Status Non-admitted States All States Coverages CGL, Earthquake, GL, Property, Vacant Building Carrier Status Non-admitted States All States except OK, TX

HabPro Insurance

Coverages Business Income, Equipment Breakdown, Hired & Non-owned Auto, Property Carrier Status Non-admitted States All States except AK, FL, HI, LA

M.J. Hall & Company Insurance Brokers

Coverages BOP, CGL, Excess Liability, Property Carrier Status Admitted, Non-admitted States AK, AZ, CA, CO, HI, ID, KS, MT, NE, NM, NV, OK, OR, SD, TX, UT, WA, WY

MG Skinner & Associates

Coverages Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, E&O, Earthquake, EPLI, Excess Liab, Flood, Misc Professional Liab, Professional Liab, Property, Tenant Discrimination, Umbrella, Wind, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Philadelphia Insurance Companies

Coverages Commercial Auto - Standard, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Employee Benefits, EPLI, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Inland Marine, Property, Real & Business Personal Prop, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA

Preferred Concepts LLC

Coverages Excess Liability, GL, Umbrella Carrier Status Admitted States All States

UCA General Insurance Services Inc.

AAU, A division of USG Insurance Services

Coverages Workers’ Comp Carrier Status Admitted States All States

Coverages Breach of Security, Business Income, Business Interruption, Cyber Liab Carrier Status Admitted, Non-admitted States All States except HI, VT

Coverages Boiler & Machinery, Builders Risk, CGL, GL, Property, Umbrella, Vacant Building Carrier Status Admitted, Non-admitted States All States

Distinguished Programs

CRC Insurance Services

PMC Insurance Group

Optometrist Cowbell Cyber

Agricultural Insurance Mgmt Services

Amwins - 150+ Locations Worldwide

Coverages Excess Liability, GL, Professional Liability, Property, Umbrella Carrier Status Non-admitted States All States except AR, MS, NC, OR, WA

Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Commercial Excess, Completed Operations Liab, Contractors Equip, Control of Well, Employee Benefits, Fire Legal Liab, Hired & Non-owned Auto, Inland Marine, Medical Payments, Misc Professional Liab, Pollution Liab, Products Liab, Professional Liab Carrier Status Non-admitted States TX

Coverages BOP, Equipment Breakdown Carrier Status Admitted States CA

Coverages Abuse & Molestation, GL, Professional Liab, Umbrella Carrier Status Non-admitted States All States

Towerstone Inc.

Oil & Gas Operators Coverages Auto Comm-Standard, Auto Comm-Standard Phys Dmg, Contractors Equip, Environmental Liab, GL, Inland Marine, Motor Truck Cargo, Pollution, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

LIG Marine Managers

Coverages USL&H, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

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

Wilkoff Bonds

Coverages Crime, Fidelity, Fidelity Bonds, Fiduciary Liab Carrier Status Admitted States All States

56 | INSURANCE JOURNAL | NATIONAL DECEMBER 4, 2023

Osteopaths Coverages Liability, Medical Malpractice, Professional Liab Carrier Status Admitted, Non-admitted States All States except KS, NH, NY

Parent Teacher Organizations (PTAs/PTOs) Nonprofits Insurance Alliance

Pest Control Firms Brownyard Group

Coverages Auto Comm-Standard, Blanket Addt’l Insureds, Blanket Waivers, Care/Custody/Control, CGL, Commercial Excess, Completed Operations Liab, Crime, E&O, Environmental Liab, Equipment Breakdown, Fidelity, Fire Legal Liab, GL, Herbicide & Pesticide, Inland Marine, Liability, Lost Key, Medical Payments, Pollution Liab, Products Liab, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except LA

Izzo Insurance Services, A division of Hull & Company LLC Coverages Blanket Waivers, Workers’ Comp Carrier Status Admitted States All States

Markel

Coverages Auto Comm-Standard, Business Income, CGL, Equipment, Equipment Breakdown, Herbicide & Pesticide, Inland Marine, Legal Liability, Livestock / Animal Mortality, Medical Payments, Property, Umbrella Carrier Status Admitted States All States except AL, AK, HI

Philadelphia Insurance Companies

Coverages CGL, GL, Inland Marine, Property, Umbrella Carrier Status Admitted States All States except LA, VT

Ryan Specialty National Programs

Coverages Auto Comm-Nonstandard, Blanket Addt’l Insureds, Blanket Waivers, Care/Custody/Control, Crime, Employee Benefits, Excess Liab, GL, Hired & Non-owned Auto, Inland Marine, Lost Key, Pollution, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Skyward Specialty Insurance

Coverages Auto Comm-Standard, Care/Custody/Control, CGL, Commercial Excess, Completed Operations Liab, Equipment, Equipment Breakdown, Excess Liab, GL, Inland Marine, Liability, Pollution, Property, Tools & Equip, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Specialty Wholesale Ins. Solution (SWIS), a Div of SPG

Coverages GL, Liability, Pollution, Pollution Liab, Property, Umbrella Carrier Status Admitted States All States

INSURANCEJOURNAL.COM

2023 Annual Program Directory, Volume II Petroleum Distributors Midwestern Insurance Alliance LLC

Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All except ND, OH, WA, WY

Philadelphia Insurance Companies

Coverages Auto Comm-Standard, Crime, GL, Property, Umbrella Carrier Status Admitted States All States except LA

Physician Assistants

Professional Employer Organizations (PEO’s) Amwins - 150+ Locations Worldwide

Coverages Cyber Liab, EPLI, Workers’ Comp Carrier Status Admitted States All States

Artex Risk Solutions Inc.

Coverages WC - Master Policies/ASO, Workers’ Comp Carrier Status Admitted States All States

Coverages Abuse & Molestation, Medical Malpractice, Medical Professional, Professional Liability Carrier Status Non-admitted States All States

Physicians

Ryan Specialty National Programs

RPS Healthcare

Coverages D&O, EPLI, Medical Malpractice Carrier Status Admitted, Non-admitted States All States

TDC Specialty Underwriters

Coverages Liability, Medical Malpractice, Professional Liability Carrier Status Admitted, Non-admitted States All States except KS, NH, NY

Piers & Docks Builders & Tradesmen’s Insurance Services Inc. (BTIS) Coverages Excess Liab, GL Carrier Status Admitted States All States except AL, KS, LA, MS, TX, WI

The Hanover Insurance Group

Coverages Auto Comm-Standard, CGL, Crime, D&O, Environmental Liab, EPLI, Equipment, Fine Arts, GKLL, GL, Hull, Legal Liab, Liability, Liquor Liab, Marina Operators Legal, Physical Damage, Piers & Docks, Pollution Liab, Products Liab, Property, Protection & Indemnity (P&I), Watersports Liab, Workers’ Comp Carrier Status Admitted States All States

Pizza Delivery

Amwins - 150+ Locations Worldwide

Coverages Auto Comm-Standard, BOP, Excess Liab, Hired & Non-owned Auto Carrier Status Admitted States All States

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

Coverages CGL, Commercial Excess, Cyber Liability, D&O, E&O, EPLI, Excess Liability, Fidelity, GL, Property, Tenant Discrimination, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States AZ, CA, CO, ID, MD, NE, NM, NV, OR, PA, TN, TX, UT, VA, WA

HabPro Insurance

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

ProAlly

Property Management Firms CID Insurance Programs Inc.

StateFund First, a Div of Arthur J Gallagher Ins Brokers of CA Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States CA

World Wide Specialty, a Div of Philadelphia Ins. Co's

Coverages Business Income, Equipment Breakdown, Hired & Non-owned Auto, Property Carrier Status Non-admitted States All States except AK, FL, HI, LA

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

Preferred Concepts LLC

Coverages CGL, Umbrella Carrier Status Admitted States All States

RealCare Insurance

Coverages E&O, Professional Liab Carrier Status Admitted, Non-admitted States All States

REInsurePro

Coverages Excess Liability, Pollution, Professional Liability Carrier Status Non-admitted States AR, DC, DE, GA, IL, MD, NC, NJ, NY, OH, PA, SC, TN, TX, VA

Coverages Builders Risk, Business Income, CGL, Dwelling Fire, Earthquake, Equipment Breakdown, Flood, GL, Hail, Hurricane, Liability, Property, Real & Business Personal Prop, Rented Property, Residential Property, Tenant Discrimination, Vacant Building Carrier Non-admitted States All States except FL, LA, NY

CID Insurance Programs Inc.

Ryan Specialty National Programs

Professionals/Consultants/Contractors Access E&S Insurance Services

Coverages Cyber Liab, E&O, EPLI, Excess Liab, GL, Hired & Non-owned Auto, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States AZ, CA, CO, ID, MD, NE, NM, NV, OR, PA, TN, TX, UT, VA, WA

Commercial Sector Insurance Brokers LLC

Coverages CGL, Commercial Excess, Completed Operations Liab, E&O, Excess Liab, GL, Liability, Misc Professional Liab, Pollution Liab, Professional Liab, Umbrella Carrier Status Non-admitted States Most States

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

Indemnity Excess & Surplus Agency Inc.

Coverages Dwelling Fire, E&O, Excess Damage, Foreclosed Properties, Liability, Property, Rented Property, Tenant Liab Carrier Status Non-admitted States All States except AK, HI

Norman-Spencer International Inc.

Ian H. Graham Insurance

Coverages Abuse & Molestation, Medical Malpractice, Medical Professional, Professional Liability Carrier Status Non-admitted States All States

Philadelphia Insurance Companies

Indemnity Excess & Surplus Agency Inc.

TDC Specialty Underwriters

Professional Underwriters Agency (PUA)

MG Skinner & Associates

Izzo Insurance Services, A division of Hull & Company LLC Coverages Blanket Waivers, Workers’ Comp Carrier Status Admitted States All States

Podiatric Physicians ProAlly

Coverages Liability, Medical Malpractice, Professional Liab Carrier Status Admitted, Non-admitted States All States except KS, NH, NY

Wedding Protector Plan

Coverages GL, Medical Malpractice, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted States CA, FL, IL, NY, TX

Police/Law Enforcement Officers Professional Governmental Underwriters

Coverages Blanket Wrongful Acts, Police Professional Liab Carrier Status Admitted, Non-admitted States All States

Production Companies Alive Risk

Coverages CGL, EPLI, Excess Liab, Misc Professional Liab, Property Carrier Status Admitted, Non-admitted States AZ, CA, CO, HI, ID, NV, OR, TX, WA Coverages E&O, Professional Liab Carrier Status Admitted States All States except AK, HI Coverages BOP, Identity Theft, Misc Professional Liab Carrier Status Admitted States All States except LA Coverages Pollution, Professional Liability Carrier Status Admitted, Non-admitted States All States

RPS Technology & Cyber

Property Managers Coverages Crime, E&O, EPLI, Fidelity Carrier Status Admitted States All States Coverages E&O, EPLI, Tenant Discrimination Carrier Status Admitted States All States except DC, LA Coverages Apartment House Pkg, Boiler & Machinery, Business Income & Interruption, CGL, Crime, Cyber Liab, Earthquake, EPLI, Excess Liab, Flood, Misc Professional Liab, Professional Liab, Tenant Discrimination, Umbrella, Wind, Workers’ Comp Carrier Admitted, Non-admitted States All States

Preferred Concepts LLC

Coverages CGL, Umbrella Carrier Status Admitted States All States

Professional Insurance Concepts

Sun Coast General Insurance Agency

Coverages E&O, Professional Liab Carrier Status Admitted States All States

Virtue Risk Partners LLC

Coverages E&O, Professional Liab Carrier Status Admitted, Non-admitted States All States

Western Surplus Lines Agency Inc.

Coverages Collateral Protection, Force Place Fire Cvrg, GL, Mortgage Impairment, Mortgage REO Cvrg, Property, Vacant Building Carrier Status Non-admitted States All States

Coverages D&O, E&O, EPLI Carrier Status Admitted, Non-admitted States CA

RealCare Insurance

Coverages Auto Comm-Standard, CGL, Commercial Excess, E&O, Environmental Liability, Workers’ Comp Carrier Status Non-admitted States All States Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Commercial Excess, Hired & Non-owned Auto, Inland Marine, Misc Professional Liability, Pollution Liability Carrier Status Non-admitted States LA, ND, NM, OK, TX

Ryan Specialty National Programs

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, Property, Umbrella Carrier Non-admitted States AR, IL, IN, KS, KY, MO, OK, TN

INSURANCEJOURNAL.COM

DECEMBER 4, 2023 INSURANCE JOURNAL | NATIONAL | 57

2023 Annual Program Directory, Volume II Public Entities Apex Insurance Services

Coverages Auto Comm-Standard Liability, CGL, Difference in Conditions, Equipment Breakdown, Excess Liab, Fidelity Bonds, Inland Marine, Police Professional Liab, Property, Public Officials, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except AK, DC, HI, OR, WA

Gray Specialty

Coverages WC - Buyback Policies, WC - Captive Placement, Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States Most States

Grundy Insurance

Coverages Auto Comm-Standard, CGL, D&O, E&O, EPLI, Equipment Breakdown, Excess Liab, Property, Public Officials Carrier Status Admitted States All States except DC, HI

MAXIMUM

Coverages Boiler & Machinery, Builders Risk, Business Income, Business Interruption, Catastrophe, Earthquake, Equipment, Equipment Breakdown, Excess Flood, Flood, GL, Hurricane, Property, Public Officials, Umbrella Carrier Status Admitted, Non-admitted States All States

Professional Governmental Underwriters

Coverages D&O, E&O, EPLI, Public Officials Carrier Status Admitted, Non-admitted States All States

Public Entities of America (PEA)

Coverages Abuse & Molestation, Commercial Auto - Standard, Boiler & Machinery, Commercial Excess, D&O, E&O, Earthquake, Educator Legal Liab, Employee Benefits, EPLI, Equipment Breakdown, Fine Arts, Flood, GL, Hail, Inland Marine, Liquor Liab, Police Professional Liab, Professional Liability, Property, Public Officials, Workers’ Comp Carrier Status Admitted, Non-admitted States Most 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 Liability, Legal Expense Ins, Media Liability 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 Association Member Benefits Advisors LLC

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 Liability, E&O, EPLI, GL, Workers’ Compensation Carrier Status Non-admitted States AZ, CA, CO, NV, OR, UT, WA

Victor Insurance Managers LLC

Coverages Cyber Liab, E&O, Professional Liab Carrier Status Admitted, Non-admitted States All States

Real Estate Appraisers Association Member Benefits Advisors LLC

Coverages BOP, Cyber Liab, D&O, E&O, Event Cancellation, Fidelity Bonds, Identity Theft, Legal Malpractice, Nonprofit D&O, Professional Liability, Workers’ Compensation Carrier Status Admitted, Non-admitted States All States

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 Liability Carrier Status Non-admitted States All States

Real Estate Developers/Homebuilders Quaker Special Risk, a Jencap Company (Florida)

Coverages Blanket Addt’l Insureds, Blanket Waivers, Builders Risk, CGL, Commercial Excess, Contractors Equip, GL, Liability, Umbrella Carrier Status Non-admitted States Most States

Quaker Special Risk, a Jencap Company (Mass.)

Coverages Blanket Addt’l Insureds, Blanket Waivers, Builders Risk, CGL, Commercial Excess, Contractors Equip, GL, Liability, Umbrella Carrier Status Non-admitted States Most States

Quaker Special Risk, a Jencap Company (New Jersey)

Coverages Blanket Addt’l Insureds, Blanket Waivers, Builders Risk, CGL, Commercial Excess, Contractors Equip, GL, Liability, Umbrella Carrier Status Non-admitted States Most States

REInsurePro

Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Completed Operations Liab, Contractors Equip, Products Liab Carrier Status Non-admitted States IN, MO, OH, PA, TX

Southwest Risk

Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Umbrella Carrier Status Non-admitted States All States

Unitas Financial Services

Coverages Liability, Property, Rented Property, Residential Property Carrier Status Non-admitted States All States except AK, HI, MI

US Assure

Recording Studios Alive Risk

Coverages Accident & Health, Contingent Coverages, Event Cancellation, Excess Liability, GL, Hired & Non-owned Auto, Inland Marine, Liquor Liability, 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 & Non-owned Auto, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States

Recycling Centers Amwins - 150+ Locations Worldwide

Coverages Auto Comm-Standard Liability, Auto CommStandard Phys Dmg, Environmental Liab, GL, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Apollo General Ins. Agency Inc.

Coverages Auto Comm-Standard, Blanket Addt’l Insureds, Blanket Waivers, CGL, Commercial Excess, Contractors Equip, Contractors License Bonds, Environmental Liab, Equipment, Fidelity Bonds, Inland Marine, Performance & Payment Bonds, Pollution, Tools & Equip, Transportation Pollution Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except AK, HI

58 | INSURANCE JOURNAL | NATIONAL DECEMBER 4, 2023

Registered Investment Advisors CalSurance Associates, a Div. of Brown & Brown Program Coverages E&O, Professional Liab Carrier Status Admitted States All States

ProSurance Group, a Div of One80 Intermediaries

Coverages Crime, E&O, Fidelity, Fidelity Bonds, Professional Liab Carrier Status Admitted, Non-admitted States All States

Residential Care Centers Gateway Specialty Insurance

Coverages Abuse & Molestation, Accident & Health, Auto Comm-Standard, Blanket Addt’l Insureds, CGL, Crime, Cyber Liab, D&O, Employee Benefits, EPLI, Equipment Breakdown, Foreign GL, HNOA, Professional Liability, Property Carrier Status Admitted, Non-admitted States All States

Nonprofits Insurance Alliance

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

Residential Subcontractors Builders & Tradesmen’s Insurance Services Inc. (BTIS)

Omaha National

Coverages Workers’ Comp Carrier Status Admitted States AZ, CA, CT, GA, IA, IL, NC, NE, NJ, NY, PA, SC

Quaker Special Risk, a Jencap Company (Florida)

Coverages CGL, Commercial Excess, GL, Liability, Umbrella Carrier Status Non-admitted States Most States

Quaker Special Risk, a Jencap Company (Mass.)

Coverages CGL, Commercial Excess, GL, Liability, Umbrella Carrier Status Non-admitted States Most States

Quaker Special Risk, a Jencap Company (New Jersey)

Coverages CGL, Commercial Excess, GL, Liability, Umbrella Carrier Status Non-admitted States Most States

REInsurePro

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

Breckenridge Insurance

Coverages Auto Comm-Standard, Crime, Cyber Liab, D&O, GL, Inland Marine, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States except AK, HI, NY

Distinguished Programs

Coverages Auto Comm-Standard, CGL, Cyber Liab, GL, Umbrella Carrier Status Admitted, Non-admitted States All States

K&K Insurance Group Inc.

Coverages Auto Comm-Standard, CGL, Crime, EPLI, Inland Marine, Liquor Liability, Property, Workers’ Comp Carrier Status Admitted States All States except FL

INSURANCEJOURNAL.COM

2023 Annual Program Directory, Volume II MexiPass International Insurance Services LLC

StateFund First, a Div of Arthur J Gallagher Ins Brokers of CA

Philadelphia Insurance Companies

Sun Coast General Insurance Agency

Coverages Int’l Coverage - Commercial, Int’l Coverage Personal Carrier Status Admitted States All States Coverages Commercial Auto - Standard, 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

Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States CA Coverages BOP, GL, Liquor Liability, Property Carrier Status Admitted, Non-admitted States CA Coverages GL, Liquor Liability, Property Carrier Status Non-admitted States Most States

K&K Insurance Group Inc.

Coverages Auto Comm-Standard, Boiler & Machinery, CGL, Crime, EPLI, Inland Marine, Liquor Liab, Property, Workers’ Comp Carrier Status Admitted States All States except FL

The McGowan Companies

Coverages Commercial Excess, Umbrella Carrier Status Admitted States All States

Philadelphia Insurance Companies

UCA General Insurance Services Inc.

Coverages Excess Liab, GL, Liquor Liab, Property Carrier Status Non-admitted States Most States

Berkley Luxury Group, a W.R. Berkley Company

Walter General Agency (WGA)

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 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

Coverages BOP, Cyber Liab, EPLI, Equipment Breakdown, Liquor Liab Carrier Status Admitted States CA

Retail Stores

CID Insurance Programs Inc.

Atlas General Insurance Services, An RPS Company

Coverages Assault & Battery, GL, Liquor Liab, Personal Property, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States AZ, CA, CO, ID, MD, NE, NM, NV, OR, PA, TN, TX, UT, VA, WA

Distinguished Programs

Coverages CGL, Crime, Cyber Liab, EPLI, GL, Property, Umbrella Carrier Status Admitted States All States

Element22 Insurance Services

Coverages CGL, Fire, Liability, Liquor Liab, Property, Umbrella, Wind Carrier Status Admitted States All States

Hull & Company

Coverages Assault & Battery, CGL, Property Carrier Status Non-admitted States All States except DC

Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States

Builders & Tradesmen’s Insurance Services Inc. (BTIS)

Coverages BOP, GL, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except AK

Business Alliance Insurance Company

Coverages BOP, Cyber Liab, EPLI, Equipment Breakdown Carrier Status Admitted States CA

Distinguished Programs

Coverages Builders Risk, CGL, GL, Umbrella, Vacant Building Carrier Status Admitted, Non-admitted States All States

Element22 Insurance Services

Ironwood Brokers & Insurance Marketing

Coverages GL, Liability Carrier Status Admitted States Most States

Coverages Boiler & Machinery, Builders Risk, Business Income, Business Interruption, Catastrophe, Equipment Breakdown, Fire, Flood, Hurricane, Property, Weather, Wind Carrier Status Non-admitted States All States

Izzo Insurance Services, A division of Hull & Company LLC

FTP of California

M.J. Hall & Company Insurance Brokers

Ironwood Brokers & Insurance Marketing

Coverages Blanket Waivers, Workers’ Comp Carrier Status Admitted States All States

Coverages Business Income, CGL, Crime, Employee Benefits, EPLI, Equipment Breakdown, Excess Liab, GKLL, Liquor Liab, Property Carrier Status Admitted, Non-admitted States AK, AZ, CA, CO, HI, ID, KS, MT, NE, NM, NV, OK, OR, SD, TX, UT, WA, WY

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 Liability, Food Spoilage, Garage Liability, GKLL, GL, Glass, Hired & Non-owned Auto, Liability, Liquor Liability, Medical Payments, Property, Spoilage, Theft Carrier Status Admitted, Non-admitted States Most States

INSURANCEJOURNAL.COM

RV Parks

TAPCO Underwriters Inc.

Coverages Business Income, CGL, Cyber Liab, EPLI, Equipment Breakdown, Fire Legal Liab, Hired & Non-owned Auto, Liquor Liab, Medical Payments, Property, Umbrella Carrier Status Admitted States AZ, CA, ID, NV, OR, UT, WA

Bass Underwriters

Ryan Specialty National Programs

Coverages CGL, Earthquake, GL, Property Carrier Status Non-admitted States All States except OK, TX

Coverages Commercial Auto - Standard, 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 KF&B Program Managers Insurance Services

Coverages Auto Comm-Standard, Hired & Non-owned Auto, Liability, Physical Damage, Uninsured Motorists Carrier Status Admitted States All States except LA, MA, NJ

Philadelphia Insurance Companies

Coverages Abuse & Molestation, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, CGL, Crime, Employee Benefits, Hired & Non-owned Auto, Inland Marine, Property, Umbrella, Uninsured Motorists Carrier Status Admitted States All except FL, LA, MI, NV, NY

Prime Insurance Company

Wilkoff Bonds

Coverages Contractors License Bonds, Crime, Fidelity, Fidelity Bonds, Performance & Payment Bonds Carrier Status Admitted States All States

Schools-Public/Private AAU, A division of USG Insurance Services

Coverages GL, Liability Carrier Status Admitted States Most 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

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

Personal Safeguards Group LLC

AllComp Solutions

Coverages Product Extended Warranty, Service Contracts, Warranties, Extended Carrier Status Admitted States All States

StateFund First, a Div of Arthur J Gallagher Ins Brokers of CA Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States CA

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

UCA General Insurance Services Inc.

Apex Insurance Services

Roller Skating Rinks

Care Providers Insurance Services

Coverages Business Income, CGL, Cyber Liab, EPLI, Equipment Breakdown, Fire Legal Liability, Hired & Nonowned Auto, Medical Payments, Property, Umbrella Carrier Status Admitted States AZ, CA, ID, NV, OR, UT, WA

K&K Insurance Group Inc.

Coverages Auto Comm-Standard, Boiler & Machinery, Business Income, CGL, Crime, EPLI, Inland Marine, Property, Workers’ Comp Carrier Status Admitted States All States

RV Dealerships Arrowhead General Insurance Agency Inc.

Coverages Business Income, GL, Liability, Physical Damage, Property Carrier Status Admitted States Most States

K&K Insurance Group Inc.

Coverages Auto Comm-Standard, Boiler & Machinery, Business Income, CGL, Crime, Excess Liab, Garage Keepers Legal Liab, Garage Liability, Inland Marine, Property, Workers’ Comp Carrier Status Admitted States All States except FL

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 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 Svcs

DECEMBER 4, 2023 INSURANCE JOURNAL | NATIONAL | 59

2023 Annual Program Directory, Volume II 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 - Standard, 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

Public Entities of America (PEA)

Coverages Abuse & Molestation, Commercial Auto - Standard, Commercial Excess, D&O, E&O, Educator Legal Liab, EPLI, GL, Police Professional Liab, Professional Liab, Property Carrier Status Admitted, Non-admitted States AL, CO, GA, IL, IN, ME, MI, MN, MS, NC, NH, OH, PA, SC, TN, WI

Quantum Specialty Group

Coverages Abusive Acts, Mental Health Care 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

Philadelphia Insurance Companies

Coverages Abuse & Molestation, Assault & Battery, Commercial Auto - Standard, 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

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, Work Comp Carrier Status Admitted, Non-admitted States All States

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

Securities Brokers/Dealers Association Member Benefits Advisors LLC

Coverages BOP, Cyber Liab, D&O, E&O, EPLI, Event Cancellation, Fidelity Bonds, Identity Theft, Misc Professional Liab, Nonprofit D&O, Professional Liability, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

CalSurance Associates, a Div. of Brown & Brown Program Coverages E&O, Professional Liab Carrier Status Admitted States All States

Security Guard Firms AMIS/Alliance Marketing & Insurance Services LLC

Coverages E&O, Liability Carrier Status Non-admitted States All States

Brownyard Group

MiniCo Insurance Agency, a Jencap Company

Coverages Boiler & Machinery, BOP, Business Income, CGL, COC, Crime, Cyber Liab, Earthquake, Employee Benefits, EPLI, Fire, GL, Hired & Non-owned Auto, Legal Liab, Liability, Medical Payments, Personal Liab, Pollution, Products Liab, Property, Theft, Umbrella, Wind, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Ryan Specialty National Programs

Coverages Business Income, Cyber Liab, EPLI, Excess Liab, GL, Pollution Liab, Property Carrier Status Non-admitted States All States Coverages Bailee/Customer Goods, Business Income, CGL, Cyber Liab, Equipment Breakdown, Hired & Non-owned Auto, Inland Marine, Property, Umbrella Carrier Status Admitted States All States

Universal Insurance Programs

Service Stations Lancer Insurance Company

Coverages Garage Keepers Legal Liab, Garage Liability, GKLL Carrier Status Admitted, Non-admitted States CT, NJ, NY

Coverages Cyber Liab, GL, Property States All States

The McGowan Companies

Coverages Commercial Excess, Excess Liab, Umbrella Carrier Status Admitted States All States

UCA General Insurance Services Inc.

Coverages Business Income, CGL, Cyber Liab, EPLI, Equipment Breakdown, Fire Legal Liability, Hired & Non-owned Auto, Medical Payments, Property, Umbrella Carrier Status Admitted States AZ, CA, ID, NV, OR, UT, WA

Shuttle Service-Non Emergency Medical

JM Wilson

Coverages Auto Comm-Nonstandard, Auto CommNonstandard Phys Dmg, Auto Comm-Standard, Auto CommStandard Liability, Auto Comm-Standard Phys Dmg Carrier Status Admitted, Non-admitted States Most States

Prime Insurance Company

Shuttle Services 5Star Specialty Programs

Ship Repairers/Marine Artisan Contractor

National Indemnity Company

Coverages Excess Liab, GL Carrier Status Admitted States All States except AL, KS, LA, MS, TX, WI

LIG Marine Managers

Coverages Care/Custody/Control, CGL, Commercial Marine, Completed Operations Liab, Equipment, Excess Liab, Hull, Legal Liab, Products Liab, Protection & Indemnity (P&I), Ship Repairers Legal, Tools & Equip, Umbrella, USL&H, Workers’ Comp Carrier Status Admitted States All States

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

The American Equity Underwriters Inc.

Coverages MEL, USL&H, Workers’ Comp States All States

Coverages Auto Comm-Standard Liability, Auto CommStandard Phys Dmg, BOP, Liability, Property, Workers’ Comp Carrier Status Admitted States All States

The Hanover Insurance Group

Applied Underwriters Inc.

Coverages GL, Marina Operators Legal, Protection & Indemnity (P&I) Carrier Status Admitted States All States

Ship Yards Hull & Company

Coverages Care/Custody/Control, Ship Repairers Legal Carrier Status Non-admitted States All States except DC

Izzo Insurance Services, A division of Hull & Company LLC

Coverages MEL, USL&H, Workers’ Comp States All States

Coverages Assault & Battery, Equipment, GL, Liability, Professional Liab Carrier Status Admitted, Non-admitted States AZ, CA, NV, TX

Preferred Concepts LLC

Builders & Tradesmen’s Insurance Services Inc. (BTIS)

LIG Marine Managers

NeitClem Wholesale Insurance Brokerage Inc.

Coverages Commercial Auto - Standard, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Earthquake, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liability, Fire Legal Liability, Flood, GL, Identity Theft, Inland Marine, Property, Real & Business Personal Property, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA

Coverages Auto Comm-Nonstandard, Auto CommNonstandard Liability, Auto Comm-Nonstandard Phys Dmg, Commercial Auto - Standard, Excess Liab, GL, Workers’ Comp Carrier Status Admitted States All States

Coverages Assault & Battery, Auto Comm-Standard, Blanket Addt’l Insureds, Business Interruption, Care/Custody/Control, CGL, Commercial Excess, Crime, E&O, Fidelity, GL, Inland Marine, Liability, Lost Key, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except NE Coverages Auto Comm-Standard, Blanket Addt’l Insureds, Crime, E&O, EPLI, Excess Liab, Fidelity Bonds, GL, Performance & Payment Bonds, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Philadelphia Insurance Companies

Promont Insurance Advisors

Coverages Auto Comm-Standard, GL, Workers’ Comp Carrier Status Admitted States All States

Coverages Pollution, Pollution Liability Carrier Status Non-admitted States All States

Coverages Auto Comm-Standard, Blanket Addt’l Insureds, Blanket Waivers, CGL, Environmental Liab, Equipment, Excess Liab, Fidelity Bonds, Inland Marine, Performance & Payment Bonds, Pollution, Tools & Equip, Transportation Pollution Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except AK, HI

Coverages Business Income, Equipment Breakdown, Hired & Non-owned Auto, Property Carrier Status Non-admitted States All States except AK, FL, HI, LA

GMI Insurance Services

Scrap Dealers

Apollo General Ins. Agency Inc.

HabPro Insurance

Coverages CGL, Umbrella Carrier Status Admitted States All States

StorageFirst Self-Storage Business Insurance Program

Coverages Auto Comm-Standard, Environmental Liab, GL, Pollution, Pollution Liab, Umbrella Carrier Status Admitted, Non-admitted States All States except HI, LA, MA

Coverages CGL, Earthquake, GL, Property Carrier Status Non-admitted States All States except OK, TX

Self-Storage Facilities

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

Amwins - 150+ Locations Worldwide

Shopping Centers FTP of California

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. Shooting Ranges Breckenridge Insurance

Coverages Auto Comm-Standard, Crime, Cyber Liab, D&O, GL, Inland Marine, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States except AK, HI, NY

Joseph Chiarello & Co., Inc.; Firearms Business Insurance

Coverages CGL, Crime, Equipment Breakdown, Excess Liab, Firearms Liability, Liquor Liab, Medical Payments, Property, Umbrella Carrier Status Admitted States All States

60 | INSURANCE JOURNAL | NATIONAL DECEMBER 4, 2023

Coverages Auto Comm-Standard Liability, Auto CommStandard Phys Dmg, Compliance Mgmt, Cyber Liab, D&O, Int’l Coverage - Commercial, Pollution, Property, Warranties, Extended, Weather, Workers’ Comp Carrier Status Admitted States All States

Arrowhead General Insurance Agency Inc.

Coverages Auto Comm-Standard, BOP, Crime, Cyber Liab, E&O, EPLI, GL, Inland Marine, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States

Cowbell Cyber

Coverages Breach of Security, Business Income, Business Interruption, Cyber Liab States Most States

Euclid Life Science Specialty LLC

Coverages Commercial Excess, Completed Operations Liab, E&O, Excess Liab, GL, Liability, Products Liab, Professional Liab Carrier Status Non-admitted States All States

J.E. Brown & Associates

Coverages BOP, Earthquake, GL, Inland Marine, Workers’ Comp States AZ, CA, CO, NV, OR, TX, UT, WA

Lancer Insurance Company

Coverages GL, Property Carrier Status Admitted States CT, NJ, NY, OH, PA

INSURANCEJOURNAL.COM

2023 Annual Program Directory, Volume II Markel

Coverages Blanket Addt’l Insureds, BOP, Business Income, Fire, Food Spoilage, Glass, Herbicide & Pesticide, Hired & Non-owned Auto, Liability, Liquor Liab, Property, Rented Property, Spoilage, WC - Master Policies/ASO, Wind, Workers’ Comp Carrier Admitted States All except FL, LA, NY, RI

ProWriters

Coverages BOP, E&O, GL Carrier Status Admitted States Most States

Roush Insurance Services Inc.

Coverages Addt’l Expense, Boiler & Machinery, Builders Risk, Business Income, Business Interruption, CGL, Commercial Excess, Crime, Cyber Liab, D&O, E&O, EPLI, Equipment Breakdown, Excess Liab, Fine Arts, Fire, Food Spoilage, GL, HNOA, Liability, Liquor Liab, Misc Professional Liab, Nonprofit D&O, Pollution Liab, Products Liab, Property, Real & Business Personal Property, 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 Liability, Misc Professional Liab, Products Liability, Professional Liability, Property, Umbrella Carrier Status Admitted States All States

Snowmobile Tours - Guided K&K Insurance Group Inc.

Coverages Auto Comm-Standard, CGL, EPLI, Inland Marine, Property, Workers’ Comp Carrier Status Admitted States All States

Social Clubs Distinguished Programs

Coverages Umbrella Carrier Status Admitted, Non-admitted States All States

Great American Ins. Group, Specialty Human Services

K&K Insurance Group Inc.

Coverages Abuse & Molestation, CGL, Equipment, Inland Marine Carrier Status Admitted States All States

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

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

Coverages Abuse & Molestation, Accident & Health, Addiction Treatment, Commercial Auto - Standard, Boiler & Machinery, BOP, Business Income, CGL, Community/Social Svcs, Crime, Cyber Liab, D&O, Developmental Disabilities, EPLI, Excess Liability, GL, Inland Marine, Managed Care, Professional Liability, Property, Umbrella Carrier Status Admitted, Non-admitted States All States

Jencap Specialty Insurance Services - Buffalo

Coverages Abuse & Molestation, Assault & Battery, Business Income, Business Interruption, Completed Operations Liab, Cyber Liab, D&O, E&O, Employee Benefits, EPLI, Excess Liab, Fiduciary Liab, Fire, GL, Hired & Non-owned Auto, Liability, Mental Health Care, Misc Professional Liab, Products Liab, Professional Liab, Property, Sexual Misconduct, Umbrella Carrier Status Admitted, Non-admitted States All States except AK, HI, WY

MiniCo Insurance Agency, a Jencap Company

Coverages Abuse & Molestation, Addiction Treatment, Auto Comm-Standard, Boiler & Machinery, Business Income, Business Interruption, CGL, Community/Social Svcs, D&O, E&O, EPLI, Fiduciary Liab, Fire Legal Liab, GL, Hired & Nonowned Auto, Inland Marine, Liability, Medical & Physical Rehab, Medical Malpractice, Medical Payments, Products Liab, Professional Liab, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except HI, LA

Negley Associates

Coverages CGL, Professional Liability Carrier Status Non-admitted States All States 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, 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

INSURANCEJOURNAL.COM

American Specialty Insurance & Risk Services Inc.

Coverages Auto Comm-Standard, CGL, Crime, Employee Benefits, Excess Liab, Liquor Liab, Participant Accident, Property Carrier Status 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

DeCotis Specialty Insurance

Coverages GL, Liquor Liab Carrier Status Non-admitted States CT, DE, MA, MD, ME, NH, NJ, RI, VA, VT

Indemnity Excess & Surplus Agency Inc.

Coverages CGL, Liquor Liab Carrier Status Non-admitted States AZ, CA, CO, HI, ID, MT, NV, OR, TX, WA

K&K Insurance Group Inc.

Coverages Auto Comm-Standard, Crime, D&O, Excess Liab, GL, Inland Marine, Property Carrier Status Admitted States All States

NeitClem Wholesale Insurance Brokerage Inc.

RPS Signature Programs

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

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 Liability, D&O, EPLI, Excess Liab, Inland Marine, Nonprofit D&O, Professional Liability, Property, Religious Institutions, Sexual Misconduct, Umbrella Carrier Status Admitted, Non-admitted States AZ, CA, ID, MT, NM, NV, OR, TX, UT, WA

Coverages Excess Liab, Professional Liability Carrier Status Non-admitted States AR, DC, DE, GA, IL, MD, NC, NJ, NY, OH, PA, SC, TN, TX, VA

AMIS/Alliance Marketing & Insurance Services LLC

RPS Technology & Cyber

Coverages GL, Property Carrier Status Admitted, Non-admitted States AZ, CA, NV, TX

Number One Insurance Agency

Coverages GL, Liquor Liab Carrier Status Admitted States MA

Philadelphia Insurance Companies

Public Entities of America (PEA)

Coverages Abuse & Molestation, Assault & Battery, Auto Comm-Nonstandard, Auto Comm-Standard, Business Income, Business Interruption, CGL, Crime, Cyber Liab, Excess Liab, Fire, GL, Glass, Hired & Non-owned Auto, Liability, Liquor Liab, Participant Accident, Physical Damage, Property, Trade Shows & Festivals Carrier Status Admitted States All States

Quantum Specialty Group

Coverages Abusive Acts, Mental Health Care Carrier Status Admitted, Non-admitted States All States

TAPCO Underwriters Inc.

Coverages GL, Liquor Liability, Property Carrier Status Non-admitted States Most States

Software Developers

Coverages Auto Comm-Nonstandard Phys Dmg, Auto CommStandard, BOP, Liability, Property, Workers’ Comp Carrier Status Admitted States All States

Great American Ins. Group, Specialty Human Services

Coverages Accident & Health, Contingent Coverages, Event Cancellation, Excess Liab, GL, Hired & Non-owned Auto, Inland Marine, Liquor Liab Carrier Status Admitted, Non-admitted States All States

Coverages Abuse & Molestation, Commercial Auto - Standard, 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 except LA

Charity First Insurance Services Inc.

Coverages Abuse & Molestation, EPLI, GL, Nonprofit D&O, Professional Liab, Property, Umbrella Carrier Admitted, Non-admitted States All States except AK, HI, LA

Special Events Alive Risk

Coverages GL, Liquor Liab Carrier Status Admitted, Non-admitted States Most States

Nonprofits Insurance Alliance

Access E&S Insurance Services

Gateway Specialty Insurance

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

Gateway Specialty Insurance

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 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

Solar Mfg. and/or Contractors JM Wilson

www.insurancehelper.com

Coverages Abuse & Molestation, Blanket Addt’l Insureds, Blanket Waivers, CGL, Completed Operations Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Liability, Liquor Liab, Medical Payments, Participant Accident, Personal Liability, Products Liability, Trade Shows & Festivals Carrier Status Non-admitted States All States

Substance Abuse Program Administrators Addiction Treatment Providers Insurance Program

Philadelphia Insurance Companies

Coverages CGL, Property Carrier Status Admitted States All States except LA

DECEMBER 4, 2023 INSURANCE JOURNAL | NATIONAL | 61

2023 Annual Program Directory, Volume II Surgery Centers

Taxi Service

Pro-Praxis Insurance

Prime Insurance Company

Coverages E&O, Professional Liab Carrier Status Admitted States All States

Quaker Special Risk, a Jencap Company (Florida) Coverages CGL, Commercial Excess, GL, Liability, Professional Liab Carrier Status Non-admitted States Most States

Quaker Special Risk, a Jencap Company (Mass.) Coverages CGL, Commercial Excess, GL, Liability, Professional Liab Carrier Status Non-admitted States Most States

RPS Healthcare

Coverages D&O, EPLI, Excess Liab, GL, Medical Professional, Professional Liab, Property States All States

Star Mutual RRG

Coverages Auto Comm-Nonstandard, Auto CommNonstandard Liability, Auto Comm-Standard, Auto CommStandard Liability Carrier Status Admitted, Non-admitted States PA

Temporary Medical Staffing PMC Insurance Group

Tanning Salons

Coverages Workers’ Comp Carrier Status Admitted States All States

Insurtec Tanning and Spa Insurance

Pro-Praxis Insurance

Coverages Addt’l Expense, BOP, Business Income, CGL, Crime, EPLI, Equipment Breakdown, Fire Legal Liab, Hired & Non-owned Auto, Professional Liab, Property, Tanning Liab Carrier Status Non-admitted States All States

Professional Program Ins. Brokerage, a Div of SPG Ins.

Coverages Abuse & Molestation, CGL, Cyber Liab, Equipment Breakdown, Products Liab, Professional Liab, Property 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, HNOA, Identity Theft, Liability, Products Liab, Professional Liab, Property, Real & Business Personal Prop, Stop-Gap, Theft, Umbrella Carrier Status Admitted States All States

Tattoo Parlors/Permanent Makeup/Body Piercing Marine Agency Corporation

Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, Business Interruption, CGL, GL, Hired & Non-owned Auto, Liability, Professional Liab, Property, Workers’ Comp Carrier Status Admitted, Nonadmitted States All States except AK, HI

Professional Program Ins. Brokerage, a Div of SPG Ins.

Coverages Abuse & Molestation, CGL, Cyber Liab, Equipment Breakdown, Products Liab, Professional Liab, Property 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 Association Member Benefits Advisors LLC

Coverages BOP, Cyber Liab, D&O, E&O, EPLI, Fidelity Bonds, Identity Theft, Nonprofit D&O, Professional Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Balance Partners - Maven

Coverages CGL, E&O, Excess Liability, Professional Liability Carrier Status Non-admitted States All States

Builders & Tradesmen’s Insurance Services Inc. (BTIS)

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

Staffing Lines

Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States

World Wide Specialty, a Div of Philadelphia Ins. Co's

Coverages 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

Theatre Production Companies Alive Risk

Coverages Accident & Health, Accidental Death, Contingent Coverages, Event Cancellation, Excess Liab, GL, Hired & Non-owned Auto, Inland Marine, Liquor Liab, Workers’ Comp States All States

Great American Ins. Group, Specialty Human Services

Title Agents Professional Insurance Concepts

Coverages E&O, Professional Liab Carrier Status Admitted States All States

Vanguard Specialty

Coverages E&O, Professional Liability Carrier Status Non-admitted States All States

Wilkoff Bonds

Coverages Crime, Fidelity, Fidelity Bonds, Fiduciary Liab Carrier Status Admitted States All States

Tour & Charter Bus Services 5Star Specialty Programs

KF&B Program Managers Insurance Services

Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States

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

NSM Insurance Group

Coverages E&O, Workers’ Comp Carrier Status Admitted States All States

Philadelphia Insurance Companies

PMC Insurance Group

Coverages Workers’ Comp Carrier Status Admitted States All States

RPS Signature Programs

RPS Technology & Cyber

Professional Underwriters Agency (PUA)

Temporary Staffing Firms

Landy Insurance Agency

Coverages E&O, Professional Liab Carrier Status Admitted States All States

World Wide Specialty, a Div of Philadelphia Ins. Co's

Artex Risk Solutions Inc.

Coverages Crime, Cyber Liab, EPLI, GL, Hired & Non-owned Auto, Personal Liab, Property, Umbrella, Workers’ Comp States All States

Norman-Spencer International Inc.

Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States

Coverages Auto Comm-Nonstandard, Auto CommNonstandard Liability, Auto Comm-Nonstandard Phys Dmg, Commercial Auto - Standard, Excess Liab, GL, Workers’ Comp Carrier Status Admitted States All States

Coverages E&O, GL, Workers’ Comp Carrier Status Admitted States All States except AK Coverages BOP, Crime, Cyber Liab, E&O, EPLI, Professional Liab, Workers’ Comp Carrier Status Admitted States All States except AK, LA

Staffing Lines

Ryan Specialty National Programs

Coverages Auto Comm-Standard, Liability Carrier Status Admitted States All States except LA, MA, NJ

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, DC, HI, MA, NY

Lancer Insurance Company

Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg Carrier Status Admitted States CT, NJ, NY, PA

National Indemnity Company

Coverages Auto Comm-Nonstandard, Auto CommNonstandard Phys Dmg, Garage Keepers Legal Liab, Medical Payments, Motor Truck Cargo, Uninsured Motorists Carrier Status Admitted, Non-admitted States All States except HI, MA, NJ, NY

Omaha National

Coverages Workers’ Comp Carrier Status Admitted States AZ, CA, CT, GA, IA, IL, NC, NE, NJ, NY, PA, SC

Prime Insurance Company

Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Dealers Open Lot, Difference in Conditions, Garage Keepers Legal Liab, Garage Liability, GKLL, GL, On-Hook Cargo, Personal Liab, Professional Liab, Property, Rented Property, Wrongful Repo Carrier Status Non-admitted States All States

Coverages E&O, Professional Liab Carrier Status Admitted States All States except AK, HI, LA

62 | INSURANCE JOURNAL | NATIONAL DECEMBER 4, 2023

INSURANCEJOURNAL.COM

2023 Annual Program Directory, Volume II Trade Show Exhibitors K&K Insurance Group Inc.

Coverages CGL, Equipment, Inland Marine Carrier Status Admitted States All States

www.insurancehelper.com

Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Completed Operations Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Liability, Liquor Liab, Medical Payments, Personal Liab, Products Liab, Trade Shows & Festivals Carrier Status Non-admitted States All States

Translators & Interpreters Professional Program Ins. Brokerage, a Div of SPG Ins. Coverages CGL, Cyber Liability, Professional Liability Carrier Status Non-admitted States All States

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

Amwins - 150+ Locations Worldwide

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

McLeckie Insurance Group

MAXIMUM

MexiPass International Insurance Services LLC

Trap & Skeet Shooting Clubs Joseph Chiarello & Co., Inc.; Firearms Business Insurance

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

Travel Agents & Tour Operators

Coverages Cargo, CGL, Property, Truck Auto Liability Carrier Status Admitted States All States

Mexico Insurance Online

PEO Brokers Group

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

Truckers/Trucking Firms 5Star Specialty Programs

Coverages Auto Comm-Standard Liability, Auto CommStandard Phys Dmg, Cargo, Non-Trucking Auto Liab, Occupational Accident, Physical Damage, Workers’ Comp Carrier Status Admitted States All States except AK, HI, MA

Applied Underwriters Inc.

Coverages Auto Comm-Standard Liability, Auto CommStandard Phys Dmg, Workers’ Comp Carrier Status Admitted States All States

Builders & Tradesmen’s Insurance Services Inc. (BTIS)

Coverages GL, Workers’ Comp States All States except AK, DC, HI, NY

DeCotis Specialty Insurance

Coverages Blanket Addt’l Insureds, Cargo, GL, Motor Truck Cargo, Physical Damage Carrier Status Non-admitted States CT, DC, DE, MA, MD, ME, NH, NJ, PA, RI, VA, VT

Freberg Environmental Inc.

Coverages Auto Comm-Nonstandard, Auto CommNonstandard Phys Dmg, CGL, GL, Hired & Non-owned Auto, Pollution, Pollution Liab, Transportation Pollution Liab, Uninsured Motorists Carrier Status Admitted States All States except AK, FL, MA, NJ, NY

GMI Insurance Services

Coverages Auto Comm-Nonstandard Phys Dmg, Auto CommStandard Phys Dmg, Cargo, CGL, GL, Long Haul, Motor Truck Cargo, Theft, Workers’ Comp Carrier Status Non-admitted States All States except DC, MA, NY

Interline Insurance Services

Coverages Auto Comm-Standard Phys Dmg, Cargo, Truck Auto Liab Carrier Status Admitted States AZ, CA, NV

International Transportation & Marine Agency Inc.

Coverages Cargo, GL, Physical Damage Carrier Status Admitted, Non-admitted States All States

Ironwood Brokers & Insurance Marketing

Coverages GL, Liability, Workers’ Comp States Most States

JM Wilson

Coverages Cargo, Excess Liab, GL, Hired & Non-owned Auto, Inland Marine, Long Haul, Physical Damage, Pollution Liab, Umbrella Carrier Status Admitted States Most States

Lancer Insurance Company

Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg Carrier Status Admitted States CT, NJ, NY, PA

INSURANCEJOURNAL.COM

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

Coverages Foreign GL, Int’l Coverage - Commercial, Int’l Coverage - Personal Carrier Status Admitted, Non-admitted States All States

Coverages Int’l Coverage - Commercial, Int’l Coverage Personal States All States

Coverages Auto Comm-Standard, Boiler & Machinery, Business Income, CGL, Equipment Breakdown, Firearms Liability, Liquor Liab, Property Carrier Status Admitted States All States

Walter General Agency (WGA)

Coverages WC - Master Policies/ASO, Workers’ Comp, Workers’ Comp Plus (Alternative) States All States

Quantum Specialty Group

Coverages Excess Auto, Excess Liability Carrier Status Admitted, Non-admitted States All States

RLI

Coverages Auto Comm-Standard Physical Damagr, Cargo, GL, Truck Auto Liability Carrier Status Admitted States All States except DC

Star Mutual RRG

Coverages Auto Comm-Nonstandard, Auto CommNonstandard Liability, Auto Comm-Standard, Auto CommStandard Liability Carrier Status Admitted, Non-admitted States AZ, CA, DE, IA, IL, KS, MO, NC, NJ, OH, PA, SC, TN

StateFund First, a Div of Arthur J Gallagher Ins Brokers of CA Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States CA

Utilities-Natural Gas Companies Coverages Auto Comm-Standard, Boiler & Machinery, GL, Inland Marine, Property, Public Officials, Railroad Protective Liab, Umbrella Carrier Status Admitted States All States

Valet Parking Companies Coverages Garage Keepers Legal Liab, Legal Liab Carrier Status Non-admitted States All States

Vendor Management Services

Proctor Loan Protector

World Wide Specialty, a Div of Philadelphia Ins. Co's

Vineyards Agricultural Insurance Mgmt Services

Coverages CGL, Products Liability, Property Carrier Status Admitted States Most States

XPT Specialty

Coverages CGL, Herbicide & Pesticide, High Valued Homes, Inland Marine, Personal Liab, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States

Union General Insurance Services Inc.

Coverages Blanket Addt’l Insureds, CGL, GL, Long Haul Carrier Status Admitted States AZ, CA, ID, MT, NM, NV, OR, TX, UT, WA

Used Car Dealers AAU, A division of USG Insurance Services

Coverages Auto Comm-Standard Phys Dmg, CGL, Dealers Open Lot, Garage Keepers Legal Liab, Garage Liability, GKLL, Motor Truck Cargo, Umbrella Carrier Status Admitted, Non-admitted States All States

Amwins - 150+ Locations Worldwide

Coverages Crime, Cyber Liab, Dealers Open Lot, Garage Liability, Pollution, Property States All States except MA, NY

DMI Insurance Services

Coverages Dealers Open Lot, E&O, Garage Keepers Legal Liab, Garage Liability, Physical Damage, Property, Uninsured Motorists Carrier Status Admitted States Most States

GMI Insurance Services

Coverages Auto Comm-Standard, Garage Liability, GL, Workers’ Comp Carrier Status Admitted States All States except MA, NY

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.

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, DC, HI, MA, NY

M.J. Hall & Company Insurance Brokers

Coverages Business Interruption, Commercial Excess, Dealers Open Lot, Excess Liab, Fire, Garage Liability, GKLL, Medical Payments, Property, Real & Business Personal Prop Carrier Status Non-admitted States AK, AZ, CA, CO, ID, KS, MT, NE, NM, NV, OK, OR, SD, TX, UT, WA, WY

National Indemnity Company

Coverages Dealers Open Lot, Garage Keepers Legal Liab, Garage Liability, GKLL, Medical Payments, Uninsured Motorists Carrier Status Admitted, Non-admitted States All States except HI, MA, NJ, NY

Union General Insurance Services Inc.

• 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

DECEMBER 4, 2023 INSURANCE JOURNAL | NATIONAL | 63

2023 Annual Program Directory, Volume II Vitamin/Health Food Suppliers CRC Insurance Services

Coverages CGL, EPLI, Products Liability Carrier Status Non-admitted States All States

Euclid Life Science Specialty LLC

Coverages Commercial Excess, Completed Operations Liab, E&O, Excess Liab, GL, Liability, Products Liab, Professional Liab Carrier Status Non-admitted States All States

NeitClem Wholesale Insurance Brokerage Inc.

Coverages Completed Operations Liab, Foreign GL, GL, Liability, Product Extended Warranty, Products Liability Carrier Status Admitted, Non-admitted States AZ, CA, NV, TX

Professional Program Ins. Brokerage, a Div of SPG Ins.

Jencap Specialty Insurance Services (Environmental) Coverages Pollution, Pollution Liability 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

Public Entities of America (PEA)

Coverages Commercial Auto - Standard, Commercial Excess, GL, Professional Liab, Property Carrier Status Admitted, Non-admitted States Most States

US Assure

Coverages Builders Risk, COC, Earthquake, Fire, Flood, Hail, Hurricane, Installation Floaters, Theft, Weather, Wind Carrier Status Admitted States All States

Coverages Cyber Liab, GL, Products Liab, Property Carrier Status Non-admitted States All States

Weddings

Quaker Special Risk, a Jencap Company (Mass.)

K&K Insurance Group Inc.

Quaker Special Risk, a Jencap Company (New Jersey)

Markel Personal Lines

Coverages CGL, Commercial Excess, GL, Liability, Products Liab Carrier Status Non-admitted States Most States Coverages CGL, Commercial Excess, GL, Liability, Products Liab Carrier Status Non-admitted States Most States

Warehouse Operators Element22 Insurance Services

Coverages CGL, Inland Marine Carrier Status Admitted States All States 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

Coverages Business Income, Business Interruption, Excess Flood, Flood, Hail, Hurricane, Property, Weather, Wind Carrier Status Non-admitted States AL, FL, GA, LA, MS, NC, SC, TX, VA

Wedding Protector Plan

Gorst & Compass Insurance

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

Coverages BOP, Business Income Carrier Status Non-admitted States CA

Waste Haulers Amwins - 150+ Locations Worldwide

Coverages Auto Comm-Standard, Environmental Liab, GL, Pollution, Umbrella States All 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

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 Insurance Services

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 except DC, HI

Quaker Special Risk, a Jencap Company (Florida)

Coverages Hull, Watercraft Liab Carrier Status Non-admitted States All States

Quaker Special Risk, a Jencap Company (New Jersey) Coverages Hull, Protection & Indemnity (P&I), USL&H Carrier Status Non-admitted States Most States

Sun Coast General Insurance Agency

Coverages Boats, Commercial Marine, Hull, Liability, Piers & Docks, Ship Repairers Legal, Uninsured Boaters, Watercraft Liab, Wet Marine Carrier Status Admitted, Non-admitted States AK, AZ, CA, FL, NV, OR, UT, WA

Youth Sports Associations Affinity Nonprofits

Coverages D&O, EPLI, Fiduciary Liab, Nonprofit D&O Carrier Status Admitted States All States

Alive Risk

Builders & Tradesmen’s Insurance Services Inc. (BTIS)

Wildlife Control Brownyard Group

Coverages Auto Comm-Standard, Blanket Addt’l Insureds, Blanket Waivers, Care/Custody/Control, CGL, Commercial Excess, Completed Operations Liab, Crime, E&O, Environmental Liab, Equipment Breakdown, Fidelity, Fire Legal Liab, GL, Herbicide & Pesticide, Inland Marine, Liability, Lost Key, Pollution Liab, Products Liab, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except LA

Wood Workers Continental Underwriters Inc.

Midwestern Insurance Alliance LLC

Coverages Auto Comm-Standard, GL, Inland Marine, Property, Umbrella Carrier Status Admitted States All States except AR, CO, LA, OR, SC

Coverages Hull, Liability, Medical Payments, Pollution Liab, Uninsured Boaters, Watercraft Liab Carrier Status Admitted States All States

www.insurancehelper.com

Water Well Drilling Operation Co’s Amwins - 150+ Locations Worldwide

Markel Personal Lines

Coverages Accident & Health, Excess Liab, GL, Inland Marine, Prize Indemnification Carrier Status Admitted, Non-admitted States All States

Alive Risk

Coverages Accident & Health, Excess Liab, GL, Hired & Non-owned Auto, Inland Marine, Liquor Liab, Property Carrier Status Non-admitted States All States

Coverages Hull, Protection & Indemnity (P&I) Carrier Status Admitted, Non-admitted States Most States

Coverages Event Cancellation, GL, Liability, Liquor Liability Carrier Status Admitted States All States except AK, HI, LA

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 Coverage Personal, Personal Liab, Property, Stop-Gap, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Water Parks

Yachts/Mega Yachts Bass Underwriters

Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States AL, AR, AZ, CO, GA, IA, IL, KS, KY, MO, NC, NE, NM, NV, PA, SC, TN, TX, UT, VA

Omaha National

Coverages Workers’ Comp Carrier Status Admitted States AZ, CA, CT, GA, IA, IL, NC, NE, NJ, NY, PA, SC

Wrecking Contractors Apollo General Ins. Agency Inc.

Coverages Auto Comm-Standard, Blanket Addt’l Insureds, Blanket Waivers, CGL, Contractors Equip, Employee Benefits, Environmental Liab, EPLI, Equipment, Excess Liab, Fidelity, Fidelity Bonds, Inland Marine, Performance & Payment Bonds, Pollution, Property, Railroad Protective Liab, Real & Business Personal Prop, Stop-Gap, Tools & Equip, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Yacht Clubs

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

K&K Insurance Group Inc.

Coverages Abuse & Molestation, CGL, Crime, D&O, Equipment, Inland Marine, Participant Accident, Property, Workers’ Comp Carrier Status Admitted States All States

NSM Insurance Group

Coverages Abuse & Molestation, Accident & Health, Accident & Sickness, Accidental Death, Assault & Battery, Commercial Auto - Standard, Blanket Addt’l Insureds, BOP, Business Income, Business Interruption, Care/Custody/Control, CGL, Equipment, Equipment Breakdown, GL, Inland Marine, Liability, Liquor Liability, Participant Accident, Pool & Spa Liability, Professional Liability, Property, Umbrella Carrier Status Admitted, Non-admitted States All States

Philadelphia Insurance Companies

Coverages Abuse & Molestation, Commercial Auto - Standard, 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 Accident & Health, Crime, Cyber Liab, D&O, GL, Hired & Non-owned Auto, Inland Marine, Property, Umbrella Carrier Status Admitted States All States

The McGowan Companies

Coverages Event Cancellation, Liability Carrier Status Admitted States All States

www.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 Liability, Products Liability, Sexual Misconduct, Trade Shows & Festivals Carrier Status Non-admitted States All States

Markel Personal Lines

Coverages Boats, Commercial Marine, Hull, Pollution Liab, Watercraft Liab Carrier Status Admitted States All States

The Hanover Insurance Group

Coverages Auto Comm-Standard, CGL, Crime, D&O, Environmental Liab, EPLI, Equipment, Fine Arts, GKLL, GL, Hull, Legal Liab, Marina Operators Legal, Physical Damage, Piers & Docks, Pollution Liab, Products Liab, Property, Protection & Indemnity (P&I), Watersports Liab, Workers’ Comp Carrier Status Admitted States All States

64 | INSURANCE JOURNAL | NATIONAL DECEMBER 4, 2023

INSURANCEJOURNAL.COM

2023 Annual Program Directory Volume II – Alphabetical Directory of Markets 5Star Specialty Programs

See Website for Addresses, Headquarters Melbourne, FL 32935 Phone: (877) 247-9772, Fax: (321) 757-6147 marketing@5starsp.com www.5starsp.com

AAU, A division of USG Insurance Services 1000 Town Center Way, Ste. 300 Canonsburg, PA 15317 Phone: (724) 754-9078, Fax: (724) 265-5751 lesselstyn@aauins.com www.aauins.com

ABC Aviation Program

906 South Kirkwood Road, St. Louis, MO 63122 Phone: (314) 471-0777 stephanie_likins@theabcprogram.com www.crcprograms.com/abcprogram.html

Access E&S Insurance Services

2001 N. Lincoln St., Arlington, VA 22207 Phone: (703) 248-2566, Fax: (703) 248-2565 Tim@Access-ES.com www.Access-ES.com

Addiction Treatment Providers Insurance Program 555 E. North Lane, Ste. 6060 Conshohocken, PA 19428 Phone: (610) 808-9556 nsmmarketing@nsminc.com atpinsure.com

American Collectors Insurance, Inc.

951 Haddonfield Rd., Ste. 2A, Cherry Hill, NJ 08002 Phone: (888) 314-6647, Fax: (856) 755-7440 info@americancollectors.com americancollectors.com •

American Management Corporation

Ascinsure Specialty Risk

1109 Oak Street, Conway, AR 72032 Phone: (855) 458-2835, Fax: (501) 932-3135 submissions@amcins.com www.amcinsurance.com

American Specialty Insurance & Risk Services, Inc. 7609 W. Jefferson Blvd., Ste. 100 Fort Wayne, IN 46804 Phone: (800) 245-2744, Fax: (260) 969-4729 bschall@americanspecialty.com www.americanspecialty.com

AMIS/Alliance Marketing & Insurance Services, LLC P.O. Box 567, San Marcos, CA 92079 Phone: (760) 471-7116, Fax: (760) 471-9378 snowell@amiscorp.com www.amisinsurance.com

Amwins - 150+ Locations Worldwide

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.

Alive Risk

81 S. 9th St., Ste. 400, Minneapolis, MN 55402 Phone: (612) 284-4264 Contact@aliverisk.com aliverisk.com

AllComp Solutions

555 E. North Lane, Ste. 6060 Conshohocken, PA 19428 Phone: (610) 808-9586, Fax: (610) 941-9889 jagara@nsminc.com allcompsolutions.com

Amalgamated Insurance Underwriters

1 Paragon Dr., Ste. 265, Montvale, NJ 07645 Phone: (845) 426-0400 hello@aiu-usa.com aiu-usa.com INSURANCEJOURNAL.COM

2040 N. Loop 336 W, Ste. 200, Conroe, TX 77304 Phone: (936) 441-5959, Fax: (936) 521-5922 hnelson@ashleyga.com www.ashleyga.com

Anderson & Murison, Inc.

Atlas General Insurance Services, An RPS Company

4050 NW 114th Street, Urbandale, IA 50322 Phone: (866) 486-1946 plsales.service@amba.info www.proliability.com

6165 Greenwich Dr., Ste. 200, San Diego, CA 92122 Phone: (858) 724-5100, Fax: (858) 724-5280 marketing@atlas.us.com atlas.us.com

18545 Sigma Road, San Antonio, TX 78258 Phone: (210) 887-1064 hughes@apexinsurance.com www.apexinsurance.com

Balance Partners - Maven

PO Box 2550, Huntington, NY 11750 Phone: (512) 923-6278 cjacobs@balanceuw.com www.balanceuw.com/maven

Apollo General Ins. Agency, Inc.

P.O. Box 1508, Sonoma, CA 95476 Phone: (800) 624-5829, Fax: (707) 996-7912 victoriam@apgen.com www.apgen.com

Bass Underwriters

Agricultural Insurance Mgmt Svcs.

1496 Route 3A, Ste. 10, Bow, NH 03278 Phone: (877) 552-2467, Fax: (603) 225-9318 jlp@aimscentral.com www.aimscentral.com

Ashley General Agency

Association Member Benefits Advisors, LLC

Apex Insurance Services 2001 K Street, NW, Ste. 625 North Washington, DC 20006 Phone: (800) 432-7465, Fax: (800) 701-1982 info@affinitynonprofits.com www.affinitynonprofits.com

Ascinsure can write your hard-to-place risks in these niche areas: Cranes- Exclusive Program; Equipment Rental & Party Goods Dealers- Exclusive Program; Scaffolding- Exclusive Program; Inland Marine. Complete coverage options, knowledgeable staff, and competitive commissions.

See Website for Locations Headquarters - Charlotte, NC 28210 Phone: (704) 749-2700, Fax: (704) 943-9000 marketing@amwins.com www.amwins.com

800 W. Colorado Blvd., Los Angeles, CA 90041 Phone: (323) 255-2333, Fax: (323) 255-0957 dena.martin@monarchexcess.com www.andersonmurison.com

Affinity Nonprofits

4 Gateway Ctr, 444 Liberty Ave, Ste. 400 Pittsburgh, PA 15222 Phone: (877) 372-0517, Fax: (888) 316-9016 Rikki_Concannon@rpsins.com www.ascinsure.com

Applied Underwriters, Inc.

10805 Old Mill Road, Omaha, NE 68154 Phone: (877) 234-4450, Fax: (877) 234-4452 sales@auw.com auw.com/MoreToLove 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

Artex Risk Solutions, Inc.

6951 W. Sunrise Blvd., Plantation, FL 33313 Phone: (954) 473-4488, Fax: (954) 317-3100 marketing@bassuw.com www.bassuw.com Solutions with Service that Matters. Driven by relationships, at Bass, agents are our priority. “How can we serve you?” is our attitude. We have grown from a vision that our general agents should receive quality relationships along with timely and courteous service.

Beacon Hill Associates

2850 Golf Rd., 5th Fl, Rolling Meadows, IL 60008 Phone: (630) 694-5050 artexinfo@artexrisk.com www.artexrisk.com

P.O. Box 1532, Charlottesville, VA 22902 Phone: (800) 596-2156, Fax: (434) 979-8964 info@b-h-a.com b-h-a.com

Berkley Luxury Group, a W.R. Berkley Company 301 Route 17 N, Ste. 900, Rutherford, NJ 07070 Phone: (800) 504-7012 mail@berkleyluxurygroup.com www.berkleyluxurygroup.com

DECEMBER 4, 2023 NATIONAL | INSURANCE JOURNAL | 65

2023 Annual Program Directory Volume II – Alphabetical Directory of Markets Berkley Select | a Berkley Company

CRC Insurance Services

550 W. Jackson Blvd., Ste. 500, Chicago, IL 60661 Phone: (312) 800-6200, Fax: (312) 207-1839 info@berkleyselect.com www.berkleyselect.com

Breckenridge Insurance

3550 George Busbee Pkwy NW, Ste. 300 Kennesaw, GA 30144 Phone: (855) 728-8822 solved@breckis.com www.breckis.com

See Website for Locations, Birminham, AL 35209 Phone: (205) 870-7790, Fax: (205) 879-3739 marketing@crcins.com www.crcins.com

Commercial Sector Insurance Brokers, LLC

500 Corporate Pkwy, Ste. 200-G, Hoover, AL 35242 Phone: (205) 776-1600, Fax: (205) 776-1619 bbleistine@comsectorins.com www.comsectorins.com

DeCotis Specialty Insurance

245 Waterman St., Ste. 501, Providence, RI 02906 Phone: (401) 351-0066, Fax: (401) 351-0386 tdecotis@decotis.com www.decotis.com

Brownyard Group

21 Maple Ave., P.O. Box 9175, Bay Shore, NY 11706 Phone: (800) 645-5820, Fax: (631) 666-5723 info@brownyard.com www.brownyard.com

Distinguished Programs

Builders & Tradesmen’s Insurance Services, Inc. (BTIS) 6610 Sierra College Blvd., Rocklin, CA 95677 Phone: (877) 649-6682, Fax: (916) 772-9292 info@btisinc.com www.btisinc.com

Business Alliance Insurance Company

400 Oyster Point Blvd., Ste. 327 South San Francisco, CA 94080 Phone: (650) 866-3999, Fax: (650) 866-3996 sbarsotti@ebaic.com www.ebaic.com

CalSurance Associates, a Div. of Brown & Brown Program Ins. Svcs 681 S. Parker St., Ste. 300, Orange, CA 92868 Phone: (800) 745-7189, Fax: (800) 607-6875 info@calsurance.com www.calsurance.com

Care Providers Insurance Services

19111 N. Dallas Pkwy, Ste. 250, Dallas, TX 75287 Phone: (972) 427-4199 nsmmarketing@nsminc.com cpsinsure.com

Community Association Insurance Solutions, LLC 5045 Robert J. Mathews Pwky, Ste. 100 El Dorado Hills, CA 95762 Phone: (888) 833-4158, Fax: (888) 833-4159 marketing@mgalive.com www.caislive.com

Community Association Insurance Solutions (CAIS), is an MGA and Program Administrator specializing in protecting Homeowners' Associations (HOAs), Townhomes, and both residential and commercial Condominiums (Condos) & Planned Unit Developments (PUDs). Our online program includes coverage for both non-payroll accounts and payroll accounts. Coverage for volunteers, board and committee members included.

Construction Insurance Services, LLC

5949 Sherry Ln., Ste. 1460, Dallas, TX 75225 Phone: (214) 884-1800, Fax: (214) 884-1801 kcurley@constructioninsuranceservices.com www.constructioninsuranceservices.com

Continental Underwriters, Inc.

3435-A W. Leigh Street, Richmond, VA 23230 Phone: (804) 643-7800, Fax: (804) 643-5800 info@contund.com www.contund.com

Cooper & McCloskey, Inc.

Charity First Insurance Services, Inc. 595 Market St., Ste. 2100, San Francisco, CA 94105 Phone: (800) 352-2761 Frank_Tarantino@charityfirst.com www.charityfirst.com

ChemPlan - Chemical Insurance

8121 Vicela Dr., Sarasota, FL 34240 Phone: (800) 410-1511, Fax: (941) 379-2668 dhagan@chemplan.net www.chemplan.net

CID Insurance Programs, Inc.

7125 El Cajon Blvd., Ste. 3, San Diego, CA 92115 Phone: (800) 922-7283, Fax: (619) 593-2008 programs@cidinsurance.com www.cidinsurance.com

Coastal Insurance Underwriters, Inc.

P.O. Box 3140, Ponte Vedra Beach, FL 32004 Phone: (904) 285-7683, Fax: (904) 395-0038 info@ciuins.com www.ciuins.com

1981 N. Broadway, Ste. 340 Walnut Creek, CA 94596 Phone: (415) 433-7700, Fax: (415) 433-7707 keltie@cmiprorisk.com www.cmiprorisk.com

Cosmetic Insurance Services, a division of EPIC Brokers

1180 Avenue of the Americas, 16th Fl New York, NY 10036 Phone: (212) 297-3100, Fax: (212) 297-3130 jsafer@distinguished.com www.distinguished.com Distinguished Programs is a leading national insurance Program Manager providing specialized insurance programs to brokers and agents with specific expertise in Real Estate, Community Associations, Hotels, and Restaurants. Through thoughtful innovation, stemming back to 1995, Distinguished Programs fosters growth and opportunities for its brokers, carriers, and employees.

DMI Insurance Services

9020 N Capital of Texas Hwy Ste I-270 Austin, TX 78759 Phone: (408) 465-2302 nmaske@dmi-insurance.com www.dmi-insurance.com

Draftrs, Inc.

3839 McKinney Ave., Ste. 155-5062 Dallas, TX 75204 Phone: (214) 210-3476 support@draftrs.com draftrs.com

Element22 Insurance Services

3000 Gulf to Bay Blvd., Ste. 600 Clearwater, FL 33759 Phone: (877) 591-8283 dapplebaum@element22ins.com www.element22ins.com

Equine Insurance Specialists, LLC

P.O. Box 12440, Lexington, KY 40583 Phone: (800) 723-9414, Fax: (866) 207-6953 info@insureyourhorse.com www.insureyourhorse.com

210 Hudson St., 6th Fl, Jersey City, NJ 07311 Phone: (201) 356-0057, Fax: (201) 356-0055 Kenneth.hegel@epicbrokers.com www.cosmeticinsurance.com For more info, see our ad on page 29 (National).

Euclid Life Science Specialty, LLC

Covenant Underwriters

Flux Insurance Services, LLC

Cowbell Cyber

Frank Winston Crum Insurance

1221 McKinney St., Ste. 3110, Houston, TX 77010 Phone: (346) 330-3777 broker@covenantunderwriters.com www.covenantunderwriters.com 6800 Koll Center Pkwy, Ste. 250 Pleasanton, CA 94566 Phone: (833) 633-8666 agencies@cowbellcyber.ai cowbell.insure

66 | INSURANCE JOURNAL | NATIONAL DECEMBER 4, 2023

234 Spring Lake Drive, Itasca, IL 60143 Phone: (443) 682-0102 RElliott@EuclidLSS.com www.EuclidLSS.com 2280 E. Bidwell St., Ste. 104, 228, Folsom, CA 95630 Phone: (888) 358-9467 cprince@fluxins.com www.fluxins.com 100 S. Missouri Ave., Clearwater, FL 33756 Phone: (866) 218-4219, Fax: (727) 450-7911 wc@fwcrum.com or gl@fwcrum.com www.frankwinstoncrum.com

INSURANCEJOURNAL.COM

2023 Annual Program Directory Volume II – Alphabetical Directory of Markets Freberg Environmental, Inc.

Indemnity Excess & Surplus Agency, Inc.

JC Wilson Consulting, Inc.

FTP of California

Insurtec Tanning and Spa Insurance

Jencap Specialty Insurance Services (Environmental)

Gateway Specialty Insurance

Integrated Underwriters ®

Jencap Specialty Insurance Services - Buffalo

GMI Insurance Services

Interline Insurance Services

Gorst & Compass Insurance

International Transportation & Marine Agency, Inc.

1800 Wazee St., Ste. 300, Denver, CO 80202 Phone: (800) 377-4152, Fax: (303) 623-8101 info@feiinsurance.com www.feiinsurance.com P.O. BOX 120747, San Diego, CA 92112 Phone: (314) 496-7077 lglaser@FTPins.com www.ftpins.com/california 1170 Devon Park Drive, Wayne, PA 19087 Phone: (877) 977-4474, Fax: (610) 254-1855 info@gatewayspecialty.com www.gatewayspecialty.com P.O. Box 701, Valley Forge, PA 19482 Phone: (610) 933-4679, Fax: (610) 933-4993 Mark@GMI-Insurance.com www.GMI-Insurance.com 5850 Canoga Ave., Ste. 650 Woodland Hills, CA 91367 Phone: (818) 507-0900, Fax: (818) 507-1133 mail@gorstcompass.com www.gorstcompass.com

Gray Specialty

3601 N. I-10 Service Road W, Metairie, LA 70002 Phone: (504) 754-6701 rswayze@grayspecialty.com www.grayspecialty.com

1915 NE Stucki Ave., Ste. 450, Hillsboro, OR 97006 Phone: (800) 487-2442, Fax: (503) 526-9700 jimh@ies-xs.com www.ies-xs.com P.O. Box 25, Rich Hill, MO 64479 Phone: (800) 606-0621, Fax: (417) 395-2713 info@insurtecinc.com www.insurtecinc.com

2400 E. Katella Ave., Ste. 800, Anaheim, CA 92806 Phone: (949) 534-9106 nancy.huynh@jencapgroup.com jencapgroup.com/environmental

2260 E. Bidwell St., Ste. 2043, Folsom, CA 95630 Phone: (567) 233-2667 cprince@integrateduw.com www.integrateduw.com

7835 E. Evans Rd., Bldg 300, Scottsdale, AZ 85260 Phone: (480) 556-0200, Fax: (480) 556-0201 info@itmagency.com www.itmagency.com

Ironwood Brokers & Insurance Marketing

28202 Cabot Rd., Ste. 435, Laguna Niguel, CA 92677 Phone: (949) 370-2266, Fax: (949) 487-0640 rcastro@reataholdings.net ironwoodbrokers.com

301 E. 4th St., 23rd Fl, Cincinnati, OH 45202 Phone: (866) 424-4758, Fax: (888) 513-5593 clwood@gaig.com www.SpecialtyHumanServices.com

261 N. University Dr., Ste 510, Plantation, FL 33324 Phone: (954) 331-3000 ddemott@gridironins.com www.gridironins.com

Grundy Insurance

P.O. Box 1957, Horsham, PA 19044 Phone: (877) 338-4004, Fax: (215) 674-5716 clint@grundy.com www.grundy.com/utility

Hull & Company

See Website for Locations Headquarters - Fort Lauderdale, FL Phone: (954) 527-4855, Fax: (866) 449-8449 www.hullco.com

Ian H. Graham Insurance

15303 Ventura Blvd., 12th Fl Sherman Oaks, CA 91403 Phone: (800) 621-2324, Fax: (866) 229-3754 info@ihginsurance.com www.ihginsurance.com INSURANCEJOURNAL.COM

8036 Moorsbridge Rd., Portage, MI 49024 Phone: (800) 282-8113 cbaldwin@jmwilson.com www.jmwilson.com J.M. Wilson is a third generation, family owned MGA and Surplus Lines Broker founded in 1920. We provide independent insurance agents access to ‘A’ rated carriers for Commercial Transportation, Property & Casualty, Brokerage, Marine, Personal Lines and Surety. We know insurance agents have choices and it’s our goal to establish relationships and provide the best possible experience for our agents to place business in the E&S marketplace.

25 DeForest Ave., Ste. 208, Summit, NJ 07901 Phone: (800) 526-2199, Fax: (908) 473-0110 info@jcinsco.com www.guninsurance.com

Irwin Siegel Agency

25 Lake Louise Marie Rd., Rock Hill, NY 12775 Phone: (800) 622-8272, Fax: (845) 796-3661 siegel@siegelagency.com www.siegelagency.com

K&K Insurance Group, Inc.

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.

1712 Magnavox Way, Ft. Wayne, IN 46804 Phone: (800) 637-4757, Fax: (260) 459-5800 kk.general@kandkinsurance.com www.kandkinsurance.com

KBK Insurance Group, Inc.

1425 Sams Ave., Harahan, LA 70123 Phone: (800) 229-5927 brianatkinson@kbkinsgroup.com www.kbkinsgroup.com

Kevin Davis Insurance Services

HabPro Insurance

555 E. North Lane, Ste. 6060 Conshohocken, PA 19428 Phone: (610) 808-9556 nsmmarketing@nsminc.com habproinsurance.com

JM Wilson

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

Greenwood General Insurance Agency

Gridiron Insurance Underwriters, Inc.

295 Main St., Ste. 866, Buffalo, NY 14203 Phone: (800) 333-7226, Fax: (800) 677-6779 info.buffalo@jencapgroup.com www.jencapgroup.com

4 Centerpointe Dr., Ste. 300, La Palma, CA 90623 Phone: (800) 229-8790, Fax: (562) 356-0288 swalker@ameritrustgroup.com www.interlineinsurance.com

Great American Insurance Group, Specialty Human Services

2525 N. Lake Ave., Altadena, CA 91001 Phone: (626) 379-8320 info@gwgeneral.com gwmga.com

9390 W. Maiden Ct, Vero Beach, FL 32963 Phone: (312) 543-9451, Fax: (312) 543-9451 jwilson.frs@gmail.com

Izzo Insurance Services, A division of Hull & Company, LLC 150 S. Bloomingdale Rd., Bloomingdale, IL 60108 Phone: (800) 800-1704, Fax: (630) 582-2803 Info@IzzoInsurance.com www.IzzoInsurance.com

J.E. Brown & Associates

303 Lennon Ln., Walnut Creek, CA 94598 Phone: (800) 955-8213, Fax: (925) 947-3978 marketing@jebrown.net www.jebrown.net

800 W. Sixth St., Ste. 1700, Los Angeles, CA 90017 Phone: (213) 833-6191, Fax: (213) 477-2057 sherry.branson@amwins.com www.kdisonline.com

KF&B Program Managers Insurance Services

425 W. Broadway, Ste. 308, Glendale, CA 91204 Phone: (818) 242-5100, Fax: (818) 242-6800 czallo@kfbins.com www.kfbins.com

Lancer Insurance Company

370 W. Park Ave., Long Beach, NY 11561 Phone: (516) 431-4441 producer@lancerinsurance.com www.lancerinsurance.com

DECEMBER 4, 2023 NATIONAL | INSURANCE JOURNAL | 67

2023 Annual Program Directory Volume II – Alphabetical Directory of Markets Monarch E&S Insurance Services

2550 N Hollywood Way, Ste. 501, Burbank, CA 91505 Phone: (818) 249-0100, Fax: (818) 249-1166 clarac@monarchexcess.com www.monarchexcess.com

Landy Insurance Agency

100 River Ridge Dr., Ste. 301, Norwood, MA 02062 Phone: (800) 336-5422, Fax: (800) 344-5422 stephanie@landy.com www.landy.com

Mover’s Choice

MAXIMUM

Lawyer’s Protector Plan

222 S. Riverside Plaza, Ste. 2340, Chicago, IL 60606 Phone: (312) 559-9348, Fax: (312) 559-0930 joem@maxib.com www.maxib.com

Legacy Employer Concepts, LLC

Practices: Property, Casualty, Transportation, Professional & Specialty. Industry Expertise: Construction, Energy, Gaming, Healthcare, Habitational, Manufacturing, REITS, Real Estate and Vacant Buildings. Brokerage & Underwriting Available.

655 N. Franklin St., Ste. 1900, Tampa, FL 33602 Phone: (800) 336-5529, Fax: (813) 223-9547 lpp@bbprograms.com www.lppinsurance.com 7901 4th St. N, Ste. 300, St. Petersburg, FL 33702 Phone: (813) 460-9166, Fax: (813) 433-2503 brett@legacyemployerconcepts.com www.legacyemployerconcepts.com

LIG Marine Managers

111 2nd Ave. NE, Ste. 1101, St. Petersburg, FL 33701 Phone: (727) 578-2800, Fax: (727) 578-9977 KLT@LIGMarine.com www.LIGMarine.com

Logic Underwriters, Inc.

McLeckie Insurance Group

P.O. Box 770, Naples, TX 75568 Phone: (903) 897-9090, Fax: (760) 462-1696 Bill@mcleckie.com www.mcleckie.com

Meridian Finance Group

P.O. Box 600249, Dallas, TX 75360 Phone: (214) 739-0071, Fax: (214) 739-0072 paul@logicinsurance.com www.logicinsurance.com

11900 W. Olympic Blvd., 8th Fl Los Angeles, CA 90064 Phone: (310) 260-2130, Fax: (310) 260-2140 info@meridianfinance.com www.meridianfinance.com

M.J. Hall & Company Insurance Brokers

Mexico Insurance Online

1550 W. Fremont Street, Stockton, CA 95203 Phone: (209) 948-8108 michael.donahue@mjhall.com www.mjhall.com

For more info, see our ad on page 1 (West).

MacAfee & Edwards, Inc. - Mexican Insurance Specialist

800 S. Figueroa St., Ste. 790, Los Angeles, CA 90017 Phone: (213) 629-9777, Fax: (213) 629-9779 juan@mexicard.com www.macafeeandedwards.com

Marine Agency Corporation

34 W Main St, Ste 201, Somerville, NJ 08876 Phone: (800) 763-4775 cstevens@marineagency.com marineagency.com/brokers

Mark D. Fredricksen Insurance Services 3390 University Ave., Ste. 300, Riverside, CA 92501 Phone: (800) 669-4347, Fax: (951) 742-4860 cindy.melcher@hubinternational.com www.fredricksenins.com

Markel

4600 Cox Rd., Glen Allen, VA 23060 Phone: (800) 431-1270, Fax: (804) 965-1689 eservice@markelcorp.com www.markel.com

214 E. Birch Ave., Flagstaff, AZ 86001 Phone: (928) 433-6728, Fax: (928) 779-7221 denny.lauritsen@mexicoinsuranceonline.com www.mexicoinsuranceonline.com

1850 E. Sky Harbor Cir, Ste. 150 DPT# 15027 Phoenix, AZ 85034 Phone: (636) 893-7101 jbayweber@moxieuw.com moxieuw.com

National Elevator Insurance Solutions / HUB International One Bridge Plaza N, Fort Lee, NJ 07024 Phone: (201) 585-6500, Fax: (201) 585-6590 john.tateossian@hubinternational.com www.elevatorinsurance.com

National Indemnity Company

1314 Douglas, Ste. 1400, Omaha, NE 68102 Phone: (402) 916-3000, Fax: (402) 916-3030 info@nationalindemnity.com www.nationalindemnity.com

NBIS

2859 Paces Ferry Rd. SE, 800 Overlook III Atlanta, GA 30339 Phone: (770) 257-1777, Fax: (770) 257-1500 contactus@nbis.com www.NBIS.com

MG Skinner & Associates

Negley Associates

11030 Santa Monica Blvd., Ste. 207 Los Angeles, CA 90025 Phone: (310) 478-5041, Fax: (310) 479-8707 Rskinner@mgskinner.com www.mgskinner.com

Midwestern Insurance Alliance, LLC

P. O. Box 436909, Louisville, KY 40253 Phone: (619) 450-1739, Fax: (502) 426-7067 tbailey@mwiainsurance.com www.midwesterninsurance.com

389 Interpace Pkwy, 4th Fl, Parsippany, NJ 07054 Phone: (862) 286-3550, Fax: (866) 865-5655 info@jjnegley.com www.jjnegley.com

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

MiniCo Insurance Agency, a Jencap Company 10851 N. Black Canyon Hwy, Ste. 200 Phoenix, AZ 85029 Phone: (800) 528-1056, Fax: (602) 861-1094 info@minico.com www.minico.com

Nonprofits Insurance Alliance

P.O. Box 8507, Santa Cruz, CA 95061 Phone: (831) 459-0461, Fax: (831) 459-0853 brokerservices@insurancefornonprofits.org www.insurancefornonprofits.org

P.O. Box 906, Pewaukee, WI 53072 Phone: (262) 548-9880, Fax: (262) 547-9436 maicmarketing@markelcorp.com www.markelmarine.com 140 Fountain Pkwy N, Ste. 570 St. Petersburg, FL 33716 Phone: (800) 237-3355, Fax: (727) 360-3498 tellmemore@mcgowanallied.com www.mcgowanallied.com

Moxie Underwriters

P.O. Box 60727, Pasadena, CA 91116 Phone: (800) 639-4727, Fax: (800) 639-4329 jorge@mexipass.com www.mexipass.com

MexiPass International Insurance Services, LLC

Markel Personal Lines

McGowan Allied Specialty Insurance

222 Gateway Road W, Napa, CA 94558 Phone: (800) 852-1968, Fax: (707) 252-5905 BrandonL@paulhanson.com www.moverschoiceinfo.com

Mission Underwriting Managers, LLC

34522 N. Scottsdale Rd., Scottsdale, AZ 85266 Phone: (602) 705-1717 info@missionunderwriters.com missionunderwriters.com

68 | INSURANCE JOURNAL | NATIONAL DECEMBER 4, 2023

Nonprofits Insurance Alliance is a group of 501(c)(3) nonprofit, tax-exempt insurers whose purpose is to serve 501(c)(3) tax-exempt nonprofit organizations by providing a stable source of reasonably-priced liability insurance tailored to the specialized needs of the nonprofit sector.

INSURANCEJOURNAL.COM

2023 Annual Program Directory Volume II – Alphabetical Directory of Markets Norman-Spencer Agency, LLC

Parcel Insurance Plan

Norman-Spencer International, Inc.

PartnerOne Environmental

8075 Washington Village Dr., Dayton, OH 45458 Phone: (800) 543-3248, Fax: (937) 432-1635 info@norman-spencer.com www.norman-spencer.com 150 E. 22nd St., Lombard, IL 60148 Phone: (630) 705-4140, Fax: (630) 705-1056 gretchen@normanspencer.com www.normanspencer.com

PO Box 66708, St. Louis, MO 63166 Phone: (800) 325-7390 office@pipinsure.com www.pipinsure.com

Proctor Loan Protector

P.O. Box 1532, Charlottesville, VA 22902 Phone: (800) 596-0172, Fax: (434) 979-8964 p1info@p1enviro.com p1enviro.com

700 Tower Dr., Ste. 400, Troy, MI 48098 Phone: (800) 521-6800, Fax: (248) 269-5605 info@pfic.com www.proctorlp.com

PEO Brokers Group

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.

P.O. Box 720514, Oklahoma City, OK 73172 Phone: (877) 810-9355 swbrown@peobrokersgroup.com www.peobrokersgroup.com

Personal Safeguards Group, LLC

NSM Insurance Group

830 W. Route 22, Ste. 151, Lake Zurich, IL 60047 Phone: (847) 275-8497 mike@personalsafeguards.com personalsafeguardsgroup.com

Professional Governmental Underwriters

4870 Sadler Rd., Ste. 102, Glen Allen, VA 23060 Phone: (800) 586-6502, Fax: (804) 272-7852 glester@pgui.com www.pgui.com

555 E. North Lane, Ste. 6060 Conshohocken, PA 19428 Phone: (808) 305-4605, Fax: (610) 941-9889 nsmmarketing@nsminc.com nsminc.com Forget the hassle of running around to find markets that meet unique client risks — because at NSM Insurance Group, we have a market for that! As a one-stop-shop with 25+ top niche markets, we help agents meet a wide range of client needs quickly and easily.

Number One Insurance Agency

91 Cedar St., Milford, MA 01757 Phone: (508) 634-2900, Fax: (508) 634-2930 numberone@massagent.com www.massagent.com

Professional Insurance Concepts

Philadelphia Insurance Companies 231 Saint Asaphs Rd., 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.

PMC Insurance Group

209 Burlington Rd., Ste. 109, Bedford, MA 01730 Phone: (877) 762-2667 info@pmcinsurance.com www.pmcinsurance.com

Omaha National

PO Box 451139, Omaha, NE 68145 Phone: (844) 761-8400, Fax: (844) 761-8402 sales@omahanational.com www.omahanational.com Omaha National is a premier provider of workers compensation insurance offering coverage for labor intensive risks with competitive rates and commissions. Coverage offered through Omaha National Insurance Company, Palomar Specialty Insurance Company, and/or Preferred Professional Insurance Company.

Oryx Insurance Brokerage, Inc.

2 Court Street, Binghamton, NY 13901 Phone: (607) 724-0173, Fax: (607) 724-7266 marketing@oryxinsurance.com www.oryxinsurance.com

INSURANCEJOURNAL.COM

389 Interpace Pkwy, 4th Fl, Parsippany, NJ 07054 Phone: (862) 286-3470, Fax: (973) 263-0747 DGriffin@ProInsConcepts.com www.ProInsConcepts.com

Preferred Concepts, LLC

14 Wall St., 17th Fl, New York, NY 10005 Phone: (212) 608-9400, Fax: (212) 608-6268 requestinfo@preferredconcepts.com www.preferredconcepts.com

Prime Insurance Company

1 S. Dearborn St., Ste. 800, Chicago, IL 60603 Phone: (800) 257-5590, Fax: (877) 452-6910 RJL@primeis.com www.primeis.com

Pro-Praxis Insurance

321 Old Slip, 5th Fl, New York, NY 10005 Phone: (212) 401-1561, Fax: (212) 401-1548 Robert_Allen@ProPraxisIns.com www.propraxisins.com

ProAlly

1820 E. Sky Harbor Circle S, Ste. 150 Phoenix, AZ 85034 Phone: (623) 473-6277 contact@pro-ally.com www.pro-ally.com

Professional Program Ins. Brokerage, a Div of SPG Ins. Solutions 1304 Southpoint Blvd., Ste. 101, Petaluma, CA 94954 Phone: (415) 475-4300, Fax: (415) 475-4303 info@ppibcorp.com www.ppibcorp.com

Professional Underwriters Agency (PUA)

2803 Butterfield Rd., Ste. 260, Oak Brook, IL 60523 Phone: (630) 861-2330 nsmmarketing@nsminc.com puainc.com

Promont Insurance Advisors

123 N. Wacker Dr., Ste. 890, Chicago, IL 60606 Phone: (312) 262-3300, Fax: (312) 262-3301 greg.morris@promontadvisors.com www.promontadvisors.com

ProSurance Group, a Div of One80 Intermediaries 5050 El Camino Real, Ste. 300, Los Altos, CA 94022 Phone: (214) 845-7806, Fax: (650) 428-0860 financialservices@One80.com www.One80.com

ProWriters

70 E. Lancaster Ave., Ste. 102, Malvern, PA 19355 Phone: (484) 321-2335, Fax: (484) 321-2339 info@prowritersins.com www.prowritersins.com

Public Entities of America (PEA)

1725 Windward Concourse, Ste. 210 Alpharetta, GA 30005 Phone: (303) 531-3911 emily.nagle@peausa.com www.peausa.com

DECEMBER 4, 2023 NATIONAL | INSURANCE JOURNAL | 69

2023 Annual Program Directory Volume II – Alphabetical Directory of Markets Quadrant Insurance Managers

Roush Insurance Services, Inc.

Skyward Specialty Insurance

Quaker Special Risk, a Jencap Company (Florida)

RPS Healthcare

Southern Hospitality Underwriters

501 W. Schrock Rd., Ste. 301, Westerville, OH 43081 Phone: (614) 841-1425, Fax: (614) 841-1426 info@quadrant-us.com www.quadrant-us.com 224 Datura St., Ste. 715, W. Palm Beach, FL 33401 Phone: (866) 526-1545, Fax: (561) 833-6616 creid@qsr-insurance.com www.qsr-insurance.com

18077 River Rd., Ste. 107, Noblesville, IN 46062 Phone: (800) 752-8402, Fax: (317) 776-6891 info@roushins.com www.roushins.com 525 W. Van Buren, Ste. 1325, Chicago, IL 60607 Phone: (312) 803-6014 Diane_Burrows@rpsins.com www.rpsins.com/industries/healthcare-insurance

800 Gessner, Ste. 600, Houston, TX 77024 Phone: (972) 587-4315, Fax: (713) 467-8238 hdoughty@skywardinsurance.com www.skywardinsurance.com 300 Wilson Rd., Griffin, GA 30224 Phone: (866) 916-9752, Fax: (770) 233-8125 bbrown@shuins.com www.shuins.com

Quaker Special Risk, a Jencap Company (Mass.)

Southern Insurance Underwriters (SIU)

Quaker Special Risk, a Jencap Company (New Jersey)

Southwest Risk

51 Harvard St., Worcester, MA 01609 Phone: (800) 252-8679, Fax: (508) 753-0646 kbranscombe@quakerma.com www.quakerma.com

331 Newman Springs Rd. Bldg 2, Ste. 300 Red Bank, NJ 07701 Phone: (800) 447-4180, Fax: (732) 223-9072 chris.reid@jencapgroup.com www.qsr-insurance.com

Quantum Specialty Group

2222 Foothills Blvd., Ste. E285, La Canada, CA 91011 Phone: (213) 505-5735 mkwan@quantumspecialtygroup.com quantumspecialtygroup.com

Quirk & Company

P.O. Box 792030, San Antonio, TX 78279 Phone: (800) 299-9421, Fax: (210) 340-4075 kquirk@quirkco.com www.quirkco.com

RealCare Insurance

430 W. Napa St., Ste. F, Sonoma, CA 95476 Phone: (800) 996-0599, Fax: (707) 935-7142 realcare@nfp.com www.realcareprograms.com

4500 Mansell Rd., Alpharetta, GA 30022 Phone: (800) 568-1700 marketing@siuins.com www.siuins.com

RPS Signature Programs

2850 Golf Road, Rolling Meadows, IL 60008 Phone: (866) 595-8413 info@rpsins.com rpsins.com/signatureprograms Unique risks? New niches? Never been done before? That’s our specialty. We help provide your clients with specialized coverage from trusted carriers, so you can move on with confidence.

RPS Technology & Cyber

204 Cedar St., Cambridge, MD 21613 Phone: (800) 336-5659, Fax: (410) 228-7645 Estelle_Cummings@RPSins.com www.rpsins.com/industries/technology-insurance

SASSI - Salon & Spa Specialty Insurance

21 Maple Ave., Bay Shore, NY 11706 Phone: (888) 823-9380, Fax: (631) 666-7646 info@brownyard.com www.sassiagency.com

Risk Strategies, Transportation Group

PO Box 360017, Strongsville, OH 44136 Phone: (877) 862-4755, Fax: (914) 636-0802 info@risk-strategies.com www.risk-strategies.com

RLI

9025 N. Lindbergh Dr., Peoria, IL 61615 Phone: (309) 692-1000, Fax: (309) 692-1068 Communications@rlicorp.com www.rlicorp.com

Specialty Wholesale Insurance Solution (SWIS), a Div of SPG 5 Bryant Park, 3rd Floor, New York, NY 10018 Phone: (866) 607-8370, Fax: (212) 338-2910 christopher.lamitola@specialtyprogramgroup.com www.specialtyprogramgroup.com

Sports & Fitness Insurance Corporation (SFIC)

212 Key Dr., Ste. A, Madison, MS 39110 Phone: (800) 844-0536, Fax: (601) 853-6141 contactus@sportsfitness.com www.sportsfitness.com

Sports & Wellness Insurance 555 E. North Lane, Ste. 6060 Conshohocken, PA 19428 Phone: (610) 808-9599 nsmmarketing@nsminc.com nsmsportsinsurance.com

Staffing Lines

555 E. North Lane, Ste. 6060 Conshohocken, PA 19428 Phone: (610) 808-9586, Fax: (610) 941-9889 nsmmarketing@nsminc.com info.staffinglines.com

RelMark Program Managers

961 Pottstown Pike, Chester Springs, PA 19425 Phone: (800) 874-5880, Fax: (610) 321-1011 RRittersbach@relmarkgroup.com www.relmark.net

1610 Route 88 Ste. 102, Brick, NJ 08724 Phone: (732) 701-8934 apyciak@specialtyagency.com www.specialtyagency.com

10150 York Rd., 5th Fl, Hunt Valley, MD 21030 Phone: (800) 366-5810, Fax: (410) 828-8179 Hollie.Degutis@ryansg.com www.RyanPrograms.com 180 N. Stetson Ave., 46th Fl., Chicago, IL 60601 Phone: (312) 784-6007, Fax: (312) 784-6002 nancy.mcmahon@sapphireblueuw.com www.sapphireblueuw.com

11500 N. Ambassador Dr., Ste. 310 Kansas City, MO 64153 Phone: (816) 398-4080 info@reinsurepro.com www.reinsurepro.com For more info, see our ad on page 4 (West) and page 2 (East & Midwest).

Specialty Insurance

Ryan Specialty National Programs

Sapphire Blue

REInsurePro

8144 Walnut Hill Ln., Ste. 1400, Dallas, TX 75231 Phone: (214) 206-4900, Fax: (214) 206-4901 info@swrisk.com www.swrisk.com

Shield Commercial Insurance Services Star Mutual RRG 43725 Monterey Ave., Ste. A, Palm Desert, CA 92260 Phone: (760) 345-9029, Fax: (800) 345-4851 info@shieldins.net www.shieldins.net

123 Center Park Dr., Ste. 234, Knoxville, TN 37922 Phone: (855) 569-7827 info@StarRRG.com starrrg.com

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.

StateFund First, a Div of Arthur J Gallagher & Co. Insurance Brokers of CA, Inc.

70 | INSURANCE JOURNAL | NATIONAL DECEMBER 4, 2023

2121 N. California Blvd., Ste. 350 Walnut Creek, CA 94596 Phone: (855) 784-4433, Fax: (415) 536-4033 erica_bro@statefundfirst.com www.statefundfirst.com

INSURANCEJOURNAL.COM

2023 Annual Program Directory Volume II – Alphabetical Directory of Markets StorageFirst Self-Storage Business Insurance Program

Venture Insurance Programs

1301 Wrights Lane East, West Chester, PA 19380 Phone: (800) 282-624730, Fax: (610) 692-5977 marketing@ventureprograms.com www.ventureprograms.com

1300 S. Main St., Tulsa, OK 74119 Phone: (800) 853-4663 storagefirst@ajg.com www.storagefirst.com

Sun Coast General Insurance Agency

P.O. Box 30750, Laguna Hills, CA 92654 Phone: (800) 300-8838, Fax: (949) 768-4045 jyeskin@suncoastinsurance.com www.SunCoastInsurance.com

Victor Insurance Managers LLC

770 Wisconsin Ave., Ste. 400, Bethesda, MD 20814 Phone: (301) 961-9800, Fax: (301) 951-5444 info.us@victorinsurance.com www.victorinsuranceus.com

The McGowan Companies

Corporate HQ: Fairview Park, OH 44126 Phone: (800) 545-1538, Fax: (440) 333-3214 syoung@mcgowancompanies.com www.mcgowancompanies.com

Virtue Risk Partners, LLC

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.

Synergy Professional Associates, Inc.

100 Passaic Ave., Ste. 145, Fairfield, NJ 07004 Phone: (973) 995-0500, Fax: (973) 995-0501 michelem@synergy-ins.com www.synergy-ins.com

Target Professional Programs

1230 E. Diehl Rd., Ste. 350, Naperville, IL 60563 Phone: (331) 333-8239, Fax: (630) 961-0284 sreidy@targetproins.com www.TargetProIns.com

TDC Specialty Underwriters

29 Mill Street, Unionville, CT 06085 Phone: (888) 277-3152, Fax: (888) 277-3152 submissions@tdcspecialty.com www.tdcspecialty.com

The Mechanic Group, Inc., A Division of Specialty Programs Group, LLC One Blue Hill Plaza, Ste. 530, Pearl River, NY 10965 Phone: (845) 735-0700, Fax: (845) 735-8383 mkatz@mechanicgroup.com www.mechanicgroup.com Insurance Programs, Brokerage and Risk Management for the Security Officer, Electronic Security-Alarm, Investigation and Background Screening Industries.

The Hanover Insurance Group

440 Lincoln St., Worcester, MA 01653 Phone: (508) 855-1000, Fax: (508) 635-1193 abclark@hanover.com www.hanover.com

Towerstone, Inc.

14221 Dallas Pkwy, Ste. 700, Dallas, TX 75254 Phone: (972) 725-2100, Fax: (972) 725-2101 info@towerstonecorp.com www.towerstonecorp.com

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Western Surplus Lines Agency, Inc.

P.O. Box 6609, Abilene, TX 79608 Phone: (800) 592-4408, Fax: (325) 695-0371 bcraig@westernsurplus.com www.westernsurplus.com

World Wide Specialty, a Division of Philadelphia Insurance Companies

1390 Willow Pass Rd., Ste. 1050, Concord, CA 94520 Phone: (925) 671-2128, Fax: (925) 671-0171 MatthewM@UnionGeneral.com UnionGeneralinsurance.com

Unitas Financial Services

68 S. Service Rd., Ste. 235, Melville, NY 11747 Phone: (800) 245-9653, Fax: (631) 390-0922 dtaylor@wwspi.com www.wwspi.com

Wrap Up Insurance Solutions

16141 Swingley Ridge Rd., Chesterfield, MO 63017 Phone: (636) 489-0185, Fax: (636) 536-7473 bbillhartz@wrapupsolutions.com www.wrapupsolutions.com

6543 Commerce Pkwy, Ste. M, Dublin, OH 43014 Phone: (954) 931-4795, Fax: (866) 847-5565 john.watt@unitas360.com www.unitas360.com

Wright Specialty Insurance

Universal Insurance Programs

900 Stewart Ave., Ste. 600, Garden City, NY 11530 Phone: (877) 976-2111, Fax: (516) 227-2352 hdiamantidis@wrightinsurance.com www.wrightspecialty.com

1220 E. Osborn Rd., Phoenix, AZ 85014 Phone: (800) 844-2101, Fax: (866) 512-2272 info@uiprograms.com www.uiprograms.com

www.insurancehelper.com

US Assure

PO Box 1549, Grass Valley, CA 95945 Phone: (530) 648-1100 info@theeventhelper.com www.insurancehelper.com

8230 Nations Way, Jacksonville, FL 32256 Phone: (800) 800-3907 info@usassure.com www.usassure.com

Vanguard Specialty

1500 W. El Camino Ave., Ste. 834 Sacramento, CA 95833 Phone: (805) 688-4995 process@trean.com www.westcapins.com

95 Main St., Mineola, NY 11501 Phone: (516) 747-0200, Fax: (516) 747-2021 info@wilkoffbonds.com www.wilkoffbonds.com

Union General Insurance Services, Inc.

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.

Westcap Insurance Services, LLC

Wilkoff Bonds

6363 Katella Ave., Cypress, CA 90630 Phone: (800) 222-5582, Fax: (714) 228-7855 bcolburn@ucageneral.com www.ucageneral.com

32nd Fl, 11 N. Water St., Mobile, AL 36602 Phone: (251) 690-4230, Fax: (251) 690-4299 aeu.marketing@amequity.com www.amequity.com

273 Clarkson Rd., Ste. 102, Ellisville, MO 63011 Phone: (636) 391-4841, Fax: (636) 391-2115 newquotes@wgamo.com www.wgamo.com P O Box 173689, Tampa, FL 33672 Phone: (888) 342-5977 info@protectmywedding.com www.protectmywedding.com

UCA General Insurance Services Inc.

The American Equity Underwriters, Inc.

Walter General Agency (WGA)

Wedding Protector Plan

TAPCO Underwriters, Inc.

3060 S. Church St., Burlington, NC 27216 Phone: (800) 334-5579, Fax: (336) 584-8880 KAllred@gotapco.com www.GoTAPCO.com

One Blue Hill PLaza, Pearl River, NY 10965 Phone: (845) 205-0301 jvalenza@virtuerisk.com www.virtuerisk.com

XPT Specialty

1120 E. Kennedy Blvd., Ste. 226, Tampa, FL 33602 Phone: (813) 999-8090 stephen.vanwert@vanguardspecialty.com www.vanguardspecialty.com

50 Brewery St., Ste. 8476, New Haven, CT 06530 Phone: (972) 702-0500, Fax: (972) 702-0504 mark.kaufman@xptpartnersllc.com www.xptspecialty.com

DECEMBER 4, 2023 NATIONAL | INSURANCE JOURNAL | 71

2023 Annual Program Directory Volume II – Alphabetical Directory of Markets

Advertisers Index

December 4, 2023 Advocus National Title Insurance Company One South Wacker Drive, 24th Floor Chicago, IL 60606 The above company has made application to the Division of Insurance to obtain a Foreign Company License to transact Property and Casualty Insurance in the Commonwealth of Massachusetts. Any person having any information regarding the company which relates to its suitability for the license or authority the applicant has requested is asked to notify the Division by personal letter to the Commissioner of Insurance, 1000 Washington Street, Suite 810, Boston, MA 021186200, Attn: Financial Surveillance and Company Licensing within 14 days of the date of this notice.

Applied Underwriters www.auw.com 2, 3, 76 EPIC Brokers www.epicbrokers.com 15, 29 Foremost Insurance Group www.foremoststar.com 5 Golden Bear Insurance Company www.goldenbear.com 9 M.J. Hall & Company, Inc. www.mjhallandcompany.com W1 Philadelphia Insurance Companies www.phly.com 7 REInsurePro www.reinsurepro.com/IJ W4, E2, M2 Surplus Lines Association of California www.slacal.com W3 Texas Mutual www.texasmutual.com SC2, SC3

“I regularly refer to Insurance Journal for industry trends, and to provide customers w/ developments that impact their business.” Karl Henley - EVP at SeibertKeck Insurance Partners & Satisfied Insurance Journal Subscriber

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

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Closing Quote Direction for NextGen Talent: The Best Way Forward Is Not Always Up cross-functional experiences, too. As an industry, we provide a path, support and opportunity, but it’s up to the employee to walk down that path.

Attracting Talent By Sabrina Hart

believe you have to do what you love. My favorite subject in school was mathematics. To me, trigonometry and advanced calculus presented challenging but enjoyable and even exciting puzzles to solve. As I grew older, I sought a career where I could engross myself in calculations and hopefully, my other passion, sports. At a young age, I figured I would teach and coach. But my career path took a different turn. I found insurance and I can honestly say, I love what I do. While I never looked back, I certainly looked around. I made it a point to experience different aspects of the industry from risk manager to underwriter to a functional position internationally and finally to the C-suite. Today’s younger talent sees the value in

First, we need to get those young people to think about insurance and risk management. And we’re making progress. We’re seeing more students who did not originally intend to study insurance find opportunities within our industry. In 2023, 36% of students found insurance, despite that not being their originally intended career path. This is up from 25% reported the year prior, according to the 2023 Gamma Iota Sigma Recruiting Survey Report. Our industry could do a better job of advocating for insurance as an attractive career path. We need to convey that insurance is about entrepreneurialism, assisting people in their time of need, and supporting local communities. We have started to see the industry make efforts to humanize insurance. We are bringing insurance professionals into high school classrooms to put a human face to our

74 | INSURANCE JOURNAL | DECEMBER 4, 2023

industry. We are also seeing on social media evidence of the good the industry does — paying claims, caring for the environment, making charitable contributions, volunteering and sponsoring events in our communities. We need to highlight our brand as one that is rooted in helping people in their time of need and demonstrate that our brand is one committed to social good and building a better future. We know the next generation wants to work for companies that embrace a culture of diversity, equity and inclusion (DEI). Unfortunately, the GIS 2023 survey found fewer students feel there was significant diversity in their internship or employment. At 39%, this number was down from 61% in 2022. DEI should be a strategic issue for all of us; our organizations should be a reflection of our customers and communities — diverse.

The Value in Cross-Functional Work Experience

My career followed a non-linear path and I treasure each of those experiences that shaped my industry knowledge and skillsets. As former Meta COO and author Sheryl Sandberg said in her book Lean In: Women, Work and the Will to Lead, career paths should be viewed as jungle gyms, not ladders. Moving around within your career is positive and no move should be considered “lateral” if it

is presenting the employee with an opportunity to grow. Companies can really benefit from those with a curious mentality who have a desire to learn different aspects of the business.

The Keys to a Better Future

I was fortunate to speak to a room of nearly 600 young people pursuing insurance and risk management at the Gamma Iota Sigma Annual Conference in late September. I shared with them that we were excited to have them grow with us as an industry and that they made a great choice. I also offered the following advice: • Be a life-long learner of the business and never let that curiosity fade. A broader, deeper view can build credibility and transferable skills. • Focus on the financial acumen. Whatever role you assume within the industry, a basic understanding of the economics of the insurance industry is invaluable. • Hone interpersonal and technical skills. We all have something we are naturally good at. Do not forgo the other because it is uncomfortable. Insurance is an industry rich with opportunity. Companies need to offer career paths, but employees need to be their own CEOs when it comes to their careers. They need to bring with them enthusiasm, energy and curiosity. It is our responsibility as leaders to nurture and develop these traits within our teams. Hart is president and chief executive officer for Munich Re Specialty Insurance. INSURANCEJOURNAL.COM

from our family to yours

Luke Donald, Captain of Team Europe, Winner of Ryder Cup 2023.

When strategy, determination, and spirit lead the way to a team victory, it’s more than just a win; it’s a triumph. At Applied Underwriters, we don’t just share that same drive to succeed, we champion it. Learn more at auw.com or call (877) 234-4450.