BURNS &
PROVIDE THE ANSWERS TODAY
WILCOX
SPEED IS OUR MIDDLE NAME. Our vast global market relationships speed up our quoting and binding process, quickly providing insureds the solutions they need. When it comes to the hard-to-place, think fast. Think Burns & Wilcox.
800.521.1918 burnsandwilcox.com Commercial | Professional | Personal | Brokerage Binding | Risk Management Services
37158 BURNS IFC-01.indd 6 Middle Name Ad for IBA REV2-18.indd 1
2/18/15 2:25 13/03/2015 5:58:58 AMPM
Beyond Security®
“We’re On The Hunt”
Nick Cortezi CEO, All Risks Hunter General Star Broker
“I’ve loved duck hunting since my father got me started as a kid. It requires skill, discipline and the ability to focus accurately on a moving target. “These fundamentals drive our partnership with General Star. With Berkshire Hathaway behind them, their strength and dependability are unrivaled. But it’s their skill in gauging distressed risks and unusual prospects – within their trademark disciplined approach – that impress me most. They can hit the moving target. “Together, we’re on the hunt for new opportunities to expand our reach and build our businesses. We’re aiming high, together.” To locate the General Star broker nearest you, visit our website at www.generalstar.com.
© 2015 General Star National Insurance Company is licensed in the District of Columbia, Puerto Rico and all states. General Star National Insurance Company has its principal place of business in Stamford, CT and operates under NAIC Number 0031-11967. Insurance is placed with General Star National Insurance Company by licensed producers. General Star Indemnity Company is an eligible surplus lines insurer in all states, the District of Columbia, Puerto Rico, and the Virgin Islands. It has the status as an unlicensed insurer in California and operates under NAIC Number 0031-37362. Insurance is placed with the General Star Indemnity Company by licensed producers and, for risk that qualify, by licensed surplus lines brokers.
e
Atlanta 404 239 6777
Chicago 312 267 8600
A.M. Best A++ XV
2:25 PM
IFC-01.indd 7
Los Angeles 213 630 1930
S&P AA+
New York 212 859 3950
Stamford 203 328 5700
A Berkshire Hathaway Company
13/03/2015 5:59:20 AM
MARCH 2015
CONNECT WITH US
CONTENTS
Got a story, suggestion or just want to find out some more information? twitter.com/InsuranceBizUS facebook.com/InsuranceBusiness America
UPFRONT 04 Editorial
PRODUCERS ON
MGAs COVER STORY
36 PEOPLE
PRODUCER PROFILE
Through his passion for dogsledding, David Imschweiler has gained valuable insights into life and business
22 32
PRODUCERS ON MGAS
What do producers value most in an MGA – and how do MGAs measure up? IBA surveyed hundreds of producers to find out
FEATURES
MAKING WAVES
Marine insurance may date back to the Middle Ages, but it’s as vital as ever in today’s marketplace
Analysis of our second annual IBA’s MGA survey
06 Statistics How the improving economy will benefit insurance
08 Head to head Are direct sales channels really a threat?
10 News analysis The effect of recent air disasters on the aviation insurance market
12 Intelligence This month’s key corporate moves and new products
14 Technology update The expanding market for telematics
16 Workers’ comp update What a potential Tennessee law means for state-mandated workers’ comp
FEATURES
‘
30 Agency insight InterWest Insurance Services PEOPLE
INDUSTRY ICON
When The Hanover was struggling, Fred Eppinger stepped in – and within a decade, managed to completely turn the 163-year-old company around
18 2
28
FEATURES
BRACE YOURSELF
With natural disasters and acts of terrorism becoming ever more frequent, catastrophe insurance is essential for protecting your clients’ bottom line
PEOPLE 39 Favorite things Jim Sattler of CBIZ Sattler
40 Career path Howard Kunreuther’s pioneering path in the world of disaster preparedness
IBAMAG.COM CHECK IT OUT ONLINE
www.ibamag.com
02-03_Contents-SUBBED.indd 2
13/03/2015 9:11:54 PM
When it’s grim, you need Great
®
‘ A construction incident like this is a painful way to learn the carrier you recommended has less than stellar claims service. To process claims quickly and smoothly takes the expertise of specialists who know and understand how to turn grim to great. Great American’s strength of specialization gives us that rare ability. We’re able to see risks, write coverages, and handle claims in a way that gives your clients greater satisfaction.
www.GAIG.com
Don’t settle for less. Turn grim to great with Great American.
Agriculture • Annuities • Environmental • Equine • Excess & Umbrella • Fidelity & Surety • Financial Institutions Inland & Ocean Marine • Non-Profits • Professional Liability • Transportation • Workers’ Compensation Coverage is summarized. Please refer to the actual policy for a full description of applicable terms, conditions, limits and exclusions. Coverage underwritten by Great American Insurance Company, an authorized insurer in 50 states and the District of Columbia. © 2015 Great American Insurance Company. All rights reserved. 301 E Fourth Street, Cincinnati, OH 45202
02-03_Contents-SUBBED.indd 3
13/03/2015 6:00:33 AM
UPFRONT
EDITORIAL
Mastering the MGA relationship A
s regulatory pressures and consumer preferences combine to demand more from independent insurance agencies, so do insurance agencies demand more from their managing general agents. Yet, this vital relationship has become strained in some particulars, and communication between MGAs and their producer partners isn’t always what it could be. That’s why Insurance Business America has sought to strengthen this dialogue by asking producers annually about their priorities in choosing an MGA and how their individual MGAs are performing. The responses, which came from producers nationwide, have been illuminating. For the second year in a row, underwriting turnaround time and claims responsiveness dominated producers’ priorities. Citing a growing consumer reliance on instantaneous and common-sense results, producers stressed just how vital a responsive relationship with a knowledgeable underwriter can be.
In an era where many distribution channels are fighting for survival, producers are understandably anxious about doing business with MGAs that also compete directly with them for client business Unfortunately, MGAs ranked rather poorly in both areas. Producers commented that a lack of communication on the part of MGAs, as well as MGAs that used multiple underwriters on the same account, frustrated their ability to work effectively with their own clients. Meanwhile, we saw two new entrants on the list of insurance producers’ top concerns. Carrier range and premium pricing were producers’ third and fourth most important priorities, respectively. This could be driven by the softening property/casualty market, which is leading to increased competition, a greater number of carriers in many markets and expected pricing decreases of 5–15% for clients with a good loss history. Another timely topic that was not included in our ratings, but surfaced again and again in producer comments, was the frustration many feel with MGAs who run retail agencies. In an era where many distribution channels are fighting for survival, producers are understandably anxious about doing business with MGAs that also compete directly with them for client business. If there is one thing the survey results suggest, however, it’s that there are enough MGAs out there for producers to be able to partner only with those that advance their own (and their customers’) interests.
The team at Insurance Business America
4
www.ibamag.com MARCH 2O15 EDITORIAL Senior Journalist Caitlin Bronson Journalists Ryan Smith Tim Garratt Donald Horne Jordan Maxwell Copy Editor Clare Alexander
CONTRIBUTORS Samantha Wright
ART & PRODUCTION Design Manager Daniel Williams Designer Joenel Salvador Production Manager Alicia Salvati
SALES & MARKETING Vice President Cathy Masek Media Sales Manager Chris Wills Marketing and Communications Manager Lisa Narroway
CORPORATE Chief Executive Officer Mike Shipley Chief Operating Officer George Walmsley Publisher Richard Curzon Chief Information Officer Colin Chan Human Resources Manager Julia Bookallil
Traffic Manager Kay Valdez
EDITORIAL INQUIRIES caitlin.bronson@keymedia.com
SUBSCRIPTION INQUIRIES subscriptions@keymedia.com
ADVERTISING INQUIRIES cathy.masek@keymedia.com chris.wills@keymedia.com
Key Media 78O7 E. Peakview Ave., Suite 115 Centennial, CO 80111, USA tel: +1 720 316 0151 www.keymedia.com Offices in Denver, Toronto, Sydney, Auckland, Manila
Insurance Business America is part of an international family of B2B publications and websites for the insurance industry INSURANCE BUSINESS (AUSTRALIA) peter.smith@keymedia.com.au T +61 2 8437 47OO
INSURANCE BUSINESS CANADA john.mackenzie@kmimedia.ca T +1 416 644 874O
INSURANCE BUSINESS NZ peter.smith@keymedia.com.au T +61 2 8437 47OO Copyright is reserved throughout. No part of this publication can be reproduced in whole or part without the express permission of the editor. Contributions are invited, but copies of work should be kept, as IB magazine can accept no responsibility for loss
www.ibamag.com
04-05_Editorial-SUBBED.indd 4
13/03/2015 6:01:18 AM
Experience the Difference Steve Brockmeyer Bolton & Company
“
The Hanover is a partner that offers value through a combination of great products, innovative tools, and expertise. Our deep relationships with dedicated local professionals who really understand our business, along with The Hanover’s distinctive capabilities, help us to meet a wide range of our customers’ needs.
“
THE HANOVER… Committed to Independent Agents since 1852 Listening. Solving. Executing.
hanover.com
04-05_Editorial-SUBBED.indd 5
13/03/2015 6:01:26 AM
UPFRONT
STATISTICS
An economy on the rise
THE STATES OF EMPLOYMENT
These were the six fastest- and slowest-growing states, in terms of employment, for 2014
+3.0%
Oregon
Now that the economy is finally recovering, it’s opening up a wealth of new insurance needs With the economy growing and the future looking brighter than it has for several years, many American businesses are feeling flush with optimism. Whether they’re small to medium-sized firms or multi-national corporations, the future looks bright on the job front. As new businesses pop up across the country, and as established firms look to hire more and more staff, a look at the latest round of job statistics reveals the industries that represent potential areas of growth for insurance producers in 2015 and beyond.
+3.4% Utah
-0.4% Alaska
252,000
Number of jobs the economy added in December 2014, according to the Bureau of Labor Statistics
5.6%
2.078M
unemployment rate as of December 2014, the lowest point since June 2008
Number of jobs the economy has added since December 2013
THE NATION’S FASTEST-GROWING BUSINESSES Industry
Sales growth
Electronic shopping and mail-order houses
20.5%
Software publishers
16.0%
Computer systems design and related services
15.2%
Investigation and security services
14.4%
Services to buildings and dwellings
14.0%
Management, scientific and technical consulting services
12.8%
Architectural, engineering and related services
12.2%
Employment services
11.9%
Specialized design services
11.9%
Advertising, public relations and related services
10.1%
8.6%
Private companies’ annual rate of sales growth
2.7%
North Dakota’s unemployment rate – lowest in the country
6.6%
Private companies’ net profit margin – the highest in three years
7.4%
DC’s unemployment rate – highest in the country
Source: SageWorks, The Private Company Report
6
www.ibamag.com
06-07_Stats-SUBBED.indd 6
13/03/2015 6:02:04 AM
+4.8%
North Dakota
+3.0%
Delaware
+0.5%
Kansas
+0.5%
Maryland
+0.3%
New Jersey
+0.4%
Virginia
A YEAR OF GROWTH
-0.1%
Job figures (in thousands) show growth across a whole host of industries
Mississippi
Dec. 2013
Dec. 2014
Change (000s)
Nondurable goods
4,472
4,482
+10
Information
2,674
2,689
+15
Mining and logging
882
931
+49
Industry sector
+3.9% Texas
+3.0%
Florida
CONFIDENCE IN SMALL BUSINESSES CONTINUES TO RISE 102
Government
21,854
21,945
+91
100
Financial activities
7,901
8,022
+121
Manufacturing
12,050
12,239
+189
Construction
5,876
6,166
+290
Leisure and hospitality
14,435
14,856
+421
Education and health services
21,242
21,724
+482
Trade, transportation, and utilities
26,156
26,663
+507
Professional and business services
18,842
19,574
+732
Private serviceproviding
96,730
99,066
+2336
98 96 94 92 90 88 86 84 82 80
Dec. 09 88.0
Dec. 10 92.6
Dec. 11 93.8
Dec. 12 88.0
Dec. 13 93.9
Dec. 14 100.4
Source: NFIB Small Business Economic Trends
Source: The Bureau of Labor Statistics
www.ibamag.com
06-07_Stats-SUBBED.indd 7
7
13/03/2015 7:07:42 AM
UPFRONT
HEAD TO HEAD
Q:
GOT AN OPINION THAT COUNTS? Email iba@keymedia.com
Are online direct sales channels a threat to independents?
John Tiene
Reid French
Clint Anders
CEO AGENCY NETWORK EXCHANGE
CEO APPLIED SYSTEMS
Insurance agent HALLAM & ASSOCIATES INSURANCE
There’s no question that people are using the Internet as a tool to become better educated about insurance, but ANE member agents don’t see the direct market as a threat. If anything, the online direct sales channel is often the best sales tool for independent agents. It takes just one bad experience with an online policy to bring someone into an office looking for a more trustworthy and professional alternative. Bottom line: Insurance is complicated, and people will continue to seek advice from trained professional risk managers – independent insurance agents – when considering the best protection for themselves, their families and their businesses.
Online direct sales channels are not a threat to independent agencies that invest in the proper technology. The Internet is open to all, and agency-focused technology is currently available to enable independent agencies to thrive in this new digital environment. Today’s consumer demands, and frankly also expects, immediate and ubiquitous access to information. This customer experience is associated with direct writers and other online sellers, yet it is also available and provided by independent agencies that invest in the proper technology ... like online client self-service portals, web-based rating tools, mobile apps, and cloud-based management systems.
Online channels for direct insurance sales are more of a threat to the insured seeking coverage than to the independent agent. A scary statistic on insureds who purchase insurance directly through the Internet … is that 75% of the time, [the policy] is written incorrectly. Primarily these errors occur in applying the proper liability limits. The number one thing independent insurance agents bring to the table is relationships. Insurance agents see their clients in the best of times, when they purchase that new car or home, and the worst of times, when that car or home has been damaged or destroyed. Having a local agent in your corner is invaluable.
THE DEBATE OVER DIRECT SALES CHANNELS There’s at least some evidence that changing consumer behaviors, new technologies and the evolving competitive landscape might be disrupting independent agents’ traditional strengths in customer service and risk management. Almost 40% of 1,100 US independent property and casualty insurance agents surveyed for a recent Accenture report said they saw the increase of direct sales via the online channel as a serious competitive threat. Nearly three-quarters (71%) of the agents said that threat took the form of lower prices, while 48% thought the threat lay in better brand recognition and more effective marketing on the part of the direct channels.
8
www.ibamag.com
08-09_head to head-SUBBED.indd 8
13/03/2015 6:03:02 AM
FUTURE-READY Looking ahead, we feel optimistic and excited. We have a strong foundation. We have talented, experienced, and dedicated associates and partners. And we have a laser focus on driving growth and value. Additionally, we are a wholly owned subsidiary of Nationwide® and, with an A.M. Best
a Nationwide Insurance® company
rating of A+ (Superior) FSC XV, we’re ready for the future and everything
A.M. Best Rating of A+ (Superior), FSC XV
www.scottsdaleins.com
it has in store.
Let’s do this.
Scottsdale Insurance Company and design is a federally registered service mark of Scottsdale Insurance Company.
08-09_head to head-SUBBED.indd 9
13/03/2015 6:03:09 AM
UPFRONT
NEWS ANALYSIS
Revisiting the aviation insurance market
RECENT MAJOR AIR DISASTERS March 8, 2014 Malaysia Airlines Flight MH370 disappears during a flight from Kuala Lumpur to Beijing. No debris is found. July 17, 2014 Malaysia Airlines Flight MH17 crashes in eastern Ukraine; all 298 on board are killed. Pro-Russian rebels deny responsibility.
The shocking crash of TransAsia Flight GE235 is the latest of several aviation losses that have plagued insurers in the past year. IBA takes a look at how the market is responding
July 23, 2014 TransAsia Airways Flight GE222 crashes in typhoon weather during a flight to the island of Penghu. Forty-eight of the 54 people on board are killed.
THE CRASH OF a TransAsia turboprop plane in early February left 38 of its passengers dead and the world stunned as video footage surfaced of the plane clipping the Nanhu Bridge and crashing into the Keelung River in Taipei, Taiwan. But while the incident itself was tragic and shocking, it is not an isolated one – it is the latest in a string of plane tragedies involving Asian airlines. Another TransAsia plane went down in typhoon conditions in July, while AirAsia sustained a loss in December when one of its planes crashed en route from Surabaya, Indonesia to Singapore. Malaysia Airlines Flight MH17 was shot down over eastern Ukraine last July, and
December 28, 2014 AirAsia Flight QZ8501 goes down in bad weather while flying from Indonesia to Singapore. There were 162 passengers and crew on board.
the airline has still not located the plane that went missing over the South Indian Ocean in March 2014. This rash of plane disasters has cast a pall over the commercial aviation insurance market. Carriers are facing annual losses exceeding $2 billion, including liability and hull losses expected to amount to several hundred million dollars. It represents the biggest bill carriers have had to foot since the September 11, 2001 terrorist attacks and dwarfs the roughly $60 to $90 million in income insurers received in 2013. “For a number of years, abundant capacity has placed considerable pressure on pricing, as well as terms and conditions, across all aviation lines,” says Catherine Thomas, direc-
“The risk profile of international aviation has shifted, becoming riskier and justifying a response in terms of underwriting and pricing” Robert Hartwig, Insurance Information Institute
10
February 4, 2015 TransAsia FlightGE235 clips a bridge and crashes into the Keelung River in Taipei, killing 38 of its 53 passengers.
tor of analytics at A.M. Best. “At the beginning of 2014, rates were significantly below peak levels,” and despite a few losses, the market was still profitable. But now, “losses will considerably outweigh premiums written, and insurers are expected to react with substantial rate increases,” Thomas said.
Rising rates For some international aviation insurers, that process is already in motion. Following the gunning down of Malaysia Airlines MH17, un-
www.ibamag.com
10-11_News Analysis-SUBBED.indd 10
13/03/2015 6:04:01 AM
derwriters in the region began asking for premium increases of 300% for war risk insurance policies. Others wanted exact details of all flight paths, and are considering exclusions for all flights that cover so-called ‘hot spots’ in the Middle East and parts of Africa. The more general ‘all-risk’ policies purchased by airlines are also expected to increase, with the Centre for Asia Pacific Aviation reporting insurance bill increases of 10–20% following the series of disasters. Companies whose price increases are not high enough to maintain profitability may have to bow out of the market altogether. Indeed, a report from Lockton Companies estimates the cost of insuring a plane against attack will nearly double. As of last year, insuring a new aircraft worth $200 million would cost an airline about $40,000. Now, that figure could jump to $80,000. If the corresponding premium increases go forward, it would mean a sharp turnaround from the relatively low insurance costs airlines have been enjoying for the past five years. Economist and Insurance Information Institute President Robert Hartwig believes these moves are warranted, though he maintains that instability in the market is unlikely. “The risk profile of international aviation has shifted, becoming riskier and justifying a response in terms of underwriting and pricing,” Hartwig says. “I also expect that airlines will seek to mitigate risk, perhaps lessening the impact of higher insurance costs, by temporarily avoiding some conflict zones such as eastern Ukraine.”
Conflicting treaties Further complicating insurance payouts for aviation losses is the different in international treaties countries choose to observe. In the days following the December crash of AirAsia Flight QZ8501, for example, questions emerged over the bill facing insurance companies preparing to offer settlement to passengers’ families. According to some analysts, the failure of Indonesia to sign the Montreal Convention – a 2003 international treaty that offers payments from airlines with total liability coverage of about $170,000 a passenger – could severely limit payouts to victims. The Warsaw Convention of 1929, the older
Not the deadliest year on record Although 2014 represented an uptick in aviation-related fatalities, global data shows it is hardly an outlier over the past decade 1074 943
905
773 692
760
524
588
475
455
265
2004
2005
2006
2007
2008
2009
2010
2011
2012
2013
2014
Source: Aviation-Safety.net
“Losses will considerably outweigh premiums written, and insurers are expected to react with substantial rate increases” Catherine Thomas, AM Best aviation agreement observed by the country, instead asks for just $8,300 per victim and doesn’t require advance payments for passengers’ families. Viewed by some industry analysts as “antiquated,” the agreement was nevertheless seen to offer insurers a potentially lower bill. AirAsia is still discussing whether it will observe the Montreal or Warsaw convention with the government, though airline representatives have promised to pay out more per passenger than stipulated by the earlier treaty.
Bumpy skies ahead? Any temporary fluctuations in the market are likely to be addressed by new, larger players responding to the increased risk. Cathedral Capital, an insurance company
backed by Lloyd’s of London, hired four aviation insurance experts to join its team just a month after the disappearance of MH370. One of the underwriters told Reuters he stepped into the role specifically to build a newly profitable airline and aviation war book. This cyclical process of disaster, rate increases and increased competition from new players is old hat for the aviation industry. After the September 11 attacks, a large number of carriers exited the market, and premiums shot as high as $350 million by the end of the year. New carriers, backed by abundant capital, soon entered the market and drove premiums down again. And according to the industry’s leading analysts, there is no reason to expect the same won’t happen this time.
www.ibamag.com
10-11_News Analysis-SUBBED.indd 11
11
13/03/2015 6:04:08 AM
UPFRONT
INTELLIGENCE CORPORATE Acquirer
PRODUCTS
Target
Comments
Arthur J. Gallagher
Evolution Underwriting Group
AJG expands its presence in the UK with the purchase of this commercial insurance MGA
Arthur J. Gallagher
Cohn Financial Group
Acquisition represents a greater footprint in the life insurance business for high-net-worth families and individuals in the US
Hiscox
R&Q Marine Services
Hiscox gains access to an underwriting agency specializing in yachts with a gross written premium of $25.7 million
Confie Seguros
Baja Auto Insurance
Confie continues its streak of acquisitions with this Houston-based personal lines provider
J.H. Blades
BurkeDaniels Co.
Energy-focused MGA expands its presence with this acquisition of $250 million in property, control of well and casualty premiums.
Hub International
Alexander Insurance Agency
Alexander will become part of Hub Transportation, focusing on large fleet, small fleet and single owner trucking operations
United Insurance Holdings
Family Security Holdings
United will gain access to property/casualty operations in Hawaii and Louisiana
Associated Banc-Corp
Ahmann & Martin
Associated adds employee benefits, risk management and business insurance to its portfolio
Anthem
Simply Healthcare Holdings
Deal helps grow Anthem’s presences in Florida to keep up with demand
QBE sells US agency business Australian insurer QBE has announced it would sell its US agency business after lackluster performance and revised ratings from A.M. Best. According to the terms of the agreement, Alliant Insurance Services will make an upfront cash payment of $217 million to QBE for the sale of the business, which includes Community Association Underwriters, Deep South and SIU Managers. The remainder of the $300 million agreement will be paid through a performance-based earn-out agreement over the next five years.
12
>> GEICO LAUNCHES INSURANCE PRODUCT FOR
UBER DRIVERS
Auto insurance giant GEICO announced it will be offering a new product addressing the infamous insurance gap faced by ride-sharing companies like Uber, Lyft and Sidecar. The product, offered through GEICO Com mercial, is designed to replace the driver’s personal auto policy with coverage for both personal and ride-sharing needs. The ride-sharing policy launched in Virginia, and company CEO Tony Nicely confirmed it has been approved in Maryland as well. Nicely hopes GEICO will be able to roll out the product in more states this year. >> ACE GROUP COVERS M&A EXPOSURES Three new insurance products from ACE Group are being marketed to protect against loss associated with merger and acquisition transactions. The policies include representations and warranty, tax indemnity, and contingent liability insurance. They are designed specifically for financial institutions such as strategic buyers and sellers, private equity sponsors and business owners with advisors and managers. Steven Goldman, ACE’s senior vice president of professional risk, will oversee the growth of ACE’s Trans actional Risk initiative, alongside Edward Markovich, who will focus on underwriting transaction risk.
www.ibamag.com
12-13_Intelligence-SUBBED.indd 12
13/03/2015 6:04:37 AM
PEOPLE
>> NEW CFC PRODUCT TO TACKLE MARINE POLICY A new piracy policy product from specialist lines underwriting agency CFC offers instant quotation and documentation through a new online portal. The policy is meant to be a comprehensive solution to piracy, covering ransom reimbursement, unlimited consultant costs, additional expenditure, personal accident for victims and loss of hire. Limits are available up to $20 million and nil deductibles are offered as standard. Premiums for a single transit through a high-risk area start at $800 for a $5 million limit. >> VFIS ENHANCES COVERAGE FOR EMERGENCY
SERVICES FIRMS
VFIS, a specialty program of Glatfelter Program Man agers, introduced enhancements to its property/ casualty and accident/sickness coverage for emergency services organizations. The features include the addition of funds transfer fraud to its computer fraud coverage, physical damage enhancements for commercial auto, and coverage to replace obsolete portable chargers and theft of portable equipment. Accident and sickness benefit enhancements are currently available in 25 states; approval is expected in most other states within a few months. Target classes include fire departments, ambulance and rescue squads, and 911 centers.
Name
Leaving
Joining
New Position
Chris DeBruin
Suffolk Construction Co.
Alliant Insurance Services
Vice president and director of claims, construction services
Matthew Eagle
Willis Re
Guy Carpenter
Head of international analytics
Seth Hall
N/A
Philadelphia Insurance
Senior vice president of customer service
Jayne Hongisto
N/A
J.M. Wilson
Branch manager
Debra Levy
Wells Fargo
York Risk Services Group
National workers’ compensation practice leader
Jakob Meding
HP
TIA Technology
CEO
Chris Middleton
CompWest Insurance
CNA Financial
Business development leader
Alexandra Moon
RSA Insurance Group
Novae Group
Group general counsel
Bob Morgan
N/A
Philadelphia Insurance
Senior vice president of underwriting
Chad Morgan
Philadelphia Insurance
Aon Risk Solutions
Account executive
David Repinski
Crawford & Co.
Cunningham Lindsey Group
President and chief client officer
Mary Russell
N/A
Marsh
US chemical practice leader
Frank Turtola
N/A
Global Aerospace
Senior vice president and underwriting executive
Mark Walters
Tyser & Co.
Arthur J. Gallagher
Executive director, aviation divison
Jim Zoda
Travelers Cos.
Beecher Carlson
Senior vice president of risk control
GALLAGHER CEO RESIGNS David Ross, head of Arthur J. Gallagher’s international brokerage division, resigned in early February. Ross had been with the company for 25 years and helped grow a team of 6,500 employees. Ross left to head up UK-based Towergate, which is currently undergoing a debt restructuring deal to appease its investors. AJG announced that Tom Gallagher, currently chairman of Arthur J. Gallagher International, will take over as interim CEO.
NAIC CHOOSES NEW PRESIDENT-ELECT Missouri Insurance Director John M. Huff has been voted president-elect of the National Association of Insurance Commissioners. The position had been left vacant after Pennsylvania Insurance Commissioner Michael F. Consedine left office in January. As president-elect, Huff plans to prioritize technological developments in license applications, renewals, complaints, enforcement actions, and board and commission nominations.
www.ibamag.com
12-13_Intelligence-SUBBED.indd 13
13
13/03/2015 6:04:41 AM
UPFRONT
TECHNOLOGY UPDATE NEWS BRIEFS
Progressive security holes put 2 million UBI users at risk A security researcher at Digital Bond Labs raised concerns Progressive Insurance’s Snapshot telematics devices boast dozens of security flaws that could be exploited by hackers. According to Corey Thuen, Progressive does “nothing to encrypt or otherwise protect the information [it] collects,” and as such, “it would be possible to intercept data passed between the dongles and the insurance providers’ servers.”
All five CIC institutes now online Insurance agency employees seeking the Certified Insurance Counselor [CIC] designation or continuing education credits now have access to all five CIC institutes online. Participants will use live webinar sessions and optional self-quizzes and discussion postings to complete the courses, which provide CE credit in most states and meet requirements for updating CIC and CRM designations – up to two years of update credit for CISRs and CSRMs.
TrustedChoice.com sees record-breaking traffic TrustedChoice.com, a site that allows consumers to search for independent agents online, saw a record-breaking 205,000 visitors in January. The services also generated 7,954
14
leads and garnered 3,800 referrals for affiliated agents. The site was created through an alliance of the IIABA, state associations and insurance carriers to protect the distribution channel as consumers move toward online shopping.
Becoming digital could slash expenses, report says A new report from Morgan Stanley and Boston Consulting Group suggests that becoming a fully digital company could cut an insurer’s combined ratio by 21 percentage points, slash expenses by 10% of premiums and claims by 8%. Analysts cited German insurer Allianz as a trendsetter in industry technology. The company is said to be investing as much as $569 million annually in digital initiatives involving big data, mobile technology and social media.
Tech not an incentive for young insurance agents Contrary to popular belief, technology isn’t a prime motivator in a young insurance agent’s decision to join a company, a new survey from Vertafore revealed. Just 51% of millennial respondents rated technology as “very important,” behind factors like work/life balance and enjoyment of work. However, agents agreed that technology contributes to job satisfaction in terms of flexibility and opportunities for career growth. “Technology is important, but in an age group of people that grew up with it, it is expected … and less of a differentiator than we thought it would be,” said Guy Weismentel, Vertafore’s VP of marketing.
Are telematics coming to commercial insurance? AS THE USE of big data continues to influence pricing models for auto insurance, one actuary with Towers Watson foresees a nottoo-distant future in which the principles of telematics are brought into the small commercial and homeowner space. “With the use of big data and usage-based insurance, actuaries are looking more at causal relationships rather than just corollaries,” says Ron Kozlowski of Towers Watson. “Now, you’re not getting this rate because you’re married or because you’re 28, it’s based
“With the use of big data and usage-based insurance, actuaries are looking more at casual relationships rather than just corollaries” on the way you drive – and there’s been talk about whether or not it could be applied toward small commercial risks or towards homeowners’ products.” Kozlowski imagines that UBI-like devices used to assess homeowner habits will function something like Nest, the remote thermostat and alarm system controller. If mobile apps allow homeowners to take more control over their loss exposures, the technology could pay dividends when it comes to a client’s insurance bill.
www.ibamag.com
14-15_Tech-SUBBED.indd 14
13/03/2015 6:05:11 AM
“If you can do things for your home – for example, remotely turning on the heater on a cold night when there is the potential for pipes freezing – that could save you in the long run,” he said. “It’s not like customers are driving their home, but it could potentially collect information on how many hours they’re there or how often they use the kitchen.” Kozlowski believes the use of telematics-like devices for the home or office is still “further out,” but said he wouldn’t be surprised if the offering starts to emerge in coming years. And the data will be valuable not only in terms of the discount it could potentially give customers. Cory Gooch, senior enterprise risk management consultant with Towers Watson, said that by having catalogued and digitized access to this type of data, companies could improve their own risk control techniques. “We’re already seeing some corporate clients take big data and use it to manage their own exposures internally,” Gooch commented. “Many companies have years and years, thousands and thousands of records of casualty losses that they use to change the way they provide safety and wellness programs within the business. That really increases your ROI if you can predict where your future losses may come from, and drive the programs you want to emphasize.”
USAGE-BASED INSURANCE: FAST FACTS
18-20
Insurance carriers who currently offer UBI capabilities to their policyholders
47%
Percentage of the driving population said they would not be interested in UBI under any circumstances
2/3
Drivers aged 21-29 who said they would be willing to try UBI in exchange for a policy discount Source: Deloitte, “Overcoming speed bumps on the road to telematics”
Q&A: The cyber threat TIM SANDER Senior vice president of information technology Applied Systems
With cyber attacks increasingly making headlines, IBA talked to Tim Sander and Michael Howe of Applied Systems about how businesses can be better prepared IBA: How concerned are customers about the threat of a cyber attack?
MICHAEL HOWE Senior vice president of product management Applied Systems
Tim Sander: I would say they’re not concerned enough. … One of the risks of these mega disclosures is that they can lure people to believe that cyber attacks only go against those mega agencies or mega databases, and that smaller organizations are immune to this threat. And that is absolutely not true. With the proliferation of malware and other things today that are being targeted against every email address on the internet, small company data is at as much or more risk than large company data.
IBA: How big of an issue are cyber attacks in the US? TS: It’s a big problem, and it’s not what we used to think about in the old days of security of ‘put up a good perimeter firewall, and you can keep the bad guys out.’ It’s like locking the front door of your house. That only does so much when you have these little rodents that can get in through every crack and crevice and then take little bits of information out through those same cracks and crevices. And it’s that unknown risk – of what is really running in your environment and how protected are your machines and how protected is that data – that causes the biggest threat to small businesses today.
IBA: What are the most serious consequences of an attack? TS: The [most impactful] consequence would be having to give a public disclosure that confidential, personally identifiable information has been disclosed. Insurance is a business built on trust. If [an agent has] to turn around and disclose to their insureds and their prospects that personally identifiable information has potentially been breached, that erodes trust…
IBA: What should insurance industry professionals be doing to address cyber threats? Michael Howe: We encourage all of our customers to take their operational systems and move them into the cloud. … There are customers who choose to have their software and all their systems on their premises. Their machines are in a closet down the hallway, and they take all of the incumbent risk that goes with that. Our customers’ core business is not being the expert in IT security, so they take a huge risk when they manage that and undertake that themselves. Our recommendation for all of our customers is to let us do that for them. Take advantage of our data centres, take advantage of our security layers and allow our expertise as a partner for them to protect them against some of these risks.
www.ibamag.com
14-15_Tech-SUBBED.indd 15
15
13/03/2015 6:05:15 AM
UPFRONT
WORKERS’ COMP UPDATE
Brokers lead in customer satisfaction
CUSTOMER SATISFACTION with workers’ comp carriers is lagging, but independent insurance brokers are rated more highly by commercial insurance customers than any other commercial lines insurer, a new report from J.D. Power and RIMS reveals. The report asked US and Canadian risk managers with large businesses ($100 million or more in annual revenue or operating budget) to identify best practices and rate their satisfaction with brokers and carriers operating in workers’ compensation, auto insurance and commercial property. Brokers came out on top, with an overall
NEWS BRIEFS
16
satisfaction score of 854. Property insurers followed with a score of 821, trailed by auto (811) and workers’ compensation (746). Broker satisfaction was evaluated on four factors: ease of contacting, reasonableness of fees, advice and guidance in selecting program offerings, and timeliness of resolving contact. One key performance metric was providing at least two in-person interactions each year. Eighty-one percent of customers said they have at least two in-person interactions with their broker, and overall satisfaction declined by 73 points among those who say
Tennessee moves to opt out of mandated workers’ comp A bill introduced in the Tennessee state Senate in February would give private employers in the construction or coal mining sectors the option of forgoing the state-mandated workers’ compensation program by setting up their own injury benefit plans, “subject to minimum benefit mandate, financial security review and other employee rejections.” Supporters of the so-called ‘Tennessee Option’ say it would help business owners save more than 50% on workers’ comp costs thanks to the statutes, paperwork and litigated decisions that accompany the current state system.
they did not have these interactions. Timothy Bebout, commercial insurance practice leader at J.D. Power, said the survey results act as “a testament to the value the agent brings to risk managers.” “The results really drive home the importance of the service aspect among brokers,” Bebout says. “There was a high degree of satisfaction among brokers because of the responsiveness of the brokerage community and their knowledge of the business.” One area in which brokers may need improvement is in their handling of enterprise risk management (ERM), which the report identifies as “a more prevalent risk management function” at many large organizations. Among risk professionals with ERM responsibilities, overall satisfaction with both brokers and insurers on ERM was a low 541. “The report findings suggest that risk professionals who are responsible for ERM are underserved by insurers and brokers in this area,” Bebout says. “There is an opportunity for insurers and brokers to provide greater support and resources to customers in organizations that use ERM practices.”
“The results really drive home the importance of the service aspect among brokers” Connecticut to cover mental and emotional distress? State lawmakers in Connecticut are pushing to expand the state’s workers’ compensation program to cover mental and emotional fallout among employees as a result of “extreme workplace violence.” Qualifying events would include witnessing the death or maiming of another person in the workplace, or its immediate aftermath. Under the stipulations of the proposed law, coverage would be dependent on a diagnosis from a licensed psychologist or psychiatrist. Previous measures to expand coverage under the law have failed.
www.ibamag.com
16-17_WorkComp-SUBBED.indd 16
13/03/2015 6:05:42 AM
Q&A: Exploring the Tennessee Option A new bill in Tennessee could make state-mandated workers’ comp optional. Richard Evans of the ARAWC sheds some light on the subject RICHARD EVANS Executive director Association for Responsible Alternatives to Workers’ Compensation [ARAWC]
IBA: What was the framework that eventually led to the introduction of the Tennessee Option? Richard Evans: We’ve had what we call non-subscription … in Texas for about 100 years. It’s always been voluntary here … whether to elect to have workers’ comp insurance or not. But over the last 25 or 30 years, we’ve really seen that option here develop into a pretty mature insurance product, where large employers in the state are electing not to purchase traditional workers’ comp, but they have their own occupational benefits plans, most of which are self-insured plans. And they have similarities to workers’ comp insurance, whether covering costs of medical care, and wage replacement for injured employees. They’re just not within the traditional workers’ comp system.
IBA: What role has the ARAWC played in the process in Tennessee? RE: What we want to be able to do at ARAWC is to work with states to develop something that is unique for their state. Our role is really to come into a state that we think is a good opportunity for option legislation, and to work with the local business community and legislative leaders to develop a plan that works for their state. We wanted to go to states where workers’ comp system costs were high so that there would be good opportunities for the employers there to see some cost reductions, and
Workers’ comp insurer expands in Midwest, South Sagamore Insurance Co. expanded its workers’ compensation program to six states in the Midwest and South. The company, which underwrites accounts up to hazard grade G and includes endorsements for all states on each policy, now has a presence in Tennessee, Kentucky, Oklahoma, Mississippi, Kansas and Arkansas, in addition to its existing availability in Indiana and Missouri. Sagamore, which is a unit of Baldwin & Lyons Inc., insures accounts of up to $125,000 in premium.
where the political environment was conducive to option legislation – where there was a strong sense in the business community that they wanted something like this, and from legislators that they would welcome this kind of free market alternative to workers’ comp. Tennessee was the first state that ARAWC decided would be an option state for us to advocate for legislation there. It fit all the criteria.
IBA: Why is the ARAWC supporting this particular bill? RE: There are a couple of core principles that their legislation has that we think are very important in any option bill: medical management control and employee accountability. The employee accountability is a key piece to this. That’s going to be something that, we think, is going to be determined by the employer. They’re going to set up their guidelines, but we feel like their legislation [in Tennessee] is going to give them the flexibility to have policies that require reporting of injuries in a timely fashion. [And] then medical management control … we want the employer to have the ability to send the employee to the best possible doctors. If you ask the employers why they get good outcomes, it’s because they get their employees to the best doctors quickly, get their treatment so that it’s not delayed, and then get them back to work in a much faster fashion.
Oil and gas companies accused of dodging payments Prominent oil and gas companies in North Dakota are said to owe the state more than $800,000 in unpaid workers’ compensation premiums. Companies in North Dakota cannot be sued in the case of employee injury or death, but they must pay costly insurance premiums, thanks to an employment death rate more than six times higher than the national average. “Either we have companies that come here and take advantage of the system, or we have companies that are just not being properly monitored,” said state Senator George Sinner.
Ride-sharing companies may have to provide comp benefits Drivers for ride-sharing services Uber and Lyft may soon be entitled to workers’ compensation benefits. Two lawsuits allege that company drivers are employees – not independent contractors – and as such, are entitled to comp benefits through their employer. The NCCI is watching the case closely, having identified ride-sharing as an emerging issue. “There is a perceived gap in insurance coverage between when a commercial and a driver’s personal auto policy are expected to cover unplanned accidents,” the organization said.
www.ibamag.com
16-17_WorkComp-SUBBED.indd 17
17
13/03/2015 6:05:48 AM
PEOPLE
INDUSTRY ICON
TEAM PLAYER
Fred Eppinger, president and CEO of The Hanover Insurance Group, reveals how a strong team can transform an organization and bring about outstanding results FRED EPPINGER is a passionate man – passionate about his industry, passionate about the business he’s led for the past 12 years and passionate about the work he and his 5,100 employees undertake in the communities they serve – and he isn’t shy about singing the praises of his 163-year-old organization, headquartered in Massachusetts. He’s not the only one. The company has been recognized several times as one of the Best Places to Work in Insurance, most recently in September 2014. “When you look at the survey results, it’s not a minor thing,” Eppinger says. “Our people are proud of our company.”
In the beginning Eppinger came to insurance via a circuitous path. He started out as an accountant after graduating from the College of Holy Cross in Worcester. “[Accounting] wasn’t something I loved,” he says. “I went to business school, and from business school went on to consult with McKinsey [& Company], where I provided counsel to CEOs of the leading insurance companies at the time.” At McKinsey & Company, Eppinger was given the opportunity to lead the firm’s insurance practice, and that’s when he decided insurance was the industry for him. “It is absolutely so important to the economy and the facilitation of making things happen,” he explains. “You really can’t build anything or do anything without the involvement of insurance. It really allows people and businesses to take risks, and I liked that. “The second thing I really liked about it was
18
how … it’s very intellectually stimulating and challening. To be able to get an assessment of risk and be able to price that and really figure out how to package that was really quite intriguing.” The opportunity to connect with people was the final piece of the puzzle for Eppinger. “I loved the notion that it required people leadership, people involvement, people engagement, and right from the beginning when I started working in it, I found the people to be terrific …”
“Things change in our industry, and it may be quiet change, but it’s profound” Company turnaround Eppinger arrived at The Hanover in 2003, at a time when the company was struggling, having been downgraded by the rating agencies. “It was an institution that had been around, done a lot of great things, and it was really quite troubled,” he says. “The significant problems of the life insurance business took away from the P&C company’s history and threatened its survival.” Twelve years later, the picture is distinctly different. Under Eppinger’s leadership, The Hanover has transformed from a regional to a national company; it now has a total of 5,100 employees working in the US and abroad. The company has made significant investments across its organization, building what it consid-
ers to be one of the best teams in the industry, strengthening its financial foundation, expanding its product portfolio and its geographical reach while reducing the size of its agent distribution network. Eppinger credits his high-calibre team with
THE HANOVER BY THE NUMBERS Longevity: The business began in 1852, when The Hanover Fire Insurance Company opened in Manhattan at Hanover Square. The Hanover is one of the 40 oldest companies listed on the New York Stock Exchange. Strength in numbers: The Hanover has 4,300 employees in 41 offices in the US and another 800 employees in eight international offices. Selecting the best: The company works with a select group of 2,200 agents and brokers, providing them with significant franchise value to help improve their economics. Community service: The Hanover is committed to contributing to the communities where its employees live and work – the organization is involved in a range of volunteer activities. The company and its employees contribute around $1.5 million a year to United Way, among other contributions.
www.ibamag.com
18-21_Industry Icon-SUBBED.indd 18
13/03/2015 6:06:14 AM
“We’re not the biggest, but we tend to be successful because people understand how they contribute … and how they are part of this”
www.ibamag.com
18-21_Industry Icon-SUBBED.indd 19
19
13/03/2015 6:06:23 AM
PEOPLE
INDUSTRY ICON successfully repositioning The Hanover and earning the trust of its agent partners. “What the team has done is one of the really interesting and great stories of our industry,” he says. “We have now been upgraded multiple times by all the rating agencies. As a matter of fact, we were the only company in America during the financial crisis that was upgraded by all three rating agencies. And we have been, for the last five years, one of the fastest-growing P&C companies in the industry and one of the most unique.” The Hanover is currently one of the top 30 P&C insurers in the US. It prides itself on providing tailored product solutions to customers, distributed through a select network of agents. “[What’s] been accomplished is extraordinary,” Eppinger says, “and it’s been because people have come together, they’ve rallied around the vision of the institution and done something pretty special. We’re one of the most talked-about insurance companies because we’re pretty unique in what we do – distributing our products and services exclusively through our select network of independent agent partners, helping them sell value and improve their economics.”
“We’re 163 years old, but we act like we’re a start-up. We’re trying to build our business and get better every day so we meet or exceed the expectations of our partners and their customers” nesses you’re not in … I tell people that if you can’t tell people what you’re not in, you don’t have a strategy. Our strategy is very clear. It’s all about building select, mutually beneficial relationships with our agent partners, providing franchise value, innovative products, responsive service and expertise, helping them build their businesses. “[You’ve] got to talk about [strategy] more, and more people have to know about it,” he continues. “I meet every new employee who joins the company within their first year here. It’s
important, because for us … we’re not the biggest company out there, but we are successful because people understand how they contribute and create value.” That approach clearly has worked at The Hanover. “If you talk to our people, one of the things I think that cuts across all of our people is this sense of ownership of the place and a commitment to strategy,” Eppinger says. “Our people believe they made a difference here because they did. We’re better because of them.”
MAKING A DIFFERENCE IN THE COMMUNITY
FE
Strategic direction Part of The Hanover’s value proposition is that it works with a select group of approximately 2,200 independent agents and brokers across the country. “We spend probably more time with our independent agents than anybody else,” Eppinger says. “We do more in-depth planning with them… We understand them and their business. We care about them, and they care about us. We think the independent agent is not only viable, but is absolutely critical to the value-added segments.” Another key element of The Hanover’s strategy is that Eppinger and his team think of the organization as “the oldest start-up in America,” as he puts it. “We’re 163 years old, but we act like we’re a start-up,” he says. “We’re trying to build our business and get better every day so we meet or exceed the expectations of our partners and their customers.” Eppinger says that having a strategy for moving forward is more important in insurance today than it has been in the past. “All I mean by that is clarity in what you’re trying to achieve and what businesses you’re in, and what busi-
20
Being involved in the community is an important part of the business for Fred Eppinger. “Our involvement in our communities … is a big part of who we are,” he says. “I believe that great people think beyond themselves. We don’t require that everybody participates, but it’s remarkable how many people do. It’s not just the money. It really is the impact. “There’s this instinct that people have when they think about insurance companies, and it’s not all good … so my view is that this puts us above the fray. When people talk about our company, they think, ‘Wow! That’s a great company.’ Yeah, they know it’s an insurance company, but it makes people feel great because people think about us as an institution that really makes a difference. The governor of Massachusetts just finished his time in office, and he came out to see me. … He came up to my office, and he said, ‘I’ve got to just thank your company for all you guys do for the community.’
www.ibamag.com
18-21_Industry Icon-SUBBED.indd 20
13/03/2015 6:06:28 AM
IBA_Upc
www.ibamag.com
Insurance Business America is the independent voice for the insurance industry, encompassing news analysis, expert opinion, exclusive interviews and business strategy advice for today’s sophisticated insurance brokers, agents and advice professionals.
KNOW ANYONE WHO SHOULD BE READING INSURANCE BUSINESS AMERICA? IBAMA G.COM
FEATUR E / THE
PE THE SHA OF AGENETS TO COM
CHANG ING WORLD
about to and brokers is ates rance agents stig The world of insurm. Insurance Business inve ld g wor radically transfoto do to thrive in a changin d Casualty nee Property and you of t wha The Evolution of the Future:
saying ution. the Agency are g today is not Insurance Distrib WHA Insurance agents are playin Producers at ago, specifically “The role that comfort zones. ding 20 to 30 years an, goodbye to their e, Ore., is expan they played ,” says Rob Hartm based in Eugen ping role on and pricing The agency, lines and develo in risk selecti commercial of those lines: the report. its focus on the front line co-author of lization within on be for specia to of buses, used undernew areas for taxis and “The agent of a policy, had n insurance transportatio riting and pricing tions of homes, knew very underw an. ity, did inspec example. agents who were ss,” says Hartm writing author busine , we have had stayed the rically they er, knew “Histo given that lization and for that today, logy the custom areas of specia lot less need in small ation techno a used to their ’s singly inform “There y 50 Vince Ada, lines—and increa to more of a there,” says ys approximatel all personal g which emplo s are movin in what in task is director at WHA, ercial—carrier sit comfortably , where the You comm you can’t just riting model or eight years. people. “But and answer black-box underw in the last five an application tely fill out you have done ries.” ss or 10 to 20 yees to accura multiple indust about the busine have to learn additional emplo how you drive to 60 questions ly hired eight and the car and help the 50 WHA recent ons about you logies that will questi techno ers. enting are and is implem that’s it.” vely with custom by carriers t more effecti efforts it—and hannel or direct sales company interac up its marketing Multic insurance, which also stepping ercial y, and auto ing al and comm The agency is increasing steadil of premiums, is becom sales in person are also for 70% in order to grow measures to boost efficiency. says. Carriers is accounts d, Hartman matic of what lines, and is taking the industry commoditize ence is emble sively, with ze insurance ising. more aggres WHA’s experi year on advert small and mid-si US. Many marketing a many $6bn at than s are happening across the spending more al auto, carrier ms were brokerages logy-driven, notably person of all P&C premiu ndent lines, techno agencies and nt, some s. In more efficie and broker written by indepe specialized. They competing with agents are becoming ercial lines and ting. agents 2013 2013, focused on comm new approaches to marke Share Report Source: Market ping pendent Insurance T CHANNEL are also develo able hole in A.M. Best/Inde little choice. Brokers of America the THE DIREC have punched a notice larger Agents & They may have economics of sales is growing signs that the unravel,” Direct al auto, and the hole to ing “There are model are beginn report, Agents person 11 MBER 2013 | traditional agent sey & Co. NOVEMBER/DECE a recent McKin according to
57%
10 | NOVEMB
ER/DECEMBER
2013
• In-depth analysis of the latest issues affecting insurance brokers and agents • Expert columnists addressing aspects that impact your business • Exclusive interviews with the industry’s most important players • Our own rundowns of America’s best brokerages and insurers • Analysis of insurance industry reports and research findings • The latest changes in insurance legislation and what you need to do next • Industry photography of the key figureheads and insurance events
To subscribe to Insurance Business America, email subscriptions@keymedia.com. or call 720-316-7373 www.ibamag.com Insurance Business America is proudly brought to you by Key Media
18-21_Industry Icon-SUBBED.indd 4 21 IBA_UpcomingIssues_FP_ad.indd
13/03/2015 6:06:34 AM 2/12/2013 7:23:55
s
JUST A FEW years ago, many in the industry thought that managing general agents would have a minor part – if any – in the business. Today, that’s changing rapidly, and MGAs are more popular than ever with carriers. “Ten years ago, the industry thought the MGA would get phased out, and the complete opposite is starting to happen,” says Roger Ware, president-elect of the American Association of Managing General Agents [AAMGA], an organization of MGAs from both the US and Canada. But what advantages do MGAs offer to individual agents? IBA asked hundreds of producers to rate the importance of key aspects they look for in MGAs, including premium pricing, underwriting turnaround/responsiveness, automation, reputation, market access, claim turnaround/responsiveness and range of carriers. The survey also asked producers to rate the performance of their MGAs and provide specific details about how MGAs could improve their services and offerings. While MGAs rated well overall in most categories, producers saw definite room for improvement. Compared to their performance in last year’s IBA survey, MGAs fell in producers’ estimations – by small but significant margins – in every category but one. And when respondents felt their MGAs were falling down on the job, they weren’t shy about expressing their opinions. Some producers fretted that MGAs didn’t seem to value their business. “It would be nice to be treated as a valued client by one of my MGAs,” wrote one respondent. “It seems that they have gotten so big that my business is not really valued as I feel it should be, since I am a steady and consistent producer both in the association, worksite and individual marketplace.” “The skill set between staff members can be drastically different,” wrote another respondent, “and it seems they want to say no
instead of finding a way to say yes more often than not.” Concerns also were raised about product offerings. Some MGAs broadcast too many lines of business, resulting in quote failures and wasted time for producers. “Don’t tell us you have markets for everything and offer declinations,” wrote one frustrated respondent.
How important are the following criteria? Underwriting responsiveness/turnaround time 9.52 Claim responsiveness/turnaround time 8.83 Range of carriers 8.56 Premium pricing 8.51 Reputation 8.35 Automation 8.00 Marketing support 7.58 0 Not Important
2
4
6
8
10 Very Important
8
10 Excellent
How would you rate your MGAs in the following areas? Underwriting responsiveness/turnaround time 7.05 Claim responsiveness/turnaround time 6.89 Range of carriers 7.42 Premium pricing 7.63 Reputation 7.83 Automation 6.82 Marketing support 6.17 0 Poor
2
4
6
www.ibamag.com
22-27_MGAs-SUBBED.indd 23
23
13/03/2015 6:07:17 AM
FEATURES
COVER STORY: PRODUCERS ON MGAS
UNDERWRITING RESPONSIVENESS
Importance to producers: 1st MGA performance: 4th Survey respondents were clear that underwriting responsiveness was the most important thing to look for in an MGA. Overall, producers rated underwriting responsiveness 9.52 out of 10 in importance, and more than 77% of respondents ranked it at 10. Indeed, this was the only category that more than half of respondents rated at 10. With producers agreeing that underwriting responsiveness is the single most important performance metric to them, how do MGAs stack up? Well … decently. Survey respondents rated their MGAs at an overall 7.05 in the category – a fairly good score, but not necessarily a glowing endorsement. It’s also 0.41 lower than last year’s score of 7.46 out of 10. Many respondents directly criticized their MGAs’ underwriting turnaround times. “Underwriting turnaround and competence need to improve dramatically,” wrote one respondent. “If changes are being made to their program, this should be discussed with their brokers to see if the changes make sense. I sometimes get the feeling that it depends on which way the wind is blowing, what the decision or the price on a risk will be.” “If they say, ‘In before 2 p.m., out before 5 p.m., that is what I would expect,” wrote another. “Yet I have waited 48 hours, 72 hours, almost two weeks to get a quote back from them. And when I follow up with emails, sometimes those aren’t even returned.”
WHAT’S CHANGED SINCE LAST YEAR? In last year’s survey, MGAs fared slightly better in most categories Underwriting responsiveness/turnaround time 7.46 Claim responsiveness/turnaround time 7.37 Range of carriers 7.62 Premium pricing 7.64 Reputation 8.1 Automation 6.98 Marketing support 6.66 0 Poor
24
2
4
6
8
10 Excellent
Clearly, MGAs face high producer expectations when it comes to underwriting responsiveness and turnaround times – and failing to live up to those expectations can mean losing business to the competition, says Matthew Letson, president of AAMGA. “I think because of the nature of the MGA-based business, we’re under a greater amount of pressure for quality service and quick turnaround, because that’s what can separate us from other MGAs in our space,” he says. Ware, meanwhile, says the best MGAs can actually beat the turn times of large carriers. “From an underwriting perspective, on smaller business, I think MGAs are faster than a Travelers, faster than a Hartford,” he says. “We’re just built that way. We move quickly, we make decisions quickly. … I’ve done both sides of the spectrum, and we move much quicker. In fact, when we hire a standard lines underwriter, we worry that they won’t be able to move at [our] pace.”
CLAIMS RESPONSIVENESS
Importance to producers: 2nd MGA performance: 5th While most producers found underwriting responsiveness to be the most important factor when rating their MGAs, claims responsiveness was a close second, separated by just 0.68 points. Almost half of those who took the survey gave claims responsiveness a rating of 10, while another 17.46% rated it at a 9. This means that more than 66% of those surveyed felt claims responsiveness was extremely important. And that makes sense: How quickly – and how well – an MGA handles claims can set it apart from its competition. However, most respondents felt MGA performance in this area was fair at best, rating it at just 6.89 out of 10. While that’s not a bad overall score, it represents a relatively significant drop from last year’s score of 7.37 out of 10 – so there’s definitely room for improvement, according to survey respondents. Producers felt MGAs with subpar claims support reflected poorly on them and hurt the consumer. “Claims support is nearly nonexistent,” one producer complained of his MGA. “As a producer and a firm focused on service, it is extremely frustrating working with an MGA [that] is more concerned with maintain their own direct relationship with the carrier than stepping up and aiding the insured.”
www.ibamag.com
22-27_MGAs-SUBBED.indd 24
13/03/2015 6:07:26 AM
“I think because of the nature of the MGA-based business, we’re under a greater amount of pressure for quality service and quick turnaround” Matthew Letson, president, AAMGA RANGE OF CARRIERS
Importance to producers: 3rd MGA performance: 3rd Most respondents attached a lot of importance to the range of carriers MGAs offer. Happily, MGAs performed quite well in this area; respondents gave them an overall rating of 7.42 out of 10. That’s a marginal drop from last year’s survey, when respondents rated MGAs at an adjusted 7.62 out of 10. Still, it’s a respectable score overall. And a good thing, too – access to a broad range of carriers is one of the principal advantages of MGAs, says Ware. “We have access to a lot of markets,” he says. “We don’t do it just for one company. We do it for multiple companies. If something doesn’t fit into a standard carrier’s portfolio of what they like to write – which is typically your more difficult-to-place business – we can typically do those types of risks pretty quickly through what we call our binding authority platform, which is the contracts we have with those carriers. … So we’ve got the choice. We know the pricing of 10 different carriers or more. We know what goes into what retail agents are looking for. We have the underwriting knowledge to put them into a market that can give them the terms and conditions and pricing they’re looking for.”
PREMIUM PRICING AND REPUTATION
PREMIUM PRICING Importance to producers: 4th MGA performance: 2nd REPUTATION Importance to producers: 5th MGA performance: 1st While producers didn’t consider premium pricing as important as some other factors, they still placed a great
deal of emphasis on it, rating it at 8.51 out of 10. Happily, MGAs did well overall in that area; survey respondents gave their MGAs an overall rating of 7.63. That’s virtually identical to their adjusted score of last year. Producers also said that an MGA’s reputation was an important factor in their decision to do business with them. Fortunately, MGAs are doing very well in that area, garnering a score of 7.83 out of 10. That’s not quite as good a score as the adjusted 8.1 out of 10 producers gave their MGAs last year.
AUTOMATION AND MARKETING SUPPORT
AUTOMATION Importance to producers: 6th MGA performance: 6th MARKETING SUPPORT Importance to producers: 7th MGA performance: 7th Producers considered automation and marketing support the least important benefits offered by MGAs – but that doesn’t mean they were unimportant. Survey respondents felt automation was crucial enough to rate it 8 out of 10, and marketing support was less than half a point behind at 7.58 out of 10. As consumers themselves, producers have plenty of experience with other industries that offer high levels of automation technology and marketing support. Naturally, they expect similar capabilities in the MGAs with which they do business. So how do producers feel MGAs are performing in these areas? Unfortunately, the answer seems to be “just okay.” MGAs rated 6.82 out of 10 in automation and just 6.17 in marketing support. Worse still, MGAs actually slipped in producers’ estimation from last year, when they scored an adjusted 6.98 out of 10 and 6.66 out of 10 on automation and marketing support, respectively.
www.ibamag.com
22-27_MGAs-SUBBED.indd 25
25
13/03/2015 6:07:34 AM
FEATURES
COVER STORY: PRODUCERS ON MGAS
Agents to MGAs: 8 WAYS YOU CAN DO BETTER The following are comments from agents who completed the MGA survey, providing some insights on key areas of concern and how MGAs can be better partners:
1
“Knowledge of coverage is lacking. Review of applications and coverage needed is lacking. Quite frequently we send in a submission for Company X requiring Coverage A, B and C. … Upon review, many MGAs release a quote to us with Coverage B and C only.”
2 3
“Quicker response and keeping the agency up to date on new opportunities.” “I think it is difficult when an MGA also conducts retail business. One of my MGAs, I believe, has lost some of its focus on the independent LTC specialist while working more with life insurance and financial brokers. We miss the direct connection with carrier materials and are directed to the carrier websites, which frankly, we can do without an MGA.”
4
“Prescreen the quotes before they send [them] to the broker – including all the bells and whistles and forms we need to be able to sell a quality product, not take shortcuts to get the best price.”
5 6
“Have the ability to use carrier portals during the closed enrollment timeframe.” “Keep their sales and internal staff longer. It seems to me that there must be a revolving front door that they just cycle the employees in and out [of] when they get good and we start to build a relationship.”
7
“MGAs forget that agents are their customers, and without agents they would not be in business. They make the same amount of money we do on an account – and sometimes even more than we do – but provide terrible service and inaccurate work.”
8
“They should be able to interpret the coverage forms offered to highlight coverages afforded from those excluded.”
26
“Ten years ago, the industry thought the MGA would get phased out, and the complete opposite is starting to happen” Roger Ware, president-elect, AAMGA The future of MGAs So what does the future hold for MGAs? While there’s room for improvement, most respondents rated their MGAs highly overall. One respondent even went so far as to note that his MGAs “provided the very best service in all the areas noted.” And MGAs themselves continue to evolve. Most agents have noticed that MGAs are specializing more and more in certain niche markets in order to differentiate themselves from their competitors. That’s a trend Ware expects to continue. “There’s always going to be room for a generalist, but I think we’ll see increased opportunities for specialists,” he says. “Being a program manager is probably the future for MGAs – becoming more entrenched in specific risks and becoming almost a risk manager for the client.” And that specialization can make all the difference for producers, Letson says. “If you’re a retail insurance agent and have a client come into your office with a type of risk that a standard carrier wouldn’t want to insure – excess wind or excess flood or something – and a standard carrier doesn’t want to write that type of risk, you have another avenue,” he says. “The MGA has contracts with carriers that do write that type of risk. That’s no small thing. Sometimes it might be that one small coverage in the entire portfolio that’s keeping them from writing the entire account. Sometimes it’s the final piece of the policy. It might not just be that $5,000 policy – it might be the lynchpin of a $100,000 portfolio.” And while they still have room to grow, Letson says MGAs continue to be an important piece of the insurance puzzle. “The MGA distribution system adds tremendous value for retail agents and clients,” Letson says. “There’s going to be more of it. I think the future’s bright.”
www.ibamag.com
22-27_MGAs-SUBBED.indd 26
13/03/2015 6:07:40 AM
IB
Your favorite insurance magazine
is now available on your iPad Download today at the app store!
How do you want your news? We have you covered: ibamag.com – desktop & mobile, daily e-newsletters, monthly magazine, and now – tablet. The #1 source for the commercial insurance industry 22-27_MGAs-SUBBED.indd 27
IBA_About_FP_ad_PCI_Dec_2014.indd 4
13/03/2015 6:07:49 AM
13/12/2014 12:50:36 AM
FEATURES
CATASTROPHE INSURANCE
BRACE YOURSELF
From climate change to terrorism, catastrophic events seem to be happening with an alarming frequency these days. Samantha Wright explains how catastrophe insurance is rising to the challenge THE YEAR is still young, and already a 5.7-magnitude earthquake has shaken the coast of northern California, a ‘snowmageddon’ has buried parts of New England, and Islamic militants have rampaged the offices of the satirical weekly newspaper Charlie Hebdo in Paris. As the saying goes, ‘stuff ’ happens, with disturbing frequency. And insurance professionals working in the catastrophe sector are constantly looking for ways to mitigate their clients’ exposure while protecting their own companies from the specter of bankruptcy due to high-risk, low-probability events. “When I think about this industry, it’s a sector that never stops evolving and never ceases acquiring a level of adaptability and creativity,” says Michael Sillat, president and CEO of WKFC Underwriting Managers. “We as an industry challenge ourselves to provide global solutions that tackle the single largest chaotic force on mankind – Mother Nature. What other industry can say that they do that?”
What is catastrophe insurance? The insurance industry defines a catastrophe as either a natural event or an unnatural (manmade) event that is unusually severe in its impact on
28
the country and on society. Property Claim Services [PCS], a division of Verisk Analytics, further quantifies a catastrophe as an event that causes $25 million or more in insured property losses and affects a significant number of property/casualty policyholders and insurers. Typical examples of catastrophe are the three traditional perils – wind/hurricanes, major flooding and earthquakes – each with its own insurance coverage. Beyond these traditional perils, there are also nontraditional, manmade disasters – acts of terrorism, for example, or large-scale power outages. Cyber attacks, oil spills, widespread crop failure due to a drought or weather event – all can be classified as catastrophic if they are unusually severe events. Catastrophe insurance protects businesses and residences against these low-probability, high-cost events, which are generally excluded from standard hazard insurance policies. It varies from other kinds of insurance in that the total potential cost of an insured loss is hard to predict, and a single catastrophic event generally results in huge numbers of claims being filed at the same time. In order to effectively manage these risks, catastrophe insurance issuers use tools like reinsurance and retrocession.
A big market Catastrophic events, by definition, have the capability to reach almost everyone. “I actually struggle to think of an instance where one would be immune to the effects of a catastrophic event,” Sillat says. “These are products which agents and brokers should become familiar with, because cat is becoming more and more relevant as climatic change continues to occur.” Sillat sums up the size of the market in one word: big. “We are talking about the largest sector in the industry, by far – putting life and health insurance aside and looking at the property/ casualty products that are out there,” he says. In 2011, a “pretty active year” for the sector, global cat losses exceeded $308 billion. Of that, about $110 billion was the insured loss. “That is a staggering amount in my mind,” Sillat says. “If you go back in time 10-30 years and take a look at the losses of the insureds back then, the figures are dwarfed in comparison.” The bigger the insurance company, the more likely they are to be a major writer of catastrophe insuarnce. “The sector is so big it really can’t involve any one insurance company,” Sillat says. “It is a part of everyone’s portfolio. “I don’t know what the next biggest catastro-
www.ibamag.com
28-29_Catastrophe-SUBBED.indd 28
13/03/2015 6:09:15 AM
phe is,” he adds, “but I can tell you one thing: The moment that it does occur, and it creates an exposure for insureds, there will be insurance companies investing a lot of money to try to find a way to offer an insurance solution to offset that.”
says CoreLogic expert Dr. Tom Jeffery. These kinds of tools have allowed the insurance industry to move beyond broadly categorizing an entire area as equally at-risk, instead analyzing risk at a granular, parcel level.
Improved risk modeling
How to sell cat insurance
Largely in response to global climate change, the catastrophe insurance sector has become much more technical about how it evaluates risk. Insurance companies today are investing in and employing extremely complex and actuarially driven predictive analytics and at-risk modeling scenarios and software to mitigate the impacts of large cat events – something that wasn’t done 20 years ago. CoreLogic EQECAT uses a catastrophic modeling tool to provide companies with essential data to better evaluate the probability of risk and financial loss from natural hazard events. “Global climate change is impacting
Although catastrophes are happening with increasing frequency, studies have consistently shown that a remarkable number of companies and individuals don’t have adequate – or any – disaster preparedness plans or insurance protection in place for these hazards. Howard Kunreuther of the Wharton Center for Risk Management and Decision Processes has studied this phenomena throughout his career and, through a recently issued brief, has offered several strategies for insurers to alleviate consumers’ behavioral biases with respect to low-probability, high-consequence events: • Provide better information on the role of insur-
“We as an industry challenge ourselves to provide global solutions that tackle the single largest chaotic force on mankind – Mother Nature. What other industry can say that they do that?” Michael Sillat, WKFC Underwriting Managers everything we do,” says Tom Larsen, an analyst with the company. “The way the catastrophe models have been built, they are primarily focused on looking at the history of what has occurred and using that as a solid basis for what will happen in the future. Now, there is a paradigm shift. We are going away from what has happened in the past and going into predictive models based on our understanding of climate change science.” To help flesh out the risk picture, CoreLogic EQECAT uses GIS mapping technology to identify which properties are most at risk for various natural hazards throughout the US. “GIS allows us to layer contributing factors, combine them, and then come up with our assessment of risk,”
ance. The best return on an insurance policy is no return at all. • Focus on the consequences of being uninsured. Describe the financial problems a client would face if her home were destroyed by a disaster or if she were hospitalized due to serious illness. • Stretch the time horizon to make the event more salient. If an event such as a flood has a 1 in 100 chance of occurring next year, present the probability as a greater than 1 in 5 chance of it happening in the next 25 years. • Offer multi-year flood insurance policies. Because regulations in many states prevent insurers from setting premiums that reflect risk, multi-year insurance should be initiated under the federally run National Flood Insurance
INDUSTRY TRENDS CATASTROPHE SAVINGS ACCOUNTS In response to escalating premiums, many people are opting to set up their own catastrophe savings account rather than investing in insurance, setting aside a certain amount of money each year to specifically pay for damages. Some states, including Alabama and South Carolina, offer tax breaks for this kind of savings.
INFLUX OF CAPACITY “Undeniably, we have had some benign cat years in the US, and as a result you have got a lot of this capacity blowing into the space that otherwise has never been here,” Sillat says. This is largely due to the securitization of insurance risk through catastrophe bonds. Cat bonds pay high interest rates and diversify an investor’s portfolio because natural disasters occur randomly and are not associated with economic factors.
WEATHER INSURANCE In response to extreme weather conditions, some insurance companies, including WKFC, now sell business income protection insurance to protect against weather events. “While weather insurance cannot guarantee good weather, it can protect the bottom line,” Sillat says. Coverage is available against severe weather, rainfall, snowfall, lightning, unreasonably high or low temperatures, strong wind and more for a broad range of businesses that are directly impacted by certain kinds of weather. Program, with coverage tied to the property rather than to the current homeowner. When the property is sold, the multi-year insurance contract would be transferred to the new owner. “The thing to remember is that an insured may or may not have a good understanding of what they need in the way of insurance products or how much of any insurance product they actually need,” says Sillat. “I see that as a great opportunity, especially if you are not writing or offering cat insurance today. With a little bit of education and some investment in resources – whether that be experts or educational study – you can really do a service to insureds who are out there and probably don’t understand the insurance product as well as they should.”
www.ibamag.com
28-29_Catastrophe-SUBBED.indd 29
29
13/03/2015 6:09:20 AM
FEATURES
AGENCY INSIGHT
INTERWEST INSURANCE SERVICES In just over two decades, InterWest Insurance Services has grown its annual revenue six-fold. IBA spoke with president and CEO Keith Schuler to find out the agency’s secrets to success IBA: How important do you think it is for an agency to have a commitment to specialization? Keith Schuler: When you specialize in any given industry, you learn how those businesses operate, and you gain a better insight into the issues that they deal with as business owners on a daily basis, which helps you craft the proper insurance programs. From an agency standpoint, it leads to more efficiency, working on a commonality and a core focus on a daily basis.
IBA: How have you been able to build up your various specializations and integrate them into your company culture? KS: You have to have people who are interested and passionate about the industries they are serving. It starts with brokers who are committed to understanding that industry, not only from an insurance perspective, but from a business transaction perspective. Unless somebody has the real drive and the will to chase business in a specific industry class, I think the energy they put into it wanes. We look for brokers who are really interested in certain industry classes, and we try to match that up with the specializations that we have.
IBA: What are you doing to attract and grow your talent? KS: Our recruiting talent comes from the 70
30
producers that we have, who understand our culture and how to be successful within it. It’s 70 sets of eyes looking every day for new talent. We invest in new producers, and we focus on building the next generation. We now have 30 producers under the age of 35 in the organization. That is a large number. They are all at different levels in their career with InterWest. We really pitch it to them that it’s their job, their responsibility to be out looking for the next level of talent.
IBA: It sounds like you value transparency.
IBA: What are you doing to retain the talent that you have?
KS: As an agency, we are getting younger, which runs contrary to the industry. I think people see that. We are young, we are vibrant, and we have a lot of energy. It’s that group of 35-and-unders that are driving the energy of the organization, and it’s contagious. We are also very customer and client-centric. Our focus, time and attention are on the client and what their needs are. The transaction of the insurance policy isn’t the main thing we do. It’s all the other consultative, preventative, and risk mitigation work
KS: We have a booklet we call our Playbook, in which the path to success at InterWest is clearly defined. It’s a 30-page proprietary document that starts with our interpretation of why you would want to come to InterWest and clearly defines a producer’s steps to career development, all the way to how you become a million-dollar producer and how you become an equity partner in the company. It’s a path that everybody understands.
KS: Absolutely. We call it a no-excuse environment. If you come in and you work and you put in the time and energy, and you become a part of the InterWest culture, you should be successful. A document like the Playbook is only as good as the people behind it and the culture behind it. Otherwise, it’s just a bunch of words in a book.
IBA: What do you think makes you stand out as an agency?
How has your agency given back to your local communities? Philanthropy is deeply ingrained in our organization. It’s a focus of our mission statement. We give back, and we do it community by community. It’s not just something that’s run out of corporate. It’s run out of different locations, to serve the different communities in the way they need to be served. Our causes are employeedriven. Whenever an employee has something that they wish to do within a community, if they begin working to solicit donations within the agency, we always match dollar for dollar whatever the staff comes up with.
www.ibamag.com
30-31_Insight-SUBBED.indd 30
13/03/2015 6:09:46 AM
FAST FACTS
“As an agency, we are getting younger, which runs contrary to the industry”
Top specializations: Construction Agribusiness Financial institutions Sport and leisure Transportation Human services
Year founded: InterWest Insurance Services was founded in 1992 as a result of the merger of three large, successful insurance brokerage firms in Northern California with roots dating back more than 100 years. Number of employees: 260 Number of brokers: 70 Number of offices: 7 – all in California. Headquarters location: Sacramento, Calif. Annual revenues: Since it was founded, InterWest has grown from $8 million in annual revenue to more than $50 million. Annual premiums: Exceeding $450 million that we do on behalf of our client, which is what lends itself to really high retentions. We have extraordinarily high retention on our clientele.
IBA: What are your client retention levels? KS: On the top 20% of our book (based on
revenue), we are averaging over 98.5% retention. On the middle 60% of our book, we are averaging roughly 96% retention. And on the bottom 20%, we are averaging about 92% retention. We don’t differentiate between people that have gone out of business versus someone that might go to a different brokerage. If they’re gone, they’re gone.
Number of policies written in 2014: Commercial – 4,000; Personal Lines – 3,000. Financial structure: LLC with 36 equity partners and an outside equity partner in Broad Street Holdings
www.ibamag.com
30-31_Insight-SUBBED.indd 31
31
13/03/2015 6:09:53 AM
FEATURES
MARINE INSURANCE
MAKING WAVES Marine insurance is the oldest form of insurance there is. So what is its role in today’s marketplace? Samantha Wright explores TUCKED AWAY in the ACE USA headquarters in Philadelphia exists the ledger in which the oldest American marine insurance company recorded its very first policy. It was written in 1792 by the Insurance Company of North America – the oldest stock insurance company in the US (and today an ACE subsidiary). “That’s one of our claims to fame,” says Karen Griswold, senior vice president of ACE USA Commercial Marine. “We are very proud of our pieces of history around here.” Marine insurance dates back way before colonial America, though – all the way to the Middle Ages in Europe. It was institutionalized at the legendary Lloyds Coffee House in London, where seafaring men and merchants gathered to haggle over the risk associated with the movement of goods between ports – ranging from
32
piracy to lost cargo to sinking ships. The UK’s Marine Insurance Act of 1906 established the marine insurance sector’s legal foundations, which have since remained largely unchanged. Yet as venerable as it is, the marine sector is anything but quaint. Divided into two main categories – commercial and recreational – marine insurance today covers a broad range of risks both on land (inland marine) and at sea (ocean marine). It encompasses everything from personal watercraft and small boats to the oil tankers and cargo ships that ply the oceans for worldwide trade. It also covers the shipyards and manufacturing plants where they are made, the cargo and crew they carry, and the ports they travel to to around the world. It even covers the distribution
of that cargo to retail and online stores. It is a vast yet specialized sector, and its clients need expert advice to ensure their marine insurance delivers the protection they need – and therefore, it offers a wealth of opportunities for brokers to expand their business.
Who needs marine insurance? Ocean marine insurance – the original marine insurance product – today is a highly specialized niche within the commercial marine sector serving the needs of commercial marine company owners, who together transport more than 90% of the world’s cargo. They operate in a complex, volatile and constantly evolving global industry and demand an unparalleled level of insurance protection to mitigate risks associated with operating a busi-
www.ibamag.com
32-35_Marine-SUBBED.indd 32
13/03/2015 6:10:19 AM
THREE TRENDS IN THE RECREATIONAL MARINE SECTOR
1. Product liability
Product liability for boat manufacturers is becoming a high-risk area in the recreational marine sector; significant legal settlements within the boat manufacturer community over the past three to five years have gotten insurance companies’ attention. It is extremely important that boat manufacturers have a quality insurance product in place that will provide the manufacturer with product liability protection in the event of a lawsuit due to a personal injury – such as a prop strike or carbon monoxide poisoning,” Smith says.
2. Proper valuation of assets
“The challenges of the world become challenges for marine because we are global, transiting through all these different economic and political landscapes” Karen Griswold, ACE USA ness on the peril-fraught high seas. The markets that serve these companies offer sophisticated loss prevention and risk management services for US and global marine exposures. “The challenges of the world become challenges for marine because we are global, transiting through all these different economic and political landscapes,” Griswold says. “It’s a different kind of insurance than what I call ‘the four walls,’ which makes it challenging, but interest-
ing as well.” Key lines of business within the space include ocean cargo insurance (which covers the transit of cargo goods and the myriad ways they can get lost or damaged), hull P&I (liability attached to a ship’s hull) and marine liabilities (also commonly known as comprehensive marine liability policies). The marine liabilities market exists “anywhere there is water – along the coastlines, rivers, lakes,” Griswold says. “Any marine oper-
Smith has found that a lot of insureds and their agents simply accept what their clients’ valuation for their property – including buildings, docks or other assets – has been for many years. In fact, the value often has increased due to the escalating cost of building materials and labor or changes in local ordinances.
3. The changing relationship between the US and Cuba
The warming relationship between the long-estranged countries means that there will be a lot of growth opportunity for marine suppliers, boat dealers and others in the industry, says Smith, who traveled to Cuba on a marine manufacturers’ trip in December. “We traveled to several marinas; they are very much trying to revitalize their recreational boating industry,” he says. “It really is incredible, the potential for opportunity there. It was very exciting.”
www.ibamag.com
32-35_Marine-SUBBED.indd 33
33
13/03/2015 6:10:25 AM
FEATURES
MARINE INSURANCE
MAJOR CARRIERS AND PROVIDERS OF RECREATIONAL MARINE • ACE Private Risk Services/Recreational Marine • Chubb Custom Market • Norman-Spencer with Scottsdale Insurance Company
pleasure craft owners and businesses focused on the recreational boating industry. This market is truly vast; according to 2010 data from the National Marine Manufacturers Association, 75 million people in the US participate in recreational boating. Most boats (except very small ones) are not covered by a homeowners’ policy. Like cars, they require a separate policy that includes coverage
designed to cover contractors who come into a marina or boat dealership to provide a service – painting or waxing a boat, for example.
Growth areas and opportunities While ocean marine insurance does not exhibit emerging coverage issues, the marina business is a growing book of business for ACE.
• CNA • Great American Insurance Group • AIG • Navigators Insurance Company • The Hanover Insurance Group (large provider of harbor risk) • Markel (rental watercraft specialty) • Travelers • Maritime Program Group • Global Partners Insurance Brokers • Burns & Wilcox • Risk Placement Services • Catlin ation along the water will have some type of marine general liability component to it – docking barges, taking in ships at a port or a terminal.” These policies have a GL focus, “but because they are on the water, they are marine-specific,” Griswold explains. “Anything from terminal operators, stevedores (dock workers who load and unload cargo from ships), wharfingers (wharf or pier operators), port operators – all those types of coverages are considered marine liability.” At the other end of the spectrum is recreational marine insurance, which covers private
34
“Our niche goes from the manufacturer of the boat all the way down to the end user” Clarke Smith, Norman-Spencer Agency for bodily injury suffered aboard a vessel, property damage caused to other boats or docks, and physical damage if something happens to the boat itself. A comprehensive coverage package should also cover basic risks like fire, theft, vandalism and, of course, hurricanes. Clarke Smith, president of the marine division at the Norman-Spencer Agency, has spent much of his career providing commercial insurance to folks running recreational marine businesses, as well as providing personal lines of boat and yacht insurance to individual boat owners. “Our niche goes from the manufacturer of the boat all the way down to the end user, and we sell insurance products through that whole line,” he says. On the commercial side, Norman-Spencer has three main sectors of clients: marinas, boat dealers and manufacturers. It also provides insurance for a sub-niche known as marine artisan,
OCEAN MARINE MARKETS ACE American Insurance Company Century Insurance Group Essex Insurance Company Great American Insurance Group Liberty International Underwriters New York Marine & General Insurance Company Zurich Marine Specialty/Foremost Various Brokers - Lloyd’s of London Catlin Risk Placement Services Burns & Wilcox
www.ibamag.com
32-35_Marine-SUBBED.indd 34
13/03/2015 6:10:31 AM
“Anywhere there is a body of water, there could be an associated marina or yacht club,” Griswold says. Smith agrees that the recreational marine industry in general is bouncing back from the downturn it experienced during the recession. At the Miami Boat Show in February, he observed quite a bit of optimism for growth in the industry as people come back to boating. The family-friendly pontoon boat marketplace in particular is growing by leaps and bounds, he says. “And we are seeing a good resurgence in the marketplace for people who build performance ski boats that tow wakeboarders, water-skiers and so forth.” Smith predicts that lower fuel prices will likely inspire more power boat sales this spring and inspire people who already have boats to use them more frequently, which will benefit manufacturers, dealers and marinas – and the insur-
TOP 10 RECREATIONAL MARINE INSURANCE CLAIMS 1. Hurricane 2. Sinking 3. Weather/wind 4. Striking submerged object 5. Fire/explosion 6. Collision 7. Grounding 8. Injury 9. Theft 10. Lightning Source: Seaworthy Magazine/BoatUS
ance brokers who serve them. To thrive as a broker in the marine sector, it really helps to know your way around a boat. “Being a boater for my entire life, when I go into a boat manufacturing plant, I understand how boats are put together,” says Smith, who started sailing at age 7 and today owns a 26-foot Edgewater named Robusto that he keeps in Marblehead, Mass. That leads to a very high degree of credibility with his boat manufacturing clients, which in turn leads to long-term relationships. It also helps, he says, to stay actively engaged in industry associations or to serve as a board member on some of the industry’s leading trade groups. Because the sector is so diverse, many retail agencies may not have the volume of business to keep abreast of the coverage issues. Smith encourages brokers to reach out to the wholesale operators who ply these waters every day.
PENNSYLVANIA LUMBERMENS MUTUAL INSURANCE COMPANY INDIANA LUMBERMENS MUTUAL INSURANCE COMPANY
PARTNER WITH AN EXPERT IN THE WOOD INDUSTRY. PLM/ILM IS THE PREMIER PROPERTY AND CASUALTY INSURANCE PROVIDER TO THE LUMBER, WOODWORKING AND BUILDING MATERIAL INDUSTRIES. Here are some of the benefits of partnering with PLM/ILM: • • • • •
Open Brokerage – No appointment required No Premium Commitments or Contracts Accept Standard Acord™ Applications A- Excellent A.M. Best Rating Commitment to the wood niche – We speak your customer’s language and handle claims effectively and efficiently
For a producer kit or to submit a risk, please contact us at 800.752.1895 or request a kit online at www.plmilm.com.
ONE COMMERCE SQUARE | 2005 MARKET STREET, SUITE 1200 | PHILADELPHIA, PA 19103-7008 MAIN
800.752.1895
FAX
215.625.9097
WEB
WWW.PLMILM.COM
BUILDING PARTNERSHIPS. TOGETHER WE’RE BETTER.
www.ibamag.com
32-35_Marine-SUBBED.indd 35
35
13/03/2015 6:10:41 AM
PEOPLE
PRODUCER PROFILE
BORN TO RUN David Imschweiler has learned a lot about life – and business – from his passion for dogsledding. By Samantha Wright DAVID IMSCHWEILER will never forget the first time he saw the Northern Lights. He was out on the trail of the Yukon Quest dogsled race, near the Alaskan village of Circle City. It was 30 degrees below zero on a crisp, clear night. “You could see through the village, all the chimneys bellowing smoke,” he says. “And looking up to the sky, you could just touch the northern lights – all those colors dancing in the sky.” Insurance is Imschweiler’s livelihood – he runs a family-owned insurance agency in Pennsylvania – but dogsledding is his passion.
36
He got into the “mushing thing” in 2002 when he went to Alaska for the first time as a volunteer for the Yukon Quest, which is widely acclaimed as the toughest dogsled race in the world. Competitors endure frigid temperatures, blizzards and gale-force winds on a 1,000-mile course between Whitehorse, Yukon Territory and Fairbanks, Alaska, that alternates its direction every year. Winners generally finish in eight to 10 grueling days. Stepping off the plane that first time, Imschweiler felt as if he’d entered one of those books about Alaskan trappers that he had loved to read as a kid. He was complete-
ly captivated by the vast, quiet landscapes; the sense of sportsmanship and camaraderie among the competitors; and most of all, by the furry, friendly four-legged athletes that pulled their mushers along the trail. “I used to fly airplanes, skydive and scuba dive,” says the self-professed adrenaline junkie. “And when I got on the runners of a dogsled, I was hooked.”
Mush! When Imschweiler came back home, he joined the Pennsylvania Sled Dog Club. “Before I knew it, I had 24 dogs in my yard,”
www.ibamag.com
36-38_Producer Profile-SUBBED 2.indd 36
13/03/2015 6:11:05 AM
“I used to fly airplanes, skydive and scuba dive. And when I got on the runners of a dogsled, I was hooked” he said. But it all started with one dog named Lakota – the Sioux Indian word for ‘friend.’ Lakota was a Wakon Giant Alaskan malamute, the same kind of dog that once lived with the ancient Inuit peoples in the high Arctic, and that the Vikings used to haul their supply sleds. Weighing up to 180 pounds, Wakons “look like big bears,” Imschweiler says.
Soon, he was hooking Lakota up to a sled to haul firewood from his woodshed to his house. “That’s what started the whole thing,” he says. His pack grew rapidly to eight or so dogs. Then he befriended a musher and over-theroad trucker who had twice that many. The two agreed to house their dogs together at Imschweiler’s place so they could train together on weekends, and split the cost of food and vet bills. Several times each winter, Imschweiler and his mushing buddy would travel to compete in sprint races that were often hundreds of miles away. Despite the long hours of driving, Imschweiler loved the feeling of being right in the thick of it all. “The atmosphere before the start of a big race is electric,” he says. “It’s organized chaos.” From sprinting, Imschweiler graduated
to mid-distance races (from 30 to 300 miles) like the Can Am Crown International Sled Dog Race in Maine and the Midnight Run in Michigan’s Upper Peninsula. The cold, the wind, the dark, the blizzards, the sleep deprivation – Imschweiler doesn’t mind that part of mushing at all. “You don’t think about it,” he explained. “Your mind is so much on the care of the dogs. They feed off of your energy, and as long as you are upbeat and talking to them, they’ll keep on running.” The sled dogs he raises now are a cross between husky and German shorthair pointer – otherwise known as Alaskan huskies or village dogs. They are bred for endurance and cold weather. They might seem a bit on the small side, but when they are active, they consume 10,000 calories a day. Imschweiler buys dog food by the truckload. Although breeding and mushing dogs is expensive, it’s all relative, he points out: “Everyone’s got their hobby. These insurance guys who like to golf – they’re not golfing with a $200 set of clubs. And they belong to country clubs.” Although elite sled dogs go for big bucks, Imschweiler isn’t in it for the money. The name of his kennel is Born to Run. “They are born and die there,” he said of his dozen or so huskies, each of whom he loves like a child. “I’m not into selling dogs.”
The family business Imschweiler hasn’t had as much time for his hobby lately, ever since he took over the insurance agency started by his father, a Hartford insurance adjustor who went on to buy his own agency. There was a time when Imschweiler couldn’t imagine getting into the family business. As a kid, he would sometimes answer the phone at night, “and people would curse and say, ‘Put your father on’ – they were upset about their claims and stuff.” But after serving a dozen years in the Navy, he began working as an agency manager with the New
www.ibamag.com
36-38_Producer Profile-SUBBED 2.indd 37
37
13/03/2015 6:11:11 AM
PEOPLE
PRODUCER PROFILE Tripoli, Pa.-based Carl W. Peter Agency, which was owned and operated by his father. Imschweiler became a partner at his father’s company in 2000, running the branch office in Kutztown – a small college town in eastern Pennsylvania – and subsequently purchasing it in 2009. In September 2014, his father retired, and Imschweiler bought the agency, where he now works with his brother. DJI Insurance is a “blue-collar agency,” and Imschweiler says his clients are a lot like him – working-class Americans. He works with truckers, machine shops, warehouses, “and I do a lot of horse farms and dairy farms, because we are in a very agricultural area out here,” he said. He keeps his long hair tied back in a ponytail that he cuts off and donates to Pantene’s hair donation program every few years.
“And I come to work in Dockers and a regular flannel shirt – I’m not dressed to the nines,” he says. “People are paying me for what I know, not how I dress and what I drive.” Imschweiler also works part-time driving a tractor trailer for one of his clients, Johnson Horse Transportation, which specializes in hauling hunter jumper horses and racehorses for prominent clients throughout the country. Several times a year he takes time off to haul horses to shows in Washington, D.C., and Calgary, Canada, among other places. “I try to keep busy for sure,” Imschweiler says. Besides scratching his itch to drive big trucks (he earned his commercial drivers license in 2008), the horse-hauling gig also helps him forge connections that have grown his insurance business clientele.
Return to Alaska Since that first visit to Alaska in 2002, Imschweiler has returned to volunteer for the Yukon Quest many times, befriending many elite mushers. He loves all the little villages that serve as checkpoints along the way, where mushing fever is a way of life. “It doesn’t matter what you do for a living,” he says. “It’s all about ‘How are your dogs?’ You truly get the sense of community up there, because you are not going to get through an Alaskan winter by yourself.” Imschweiler has high hopes of getting back into competitive mushing sometime down the road. He just bought a 46-foot camper trailer with 18 kennels, painted with sponsorship logos and a big mural on the side, showing him racing his dogs under the dancing northern lights.
LESSONS FROM THE TRAIL Raising and mushing sled dogs has imparted many lessons that Imschweiler applies to his day job as an insurance agent.
Patience “When you are working out in 20-30 below temperatures, it’s all about attention to detail. A slow, steady pace wins the race.”
Failure “Never be afraid to fail. Failure is such a strong word to people, but it is a teaching mechanism. You have to look at it as if you are running a race. Even if you don’t come in first, getting from Point A to Point B is fun.”
Perspective “Mushing teaches you to really not sweat the little stuff. Sometimes not winning has its benefits. Big-time agencies, huge producers ... there’s a price to pay for that, folks. It’s there, but people don’t see it.”
38
www.ibamag.com
36-38_Producer Profile-SUBBED 2.indd 38
13/03/2015 6:11:18 AM
PEOPLE
FAVORITE THINGS
JIM SATTLER President, CBIZ Sattler
Fly fishing, local wines and the wide-open spaces of the West – these are a few of Jim Sattler’s favorite things
Weirdest coverage We provide coverage for outfitters and guides. Two years ago, we had a guide defend a fallen rider from an attacking grizzly bear by facing the bear down while astride her horse. The story went national, and the female guide and her horse were guests on the David Letterman show in New York. We provide the liability coverage and are proud of quick-thinking heroic guides who save the lives of guests. Favorite music The greatest hits of the ’60s – The Beach Boys, Moody Blues, Joe Cocker – and contemporary country – Blake Shelton, Carrie Underwood, Kenny Chesney
Favorite natural wonder The Grand Canyon Greatest joy Twenty-five years of marriage with my wife, Nancy Favorite advice “If you plan for the possibility, it won’t happen, but if it does, you are prepared.” Favorite book Most anything by Tom Clancy or John Grisham
Favorite thing about living in North Central Idaho The quality of life and the people who call this beautiful portion of the state home
Favorite drink A glass of red wine from Alexandria Nicole Cellars (in Prosser, Wash.)
Favorite sport Fly fishing the high mountain lakes around McCall, Idaho
Favorite vacation spot A tie between Stanley, Idaho, and the Oregon coast
www.ibamag.com
39_Favorite things-SUBBED.indd 39
39
13/03/2015 6:12:04 AM
PEOPLE
CAREER PATH
DISASTER PREPAREDNESS From earthquakes and floods to terrorism and global climate change, Howard Kunreuther has spent his career exploring how society can better manage low-probability, high-consequence events 2013
PUBLISHES SEMINAL WORK With co-authors Mark Pauly and Stacey McMorrow, Kunreuther published the book Insurance & Behavioral Economics: Improving Decisions in the Most Misunderstood Industry, which explores how consumers, insurers and regulators make insurance-related decisions and offering strategies for improving the role that insurance can play in reducing losses following a severe disaster. Kunreuther arrived in New York City one week before 9/11 to become a visiting research scholar at the Earth Institute at Columbia University. Interdependent security and terrorism insurance become important 2001 new areas of study at the Wharton Risk Center. SHIFTS HIS FOCUS
“I was on my bicycle riding along the Hudson River when the first plane crash occurred.”
Kunreuther served on the Intergovernmental Panel on Climate Change [IPCC] as a coordinating lead author in the IPCC’s Fifth Assessment Report – the most comprehensive assessment of climate change to date.
2010
GOES GLOBAL
1992
TAKES A SABBATICAL
1985
FOUNDS WHARTON RISK CENTER Kunreuther co-founded the Wharton Risk Management and Decision Processes Center, working on such projects as a 15-year study to locate a high-level radioactive waste repository within Nevada’s Yucca Mountain. “When the Wharton Risk Center was started 30 years ago, few people were concerned about extreme events. Now, there are a lot of people interested.” When a 9.2 magnitude earthquake shook Alaska, Kunreuther, a young economist, helped execute a study on the state’s recovery and the economics of natural disasters. “We found that almost no one had earthquake insurance. The federal government was bailing people out with low-interest loans and forgiveness grants.”
40
While on sabbatical at the Natural Hazards Center in Boulder, Colo., Kunreuther conducted research with his mentor, the prominent geographer Gilbert White (pictured), and spent time at the Environmental Risk Insurance Corporation [ERIC].
1975
STUDIES NATURAL DISASTERS
1964
EARTHQUAKE LAUNCHES HIS CAREER
As an assistant professor at the University of Chicago and later a department chair at the University of Pennsylvania’s Wharton School, Kunreuther teamed with colleagues to conduct studies on topics such as why people in flood- and earthquake-prone areas do or don’t buy insurance, and the behavior of Union Carbide leaders in the aftermath of a chemical explosion in Bhopal, India.
www.ibamag.com
40_Career path-SUBBED.indd 40
13/03/2015 6:11:39 AM
INSURANCE BUSINESS AMERICA’S
PROGRAM DIRECTORY 2015 SPRING
All the vital details on 2,529 programs from 735 providers across 201 categories www.ibamag.com
41-45_Program Directory Intro & Feature-SUBBED 4.indd 41
41
13/03/2015 6:12:53 AM
PROGRAM DIRECTORY
THE PROGRAM BUSINESS BOOM In today’s commercial market, program business is a rapidly expanding field. Meghan de St. Aubin explains how you can get in the game FUELED BY a soft market, program business and its administrators are quickly taking over the commercial insurance marketplace. Programs typically act as products targeted to a specific niche market. These programs generally represent a book of similar risks placed with one carrier. Program administrators who have developed expertise in a particular niche market or class assist carriers with their needs regarding the programs. Their responsibilities may include marketing, underwriting selection, binding, issuing, billing, premium collections, data gathering, claims management/ loss control and possibly risk sharing. The Target Markets Program Administrators Association [TMPAA] is an organization that supports the needs of program administrators in the industry. It helps program administrators conduct business more efficiently with greater proficiency and profitability. Those who benefit from this organization are those who mainly deal with commercial property and professional liability programs. “Our program administrators in effect act as the insurance carrier for specialized lines of business or coverages,” says Ray Scotto, executive director of TMPAA. “Because of their expertise in specialized businesses classes, the carrier grants the authority to the administrator to actually underwrite the risk and bind coverage on their behalf.” Going through a program administrator is a direct way of acquiring insurance without going through tedious hoops. Members of TMPAA, for example, are experts on hard-to-place risks tied to niche industries such as mobile crane operators, fine dining restaurants, golf courses, tattoo artists, landscapers, churches, banks and many more. Due to their expertise in a certain class of
42
41-45_Program Directory Intro & Feature-SUBBED 4.indd 42
industry, they are able to provide more complete and cost-effective insurance to any one of these business owners. Some administrators sell insurance directly to the end buyer, but usually they go through an agent who is more familiar with the businesses in their communities, according to Scotto. With regard to the niches of business that are best fits for programs, TMPAA members identified them as professional liability, package and liability. Programs that are having the most success are those that have truly unique exposures or have found a unique solution to a dilemma of the industry, according to Brian Norman, president of Norman-Spencer Agency. “With the softening market, standard carriers are dipping their toes into higher hazard classes at rates that are below those historically required to deliver profitability – in order to compete, you must have a different approach,” Norman says. A program administrator brings more to the table than the product. This method of sourcing allows agents to utilize an expert who can explain risks and exposures, tailor risk management and loss control, and provide coverage that is designed to the specific needs of a given niche, Norman says, adding that carriers who partner with program administrators have been shown to grow strategically and profitably. “It is an easy way for a carrier to quickly pick up a proven book of business and do so without the expense of marketing, sales, underwriting and back office resources,” he says. “By partnering with a program administrator, the carrier receives a whole team of experts in a given niche that can deliver a big bang.”
Program opportunities Dipping into the program industry can be tough at first. The program business market is
www.ibamag.com
13/03/2015 6:13:01 AM
adversely affected by softening rates. Insurers are still cautious and prefer to work with underwriters with a through track record. They are interested in those who can extend new programs onto existing ones. Administrators have established a vibrant and growing presence in the insurance business that is predicted to only get bigger. In fact, administrators plan to expand their program strategy in the next three years, according to TMPAA. Their increases in premium volume are rising, too. In a recent TMPAA survey, respondents reported they saw their premium volume rise from 52% in 2010 to 72% in 2011 and to 82% in 2012. It is estimated that program administrators generated nearly $27.4 billion of annual premium revenue in 2012, up from $247 billion in 2011. On the flip side, the total property/ casualty industry grew commercial lines premiums by 4% in 2013, according to the Insurance Information Institute. This trend reflects the continuous aboveaverage performance of program business amid the persistent soft market for the property and casualty insurance industry, according to TMPAA. The size of the program administration market in 2014 measured $30.1 billion in premiums – a 9.8% increase from 2012. Commercial lines premiums grew by 4% in 2013, down from 5.5% in 2012. This compares to 5.3% growth for insurers writing mostly personal lines, up from 3.5%
Going through a program administrator is a direct way of acquiring insurance without going through tedious hoops a year earlier, according to the Insurance Institute of America’s 2013 year-end results. One of the most up-and-coming and important areas for a program administrator is cyber protection. Program administrators have been quick to capitalize on this growing area involving cyber risk management and risk transfer. Cyber attacks on high-profile companies are always in
www.ibamag.com
41-45_Program Directory Intro & Feature-SUBBED 4.indd 43
SOFTWARE FOR PROGRAM ADMINISTRATORS NetRate Systems is a software solutions provider that offers unique products and services to program administrators and the carriers that support them. More than 65 clients trust us to deliver mission critical solutions every day. Our NetRATE Commercial Lines Rating and NetPPS Policy Issuance products allow our customers to rapidly deploy a complete rate, quote and issue system. Our knowledgeable development and support team maintain all the major ISO© Commercial Lines and NCCI Workers’ Compensation rules and rates so that with a few configuration modifications, your custom program can be on the market in a snap. Included with our cost-effective solutions are maintenance of rates, rules and forms, hosted web services, and upgrades. Visit www.netrate.com, or call us at 517-347-4900 to learn more.
the headlines, but they can happen to small companies, too. In fact, 77% of small firms believe they are secure and will not experience a cyber hack. According to TMPAA, an average small employer breach response costs in excess of $100,000. Cyber insurance policies depend on how large or small a company is and the industry in which it operates. It is also based off of what the company already does to stay secure. A policy might cover things like the cost of conducting an investigation into a breach of information, notifying clients, crisis management, loss business and cost of monitoring credit, according to CNBC. The Ponemon Institute’s 2014 Cost of Data Breach Study found a company with less than 10,000 records is more likely to be hacked than a firm with more than 100,000 records. This is because hackers predict that small businesses, unlike high-profile companies, won’t have measures in place to defend against cyber attacks. A program administrator can help small businesses purchase cyber insurance in the event they are targeted by a hacker. Program administrators who master the complicated insurance aspect of the job as well as underwriting programs, data security, claims handling, marketing and all the other personnel/ operations issues that come with running a business, have secured an important and flourishing place in the industry. “The bottom line is that our program administrators provide coverage that allows individuals to maintain and start new businesses,” Scotto says. “Because they are experts in each of the classes they underwrite, they have probably saved many businesses that would have not been adequately covered for all the business risks they undertake.”
43
13/03/2015 6:13:38 AM
PROGRAM DIRECTORY
INDEX Program
Page
Program
Page
Program
Page
Accountants & CPAs
46
Collateral Recovery
64
Forestry
82
Addiction – Drug, Alcohol
46
64
Funeral Homes
82
Adult Care
46
Community, Homeowner's Associations
82
46
65
Gas and Service Stations
Adult/Gentleman's Clubs
Computer Programming Concrete Pumps & Pumpers
65
Grocery Stores
82
Condos
65
Hazardous Waste Hauling & Transport
82
Construction
65
Health Club, Gym
82
Agribusiness
47
Alarm
47
Ambulances
47
Amusement Parks, Fairgrounds
Contractors
68
Health Services
83
47
Contractors' Equipment
69
Hole in One
83
Answering Services
47
Convenience Stores
70
Home Health & Hospice
83
Apartments
50
Country Clubs, Golf Courses
70
Home Inspectors
86
Architects and Engineers
51
Couriers
70
Home Medical
86
Artisan Contractors
52
Crane and Rigging
70
Hospitality
86
Assisted & Senior Living
52
71
Hotels, Motels
86
Associations
53
Credit Unions, Community Banks
71
86
53
Crop Insurance
Hull
Auto Body
53
71
87
Auto Dealers
Cyber
Inland Marine
87
56
74
Insurance Agents & Brokers
Auto Repair/Garages
Dairy
88
57
74
Interior Design
Auto Transporters & Haulers
Dentists
74
88
57
Earthquake
Intermediate Trucking
Aviation
74
88
57
Energy, Oil, Gas
Investors
Bars, Taverns, Nightclubs
58
75
89
Beauty & Barber Shops
Entertainment
Janitorial
89
58
75
Jewelers
Boat/Yacht Dealers
Entertainment, Concerts
89
58
75
Kidnap/Ransom Extortion
Bowling Alleys
Environmental
76
89
58
Equine, Horse
Landfills
Builder's Risk
59
77
89
Buses
Event
Landscape, Lawn Care
89
59
77
Laundry
Business Owner's Policy
Exterminators, Pest Control
90
59
77
Lawyers & Attorneys
Camps
Family Entertainment Centers
77
90
59
Farm & Ranch
Lessor's Risk
Cannabis
91
62
Fast Food, Fast Casual Restaurants
Life Sciences
Car Washes
80
Limousines
91
Cargo
62
Feedlots
80
Liquor Liability
91
62
Financial Advisors/Planners
80
Liquor Stores
92
Financial Institutions
80
Fine Arts
80
Livestock
92
Fire Protection, Sprinkler
81
Logging
92
Firearms
81
Long Haul Trucking
92
63
Fishing Guides
81
Long Term Care
92
Manufactured Homes
92
Clinical Research
63
Flood
81
Manufacturers
93
Clubs, Social Groups
63
Food Delivery Vehicles
81
Marina Boat Dealers
93
Coastal Property
64
Foreclosure Properties
81
Marine
93
Catering Charitable/Nonprofits
62
Chemical Mfg and Products
63
Child Care, Day Care
63
Churches, Religious Institutions
44
41-45_Program Directory Intro & Feature-SUBBED 4.indd 44
www.ibamag.com
13/03/2015 6:14:15 AM
Program
Page
Program
Page
Program
Page
Marine - Commercial
94
Public Entities
101
Staffing
107
Maritime Employers Liability
94
Public Officials
102
Storage
108
Media
94
Railroad
102
Storage Tanks
108
Medical Billing
94
Real Estate Agents & Brokers
102
Surety
109
Medical Equipment & Devices
94
Real Estate Appraisals
102
Tanning Salons
109
MediSpa
94
Real Estate Developers
103
Tattoo & Body Piercing
109
Mental Health
94
Recreational Marine
103
Taxis
109
Metal & Plastic Mfg
95
Residential Care Facility
103
109
Mining
95
Resorts
103
Technology Professionals & Businesses
Mobile Home & RV Parks
95
Restaurants
104
Temp Staffing
110
Mobile Homes
95
Retail
104
Title Agents
110
Towing
110
Monoline
95
Roofers
104
Trucking
110
Mortgage Bankers & Brokers
95
Schools
105
Used Auto Dealers
111 111
Motorcycle Dealers
96
Securities
105
USL&H
Movie Theatres
96
Security Guards
105
Vacant Commercial Buildings
111
Moving Companies
96
Self Insured
106
Warehouses
111
Municipalities
96
Ships and Ship Repairers
106
Waste Hauling
111
Museums
96
Shopping Centers
106
Wastewater
112
Network Security
96
Short Haul Trucking
106
Wedding
112
Nursing Homes
97
Small Business
106
Welding
112
Ocean Marine
97
Social Services
106
Wind
112
Office Buildings
97
Spas, Day Spas
107
Yacht
112
One Day Event
97
Sporting Events
107
Youth Clubs, Sports
112
Orchards, Tree Farms
98
Sports
107
Outfitters, Guides
98
Outpatient Clinics
98
Owners, Landlords, Tenants
98
Parking & Valet
98
Petroleum Marketers
98
Pharmaceutical
99
Physicians
99
Physicians, Clinics
99
Pizza Delivery
99
Police, Law Enforcement
99
Pollution (Environmental)
100
Private Investigators
100
Prize Indemnification
100
Product Liability & Recall
100
Property Managers
101
www.ibamag.com
41-45_Program Directory Intro & Feature-SUBBED 4.indd 45
45
13/03/2015 6:14:26 AM
PROGRAM PROGRAMDIRECTORY DIRECTORY
S
W
NE
MW
ACCOUNTANTS & CPAS S
ACCOUNTANTS & CPAS
W
NE
MW
Nas Insurance Cyber Liability www.nasinsurance.com
818-479-4305
The typical accountant and CPA maintain a significant amount of confidential information pertaining to clients. This includes both personal and corporate information. The potential harm to clients, as well as resulting legal liability, may be significant. NetGuard™ Plus is Network Security and Privacy Insurance that features simplified underwriting for qualifying applicants. NetGuard™ Plus offers a streamlined application process that simplifies quoting and binding. The applicant that meets program qualifications can choose options from the rate card and request to bind.
S
W
NE
MW
Great American Insurance Group www.gaig.com 800-545-4269 Great American Insurance Group is committed to helping businesses and organizations manage risks inherent to their industry. We provide innovative solutions and specialize in serving niche marketplaces. This expertise has given us the foundation for success that spans generations.
ADDICTION – DRUG, ALCOHOL
All Risks, Ltd. Apogee Insurance Group a Berkshire Hathaway Company B & B Protector Plans, Inc. CAMICO CB Malaga Insurance Services LLC Coastal Insurance Underwriters Fox Point Programs Herbert H. Landy Insurance Jimcor Agencies Jorgensen & Company Monarch E&S Insurance Services National Insurance Partners Pearl Insurance People's United Insurance Agency, Inc. Professional Liability Insurance The Navigators Group, Inc. TuscanoPro USI Affinity Brokerage Services
ADULT CARE
ADULT/ GENTELMAN’S CLUBS
www.allrisks.com www.apogeeinsgroup.com www.bbprotectorplans.com www.camico.com www.cbspecialty.com www.ciuins.com www.foxpointprg.com www.landy.com www.jimcor.com www.jorgensenandcompany.com www.monarchexcess.com www.nationalinsurancepartners.com www.pearlinsurance.com www.peoples.com/insurance www.protexn.com www.navg.com www.tuscanopro.com www.usiaffinity.com
800-366-5810 888-927-6433 800-338-1935 800-652-1772 877-245-5887 904-285-7683 800-499-7242 800-336-5422 800-334-0474 201-447-4400 877-406-8026 602-490-3270 800-447-4892 800-543-3827 800-441-9196 212-244-2333 800-442-8063 800-265-2876
AFC Insurance B & B Protector Plans, Inc. Canon Insurance Service Irwin Siegel Agency, Inc. Negley Associates NIF Group, Inc. NSM Insurance Group SterlingRisk Sullivan HealthCare Insurance Services, Inc.
www.afcins.com www.bbprotectorplans.com www.canoninsurance.com www.siegelagency.com www.jjnegley.com www.nifgroup.com www.nsminc.com www.sterlingrisk.com www.sullivanhc.com
877-456-5323 800-338-1935 310-859-8600 800-622-8272 800-548-4301 800-691-5903 508-634-2902 516-487-0300 800-252-0355
AFC Insurance Anderson & Murison, Inc. Aon Affinity Aon Association Services B & B Protector Plans, Inc. Balsiger Insurance Ck Specialty Insurance Associates, Inc. ELM Insurance Brokers FTP, Inc. Personal Care & Assisted Living Insurance Center Ramsgate Insurance, Inc. The Lewis Chester Group
www.afcins.com www.andersonmurison.com www.aon.com www.aonassociationservices.com www.bbprotectorplans.com www.balsigerinsurance.com www.ckspecialty.com www.e-o.com www.ftpins.com www.pcalic.com www.ramsgateinsurance.com www.lewischester.com
877-456-5323 323-255-2333 800.842.4084 800-432-7465 800-338-1935 702-220-8640 800-411-0083 800-746-7167 732-679-3700 800-673-2558 800-394-2767 908-273-6100
www.bassuw.com www.ericksonlarseninc.com www.insential.com www.rms-hg.com
888-422-7715 800-284-0965 888-571-6160 516-742-8585
ADDICTION – DRUG, ALCOHOL
ADULT CARE
ADULT/GENTLEMAN’S CLUBS Bass Underwriters Erickson-Larsen, Inc. Insential, Inc. RMS Hospitality Group
46
46-89_Program Directory-SUBBED 5.indd 46
www.ibamag.com
13/03/2015 6:16:45 AM
PROGRAM DIRECTORY
S
W
NE
MW
AGRIBUSINESS Abram Interstate Insurance Services, Inc. Ace Agribusiness Agricultural Insurance Management Services Allen Financial Insurance / The Equestrian Group AmWINS Program Underwriters Arrowhead General Insurance Agency Inc. Intercorp Inc International Excess Program Managers Inter-Pacific Insurance Brokers, Inc. Safehold Special Risk Sierra Specialty Tower Services, Inc. Wildlife Insurance Underwriters, LLC Winery Pak Insurance Programs
www.abraminterstate.com www.aceagribusiness.com www.aimscentral.com www.eqgroup.com www.amwins.com www.arrowheadgrp.com www.intercorpinc.net www.intlxs.com www.interpacificbrokers.com www.safehold.com www.sierraspecialty.com www.tower-services.com www.insurewildlife.com www.winerypak.com
800-955-4465 800-233-8347 877-552-2467 800-874-9191 704-749-2700 619-881-8733 800-640-7601 800-937-3497 559-634-1400 800-842-8917 866-814-9378 888-440-4381 601-506-6622 973-359-0133
AGRIBUSINESS ALARM AMBULANCES
ALARM All Risks, Ltd. AMIS Alliance Marketing and Insurance Services Anchor Bay Insurance Managers, Inc. Brownyard Programs, Ltd. Connecticut Underwriters, Inc. Costanza Insurance Agency, Inc CoverXSpecialty Izzo Insurance Services, Inc. Morstan General Agency OnPoint Underwriting Oryx Insurance Brokerage, Inc. Sigma Underwriting Managers The Mechanic Group, Inc.
www.allrisks.com www.amisinsurance.com www.surpluslines.com www.brownyardprograms.com www.ctunderwriters.com www.costanzainsurance.com www.coverx.com www.izzonsurance.com www.morstan.com www.onpointunderwriting.com www.oryxinsurance.com www.sigmaprograms.com www.mechanicgroup.com
800-366-5810 800-843-8550 360-613-5455 800-665-7304 800-982-3881 800-346-0942 800-762-6837 800-800-1704 516-488-4747 888-996-7600 607-724-0173 954-893-1720 800-214-0207
American Business Insurance Services, Inc. Arrowhead General Insurance Agency, Inc. Atlantic Specialty Lines Bolton & Company Med James, Inc. Myron Steves National Indemnity Company Park Insurance Company Western World Insurance Group Wholesale Connection Insurance Services
www.abiweb.com www.arrowheadgrp.com www.atlanticspecial.com www.boltonmga.com www.medjames.com www.myronsteves.com www.nationalindemnity.com www.parkinsuranceco.com www.westernworld.com www.wcis-ins.com
800-980-1950 800-669-1889 877-545-9100 502-583-8361 800-255-6503 800-392-1604 402-916-3000 212-984-1845 201-847-8600 818-716-9800
Zurich Programs
www.zprogramsmatch.com
866-873-0782
www.amerspec.com www.insureair.com www.eibdirect.com www.globalweatherinsurance.com www.kandkinsurance.com www.mjhallandcompany.com www.programrisks.com www.theinsco.com
800-245-2744 800-607-4711 877-678-7342 516-466-3138 800-637-4757 907-929-5822 866-847-4223 800-237-3355
AMUSEMENT PARKS, FAIRGROUNDS ANSWERING SERVICES
AMBULANCES
AMUSEMENT PARKS,FAIRGROUNDS American Specialty Insurance & Risk Services Amusement Insurance Resources Evolution Insurance Brokers Global Weather Insurance Agency, Inc. K&K Insurance Group, Inc. M.J. Hall and Company, Inc. Program Risk Specialists T.H.E. Insurance Company
ANSWERING SERVICES S
W
NE
MW
Nas Insurance www.nasinsurance.com
818-479-4304
The Telephone Answering Services Professional Liability Insurance program features simplified underwriting for qualifying applicants. This program offers a streamlined application process that simplifies quoting and binding. The applicant that meets program qualifications can choose options from the rate card and request to bind.
www.ibamag.com
46-89_Program Directory-SUBBED 5.indd 47
47
13/03/2015 6:16:52 AM
HPM - IB
HPM - IBA Company Profile.qxp_Layout 1 3/2/15 2:32 PM Page 1
Hill Program Managers, LLC Architects, Engineers, Construction Managers, Design Build & Contractors Professional Liability & Contractors Pollution Liability Limits up to $5,000,000 Premiums start at $2,500 - A+ Rated Carrier Coverage Features: • Coverage for Pollution Conditions (no asbestos or mold exclusions) • Consent to settle soft hammer clause (50%) • Coverage for computer software sold or supplied by the insured in the provision of professional services • Punitive Damages coverage where allowed by law • Independent Contractors as an insured while working for the insured • Leased Employees as an insured while working for the insured • Temporary Employees as an insured while working for the insured • Joint Venture Coverage • Full Severability of all exclusions clause • Blanket Waiver of Subrogation • Blanket Additional Insured for Pollution Conditions • Technology Based Services, Technology Product, Computer Network Security, Multimedia and Advertising Coverage • Transportation Pollution Liability Coverage • Crisis Management Expense Coverage • Privacy Coverage Free Contract Review Service provided by the experienced Architects & Engineers defense attorneys of Daniels Kashtan Downs Robertson + McGirney, P.A
Oil & Gas Consultants, Engineers and Contractors Commercial General Liability - Professional Liability - Contractors Pollution Liability Limits up to $5,000,000 for consultants – Premiums start at $5,000 - A Rated Carrier Coverage Features: • Independent Contractors as an insured while working for the insured • Leased Employees as an insured while working for the insured • Temporary Employees as an insured while working for the insured • Blanket Waiver of Subrogation • Blanket Additional Insured • Blanket Primary & Non Contributory • Hired & Non-owned Auto Liability Endorsement • CG 04 40 11 03 Stop Gap (North Dakota) • CG 04 40 11 03 Stop Gap (Wyoming) • CG 20 37 04 13 Automatic Additional Insured -- Completed Ops
Hill Program Managers LLC
155 South Madison • Suite 302 • Denver, CO 80209 • 877.778.1114 • 303.416.6994 • www.hillprograms.com
46-89_Program Directory-SUBBED 5.indd 48
13/03/2015 6:17:04 AM
HPM - IBA Program Directory #3c.qxp_Layout 1 2/27/15 2:41 PM Page 1
PROGRAM DIRECTORY
Here’s The Story Coverage available for Architects, Engineers, Construction Managers, Design Build Firms and Contractors, Professional Liability & Contractors, Pollution Liability, Oil & Gas Consultants & Contractors, Commercial General Liability, Professional Liability, Contractors Pollution Liability. Excess is available for Oil & Gas Consultants.
Hill Program Managers LLC
155 South Madison • Suite 302 • Denver, CO 80209 • 877.778.1114 • 303.416.6994 • www.hillprograms.com
46-89_Program Directory-SUBBED 5.indd 49
13/03/2015 6:17:20 AM
PROGRAM PROGRAMDIRECTORY DIRECTORY
S
W
NE
MW
APARTMENTS
APARTMENTS
50
46-89_Program Directory-SUBBED 5.indd 50
A & B Insurance Solutions, LLC Abram Interstate Insurance Services, Inc. Advanced E&S Group - Southeast Region Agency Intermediaries, Inc. Agostini Wholesale Insurance All Risks, Ltd. American Underwriting Managers Appleby & Sterling, Inc. Ark-La-Tex Underwriters Arrowhead General Insurance Agency Inc. Balsiger Insurance Bass Underwriters Benchmark Management Group Cabrillo Coastal General Insurance CIBA Insurance Services Connecticut Underwriters, Inc. Conway E & S Core Programs Crusader Insurance Company Distinguished Programs Dunfield Wholesale Insurance Brokers FTP, Inc. GJ Sullivan Company Gray-Stone & Company Horizon E & S Insurance Brokerage IIABCal Insurance Programs of America Jimcor Agencies JMR Excess & Surplus Insurance Services K&M Henderson Insurance Services, Inc M.J. Hall and Company, Inc. McClelland and Hine, Inc. Med James, Inc. Metcom Excess Morstan General Agency NeitClem Wholesale Insurance Brokerage, Inc. New Empire Group Northern States Agency (NSA) Ohio E & S Agency Pacific Coast E&S Insurance Services Patriot National Underwriters, Inc. PGI Commercial Preferred Property Programs Preferred Specialty, LLC Program Brokerage Corporation Quirk & Company Red Shield Insurance Company Ron Rothert Insurance Services RoundHill Express, LLC South Texas General Insurance Agency Southwest Risk, Lp Sovereign Group Int'l, Inc. Specialty Lines Underwriters Specialty Programs & Facilities Managers, Inc. (AmWins) Sterling Undewriters Agency, Inc. SterlingRisk Strickland General Agency of FL,Inc Strickland General Agency, Inc TAPCO Underwriters, Inc. Texas All Risk The Central Agency The Lewis Chester Group Towerstone, Inc. UCA General Insurance Services, Inc. VGM Specialty Underwriters Western Security Surplus Insurance Brokers, Inc. Wholesale Brokerage & Insurance Services, LLC
www.abinsurance.com www.abraminterstate.com www.advancedesgroup.com www.agencyint.com www.agostinisurplus.com www.allrisks.com www.auminsur.com www.applebyandsterling.com www.altuonline.com www.arrowheadgrp.com www.balsigerinsurance.com www.bassuw.com www.bmgins.com www.cabgen.com www.cibaservices.com www.ctunderwriters.com www.conwayes.com www.core-programs.com www.crusaderinsurance.com www.distinguished.com www.dunfield.biz www.ftpins.com www.gjsullivan.com www.gray-stone.com www.horizonsurplus.com www.iiabcal.org www.ipoausa.com www.jimcor.com www.jmrexcess.com www.hendersoninsure.com www.mjhallandcompany.com www.mhi-tx.com www.medjames.com www.metcomexcess.com www.morstan.com www.neitclem.com www.newempiregroup.com www.nsa-mga.com www.ohioeands.com www.pacificcoastes.com www.patriotnational.com www.pgicommercial.com www.ppp-quotes.com www.preferredre.com www.programbrokerage.com www.quirkco.com www.redshield.com www.ronrothert.com www.roundhillexpress.com www.stgia.com www.swrisk.com www.sovereignins.com www.specialty-lines.com www.specialtyprograms.net www.sterlingunderwriters.com www.sterlingrisk.com www.sgainfl.com www.sgainga.com www.gotapco.com www.allriskga.com www.thecentralagency.com www.lewischester.com www.towerstonecorp.com www.ucageneral.com www.vgmsu.com www.wssib.com www.wholesalebrokerins.com
800-207-9333 800-955-4465 407-461-7221 800-262-7475 800-922-7283 800-366-5810 866-219-0427 805-583-9828 318-798-7703 619-881-8733 702-220-8640 888-422-7715 630-778-7000 858-244-0550 818-638-8525 800-982-3881 800-748-9520 877-585-4048 800-669-9800 888-355-4626 800-899-6922 732-679-3700 714-621-2300 805-494-4440 805-494-6553 800-772-8998 407-260-8200 800-334-0474 866-954-9990 916-788-8191 907-929-5822 800-580-4463 800-255-6503 201-641-5100 516-488-4747 612-454-4402 800-749-6419 800-328-0828 866-233-7091 800-772-8538 800-291-6846 973-631-7575 888-548-2465 803-790-4800 908-790-6800 800-299-9421 800-527-7397 800-800-6524 516-652-0750 800-873-6500 214-206-4900 800-843-0843 262-737-8990 866-308-7736 312-755-0099 516-487-0300 877-669-8886 800-825-5742 800-418-2726 800-627-0303 800-678-1642 908-273-6100 972-725-2100 800-222-5582 800-203-3223 800-733-5844 877-270-7362
www.ibamag.com
13/03/2015 6:19:36 AM
PROGRAM DIRECTORY
S
W
NE
MW
ARCHITECTS & ENGINEERS S
W
NE
MW
Freberg Environmental www.feiinsurance.com
800-377-4152
The Freberg Engineers, Laboratories, Consultants & Contractors program writes A&E, Consultants and Laboratories, and has now expanded to include O&G consultants, Contractors Professional and Roustabouts.
S
W
NE
MW
Hill Programs www.hillprograms.com
ARCHITECTS & ENGINEERS
877-778-1114
Hill Program Managers, LLC provides professional liability and contractor’s pollution liability for architects, engineers, construction managers, design/ build ďŹ rms and contractors. Coverage is available in all 50 states. Limits of liability are available up to $5,000,000. Minimum premiums begin at $2,500. Coverage enhancements include independent contractor, leased employee and temporary employees as insured. Joint venture coverage. Full severability of exclusions. Blanket waiver of subrogation. Technology and privacy coverage. Transportation pollution, crisis management. Free pre-claims assistance. Free contract review.
S
W
NE
MW
Great American Insurance Group www.gaig.com 800-545-4269 Great American Insurance Group is committed to helping businesses and organizations manage risks inherent to their industry. We provide innovative solutions and specialize in serving niche marketplaces. This expertise has given us the foundation for success that spans generations.
S
W
NE
MW
U.S. Risk Underwriters U.S. Risk Pros www.usrisk.com 800-232-5830 With nationwide in-house underwriting, we have your professional liability risks covered.
Access E&S Insurance All Risks, Ltd. All Solutions PBS LLC Arrowhead General Insurance Agency Inc. Breckenridge Insurance Services CB Malaga Insurance Services LLC CRES Insurance Services Donald Gaddis Co., Inc. Insurance Services ELM Insurance Brokers Etowah Insurance Group Fox Point Programs Gateway Underwriters Agency Grapevine Insurancebrokers Hill Program Managers, LLC Intercorp Inc Jorgensen & Company Logic Underwriters, Inc NeitClem Wholesale Insurance Brokerage, Inc. New Day Underwriting Managers LLC PGI Commercial Professional Underwriters Agency, Inc. Shelly, Middlebrooks & O'Leary, Inc. Socius Insurance Services, Inc. Sullivan Brokers Wholesale Insurance Solutions TuscanoPro
www.ibamag.com
46-89_Program Directory-SUBBED 5.indd 51
www.access-es.com www.allrisks.com www.allsolutionspbs.com www.arrowheadgrp.com www.breckis.com www.cbspecialty.com www.cresprograms.com www.gaddiscompany.com www.e-o.com www.theetowahgroup.com www.foxpointprg.com www.gua-stl.com www.grapevineinsurancebrokers.com www.hillprograms.com www.intercorpinc.net www.jorgensenandcompany.com www.logicinsurance.com www.neitclem.com www.newdayunderwriting.com www.pgicommercial.com www.puainc.com www.shellyins.com www.sociusinsurance.com www.sbwis.com www.tuscanopro.com
703-248-2566 800-366-5810 888-376-5884 619-881-8733 678-322-3535 877-245-5887 877-257-2737 312-853-0071 800-746-7167 706-378-3488 800-499-7242 800-325-7652 707-251-8518 877-778-1114 800-640-7601 201-447-4400 214-739-0071 612-454-4402 217-371-3732 973-631-7575 630-572-0600 800-342-2498 415-778-0310 213-833-6185 800-442-8063
51
13/03/2015 6:19:42 AM
PROGRAM PROGRAMDIRECTORY DIRECTORY
S
W
NE
MW
ARTISAN CONTRACTORS
ARTISAN CONTRACTORS ASSISTED & SENIOR LIVING
ACES Commercial Insurance Service, Inc.
www.acesins.com
619-354-6787
Advanced E&S Group - Midwest Region
www.advancedesgroup.com
866-867-0505
Advanced E&S Group - Southeast Region
www.advancedesgroup.com
407-461-7221
Agostini Wholesale Insurance AMC Insurance Services Chelsea Surplus Underwriters Ck Specialty Insurance Associates, Inc.
www.agostinisurplus.com www.amcinsurance.com www.chelseasurplus.com www.ckspecialty.com
800-922-7283 800-233-2398 866-595-8413 800-411-0083
CMS, LLC Cochrane & Company Combined Resources Commonwealth Underwriters Ltd. Construction Insurance Solutions Continental Risk Insurance Services Conway E & S Crusader Insurance Company Delta General Agency Corporation Empire Underwriters FTP, Inc. Gabor Insurance Inc. GJ Sullivan Company Harbor America Inc. Joseph Krar & Assoc., Inc. Keller & Co, Inc. McLeckie Insurance Group National E&S Insurance Brokers, Inc. Networked Insurance Agents NIF Group, Inc. N-Surance Outlets, Inc Old American County Mutual Oryx Insurance Brokerage, Inc. PMC Insurance Group Rockhill Insurance Company Scottish American Shelly, Middlebrooks & O'Leary, Inc. Shoemaker & Besser Associates, Inc. Socius Insurance Services, Inc. South & Western Southern Insurance Underwriters Specialized Insurance Sun Coast General Insurance TAPCO Underwriters, Inc. Texas All Risk Texas Commercial Insurance Facilities Unisource Program Administrators Vintage Underwriters Woodlands Insurance Services
www.cmsrisk.com www.cochraneco.com www.autoinsureit.com www.commund.com www.constructioninsurancesolutions.com www.continentalriskins.com www.conwayes.com www.crusaderinsurance.com www.deltains.com www.empireunderwriters.com www.ftpins.com www.gaborinsurance.com www.gjsullivan.com www.hapeo.com www.jkrar.com www.kellerandco.com www.mcleckie.com www.nationaleands.com www.networkedins.com www.nifgroup.com www.nsoins.com www.countymutual.com www.oryxinsurance.com www.pmcinsurance.com www.rhkc.com www.scottishamerican.com www.shellyins.com www.shoemaker-besser.com www.sociusinsurance.com www.southandwestern.com www.siuins.com www.specializedinsurance.com www.suncoastinsurance.com www.gotapco.com www.allriskga.com www.tcif.org www.unisourcepa.com www.vintageunderwriters.com www.woodlandsinsurance.com
516-799-4200 800-441-4535 631-758-6782 800-396-6226 214-363-8880 866-699-2747 800-748-9520 800-669-9800 800-666-2678 800-758-8113 732-679-3700 786-924-7030 714-621-2300 800-845-5695 800-886-5050 716-874-1644 877-905-9090 661-266-4444 619-232-3900 800-691-5903 800-366-1450 913-895-0269 607-724-0173 781-449-7744 816-412-2800 800-660-1125 800-342-2498 800-632-9002 415-778-0310 800-492-5351 800-568-1700 631-758-6782 800-300-8838 800-418-2726 800-627-0303 800-256-6600 405-728-5116 800-488-5771 281-367-5010
ASSISTED & SENIOR LIVING S
W
NE
MW
Risk Placement Services www.rpsins.com
856-685-6200
Dedicated to growing custom programs through merger/acquisition of existing programs.
S
W
NE
MW
?
Great American Insurance Group www.gaig.com 800-545-4269 Great American Insurance Group is committed to helping businesses and organizations manage risks inherent to their industry. We provide innovative solutions and specialize in serving niche marketplaces. This expertise has given us the foundation for success that spans generations.
AFC Insurance Allstar Financial Group American Underwriting Managers Aon Affinity Aon Association Services Argo Pro
52
46-89_Program Directory-SUBBED 5.indd 52
www.afcins.com www.allstarfinancialgroup.com www.auminsur.com www.aon.com www.aonassociationservices.com www.argoprous.com
877-456-5323 800-424-0132 866-219-0427 800-842-4084 800-432-7465 441 -296-5858
www.ibamag.com
13/03/2015 6:19:54 AM
PROGRAM DIRECTORY
S Arrowhead General Insurance Agency Inc. Bass Underwriters Boston Insurance Brokerage, Inc. Charity First Insurance Services Inc. Commercial Insurance Solutions Commercial Risk Service Delta General Agency Corporation IMS/London American Marsh Mid-Continent General Agency Ohio E & S Agency Personal Care & Assisted Living Insurance Center, LLC Prime Insurance Company RPS Healthcare Stonebridge Underwriters, Inc. Sullivan HealthCare Insurance Services, Inc. The Hanover Insurance Group U.S. Risk Insurance Group, Inc. UniTer Group Zurich Programs
www.arrowheadgrp.com www.bassuw.com www.bostonbrokerage.com www.charityfirst.com www.cis-ais.com www.commercialriskservice.com www.deltains.com www.imslondonamerican.com www.marsh.com www.mid-continentga.com www.ohioeands.com www.pcalic.com www.primeis.com www.rpsins.com/healthcare www.stonebridgeuw.com www.sullivanhc.com www.hanover.com www.usrisk.com www.uni-ter.com www.zprogramsmatch.com
619-881-8733 888-422-7715 866-331-1997 415-536-4037 888-613-2224 888-636-0886 800-666-2678 214-373-3936 215-246-1170 713-965-6900 866-233-7091 800-673-2558 800-257-5590 800-776-7475 877-965-0123 800-252-0355 800-853-0456 800-232-5830 678-781-2400 866-873-0782
Blais Excess & Surplus Agency of Texas, Ltd. Centurion Insurance Group CID Insurance Programs, Inc. Distinguished Programs Gateway Specialty Insurance - Your Insurance Specialist for Nonprofits & Social Services Great American Insurance Group - Executive Liability Division Ian H. Graham Insurance Intercorp, Inc. Jorgensen & Company Preferred Property Programs RV Nuccio & Associates The McGowan Companies
www.blaisexcess.com www.centurionusa.com www.cidinsurance.com www.distinguished.com
512-894-3460 800-258-3056 800-922-7283 888-355-4626
www.gatewayspecialty.com www.greatamericaneld.com www.ihginsurance.com www.intercorpinc.net www.jorgensenandcompany.com www.ppp-quotes.com www.rvnuccio.com www.mcgowancompanies.com
877-977-4474 312-385-4250 800-621-2324 800-640-7601 201-447-4400 888-548-2465 800-567-2685 800-545-1538
AmWINS Program Underwriters Arrowhead General Insurance Agency Inc. Cal-Regent Insurance Service, Inc. Crusader Insurance Company
www.amwins.com www.arrowheadgrp.com www.cal-regent.com www.crusaderinsurance.com
704-749-2700 619-881-8733 619-596-2770 800-669-9800
GMI Insurance KBK Insurance Group, Inc. McLeckie Insurance Group RoamNet Insurance Marketing Programs Specialty Risk Associates, Inc. Surefire Insurance Agency Target Managers Insurance Services
www.gmi-insurance.com www.kbkinsgroup.com www.mcleckie.com www.roamnetins.com www.specialty-risk.com www.cargoinsurancepro.com www.tmi-group.com
610-933-4679 800-229-5927 877-905-9090 877-272-0333 318-865-7023 818-355-2808 800-864-7111
ASSOCIATIONS
AUTO BODY
W
NE
MW
ASSISTED & SENIOR LIVING
ASSOCIATIONS
AUTO BODY
AUTO DEALERS
AUTO DEALERS S
W
NE
MW
Willis Programs DealerGuard速 www.willisprograms.com 248-539-6670 A program designed to provide open lot protection for franchised and independent dealers and associations as well as finance company floorplans.
www.ibamag.com
46-89_Program Directory-SUBBED 5.indd 53
AmWINS Program Underwriters
www.amwins.com
704-749-2700
Arrowhead General Insurance Agency Inc. Automotive Risk Management & Ins. Svcs., Inc. Cal-Regent Insurance Service, Inc. Crusader Insurance Company Diversified Insurance Facilities Gerald J. Wilkoff, Inc. GMI Insurance JMR Excess & Surplus Insurance Services McLeckie Insurance Group
www.arrowheadgrp.com www.armonline.com www.cal-regent.com www.crusaderinsurance.com www.diftx.com www.wilkoffbonds.com www.gmi-insurance.com www.jmrexcess.com www.mcleckie.com
619-881-8733 209-473-8938 619-596-2770 800-669-9800 281-364-8300 516-747-0200 610-933-4679 866-954-9990 877-905-9090
53
13/03/2015 6:20:06 AM
46-89_Program Directory-SUBBED 5.indd 54
16/03/2015 10:41:06 PM
PROGRAM DIRECTORY
46-89_Program Directory-SUBBED 5.indd 55
16/03/2015 10:41:22 PM
PROGRAM PROGRAMDIRECTORY DIRECTORY
S
W
NE
MW RoamNet Insurance Marketing Programs SFA-5Star Specialty Programs, A Div of Crump Ins. Svcs Target Managers Insurance Services Tejas American General Agency Williams and Stazzone Insurance
AUTO DEALERS AUTO REPAIR/ GARAGES
56
46-89_Program Directory-SUBBED 5.indd 56
www.roamnetins.com www.5starsp.com www.tmi-group.com www.taga1.com www.wsins.com
877-272-0333 877-247-9772 800-864-7111 888-999-8242 800-868-1235
AUTO REPAIR/GARAGES S
W
NE
MW
Willis Programs AutoServiceGuard速 www.willisprograms.com 813-490-4916 A program designed for the auto service related industry including (but not limited to) the following classes: car washes, gas stations, body shops, auto/ truck repair, and convenience stores with gas.
Abram Interstate Insurance Services, Inc.
www.abraminterstate.com
800-955-4465
Agostini Wholesale Insurance
www.agostinisurplus.com
800-922-7283
All Risks, Ltd. Alliant Specialty Insurance Services AMC Insurance Services AmWINS Program Underwriters Appalachian Underwriters, Inc. Arrowhead General Insurance Agency Inc. Automotive Risk Management & Insurance Services, Inc. Bass Underwriters Brecht & Associates Cal-Regent Insurance Service, Inc. Chelsea Surplus Underwriters Contractors Bonding and Insurance Company (CBIC) Cox Specialty Markets CRES Insurance Services DMI Insurance Services, Inc. Equity Partners Insurance Services, Inc. Evergreen Insurance Managers, Inc. Evolution Insurance Brokers Excel Insurance Services, Inc. GMI Insurance Insurance Program Managers Group Insurance Programs of America JMR Excess & Surplus Insurance Services KBK Insurance Group, Inc. Lancer Insurance Company M.J. Hall and Company, Inc. McClelland and Hine, Inc. McLeckie Insurance Group National Indemnity Company Old American County Mutual Pacific Coast E&S Insurance Services Pacific Gateway Insurance Agency Prime Insurance Company Quirk & Company RIC Insurance General Agency, Inc. RoamNet Insurance Marketing Programs RPS - Risk Placement Services, Inc. Russell Bond & Co., Inc.
www.allrisks.com www.alliantspecialty.com www.amcinsurance.com www.amwins.com www.appund.com www.arrowheadgrp.com www.armonline.com www.bassuw.com www.brechtassoc.com www.cal-regent.com www.chelseasurplus.com www.cbic.com www.coxspecialty.com www.cresprograms.com www.dmi-insurance.com www.epinsurance.com www.evergreeninsmgrs.com www.eibdirect.com www.excelins.com www.gmi-insurance.com www.ipmg.us www.ipoausa.com www.jmrexcess.com www.kbkinsgroup.com www.lancerinsurance.com www.mjhallandcompany.com www.mhi-tx.com www.mcleckie.com www.nationalindemnity.com www.countymutual.com www.pacificcoastes.com www.pgiainsurance.com www.primeis.com www.quirkco.com www.ric-ins.com www.roamnetins.com www.rpsins.com www.russellbond.com
800-366-5810 610-539-0300 800-233-2398 704-749-2700 888-376-9633 619-881-8733 800-224-6363 888-422-7715 817-424-5335 619-596-2770 866-595-8413 800-765-2242 800-648-0357 877-257-2737 800-877-2525 888-825-2740 866-450-1150 877-678-7342 877-530-0111 610-933-4679 888-377-5845 407-260-8200 866-954-9990 800-229-5927 800-782-8902 907-929-5822 800-580-4463 877-905-9090 402-916-3000 913-895-0269 800-772-8538 800-354-4844 800-257-5590 800-299-9421 888-693-7892 877-272-0333 866-595-8413 800-333-7226
Scottish American
www.scottishamerican.com
SeaCoast Underwriters, Inc. Shoemaker & Besser Associates, Inc. Sierra Specialty Southern Cross Underwriters Southern Insurance Underwriters Sun Coast General Insurance Target Managers Insurance Services Texas Commercial Insurance Facilities TOPA Insurance Company Tri-State General Insurance Agencies USG Insurance Services, Inc. W. Brown & Associates Insurance Services Western Heritage Insurance Company
www.seacoastunderwriters.com www.shoemaker-besser.com www.sierraspecialty.com www.scui.com www.siuins.com www.suncoastinsurance.com www.tmi-group.com www.tcif.org www.topains.com www.tsgia.com www.usgins.com www.wbais.com www.westernheritageins.com
800-660-1125 888-774-9977 800-632-9002 866-814-9378 800-824-4403 800-568-1700 800-300-8838 800-864-7111 800-256-6600 800-949-6505 410-546-6459 866-643-1300 949-851-2060 800-873-9442
www.ibamag.com
13/03/2015 6:20:47 AM
PROGRAM DIRECTORY
S
AUTO TRANSPORTERS & HAULERS
AVIATION
Norman Spencer Surefire Insurance Agency The Insurance Professionals
www.norman-spencer.com www.cargoinsurancepro.com www.theinspros.com
888-713-0771 818-355-2808 800-266-4446
Aviation Markets, Inc. BancorpSouth Insurance Services, Inc. Catlin US Global Aerospace MacAfee & Edwards, Inc. Private Client Insurance Group Regional Excess Underwriters, LLC Superior Access Insurance Services, Inc. Transport Risk Management Voce Insurance Inc. Wholesale Connection Insurance Services
www.aviation-markets.com www.bxsi.com www.catlinus.com www.global-aero.com www.macafeeandedwards.com www.privateclientinsurancegroup.com www.regionalxs.com www.superioraccess.com www.transportrisk.com www.voceins.com www.wcis-ins.com
800-688-4901 800-486-8283 404-443-4910 404-262-3335 213-629-9777 866-540-0101 877-738-3170 800-272-7550 866-256-0227 424-204-5484 818-716-9800
www.auminsur.com www.surpluslines.com www.aui-inc.com www.axiom-ins.com www.bmgins.com www.brechtassoc.com www.cochraneco.com www.conwayes.com www.crusaderinsurance.com www.ericksonlarseninc.com www.foundersinsurance.com www.gorst.com www.gray-stone.com www.horizonsurplus.com www.insential.com www.jacobsnow.org www.mjhallandcompany.com www.mhi-tx.com www.meadowbrook.com www.metcomexcess.com www.momentousins.com www.niuw.com www.neitclem.com www.nsa-mga.com www.massagent.com www.ohioeands.com www.psgins.com www.peoples.com/insurance www.programbrokerage.com www.prohostusa.com www.rca-insurance.com www.risco-inc.com www.rms-hg.com www.ssuga.com www.specialtyagency.com www.specialty-lines.com www.sgainfl.com www.gotapco.com www.yesaffordableinsurance.com www.usrisk.com www.usasia-ins.com www.usgins.com www.vilageco.com www.waschickedanz.com www.robertwrightinsurance.com
866-219-0427 360-613-5455 800-993-0024 847-228-5883 630-778-7000 817-424-5335 800-441-4535 800-748-9520 800-669-9800 800-284-0965 800-972-8778 818-507-0900 805-494-4440 805-494-6553 888-571-6160 440-625-2690 907-929-5822 800-580-4463 800-482-2726 201-641-5100 818-933-2700 800-338-2680 612-454-4402 800-328-0828 914-684-2000 866-233-7091 559-389-5816 800-543-3827 908-790-6800 952-922-2404 800-526-0147 800-533-3649 516-742-8585 800-554-3301 800-836-1400 262-737-8990 877-669-8886 800-418-2726 816-763-6377 800-232-5830 909-618-0288 866-643-1300 212-796-6109 800-869-9976 949-489-1833
BARS, TAVERNS, NIGHTCLUBS
American Underwriting Managers Anchor Bay Insurance Managers, Inc. AUI, Inc. Axiom Insurance Managers Benchmark Management Group Brecht & Associates Cochrane & Company Conway E & S Crusader Insurance Company Erickson-Larsen, Inc. Founders Insurance Company Gorst & Compass Insurance Gray-Stone & Company Horizon E & S Insurance Brokerage Insential, Inc. Jacobs & Associates M.J. Hall and Company, Inc. McClelland and Hine, Inc. Meadowbrook Insurance Group Metcom Excess Momentous Insurance Brokerage, Inc. National Insurance Underwriters (NIU) NeitClem Wholesale Insurance Brokerage, Inc. Northern States Agency (NSA) Number One Insurance Agency Ohio E & S Agency Partners Specialty Group, LLC People's United Insurance Agency, Inc. Program Brokerage Corporation ProHost USA RCA Insurance Group RISCO, Inc. RMS Hospitality Group Southeast Surplus Underwriters General Agency Inc. Specialty Insurance Agency Specialty Lines Underwriters Strickland General Agency of FL,Inc TAPCO Underwriters, Inc. Total Risk Management U.S. Risk Insurance Group, Inc. USASIA Insurance Services USG Insurance Services, Inc. Vilage & Company, LLC W.A. Schickedanz Agency, Inc. Wright Insurance Services
www.ibamag.com
46-89_Program Directory-SUBBED 5.indd 57
W
NE
MW
AUTO TRANSPORTERS & HAULERS AVIATION BARS, TAVERNS, NIGHTCLUBS
57
13/03/2015 6:21:01 AM
PROGRAM PROGRAMDIRECTORY DIRECTORY
S
W
NE
MW
BEAUTY & BARBER SHOPS Agency Intermediaries, Inc. American Team Managers Insurance Services, Inc. Continental Brokers, Inc. International Beauty Brokerage IPC Professional Program Insurance Brokerage Ron Rothert Insurance Services Roush Insurance Services, Inc. SASSI - Salon & Spa Specialty Insurance South Texas General Insurance Agency Southeast Surplus Underwriters General Agency Inc. Sports & Fitness Insurance Corporation TAPCO Underwriters, Inc. Towerstone, Inc. VGM Specialty Underwriters
BEAUTY & BARBER SHOPS BOAT/YACHT DEALERS BOWLING ALLEYS
BOAT/YACHT DEALERS
ABCO Insurance Underwriters Arrowhead General Insurance Agency Inc. Atlass Insurance Group Bridge Marine Insurance Diversified Insurance Facilities Global Marine Insurance Agency Maritime Program Group Norman-Spencer Agency, Inc. Pacific Specialty Insurance Company Safehold Special Risk, Inc Specialized Insurance Terheggen/Malone Marine Insurance Services
BUILDER’S RISK
BOWLING ALLEYS
Bill Taylor & Associates, Inc. Founders Insurance Company Glencar Underwriting Managers, Inc. Rowe Insurance Agency Inc. SterlingRisk T.H.E. Insurance Company
www.agencyint.com www.atminsurance.com www.continentalbrokers.biz www.beauty2000.org www.ipc-nv.com www.ppibcorp.com www.ronrothert.com www.roushins.com www.sassiagency.com www.stgia.com www.ssuga.com www.sportsfitness.com/ www.gotapco.com www.towerstonecorp.com www.VGMSU.com
800-262-7475 800-888-9891 (866) 386-4136 800-552-8870 775-782-6655 415-475-4300 800-800-6524 800-752-8402 888-823-9380 800-873-6500 800-554-3301 800.844.0536 800-418-2726 972-725-2100 800-203-3223
www.abcoins.com www.arrowheadgrp.com/ www.atlassinsurance.com www.bridgemarineinsurance.com www.diftx.com/ www.globalmarineinsurance.com www.maritimepg.com www.norman-spencer.com www.psic-onespot.com www.safehold.com/ www.specializedinsurance.com www.mlinsurance.com
866.598.3280 619.881.8733 800-330-3370 508.619.4668 281.364.8300 (800) 748-0224 800-366-8086 800-543-3248 800-303-5000 1-800-842-8917 (631) 758-6782 800-223-6268
www.bowlinginsurance.com www.foundersinsurance.com www.glencarum.com www.richmondky.com www.sterlingrisk.com www.theinsco.com
800-606-6221 800-972-8778 630-875-0723 606-877-9774 516-487-0300 800-237-3355
BUILDER’S RISK S
W
NE
MW
Risk Placement Services www.rpsins.com 856-685-6200 Dedicated to growing custom programs through merger/acquisition of existing programs.
S
W
NE
MW
Great American Insurance Group www.gaig.com 800-545-4269 Great American Insurance Group is committed to helping businesses and organizations manage risks inherent to their industry. We provide innovative solutions and specialize in serving niche marketplaces. This expertise has given us the foundation for success that spans generations.
58
46-89_Program Directory-SUBBED 5.indd 58
Anchor Bay Insurance Managers, Inc. ASI Underwriters Atlantic Risk Specialists Atlantic Specialty Lines Benchmark Management Group Boston Insurance Brokerage, Inc. Canon Insurance Service Combined Resources
www.surpluslines.com www.americanstrategic.com www.arspecialists.com www.atlanticspecial.com www.bmgins.com www.bostonbrokerage.com www.canoninsurance.com www.autoinsureit.com
360-613-5455 866-274-8765 516-482-1881 877-545-9100 630-778-7000 866-331-1997 310-859-8600 631-758-6782
CorRisk Solutions Coventry Risk Specialty Crouse and Associates Deans & Homer Empire Underwriters Grapevine Insurancebrokers International Catastrophe Insurance Managers, LLC (ICAT)
www.corrisksolutions.com www.coventryrisk.com www.crouseandassociates.com www.deanshomer.com www.empireunderwriters.com www.grapevineinsurancebrokers.com www.icat.com
631-393-1010 516-750-1312 415-982-3870 800-345-2054 800-758-8113 707-251-8518 303-447-1155
www.ibamag.com
13/03/2015 6:21:13 AM
PROGRAM DIRECTORY
S
BUSES
Napco LLC National Lloyds Insurance Company National Risk Solutions NSM Insurance Group OnPoint Underwriting PER se Program Brokerage Corporation RISC, Inc. RPS - Risk Placement Services, Inc. Safehold Special Risk Southeast Surplus Underwriters General Agency Inc. Specialized Insurance Specialty Lines Underwriters Strickland General Agency, Inc Strickland Insurance Brokers, Inc. TAPCO Underwriters, Inc. Technical Risk Underwriters Tejas American General Agency The McSweeny Agency US Assure Vilage & Company, LLC Vintage Underwriters Wholesale Connection Insurance Services Worldwide Facilities, Inc.
www.napcollc.com www.natlloyds.com www.nrsinsurance.com www.nsminc.com www.onpointunderwriting.com www.powerenergyrisk.com www.programbrokerage.com www.gorisc.com www.rpsins.com www.safehold.com www.ssuga.com www.specializedinsurance.com www.specialty-lines.com www.sgainga.com www.sibrokers.com www.gotapco.com www.truins.com www.taga1.com www.mcsweenyins.com www.usassure.com www.vilageco.com www.vintageunderwriters.com www.wcis-ins.com www.wwfi.com
723-549-5222 480-951-0905 973-830-8500 508-634-2902 888-996-7600 949-873-0324 908-790-6800 800-725-7472 866-595-8413 800-842-8917 800-554-3301 631-758-6782 262-737-8990 800-825-5742 888-495-4950 800-418-2726 512-591-8785 888-999-8242 856-722-5255 800-800-3907 212-796-6109 800-488-5771 818-716-9800 678-736-6720
Alteris, Inc. Care Providers Insurance Services, LLC Delta General Agency Corporation KF&B Inc. Trans Risk Solutions, LLC
www.alterisus.com www.ins-cps.com www.deltains.com www.kfbins.com www.transriskinsurance.com
866-650-4016 800-761-7072 800-666-2678 877-242-7700 732-675-6777
Advanced Risk Solutions Atlas General Insurance Services Commodore Insurance Services Contractors Bonding and Insurance Company (CBIC) First Choice Ins. Intermediaries, Inc. Grapevine Insurancebrokers Insurance Cloud Marketing Services, Inc. International Underwriting Agency Iroquois Group KZ Insurance Brokerage, LLC
www.arisksolutions.com www.atlas.us.com www.commodoreins.com www.cbic.com www.firstchoiceii.com www.grapevineinsurancebrokers.com www.icloudmarketing.org www.iua.bz www.iroquoisgroup.com www.kzib.com
800-976-6369 714-769-9094 877-247-2500 800-765-2242 866-821-9572 707-251-8518 877-465-7473 718-461-8088 716-373-5511 530-926-6030
Gales Creek Insurance, A division of J D Fulwiler Insurance, Inc. Great American Insurance, Specialty Human Services K&K Insurance Group, Inc. Lefebvre Insurance, LLC Markel Specialty National Lloyds Insurance Company Special Markets Insurance Consultants Sports & Fitness Insurance Corporation (SFIC)
www.eventinsurancenow.com www.specialtyhumanservices.com www.kandkinsurance.com www.lefebvreinsurance.com www.markelinsurance.com www.natlloyds.com www.specialmarkets.com www.sportsfitness.com
503-227-0491 800-542-4245 800-637-4757 800-451-9668 800-431-1270 480-951-0905 719-302-4216 800-844-0536
W
NE
MW
BUILDER’S RISK BUSES BUSINESS OWNER’S POLICY CAMPS CANNABIS
BUSINESS OWNER’S POLICY
CAMPS
CANNABIS
www.ibamag.com
46-89_Program Directory-SUBBED 5.indd 59
Cannarisk Insurance and Risk Managemnt Casey Insurance Group ChemPlan Consumer Specialties Insurance Company (RRG) GP Insurance Brokers, LLC GSS Insurance Services NeitClem Wholesale Insurance Brokerage, Inc. Surety One, Inc. Teso Insurance Services, Inc.
www.cannarisk.com www.caseyinsurancegrp.com www.chemplan.net www.csiplus.com www.gpinsurancebrokers.com www.gssinsurance.com www.neitclem.com www.suretyone.org www.tesoinsurance.com
800-606-2003 888-537-1412 800-410-1511 800-593-0116 916-503-4808 760-947-5500 612-454-4402 800-373-2804 714-329-2448
59
13/03/2015 6:21:26 AM
Some crews spend time working in the pits‌
Others have
superior mechanics
that keep you on track. NetRate Systems Commercial Lines Rating & Policy Issuance Solutions
For More Information, Contact NetRate Systems at 517-347-4900
www.NetRate.com 46-89_Program Directory-SUBBED 5.indd 60
13/03/2015 6:21:33 AM
TRUSTED PARTNERS More than 65 MGA’s, Program Administrators, and Carriers trust the NetRate Systems team to deliver on… Service. A responsive professional service team maintains your systems so you can focus on using it.
Experience. Over 17 years of developing and maintaining high quality rating based solutions.
Expertise. Development, support, and service teams that know commercial insurance.
RAPIDLY DEPLOYED RATING & POLICY ISSUANCE SOLUTIONS
Speed to Market.
Affordable.
Pre-configured ISO commercial lines, NCCI workers comp, and bureau based rating rules, data, and forms libraries get your products to market quickly and accurately.
Many programs, companies, and carriers at one affordable price.
Flexible. Easily configure custom and proprietary rating, policy forms, and business rules.
Low Maintenance. Solution license includes maintenance of ISO, NCCI and bureau based rating and forms content. No additional cost!
46-89_Program Directory-SUBBED 5.indd 61
Solution license includes hosting of web services and web components. Includes upgrades. Don’t get left behind on an old version!
Efficient. Interfaces, integrations, and reporting features designed to minimize data entry.
13/03/2015 6:21:47 AM
PROGRAM PROGRAMDIRECTORY DIRECTORY
S
W
NE
MW
CAR WASHES
CAR WASHES CARGO CARGO
CATERING CHARITABLE/ NONPROFITS CATERING
Arrowhead General Insurance Agency Inc. Glatfelter Insurance Group McClelland and Hine, Inc. RoamNet Insurance Marketing Programs The Insurancenter
www.arrowheadgrp.com www.glatfelters.com www.mhi-tx.com www.roamnetins.com www.theinsurancenter.com
619-881-8733 800-233-1957 800-580-4463 877-272-0333 800-444-8675
Avant Bolton & Company Brazos Specialty Risk, Inc. Carolina Casualty Insurance Company Global Partners Insurance Brokers, Inc. Global Special Risks, LLC IPA Risk Management, LLC Magaya Insurance Services, Inc. N-Surance Outlets, Inc Paul Hanson Partners Specialty Ins. Solutions Strickland General Agency of FL,Inc Strickland Insurance Brokers, Inc. TCB Insurance Programs Transportation Risk Underwriters, Inc. Trinity Transportation Services
www.avantins.com/subsidiaries-tis www.boltonmga.com www.brazosrisk.com www.carolinacas.com www.globalpartners-ins.com www.globalspecialrisks.com www.ipariskmanagement.com www.magayainsurance.com www.nsoins.com www.paulhanson.com www.sgainfl.com www.sibrokers.com www.tcbinspro.com www.transportationrisk.com www.trinitytransp.com
800-542-2441 502-583-8361 877-282-7637 800-874-8053 888-240-7843 403-538-4768 201-797-1076 201-204-0050 800-366-1450 707-261-2704 877-669-8886 888-495-4950 574-583-8661 800-686-2170 904-278-7792
ProHost USA RMIS Special Markets Insurance Consultants TAPCO Underwriters, Inc. Western Security Surplus Insurance Brokers, Inc.
www.prohostusa.com www.rmismga.com www.specialmarkets.com www.gotapco.com www.wssib.com
952-922-2404 714-578-3365 719-302-4216 800-418-2726 800-733-5844
www.allsolutionspbs.com www.insurancefornonprofits.org www.alliantspecialty.com www.amisinsurance.com www.aonassociationservices.com www.blaisexcess.com www.ins-cps.com www.charityfirst.com www.cmiprorisk.com www.countrywidebrokerage.com www.gaddiscompany.com www.firstierga.com www.foxpointprg.com
888-376-5884 800-359-6422 610-539-0300 800-843-8550 800-432-7465 512-894-3460 800-761-7072 415-536-4037 415-433-7700 800-916-9993 312-853-0071 877-906-7944 800-499-7242
CHARITABLE/NONPROFITS
All Solutions PBS LLC Alliance of Nonprofits for Insurance, Risk Retention Group Alliant Specialty Insurance Services AMIS Alliance Marketing and Insurance Services Aon Association Services Blais Excess & Surplus Agency of Texas, Ltd. Care Providers Insurance Services, LLC Charity First Insurance Services Inc. Cooper & McCloskey, Inc. Countrywide Brokerage Services Donald Gaddis Co., Inc. Insurance Services FirsTier General Agency Fox Point Programs Gateway Specialty Insurance - Your Insurance Specialist for
62
46-89_Program Directory-SUBBED 5.indd 62
Nonprofits & Social Services www.gatewayspecialty.com Great American Insurance Group - Executive Liability Division www.greatamericaneld.com
877-977-4474 312-385-4250
HCC Specialty/Professional Indemnity Agency Hyers and Associates, Inc. Irwin Siegel Agency, Inc. Jorgensen & Company Markel Specialty Monarch E&S Insurance Services Negley Associates NIF Group, Inc. Philadelphia Insurance Companies Private Client Insurance Group R.E. Chaix & Associates
www.piaint.com www.ohioinsureplan.com www.siegelagency.com www.jorgensenandcompany.com www.markelinsurance.com www.monarchexcess.com www.jjnegley.com www.nifgroup.com www.phly.com www.privateclientinsurancegroup.com www.rechaixinsurance.com
914-242-7845 888-901-5650 800-622-8272 201-447-4400 800-431-1270 877-406-8026 800-548-4301 800-691-5903 972-488-8535 866-540-0101 800-369-4337
Rockwood Programs Roush Insurance Services, Inc. RV Nuccio & Associates Victor O. Schinnerer & Company, Inc. Western Special Risks, Inc. XL E&S
www.rockwoodinsurance.com www.roushins.com www.rvnuccio.com www.schinnerer.com www.westernspecialrisks.com www.xlinsurance.com
800-558-8808 800-752-8402 800-567-2685 301-961-9800 888-317-5575 312-444-6500
www.ibamag.com
13/03/2015 6:21:59 AM
PROGRAM DIRECTORY
S
CHEMICAL MFG AND PRODUCTS
ChemPlan Consumer Specialties Insurance Company (RRG) Inter-Pacific Insurance Brokers, Inc. Napco LLC NeitClem Wholesale Insurance Brokerage, Inc. Sloan Mason Insurance Services Southwest Risk, Lp Woodlands Insurance Services
www.chemplan.net www.csiplus.com www.interpacificbrokers.com www.napcollc.com www.neitclem.com www.sloanmason.com www.swrisk.com www.woodlandsinsurance.com
800-410-1511 800-593-0116 559-634-1400 723-549-5222 612-454-4402 619-325-1719 214-206-4900 281-367-5010
Agency Intermediaries, Inc. Agency Marketing Services Alliance of Nonprofits for Insurance, Risk Retention Group Care Providers Insurance Services, LLC Charity First Excel Insurance Services, Inc. Gateway Specialty Insurance - Your Insurance Specialist for Nonprofits & Social Services Gorst & Compass Insurance Insurance House Markel Specialty Monarch E&S Insurance Services Nautilus Insurance Co. & Great Divide Ins. Co. Northern States Agency (NSA) Ohio E & S Agency
www.agencyint.com www.agencymarketing.com www.insurancefornonprofits.org www.ins-cps.com www.charityfirst.com www.excelins.com
800-262-7475 727-384-1036 800-359-6422 800-761-7072 800-352-2761 877-530-0111
www.gatewayspecialty.com www.gorst.com www.insurancehouse.com www.markelinsurance.com www.monarchexcess.com www.nautilusinsgroup.com www.nsa-mga.com www.ohioeands.com
877-977-4474 818-507-0900 800-282-7024 800-431-1270 877-406-8026 516-431-8300 800-328-0828 866-233-7091
Southern Cross Underwriters Special Markets Insurance Consultants Strickland General Agency of FL,Inc TAPCO Underwriters, Inc. Texas Commercial Insurance Facilities The ACE Group USI Affinity Brokerage Services VGM Specialty Underwriters West Bend Mutual Insurance Company
www.scui.com www.specialmarkets.com www.sgainfl.com www.gotapco.com www.tcif.org www.acegroup.com/us www.usiaffinity.com www.vgmsu.com www.thesilverlining.com
800-824-4403 719-302-4216 877-669-8886 800-418-2726 800-256-6600 215-640-5295 800-265-2876 800-203-3223 800-760-9250
AMIS Alliance Marketing and Insurance Services
www.amisinsurance.com
800-843-8550
Arrowhead General Insurance Agency Inc. Charity First Insurance Services Inc. Dunfield Wholesale Insurance Brokers Grand General Agency HCC Specialty/Professional Indemnity Agency Integrity Now Insurance Brokers, Inc. Philadelphia Insurance Companies Ramsgate Insurance, Inc. TAPCO Underwriters, Inc. Weiss Insurance Agencies Western Heritage Insurance Company
www.arrowheadgrp.com www.charityfirst.com www.dunfield.biz www.thehelpfulpeople.com www.piaint.com www.integritynowins.com www.phly.com www.ramsgateinsurance.com www.gotapco.com weissins.com www.westernheritageins.com
619-881-8733 415-536-4037 800-899-6922 800-869-2022 914-242-7845 562-606-1030 972-488-8535 800-394-2767 800-418-2726 630-584-1717 800-873-9442
www.centurionusa.com www.founderspro.com www.eventinsurancenow.com www.lefebvreinsurance.com www.natlloyds.com www.propraxisins.com www.specialmarkets.com www.swett.com
800-258-3056 727-498-6503 503-227-0491 800-451-9668 480-951-0905 212-401-1561 719-302-4216 404-240-5200
www.insurancefornonprofits.org www.charityfirst.com www.piaint.com www.kandkinsurance.com www.nsa-mga.com www.rca-insurance.com
800-359-6422 800-352-2761 914-242-7845 800-637-4757 800-328-0828 800-526-0147
CHILD CARE, DAY CARE
CHURCHES, RELIGIOUS INSTITUTIONS
CLINICAL RESEARCH
Centurion Insurance Group Founders Professional Gales Creek Insurance, A division of J D Fulwiler Insurance, Inc. Lefebvre Insurance, LLC National Lloyds Insurance Company Pro-Praxis Insurance Special Markets Insurance Consultants Swett & Crawford
CLUBS, SOCIAL GROUPS
Alliance of Nonprofits for Insurance, Risk Retention Group Charity First HCC Specialty/Professional Indemnity Agency K&K Insurance Group, Inc. Northern States Agency (NSA) RCA Insurance Group
www.ibamag.com
46-89_Program Directory-SUBBED 5.indd 63
W
NE
MW
CHEMICAL MFG AND PRODUCTS CHILD CARE, DAY CARE CHURCHES, RELIGIOUS INSTITUTIONS CLINICAL RESEARCH CLUBS, SOCIAL GROUPS
63
13/03/2015 6:22:11 AM
PROGRAM PROGRAMDIRECTORY DIRECTORY
S
W
NE
MW
COASTAL PROPERTY
Boston Insurance Brokerage, Inc. BUA, LLC Cabrillo Coastal General Insurance Coastal Agents Alliance, LLC Commercial Insurance Group, LLC Connecticut Underwriters, Inc. DeCotis Insurance Associates Excel Insurance Services, Inc. GeoVera Holdings, Inc. Insential, Inc. International Catastrophe Insurance Managers, LLC (ICAT) Keith D. Peterson & Company, Inc. MacNeill Group, Inc., CMGA Napco LLC R-T Specialty, LLC Corporate Headquarters Select Insurance Markets South & Western Swett & Crawford
COASTAL PROPERTY COLLATERAL RECOVERY COMMUNITY, HOMEOWNER’S ASSOCIATIONS
www.bostonbrokerage.com www.buainsurance.com www.cabgen.com www.coastalagentsalliance.com www.cig-llc.biz www.ctunderwriters.com www.decotisinsurance.com www.excelins.com www.geoveraholdingsinc.com www.insential.com www.icat.com www.keithdpeterson.com www.macneillgroup.com www.napcollc.com www.rtspecialty.com www.selectinsurancemarkets.com www.southandwestern.com www.swett.com
866-331-1997 888-772-5005 858-244-0550 609-390-1645 877-737-8054 800-982-3881 781-794-1400 877-530-0111 707-863-3700 888-571-6160 303-447-1155 804-643-7800 800-432-3072 723-549-5222 312-784-6001 800-489-2501 800-492-5351 404-240-5200
COLLATERAL RECOVERY S
W
NE
MW
Norman-Spencer Agency: Collateral Recovery www.norman-spencer.com 888-713-0771 Coverage provides protection for your owned equipment, your operation and your customers’ collateral.
COMMUNITY, HOMEOWNER’S ASSOCIATIONS S
W
NE
MW
Willis Programs CommunityAssociationGuardSM www.willisprograms.com 603-334-3029 A program for Homeowner’s Associations (HOAs), Community Associations (POAs) or Planned Communities (PUDs) that require insurance on their common area property and liability.
S
W
NE
MW
Great American Insurance Group www.gaig.com 800-545-4269 Great American Insurance Group is committed to helping businesses and organizations manage risks inherent to their industry. We provide innovative solutions and specialize in serving niche marketplaces. This expertise has given us the foundation for success that spans generations.
S
W
NE
MW
U.S. Risk Underwriters TCAP www.usrisk.com 800-232-5830 The Tailored Community Association Plan (TCAP) provides customized insurance coverage designed for condominium, town home and single-family community associations. Coverage available: Property, General Liability, Hired and Non-Owned Auto, Crime, Equipment Breakdown, Directors and Officers, Umbrella / Excess Liability
64
46-89_Program Directory-SUBBED 5.indd 64
Abram Interstate Insurance Services, Inc. Cabrillo Coastal General Insurance CID Insurance Programs, Inc. Coastal Insurance Underwriters Gateway Specialty Insurance - Your Insurance Specialist for Nonprofits & Social Services
www.abraminterstate.com www.cabgen.com www.cidinsurance.com www.ciuins.com
800-955-4465 858-244-0550 800-922-7283 904-285-7683
www.gatewayspecialty.com
877-977-4474
Ian H. Graham Insurance Kevin Davis Insurance Services, Inc. Morstan General Agency Preferred Property Programs QuoteNBind The McGowan Companies
www.ihginsurance.com www.kdisonline.com www.morstan.com www.ppp-quotes.com www.quotenbind.com www.mcgowancompanies.com
800-621-2324 877-807-8708 516-488-4747 888-548-2465 213-293-4802 800-545-1538
www.ibamag.com
13/03/2015 6:22:23 AM
PROGRAM DIRECTORY
S
COMPUTER PROGRAMMING
BJW Insurance Services, LLC CMS, LLC Countrywide Brokerage Services IT Risk Managers, Inc. Logic Underwriters, Inc Morstan General Agency
www.bjwins.com www.cmsrisk.com www.countrywidebrokerage.com www.itriskmanagers.com www.logicinsurance.com www.morstan.com
510-208-6625 516-799-4200 800-916-9993 888-280-8710 214-739-0071 516-488-4747
CONCRETE PUMPS & PUMPERS S
W
NE
MW
Norman-Spencer Agency: Concrete Pumpers www.norman-spencer.com 888-713-0771
NE
MW
COMPUTER PROGRAMMING CONCRETE PUMPS & PUMPERS
The number one choice of concrete pumping companies nationwide and the only property and casualty insurance program endorsed by the ACPA. Coverage available: Property, General Liability, Auto, Inland Marine, Workers Compensation, Umbrella
CONDOS
W
NationsBuilders Insurance Services, Inc. (NBIS) Norman-Spencer Agency, Inc.
www.nbis.com www.norman-spencer.com
866-668-NBIS 888-713-0771
CONDOS
Advanced AFG Risk Services, LLC Blais Excess & Surplus Agency of Texas, Ltd. Cabrillo Coastal General Insurance CIBA Insurance Services Coastal Agents Alliance, LLC Core Programs Distinguished Programs First American Property & Casualty Ins Co Gerald J. Wilkoff, Inc.
www.eventshield.com www.blaisexcess.com www.cabgen.com www.cibaservices.com www.coastalagentsalliance.com www.core-programs.com www.distinguished.com www.firstam.com www.wilkoffbonds.com
860-742-6666 512-894-3460 858-244-0550 818-638-8525 609-390-1645 877-585-4048 888-355-4626 888-474-7500 516-747-0200
CONSTRUCTION
Great American Insurance Group - Executive Liability Division www.greatamericaneld.com
312-385-4250
Horizon E & S Insurance Brokerage
www.horizonsurplus.com
805-494-6553
Ian H. Graham Insurance InSmart Risk Purchasing Group Insurance Center Special Risks Limited Kevin Davis Insurance Services, Inc. Lighthouse Property Insurance Corporation New Empire Group PGI Commercial Preferred Concepts
www.ihginsurance.com ww.insmartnational.com www.specialrisksltd.com www.kdisonline.com www.lighthousepropertyins.com www.newempiregroup.com www.pgicommercial.com www.preferredconcepts.com
800-621-2324 914-607-5020 888-773-7475 877-807-8708 888-544-4885 800-749-6419 973-631-7575 646-218-3224
Preferred Property Programs
www.ppp-quotes.com
888-548-2465
Preferred Specialty, LLC RISCO, Inc.
www.preferredre.com www.risco-inc.com
803-790-4800 800-533-3649
Sigma Underwriting Managers Specialty Programs & Facilities Managers, Inc. (AmWins) Sterling Undewriters Agency, Inc. SterlingRisk TAPCO Underwriters, Inc. The Central Agency UCA General Insurance Services, Inc. VGM Specialty Underwriters Vilage & Company, LLC Vision One Insurance Services, Inc.
www.sigmaprograms.com www.specialtyprograms.net www.sterlingunderwriters.com www.sterlingrisk.com www.gotapco.com www.thecentralagency.com www.ucageneral.com www.vgmsu.com www.vilageco.com www.visiononeinsurance.com
954-893-1720 866-308-7736 312-755-0099 516-487-0300 800-418-2726 800-678-1642 800-222-5582 800-203-3223 212-796-6109 800-557-4119
www.amwins.com www.arrowheadgrp.com www.cig-llc.biz www.cip-stl.com www.constructioninsuranceservices.com www.coverx.com
704-749-2700 619-881-8733 877-737-8054 800-316-4031 214-884-1800 800-762-6837
CONSTRUCTION AmWINS Program Underwriters Arrowhead General Insurance Agency Inc. Commercial Insurance Group, LLC Construction Insurance Partners Construction Insurance Services, LLC CoverXSpecialty
www.ibamag.com
46-89_Program Directory-SUBBED 5.indd 65
65
13/03/2015 6:22:45 AM
Norman-Spancer_15_15_FINAL.pdf
1
2/27/15
8:43 AM
YOUR INSURANCE SOLUTION.
onstruction ∙ Specialty Haulers ∙ Boat Dealers ∙ Vacant Buildings ∙ Trucking ∙ Boom Trucks ∙ Emergency Auto ∙ Yachts ∙ Collateral Re eal Estate E&O ∙ Steel Erection ∙ Contractors Tools & Equipment ∙ Marine ∙ Concrete Pumpers ∙ Demolition ∙ Auto Transporters ∙ Coll
Repossession ∙ Contractor Auto ∙ Wholesale ∙ Readymix ∙ Marinas ∙ Transportation ∙ Roofing ∙ Towing ∙ Hired & Non-Owned Auto ∙ Boa C
M
ranes ∙ Construction ∙ Specialty Haulers ∙ Boat Dealers ∙ Vacant Buildings ∙ Trucking ∙ Boom Trucks ∙ Emergency Auto ∙ Yachts ∙ Coll Y
CM
ecovery ∙ Real Estate E&O ∙ Steel Erection ∙ Contractors Tools & Equipment ∙ Marine ∙ Concrete Pumpers ∙ Demolition ∙ Auto Transpo MY
CY
ollectibles ∙ Repossession ∙ Contractor Auto ∙ Wholesale ∙ Readymix ∙ Marinas ∙ Transportation ∙ Roofing ∙ Towing ∙ Hired & Non-Own CMY
K
Boats ∙ Cranes ∙ Construction ∙ Specialty Haulers ∙ Boat Dealers ∙ Vacant Buildings ∙ Trucking ∙ Boom Trucks ∙ Emergency Auto ∙ Yac
ollateral Recovery ∙ Real Estate E&O ∙ Steel Erection ∙ Contractors Tools & Equipment ∙ Marine ∙ Concrete Pumpers ∙ Demolition ∙ Au
ransporters ∙ Collectibles ∙ Repossession ∙ Contractor Auto ∙ Wholesale ∙ Readymix ∙ Marinas ∙ Transportation ∙ Roofing ∙ Towing ∙ Hir
on-Owned Auto ∙ Boats ∙ Cranes ∙ Construction ∙ Specialty Haulers ∙ Boat Dealers ∙ Vacant Buildings ∙ Trucking ∙ Boom Trucks ∙ Eme
uto ∙ Yachts ∙ Collateral Recovery ∙ Real Estate E&O ∙ Steel Erection ∙ Contractors Tools & Equipment ∙ Marine ∙ Concrete Pumpers ∙
ion ∙ Auto Transporters ∙ Collectibles ∙ Repossession ∙ Contractor Auto ∙ Wholesale ∙ Readymix ∙ Marinas ∙ Transportation ∙ Roofing
46-89_Program Directory-SUBBED 5.indd 66
13/03/2015 6:22:57 AM
Serving the insurance community as a Program Administrator and Wholesaler since 1988.
Tailored Insurance Solutions in the Following Areas:
Collateral Recovery ∙
porters ∙ Collectibles
ed Auto ∙ Boats ∙
CONSTRUCTION
Yachts ∙ Collateral
Auto Transporters ∙
d & Non-Owned Auto
cy Auto ∙ Yachts ∙
molition ∙ Auto
∙ Towing ∙ Hired &
Trucks ∙ Emergency
e Pumpers ∙ Demoli-
n ∙ Roofing
MARINE TRANSPORTATION SPECIALTY Want more information?
888.713.0771
info@norman-spencer.com
In California: Norman-Spencer Insurance Agency License #0B64551 Norman-Spencer Agency Inc. ® All Rights Reserved.
46-89_Program Directory-SUBBED 5.indd 67
norman-spencer.com
13/03/2015 6:23:12 AM
PROGRAM PROGRAMDIRECTORY DIRECTORY
S
W
NE
MW
CONSTRUCTION, CTD.
Hays Companies Omega Insurance Solutions Peachtree Special Risk Brokers Quaker Special Risk Real PEO Insurance Programs Regency Insurance Brokerage Services R-T Specialty, LLC Corporate Headquarters SeaBright Insurance Company Travis-Pedersen, A Brown & Riding Company Wrap Up Insurance Solutions
CONSTRUCTION
CONTRACTORS
www.hayscompanies.com www.omegapeo.com www.psrllc.com www.qsr-insurance.com www.realpeo.com www.regencyinsurancebrokerage.com www.rtspecialty.com www.sbic.com www.travped.com www.wrapupsolutions.com
888-437-7005 866-997-0711 201-913-8030 800-447-4180 866-795-9613 800-982-1895 312-784-6001 206-269-8500 616-977-7800 636-489-0185
CONTRACTORS S
W
NE
MW
Freberg Environmental: Engineers, Laboratories, Consultants & Contractors www.feiinsurnace.com 800-377-4152 FEI writes many types of non-environmental engineers, analytical testing firms, laboratories and oil and gas consultants through Lloyd’s of London.
S
W
NE
MW
Hill Programs: Architects, Engineers, Construction Managers, Design Build & Contractors www.hillprograms.com 877-778-1114 Hill Program Managers, LLC provides professional liability and contractor’s pollution liability for architects, engineers, construction managers, design/build firms and contractors. Coverage is available in all 50 states. Limits of liability are available up to $5,000,000. Minimum premiums begin at $2,500.Coverage enhancements include independent contractor, leased employee, and temporary employees as insured. Joint venture coverage. Full severability of exclusions. Blanket waiver of subrogation. Technology and privacy coverage. Transportation pollution, crisis management. Free pre-claims assistance. Free contract review.
S
W
NE
MW
Great American Insurance Group www.gaig.com 800-545-4269 Great American Insurance Group is committed to helping businesses and organizations manage risks inherent to their industry. We provide innovative solutions and specialize in serving niche marketplaces. This expertise has given us the foundation for success that spans generations.
S
W
NE
MW
Norman-Spencer Agency: Contractor Tools & Equipment www.norman-spencer.com 888-713-0771 Our Contractors Tools & Equipment is exclusive to Norman-Spencer, as we have in-house quoting capabilities, quick quote turnaround times and competitive pricing. The Contractor Tools & Equipment program has $750 minimum premiums and with an Admitted A-Rated carrier.
S
W
NE
MW
Norman-Spencer Agency: Contractors Auto www.norman-spencer.com 888-713-0771 A monoline auto program for contractors auto fleets. The program offers broad coverage enhancements and tailored loss control.
S
W
NE
MW
Risk Placement Services www.rpsins.com
856-685-6200
Dedicated to growing custom programs through merger/acquisition of existing programs. Aberdeen Insurance Group, Inc. Access Point Insurance Services Affordable Home Services, Inc./The Colonial Group, Inc. American Eagle Bonding Agency AMWINS Anderson & Murison, Inc. Apollo General Insurance Agency, Inc. Appalachian Underwriters, Inc. Appleby & Sterling, Inc. Applied Underwriters, Inc. Atlantic Risk Specialists BJW Insurance Services, LLC Blackmoor General Insurance Agency
68
46-89_Program Directory-SUBBED 5.indd 68
www.aberdeeninsgrp.com www.accesspointins.net www.ahsi.net www.aebonds.com www.amwins.com www.andersonmurison.com www.apgen.com www.appund.com www.applebyandsterling.com www.auw.com www.arspecialists.com www.bjwins.com www.blackmooragency.com
800-845-4150 800-504-0253 888-233-1555 480-985-1618 704-749-2700 323-255-2333 800-624-5829 888-376-9633 805-583-9828 877-234-4450 516-482-1881 510-208-6625 267-495-2300
www.ibamag.com
13/03/2015 9:21:33 PM
PROGRAM DIRECTORY
S Blue River Underwriters Brazos Specialty Risk, Inc. Brecht & Associates Breckenridge Insurance Services Buy a Surety Bond Ck Specialty Insurance Associates, Inc. Combined Resources Construction Insurance Partners Construction Insurance Solutions Crouse and Associates DBL Surety Empire Underwriters Erickson-Larsen, Inc. FirsTier General Agency GMI Insurance Services Grapevine Insurancebrokers Gremesco of NJ, LLC GSS Insurance Services Hull & Company IMS/London American Insurance Cloud Marketing Services, Inc. Insurance Specialty Group, LLC International Catastrophe Insurance Managers, LLC (ICAT) International Transportation & Marine Agency Irvin B. Green & Associates, Inc. James River Insurance Company Keller & Co, Inc. Klein & Costa Insurance Services Med James, Inc. Midwestern Insurance Alliance, LLC Milton O. Johnston & Company, Ltd. National E&S Insurance Brokers, Inc. National Indemnity Company New Day Underwriting Managers, LLC Norman-Spencer Agency, Inc. Omega Insurance Solutions OnPoint Underwriting Oryx Insurance Brokerage, Inc. Ox Bonding Insurance Services Pacific Gateway Insurance Agency Peachtree Special Risk Brokers PGI Commercial Preferred Concepts Prime Insurance Company Ramsgate Insurance, Inc. Roush Insurance Services, Inc. RPS - Risk Placement Services, Inc. SafePro Insurance Services Scottish American SeaBright Insurance Company Sierra Specialty SIS Insurance Services, Inc. Southern Insurance Underwriters TB&C Wholesale Insurance The Insco Dico Group, an AmTrust North America Company The Navigators Group, Inc. USASIA Insurance Services USG Insurance Services, Inc. Veracity Insurance Solutions, LLC Western Security Surplus Insurance Brokers, Inc. Wholesale Brokerage & Insurance Services LLC Wholesale Connection Insurance Services
CONTRACTORS’ EQUIPMENT
Benchmark Management Group Construction Insurance Solutions CorRisk Solutions Global Special Risks, LLC Horizon E & S Insurance Brokerage
www.ibamag.com
46-89_Program Directory-SUBBED 5.indd 69
www.blueriveruw.com www.brazosrisk.com www.brechtassoc.com www.breckis.com www.buyasuretybond.com www.ckspecialty.com www.autoinsureit.com www.cip-stl.com www.constructioninsurancesolutions.com www.crouseandassociates.com www.dblsuretybonds.com www.empireunderwriters.com www.ericksonlarseninc.com www.firstierga.com www.gmi-insurance.com www.grapevineinsurancebrokers.com www.gremesconj.com www.gssinsurance.com www.hullco.com www.imslondonamerican.com www.icloudmarketing.org www.insurancespecialtygroup.com www.icat.com www.itmagency.com www.ibgreen.com www.jamesriverins.com www.kellerandco.com www.kleincosta.com www.medjames.com www.mwiainsurance.com www.moj-co.com www.nationaleands.com www.nationalindemnity.com www.newdayunderwriting.com www.norman-spencer.com www.omegapeo.com www.onpointunderwriting.com www.oryxinsurance.com www.oxbonding.com www.pgiainsurance.com www.psrllc.com www.pgicommercial.com www.preferredconcepts.com www.primeis.com www.ramsgateinsurance.com www.roushins.com www.rpsins.com www.safeproins.com www.scottishamerican.com www.sbic.com www.sierraspecialty.com www.sisinsure.com www.siuins.com www.tbandcbrokerage.com www.inscodico.com www.navg.com www.usasia-ins.com www.usgins.com www.veracityinsurance.com www.wssib.com www.wholesalebrokerins.com www.wcis-ins.com
678-322-3538 877-282-7637 817-424-5335 678-322-3535 623-695-3334 800-411-0083 631-758-6782 800-316-4031 214-363-8880 415-982-3870 386-316-2547 800-758-8113 800-284-0965 877-906-7944 800-722-3229 707-251-8518 732-761-9904 760-947-5500 954-527-4855 214-373-3936 877-465-7473 678-742-6300 303-447-1155 866-574-ITMA 877-424-7336 804-289-2700 716-874-1644 714-918-0914 800-255-6503 502-429-9990 281-444-5167 661-266-4444 402-916-3000 217-371-3732 800-543-3248 866-997-0711 888-996-7600 607-724-0173 877-558-4369 800-354-4844 201-913-8030 973-631-7575 646-218-3224 800-257-5590 800-394-2767 800-752-8402 866-595-8413 888-411-7679 800-660-1125 206-269-8500 866-814-9378 760-599-7242 800-568-1700 877-578-4000 800-782-1546 212-244-2333 909-618-0288 866-643-1300 866-395-1308 800-733-5844 877-270-7362 818-716-9800
www.bmgins.com www.constructioninsurancesolutions.com www.corrisksolutions.com www.globalspecialrisks.com www.horizonsurplus.com
630-778-7000 214-363-8880 631-393-1010 403-538-4768 805-494-6553
W
NE
MW
CONTRACTORS
CONTRACTORS’ EQUIPMENT
69
13/03/2015 6:23:36 AM
PROGRAM PROGRAMDIRECTORY DIRECTORY
S
W
NE
MW
CONTRACTORS’ EQUIPMENT, CTD. CONTRACTORS’ EQUIPMENT CONVENIENCE STORES COUNTRY CLUBS, GOLF COURSES
Insential, Inc. Keith D. Peterson & Company, Inc. Klein & Costa Insurance Services Landscape Contractors McLeckie Insurance Group OnPoint Underwriting Safehold Special Risk, Inc South Texas General Insurance Agency Specialty Lines Underwriters Specialty Risk Associates, Inc. Western World Insurance Group
www.insential.com www.keithdpeterson.com www.kleincosta.com www.lcisinc.com www.mcleckie.com www.onpointunderwriting.com www.safehold.com www.stgia.com www.specialty-lines.com www.specialty-risk.com www.westernworld.com
888-571-6160 804-643-7800 714-918-0914 800-628-8735 877-905-9090 888-996-7600 800-842-8917 800-873-6500 262-737-8990 318-865-7023 201-847-8600
Zurich Programs
www.zprogramsmatch.com
866-873-0782
www.auminsur.com www.arrowheadgrp.com www.ipc-nv.com www.iwains.com www.IzzoInsurance.com www.meadowbrook.com www.pacificcoastes.com www.pennockins.com www.ramsgateinsurance.com www.shoemaker-besser.com www.stgia.com www.stonebridgeuw.com www.gotapco.com www.towerstonecorp.com www.trytoninsurance.com www.vintageunderwriters.com www.wssib.com
866-219-0427 619-881-8733 775-782-6655 800-243-1811 800-800-1704 800-482-2726 800-772-8538 800-662-5182 800-394-2767 800-632-9002 800-873-6500 877-965-0123 800-418-2726 972-725-2100 713-351-8237 800-488-5771 800-733-5844
Braishfield Associates, Inc. Brazos Specialty Risk, Inc. Fairway Underwriters, Inc. Glencar Underwriting Managers, Inc. Haylor, Freyer & Coon, Inc. Sports & Fitness Insurance Corporation Stonebridge Underwriters, Inc. Suitelife by Venture Programs The Preferred Club Program (from Venture Programs) Venture Insurance Programs Weiss Insurance Agencies Zurich Programs
www.braishfield.com www.brazosrisk.com www.fairwayunderwriters.com www.glencarum.com www.haylor.com www.sportsfitness.com www.stonebridgeuw.com www.suitelifeins.com www.preferredclub.com www.ventureprograms.com weissins.com www.zprogramsmatch.com
888-335-6616 877-282-7637 800-662-2141 630-875-0723 800-289-1501 800-844-0536 877-965-0123 800-282-6247 800-282-6247 800-282-6247 630-584-1717 866-873-0782
Apollo General Insurance Agency, Inc. Arthur J. Gallagher & Co. Avant Brightstone Insurance Services, LLC IPC National Indemnity Company
www.apgen.com www.ajg.com www.avantins.com/subsidiaries-tis www.brightstoneins.com www.ipc-nv.com www.nationalindemnity.com
800-624-5829 630-773-3800 800-542-2441 877-862-4755 775-782-6655 402-916-3000
CONVENIENCE STORES American Underwriting Managers Arrowhead General Insurance Agency Inc. IPC Irving Weber Associates Izzo Insurance Services, Inc. Meadowbrook Insurance Group Pacific Coast E&S Insurance Services Pennock Insurance Ramsgate Insurance, Inc. Shoemaker & Besser Associates, Inc. South Texas General Insurance Agency Stonebridge Underwriters, Inc. TAPCO Underwriters, Inc. Towerstone, Inc. Tryton Insurance Group, LLC Vintage Underwriters Western Security Surplus Insurance Brokers, Inc.
COURIERS CRANE AND RIGGING
COUNTRY CLUBS, GOLF COURSES
COURIERS
CRANE AND RIGGING S
W
NE
MW
Norman-Spencer Agency: Crane & Rigging www.norman-spencer.com 888-713-0771 An admitted package policy with an A14 rated carrier with no GL or auto liability deductibles. Coverage available: Property, General Liability, Auto, Inland Marine, Crime and Umbrellas/ Excess.
70
46-89_Program Directory-SUBBED 5.indd 70
www.ibamag.com
13/03/2015 6:23:47 AM
PROGRAM DIRECTORY
S Norman-Spencer Agency Peachtree Special Risk Brokers
www.norman-spencer.com www.psrllc.com
888-713-0771 201-913-8030
www.centurionusa.com www.iiabny.org www.insurmark.com www.massagent.com www.oscis.com www.zurichna.com www.zprogramsmatch.com
800-258-3056 800-962-7950 800-833-5912 914-684-2000 800-432-1258 800-382-2150 866-873-0782
www.cropinsure.com www.intlxs.com www.interpacificbrokers.com www.liveassetinsurance.com
888-898-4236 800-937-3497 559-634-1400 800-644-0178
CREDIT UNIONS, COMMUNITY BANKS Centurion Insurance Group Independent Insurance Agents & Brokers of New York, Inc. Insurmark a Div. of Financial & Professional Risk Solutions, Inc. Number One Insurance Agency Overby Seawell Co. Zurich North America Zurich Programs
W
NE
MW
CRANE AND RIGGING CREDIT UNIONS, COMMUNITY BANKS
CROP INSURANCE Crop Insurance of America International Excess Inter-Pacific Insurance Brokers, Inc. Live Asset Insurance
CYBER
CYBER S
W
CROP INSURANCE
NE
MW
Nas Insurance www.nasinsurance.com 818-479-4304 NAS programs are customized to fit your needs. From cyber liability to unique professional liability programs, we offer complete product development, underwriting, marketing, risk management and claims support to help you service your membership.
S
W
NE
MW
Risk Placement Services www.rpsins.com 856-685-6200 Dedicated to growing custom programs through merger/acquisition of existing programs.
S
W
NE
MW
Great American Insurance Group www.gaig.com 800-545-4269 Great American Insurance Group is committed to helping businesses and organizations manage risks inherent to their industry. We provide innovative solutions and specialize in serving niche marketplaces. This expertise has given us the foundation for success that spans generations.
AMC Insurance Services Apogee Insurance Group a Berkshire Hathaway Company Breckenridge Insurance Services CFC Underwriting Cooper & McCloskey, Inc. Edgewater Holdings Grand General Agency Insurebest.com ISM General Insurance Agency IT Risk Managers, Inc. Jacobs & Associates NAS Insurance Services, Inc. New Empire Entertainment Insurance Services, Inc. Philadelphia Insurance Companies Professional Liability Insurance Services, Inc. - Underwriting Facilities Quadrant Insurance Managers R.E. Chaix & Associates Risk Alternatives & Management RPS Technology & Cyber Specialty Global Insurance Services Spire Professional Sullivan Brokers Wholesale Insurance Solutions Tennant Risk Services U.S. Risk Insurance Group, Inc. Veracity Insurance Solutions, LLC
www.ibamag.com
46-89_Program Directory-SUBBED 5.indd 71
www.amcinsurance.com www.apogeeinsgroup.com www.breckis.com www.cfcunderwriting.com www.cmiprorisk.com www.edgewater.net www.thehelpfulpeople.com www.hipaaliability.com www.ismga.com www.itriskmanagers.com www.jacobsnow.org www.nasinsurance.com www.neeis.com www.phly.com
800-233-2398 888-927-6433 678-322-3535 44 (0) 207 220 8500 415-433-7700 312-431-1767 800-869-2022 800-425-7873 770-410-3060 888-280-8710 440-625-2690 818-382-2030 877-856-9231 972-488-8535
www.plisinc.com www.quadrant-us.com www.rechaixinsurance.com www.ram-insurance.com www.rpsins.com/techcyber www.specialtyglobal.com www.spireprofessional.com www.sbwis.com www.tennant.com www.usrisk.com www.veracityinsurance.com
800-761-7547 614-841-1425 800-369-4337 866-673-0865 800-336-5659 212-201-5428 855-977-4730 213-833-6185 860-519-1301 800-232-5830 866-395-1308
71
13/03/2015 6:23:57 AM
46-89_Program Directory-SUBBED 5.indd 72
13/03/2015 6:24:08 AM
46-89_Program Directory-SUBBED 5.indd 73
13/03/2015 6:24:20 AM
PROGRAM PROGRAMDIRECTORY DIRECTORY
S
W
NE
MW
DAIRY S
W
NE
MW
Willis Programs DairyProtector® www.willisprograms.com 603-334-3084 A program specifically designed for dairy farms with cows producing milk for bulk sales, providing livestock and package coverage under one program.
DAIRY DENTISTS
Agricultural Insurance Management Services Gateway Underwriters Agency Mark D. Fredricksen Insurance Services U.S. Specialty Insurance
www.aimscentral.com www.gua-stl.com www.fredricksenins.com www.ussic.com
877-552-2467 800-325-7652 800-669-4347 713-744 3700
DENTISTS AFPD, Inc.
EARTHQUAKE
Aon Affinity Healthcare Arrowhead General Insurance Agency Inc. James River Insurance Company NSM Insurance Group PULIC Program - TDC Specialty Insurance Company
ENERGY, OIL, GAS
www.afpd.net www.aon.com/groups-individuals/ US/us-groups-healthcare.jsp www.arrowheadgrp.com/ www.jamesriverins.com www.nsminc.com www.pulic.com
800-870-7750
www.arrowheadgrp.com www.canoninsurance.com www.cnico.com www.countrywidebrokerage.com www.dunfield.biz www.fulcrumprograms.com www.geoveraholdingsinc.com www.IIABCal.org www.kleincosta.com www.neitclem.com www.preferredre.com www.rechaixinsurance.com www.rtspecialty.com www.sociusinsurance.com www.wwfi.com
619-881-8733 310-859-8600 800-760-5001 800-916-9993 800-899-6922 425-453-5157 707-863-3700 800-772-8998 714-918-0914 612-454-4402 803-790-4800 800-369-4337 312-784-6001 415-778-0310 678-736-6720
215-293-1191 619-881-8733 804-289-2700 508-634-2902 800-537-7362
EARTHQUAKE Arrowhead General Insurance Agency Inc. Canon Insurance Service Century National Insurance Company Countrywide Brokerage Services Dunfield Wholesale Insurance Brokers Fulcrum Insurance Programs GeoVera Holdings, Inc. IIABCal Klein & Costa Insurance Services NeitClem Wholesale Insurance Brokerage, Inc. Preferred Specialty, LLC R.E. Chaix & Associates R-T Specialty, LLC Corporate Headquarters Socius Insurance Services, Inc. Worldwide Facilities, Inc.
ENERGY, OIL, GAS S
W
NE
MW
Hill Programs Oil & Gas Consultants and Contractors www.hillprograms.com (877) 778-1114 Hill Program Managers, LLC provides commercial general liability, professional liability and contractor’s pollution liability for oil & gas consultants and contractors. Limits of Liability are available up to $5,000,000 for certain classes. Minimum premiums begin at $5,000. Coverage enhancements include independent contractor, leased employee, and temporary employees as insured. Automatic Primary & Non-contributory, Automatic Waiver of Subrogation, Automatic additional insured for ongoing operations. Optional coverage includes Hired & Non-owned auto liability, Stop Gap coverage, employee benefit liability and automatic additional insured for completed operations.
S
W
NE
MW
U.S. Risk Underwriters www.usrisk.com 817-872-0090 The U.S. Risk Energy Underwriting Division provides insurance coverage for ‘landbased’ oil and gas exploration, production and servicing accounts on a national basis. The staff of underwriters are highly experienced and provide agents with superior customer service and insureds with comprehensive coverage.
Arch Insurance Group Arrowhead General Insurance Agency Inc. Atlantic Specialty Lines Catlin US Citadel Insurance Services CoverXSpecialty CRC Insurance Services, Inc. Global Special Risks, LLC Hull & Company
74
46-89_Program Directory-SUBBED 5.indd 74
www.archinsurance.com www.arrowheadgrp.com www.atlanticspecial.com www.catlinus.com www.citadelus.com www.coverx.com www.crcins.com www.globalspecialrisks.com www.hullco.com
212-651-6500 619-881-8733 877-545-9100 404-443-4910 877-247-4468 800-762-6837 678-969-8313 403-538-4768 954-527-4855
www.ibamag.com
13/03/2015 6:24:33 AM
PROGRAM DIRECTORY
IMS Insurance Market Solutions IMS/London American ISM General Insurance Agency Milton O. Johnston & Company, Ltd. RISC, Inc. Tejas American General Agency Texas Commercial Insurance Facilities The ACE Group Towerstone, Inc. U.S. Risk Insurance Group, Inc. Victor O. Schinnerer & Company, Inc. Woodlands Insurance Services
www.imsbrokers.com www.imslondonamerican.com www.ismga.com www.moj-co.com www.gorisc.com www.taga1.com www.tcif.org www.acegroup.com/us www.towerstonecorp.com www.usrisk.com www.schinnerer.com www.woodlandsinsurance.com
713-243-4360 214-373-3936 770-410-3060 281-444-5167 800-725-7472 888-999-8242 800-256-6600 215-640-5295 972-725-2100 800-232-5830 301-961-9800 281-367-5010
W
NE
MW
U.S. Risk Underwriters Take1 www.usrisk.com
W
NE
MW
NE
MW
ENERGY, OIL, GAS
714-285-4090
ENTERTAINMENT, CONCERTS
Take1 is the Entertainment division of U.S. Risk Insurance Group and is the sole MGA for Fireman’s Fund Entertainment. Take1’s focus is on LIVE and PRODUCTION accounts. Take1 can write other entertainment related risks including but not limited to Touring Entertainers, Fairs/Festivals, Promoters, Producers, Film, TV, Sports – professional and amateur.
S
W
ENTERTAINMENT
ENTERTAINMENT S
S
Great American Insurance Group www.gaig.com 800-545-4269
ENVIRONMENTAL
Great American Insurance Group is committed to helping businesses and organizations manage risks inherent to their industry. We provide innovative solutions and specialize in serving niche marketplaces. This expertise has given us the foundation for success that spans generations. Allen Financial Insurance / The Equestrian Group AmWINS Group, Inc. CoverXSpecialty Global Weather Insurance Agency, Inc. L.A. Xcess Insurance Brokers, Inc. ProHost USA Pro-Risk Insurance Partners, LLC Special Markets Insurance Consultants SterlingRisk U.S. Risk Insurance Group, Inc. Woodlands Insurance Services
www.eqgroup.com www.amwins.com www.coverx.com www.globalweatherinsurance.com www.laxcess.com www.prohostusa.com www.pro-riskinsurance.com www.specialmarkets.com www.sterlingrisk.com www.usrisk.com www.woodlandsinsurance.com
800-874-9191 704-749-2700 800-762-6837 516-466-3138 818-623-5415 952-922-2404 860-305-9477 719-302-4216 800-767-7837 800-232-5830 281-367-5010
www.eqgroup.com www.coverx.com www.globalweatherinsurance.com www.laxcess.com www.prohostusa.com www.pro-riskinsurance.com www.rvnuccio.com www.specialmarkets.com www.sterlingrisk.com www.usrisk.com
800-874-9191 800-762-6837 516-466-3138 818-623-5415 952-922-2404 860-305-9477 800-567-2685 719-302-4216 800-767-7837 800-232-5830
ENTERTAINMENT, CONCERTS Allen Financial Insurance / The Equestrian Group CoverXSpecialty Global Weather Insurance Agency, Inc. L.A. Xcess Insurance Brokers, Inc. ProHost USA Pro-Risk Insurance Partners, LLC R.V. Nuccio & Associates Inc. Special Markets Insurance Consultants SterlingRisk U.S. Risk Insurance Group, Inc.
ENVIRONMENTAL S
W
NE
MW
Freberg Environmental www.feiinsurance.com
800-377-4152
Environmental Impairment Liability and Petroleum Storage Tanks Pollution insurance for fixed facilities, covering ongoing/operational or historical pollution exposures. Coverage can be custom-tailored to suit clients’ unique needs. Storage tank insurance is available under a separate tank-only policy form. Follow Form Excess Follow Form Excess environmental liability coverage offered over select carriers’ qualifying primary environmental lines, providing needed capacity through a carrier with a superior financial rating to supplement a customer’s primary insurance.
www.ibamag.com
46-89_Program Directory-SUBBED 5.indd 75
75
13/03/2015 6:24:47 AM
PROGRAM PROGRAMDIRECTORY DIRECTORY
S
W
NE
MW
ENVIRONMENTAL, CTD. S
W
NE
MW
Freberg Environmental www.feiinsurance.com
S
W
NE
MW
Great American Insurance Group www.gaig.com 800-545-4269
ENVIRONMENTAL EQUINE, HORSE
800-377-4152
GIL/EIL/Products Pollution FEI oers combined Commercial General Liability (CGL) with Environmental Impairment Liability (EIL) and Products Pollution for select classes of manufacturers and distributors.
Great American Insurance Group is committed to helping businesses and organizations manage risks inherent to their industry. We provide innovative solutions and specialize in serving niche marketplaces. This expertise has given us the foundation for success that spans generations. Access E&S Insurance Advisor Insurance Group, LLC American Risk Management Resources Network, LLC AmWINS Program Underwriters Atlantic Specialty Lines Beacon Hill Associates, Inc. Bonding & Insurance Specialists Agency, Inc. Catlin US Commercial Risk Service Commercial Sector Insurance Brokers, LLC D.S. Blum, Inc. ELM Insurance Brokers Empire Underwriters Empire West Insurance Services Environmental Insurance Agency, Inc. Environmental Insurance Services, Inc. Erickson-Larsen, Inc. Freberg Environmental Insurance Intercorp Inc ISM General Insurance Agency JGS Insurance Jimcor Agencies Legends Environmental Insurance Services, LLC M.J. Hall and Company, Inc. Metcom Excess Midlands Management New Day Underwriting Managers LLC OneBeacon Environmental Quaker Special Risk R.E. Chaix & Associates Rockhill/NECC Environmental Russell Bond & Co., Inc. Safehold Special Risk, Inc Scottish American Target Managers Insurance Services The ACE Group Travis-Pedersen, A Brown & Riding Company UCPM Environmental Insurance US Assure Victor O. Schinnerer & Company, Inc.
www.access-es.com www.advisorus.com www.armr.net www.amwins.com www.atlanticspecial.com www.b-h-a.com www.bisa-inc.net www.catlinus.com www.commercialriskservice.com www.comsectorins.com www.dsbluminc.com www.e-o.com www.empireunderwriters.com www.empirewest.net www.eiains.com www.env-ins.com www.ericksonlarseninc.com www.feiinsurance.com www.intercorpinc.net www.ismga.com www.jgsinsurance.com www.jimcor.com www.legends-enviro.com www.mjhallandcompany.com www.metcomexcess.com www.midlandsmgt.com www.newdayunderwriting.com www.onebeaconenvironmental.com www.qsr-insurance.com www.rechaixinsurance.com www.necc.com www.russellbond.com www.safehold.com www.scottishamerican.com www.tmi-group.com www.acegroup.com/us www.travped.com www.ucpm.com www.usassure.com www.schinnerer.com
703-248-2566 713-688-1660 877-735-0100 704-749-2700 877-545-9100 800-596-2156 800-346-1031 404-443-4910 888-636-0886 205-776-1600 773-445-8070 800-746-7167 800-758-8113 866-967-1130 800-977-3335 800-239-1347 800-284-0965 800-377-4152 800-640-7601 770-410-3060 732-834-9800 800-334-0474 800.992.6999 907-929-5822 201-641-5100 800-800-4007 217-371-3732 303-531-3812 800-447-4180 800-369-4337 816-412-1800 800-333-7226 800-842-8917 800-660-1125 800-864-7111 215-640-5295 616-977-7800 800-991-6237 800-800-3907 301-961-9800
www.aimscentral.com www.eqgroup.com www.arkagency.com www.arlingtonroe.com www.equineinsuranceagent.com www.catlinus.com www.choprainsurance.com
877-552-2467 800-874-9191 800-328-8894 800-878-9891 800-822-2202 404-443-4910 818-923-6090
EQUINE, HORSE Agricultural Insurance Management Services Allen Financial Insurance / The Equestrian Group Ark Agency Arlington/Roe & Co., Inc. Associations Underwriters, Inc. & Ziplow Horse Insurance Catlin US Chopra Insurance, Inc
76
46-89_Program Directory-SUBBED 5.indd 76
www.ibamag.com
13/03/2015 6:25:13 AM
PROGRAM DIRECTORY
S Equine Insurance Specialists Equisure, Inc. Great American Insurance Group Mark D. Fredricksen Insurance Services Markel DIRECT Momentous Insurance Brokerage, Inc. Sonora Insurance Group Tejas American General Agency Tower Services, Inc.
www.insureyourhorse.com www.equisure-inc.com www.greatamericaninsurance.com www.fredricksenins.com www.markeldirect.com www.momentousins.com www.sonorains.com www.taga1.com www.tower-services.com
800-723-9414 800-752-2472 513-369-5000 800-669-4347 800-821-5558 818-933-2700 830-443-4890 888-999-8242 888-440-4381
Abacus Insurance Brokers Advanced AFG Risk Services, LLC B & B Protector Plans, Inc. BUA, LLC Cossio Insurance Entertainment Pro Insurance Excel Insurance Services, Inc. Gales Creek Insurance, A division of J D Fulwiler Insurance, Inc. Global Weather Insurance Agency, Inc. Hays Affinity Group HCC Specialty K&K Insurance Group, Inc. L.A. Xcess Insurance Brokers, Inc. MMD Insurance Petersen International Underwriters R.V. Nuccio & Associates Inc. RISC, Inc. RV Nuccio & Associates Spectrum Weather and Specialty Insurance, Inc. The McCrum Companies, Inc. US Weather Insurance
www.abacus.net www.eventshield.com www.bbprotectorplans.com www.buainsurance.com www.cossioinsurance.com www.entproins.com www.excelins.com www.eventinsurancenow.com www.globalweatherinsurance.com www.eventcommit.com www.hccspecialty.com www.kandkinsurance.com www.laxcess.com www.mmdinsurance.com www.piu.org www.rvnuccio.com www.gorisc.com www.rvnuccio.com www.spectrumweatherinsurance.com www.gsrisk.com www.usweatherinsurance.com
424-214-3700 860-742-6666 800-338-1935 888-772-5005 864-688-0121 702-639-3997 877-530-0111 503-227-0491 516-466-3138 847-939-8310 800-605-2282 800-637-4757 818-623-5415 888-751-3141 800-345-8816 800-567-2685 800-725-7472 800-567-2685 816-810-2346 214-696-1800 888-982-5488
www.allrisks.com www.arrowheadgrp.com www.bxsi.com www.brownyard.com www.interpacificbrokers.com www.jkrar.com www.phly.com www.tcif.org www.vgmsu.com
800-366-5810 619-881-8733 800-486-8283 800-645-5820 559-634-1400 800-886-5050 972-488-8535 800-256-6600 800-203-3223
www.amerspec.com www.cossioinsurance.com www.eibdirect.com www.sterlingrisk.com www.theinsco.com
800-245-2744 864-688-0121 877-678-7342 800-767-7837 800-237-3355
www.aimscentral.com www.eqgroup.com www.applebyandsterling.com www.arrowheadgrp.com www.choprainsurance.com www.ckspecialty.com www.cottonlandins.com www.gasinsurance.net www.intlxs.com www.interpacificbrokers.com www.fredricksenins.com www.omegapeo.com www.ronrothert.com
877-552-2467 800-874-9191 805-583-9828 619-881-8733 818-923-6090 800-411-0083 662-335-3997 989-775-6696 800-937-3497 559-634-1400 800-669-4347 866-997-0711 800-800-6524
EVENT
W
NE
MW
EVENT EXTERMINATORS, PEST CONTROL FAMILY ENTERTAINMENT CENTERS FARM & RANCH
EXTERMINATORS, PEST CONTROL All Risks, Ltd. Arrowhead General Insurance Agency Inc. BancorpSouth Insurance Services, Inc. Brownyard Group Inter-Pacific Insurance Brokers, Inc. Joseph Krar & Assoc., Inc. Philadelphia Insurance Companies Texas Commercial Insurance Facilities VGM Specialty Underwriters
FAMILY ENTERTAINMENT CENTERS American Specialty Insurance & Risk Services Cossio Insurance Evolution Insurance Brokers SterlingRisk T.H.E. Insurance Company
FARM & RANCH Agricultural Insurance Management Services Allen Financial Insurance / The Equestrian Group Appleby & Sterling, Inc. Arrowhead General Insurance Agency Inc. Chopra Insurance, Inc Ck Specialty Insurance Associates, Inc. Cottonland Insurance Group General Agency Services, Inc. International Excess Program Managers Inter-Pacific Insurance Brokers, Inc. Mark D. Fredricksen Insurance Services Omega Insurance Solutions Ron Rothert Insurance Services
www.ibamag.com
46-89_Program Directory-SUBBED 5.indd 77
77
13/03/2015 6:25:22 AM
PROGRAM PROGRAMDIRECTORY DIRECTORY
78
46-89_Program Directory-SUBBED 5.indd 78
13/03/2015 6:25:36 AM
46-89_Program Directory-SUBBED 5.indd 79
13/03/2015 6:25:59 AM
PROGRAM PROGRAMDIRECTORY DIRECTORY
S
W
NE
MW
FAST FOOD, FAST CASUAL RESTAURANTS
Safehold Special Risk, Inc Sierra Specialty South & Western Tejas American General Agency Tower Services, Inc. Tryton Insurance Group, LLC Winery Pak Insurance Programs
800-842-8917 866-814-9378 800-492-5351 888-999-8242 888-440-4381 713-351-8237 973-359-0133
www.bxsi.com www.braishfield.com www.prohostusa.com www.ucageneral.com
800-486-8283 888-335-6616 952-922-2404 800-222-5582
FAST FOOD, FAST CASUAL RESTAURANTS BancorpSouth Insurance Services, Inc. Braishfield Associates, Inc. ProHost USA UCA General Insurance Services, Inc.
FEEDLOTS FINANCIAL ADVISORS/ PLANNERS
www.safehold.com www.sierraspecialty.com www.southandwestern.com www.taga1.com www.tower-services.com www.trytoninsurance.com www.winerypak.com
FEEDLOTS S
W
NE
MW
Willis Programs FeedLotGuard® www.willisprograms.com 603-334-3084 A program specifically designed for the cattle feeding industry. It is the only cattle feedlot program that offering a combination of commercial package and animal mortality coverages.
FINANCIAL INSTITUTIONS
FINANCIAL ADVISORS/PLANNERS A.J. Wayne & Associates Jorgensen & Company Lee & Mason Financial Services, Inc. Markel Cambridge Alliance ProSurance Group, Inc.
FINE ARTS
www.ajwayne.com www.jorgensenandcompany.com www.leeandmason.com www.markelcambridge.com www.prosurancegroup.com
773-328-0500 201-447-4400 800-533-9469 800-691-1515 800-310-4486
FINANCIAL INSTITUTIONS S
W
NE
MW
Freberg Environmental Lender Environmental Liability www.feiinsurance.com 800-377-4152 For banks, financial institutions and other commercial loan originators to protect their collateral from environmental impairment claims. Coverage applies in the event of default and an accompanying discovery of a Pollution Condition.
S
W
NE
MW
Great American Insurance Group www.gaig.com 800-545-4269 Great American Insurance Group is committed to helping businesses and organizations manage risks inherent to their industry. We provide innovative solutions and specialize in serving niche marketplaces. This expertise has given us the foundation for success that spans generations.
Anthony R. Davis Agency (ADA) Apogee Insurance Group a Berkshire Hathaway Company Floodwatch Gerald J. Wilkoff, Inc. Innovative Risk Solutions Insurmark a Div. of Financial & Professional Risk Solutions, Inc. Meridian Finance Group ProSurance Group, Inc. Russell Bond & Co., Inc. Williams and Stazzone Insurance
www.ardavisagency.com www.apogeeinsgroup.com www.floodwatchins.com www.wilkoffbonds.com www.irs-incorporated.com www.insurmark.com www.meridianfinance.com www.prosurancegroup.com www.russellbond.com www.wsins.com
800-752-0150 888-927-6433 800-833-5912 516-747-0200 866-847-5565 800-833-5912 310-260-2130 800-310-4486 800-333-7226 800-868-1235
Dowell / IAS Gremesco of NJ, LLC JSIS-Jewelers Specialty Insurance Services MarketScout Monarch E&S Insurance Services
www.dowellias.com www.gremesconj.com www.jsis-ins.com www.marketscout.com www.monarchexcess.com
201-794-7144 732-761-9904 213-488-1000 972-934-4200 877-406-8026
FINE ARTS
80
46-89_Program Directory-SUBBED 5.indd 80
www.ibamag.com
13/03/2015 6:26:17 AM
PROGRAM DIRECTORY
S
W
NE
MW
FIRE PROTECTION SPRINKLER All Risks, Ltd. Blue River Underwriters Construction Insurance Solutions CoverXSpecialty Oryx Insurance Brokerage, Inc. RelMark Program Managers RISC, Inc.
www.allrisks.com www.blueriveruw.com www.constructioninsurancesolutions.com www.coverx.com www.oryxinsurance.com www.relmark.net www.gorisc.com
800-366-5810 678-322-3538 214-363-8880 800-762-6837 607-724-0173 800-874-5880 800-725-7472
Cochrane & Company Costanza Insurance Agency Inc. Firearms Insurance Agent (ASI) Joseph Chiarello & Co., Inc. MMD Brokers The Holdren Insurance Group, Inc.
www.cochraneco.com www.costanzainsurance.com www.firearmsinsuranceagent.com www.guninsurance.com www.mmdbrokers.com www.theholdrengroup.com
800-441-4535 800-346-0942 877-776-4015 800-526-2199 505-554-1571 310-356-5800
ACE Recreational Marine Insurance Global Partners Insurance Brokers, Inc. Maritime Program Group Midlands Management Old United Casualty Co. (DBA Vantage Casualty Co. in CA only) Wildlife Insurance Underwriters, LLC
www.acemarineinsurance.com www.globalpartners-ins.com www.maritimepg.com www.midlandsmgt.com www.oldunited.com www.insurewildlife.com
215-640-2609 888-240-7843 800-366-8086 800-800-4007 863-299-0872Â 601-506-6622
Arlington/Roe & Co., Inc. Fidelity National Property and Casualty Insurance Group Grand General Agency Imperial Fire & Casualty Insurance Company Innovative Risk Solutions Insure Your Paradise Kistler Agency, LLC MacNeill Group, Inc., CMGA Safehold Special Risk Superior Access Insurance Services, Inc. SWBC WNC Insurance Services
www.arlingtonroe.com www.fidelityonline.com www.thehelpfulpeople.com www.imperialfire.com www.irs-incorporated.com www.insureyourparadise.com www.kistleragency.com www.macneillgroup.com www.safehold.com www.superioraccess.com www.swbc.com www.wncfirst.com
800-878-9891 866-373-5663 800-869-2022 888-522-8242 866-847-5565 239-656-6814 404-239-7020 800-432-3072 800-842-8917 800-272-7550 800-527-0066 800-423-2497
www.amwins.com www.brightstoneins.com www.carolinacas.com www.autoinsureit.com www.pgiainsurance.com www.parkinsuranceco.com www.sunderlandins.com
704-749-2700 877-862-4755 800-874-8053 631-758-6782 800-354-4844 212-984-1845 925-942-4020
www.allrisks.com www.arrowheadgrp.com www.gicunderwriters.com www.gjsullivan.com www.myronsteves.com www.pennockins.com
800-366-5810 619-881-8733 305-554-0353 714-621-2300 800-392-1604 800-662-5182
FIRE PROTECTION, SPRINKLER
FIREARMS
FISHING GUIDES
FLOOD
FIREARMS FISHING GUIDES FLOOD FOOD DELIVERY VEHICLES FORECLOSURE PROPERTIES
FOOD DELIVERY VEHICLES AmWINS Program Underwriters Brightstone Insurance Services, LLC Carolina Casualty Insurance Company Combined Resources Pacific Gateway Insurance Agency Park Insurance Company Sunderland Insurance Services, Inc.
FORECLOSURE PROPERTIES All Risks, Ltd. Arrowhead General Insurance Agency Inc. GIC Underwriters, Inc. GJ Sullivan Company Myron Steves Pennock Insurance
www.ibamag.com
46-89_Program Directory-SUBBED 5.indd 81
81
13/03/2015 6:26:26 AM
PROGRAM PROGRAMDIRECTORY DIRECTORY
S
W
NE
MW
FORESTRY BancorpSouth Insurance Services, Inc. Continental Underwriters, Inc. Loggers Insurance O'Donovan & Associates, Inc. Safehold Special Risk, Inc The ACE Group
FORESTRY FUNERAL HOMES
HAZARDOUS WASTE HAULING & TRANSPORT
800-486-8283 804-643-7800 800-776-5047 419-885-2400 800-842-8917 215-640-5295
www.foxpointprg.com www.nipgroup.com www.specialtyglobal.com www.thecesargroup.com
800-499-7242 800-446-7647 212-201-5428 716-626-0066
www.cmsrisk.com www.ipc-nv.com www.jkrar.com www.meadowbrook.com www.morstan.com
516-799-4200 775-782-6655 800-886-5050 800-482-2726 516-488-4747
www.aesins.com www.advancedesgroup.com www.agencyint.com www.agostinisurplus.com www.braishfield.com www.hylant.com www.iwains.com www.gotapco.com www.ucageneral.com
866-867-0505 407-461-7221 800-262-7475 800-922-7283 888-335-6616 312-283-1350 800-243-1811 800-418-2726 800-222-5582
FUNERAL HOMES Fox Point Programs NIP Group, LLC Specialty Global Insurance Services The Cesar Group
GAS AND SERVICE STATIONS GROCERY STORES
www.bxsi.com www.contund.com www.loggers-insurance.com www.odonovaninsurance.com www.safehold.com www.acegroup.com/us
GAS AND SERVICE STATIONS CMS, LLC IPC Joseph Krar & Assoc., Inc. Meadowbrook Insurance Group Morstan General Agency
GROCERY STORES Advanced E&S Group - Midwest Region Advanced E&S Group - Southeast Region Agency Intermediaries, Inc. Agostini Wholesale Insurance Braishfield Associates, Inc. Hylant Group Irving Weber Associates TAPCO Underwriters, Inc. UCA General Insurance Services, Inc.
HEALTH CLUB, GYM
HAZARDOUS WASTE HAULING & TRANSPORT S
W
NE
MW
Freberg Environmental: Hazardous Materials & Waste Haulers www.feiinsurance.com 800-377-4152 FEI writes hazardous materials and hazardous waste haulers through Arch Insurance Group using Commercial Motor Carrier Forms with key trucker endorsements available.
Advisor Insurance Group, LLC Beacon Hill Associates, Inc. Environmental Insurance Services, Inc. IMS/London American National E&S Insurance Brokers, Inc. Sloan Mason Insurance Services UCPM Environmental Insurance
www.advisorus.com www.b-h-a.com www.env-ins.com www.imslondonamerican.com www.nationaleands.com www.sloanmason.com www.ucpm.com
713-688-1660 800-596-2156 800-239-1347 214-373-3936 661-266-4444 619-325-1719 800-991-6237
www.agencyint.com www.gorst.com www.specialtyhumanservices.com www.grnhll.com www.infinitewellnesssolutions.com www.jkrar.com www.kandkinsurance.com www.markelinsurance.com www.meadowbrook.com www.phly.com www.primeis.com www.ronrothert.com
800-262-7475 818-507-0900 800-542-4245 832-413-4600 336-725-8624 800-886-5050 800-637-4757 800-431-1270 800-482-2726 972-488-8535 800-257-5590 800-800-6524
HEALTH CLUB, GYM Agency Intermediaries, Inc. Gorst & Compass Insurance Great American Insurance, Specialty Human Services Greenhill Insurance Services Infinite Wellness Solutions Joseph Krar & Assoc., Inc. K&K Insurance Group, Inc. Markel Specialty Meadowbrook Insurance Group Philadelphia Insurance Companies Prime Insurance Company Ron Rothert Insurance Services
82
46-89_Program Directory-SUBBED 5.indd 82
www.ibamag.com
13/03/2015 6:26:37 AM
PROGRAM DIRECTORY
S Safehold Special Risk, Inc Sports & Fitness Insurance Corporation TAPCO Underwriters, Inc. Western Security Surplus Insurance Brokers, Inc.
www.safehold.com www.sportsfitness.com www.gotapco.com www.wssib.com
W
NE
MW
W
NE
MW
Smith, Bell & Thompson HealthServicesGuardSM www.sbtinsurance.com 802-264-9544
HEALTH SERVICES
Great American Insurance Group www.gaig.com 800-545-4269 Great American Insurance Group is committed to helping businesses and organizations manage risks inherent to their industry. We provide innovative solutions and specialize in serving niche marketplaces. This expertise has given us the foundation for success that spans generations.
S
W
NE
MW
MW
HEALTH CLUB, GYM
A program designed around the specific needs of many types of medical facilities, including but not limited to surgical centers, medical spas, outpatient clinics and facilities with in- and outpatient services.
S
NE
800-842-8917 800-844-0536 800-418-2726 800-733-5844
HEALTH SERVICES S
W
HOLE IN ONE
U.S. Risk Underwriters Healthcare Pros www.usrisk.com 800-232-5830
HOME HEALTH & HOSPICE
The Healthcare Pros team has been designed to provide insurance products through insurance agents and brokers to those organizations who deliver medical, social and philanthropic services to the public. The U.S. Risk Healthcare team consists of a group of tenured insurance professionals as well as inhouse legal and risk management specialists.
HOLE IN ONE CGA, Inc. (Coverage Guarantee Association) Entertainment Pro Insurance Excel Insurance Services, Inc. OnPoint Underwriting The McCrum Companies, Inc. TPI Golf, Inc US Hole In One
www.cgainc.com www.entproins.com www.excelins.com www.onpointunderwriting.com www.gsrisk.com www.tpigolf.com www.holeinoneinsurance.com
800-242-7789 702-639-3997 877-530-0111 888-996-7600 214-696-1800 800-988-0087 888-882-5440
HOME HEALTH & HOSPICE S
W
NE
MW
Smith, Bell & Thompson HomeCareGuard速 www.sbtinsurance.com 802-264-9544 A program designed around the specific needs of home health, hospice and medical staffing providers.
S
W
NE
MW
Great American Insurance Group www.gaig.com 800-545-4269 Great American Insurance Group is committed to helping businesses and organizations manage risks inherent to their industry. We provide innovative solutions and specialize in serving niche marketplaces. This expertise has given us the foundation for success that spans generations.
Aon Affinity Argo Pro Commonwealth Underwriters Ltd. Connecticut Underwriters, Inc. Delta General Agency Corporation Gateway Underwriters Agency Glatfelter Insurance Group Logic Underwriters, Inc M.J. Hall and Company, Inc. Manchester Specialty Programs, Inc. Mid-Continent General Agency Omega Insurance Solutions Personal Care & Assisted Living Insurance Center, LLC PMC Insurance Group Preferred Specialty, LLC Professional Program Insurance Brokerage
www.ibamag.com
46-89_Program Directory-SUBBED 5.indd 83
www.aon.com www.argoprous.com www.commund.com www.ctunderwriters.com www.deltains.com www.gua-stl.com www.glatfelters.com www.logicinsurance.com www.mjhallandcompany.com www.manchesterspecialty.com www.mid-continentga.com www.omegapeo.com www.pcalic.com www.pmcinsurance.com www.preferredre.com www.ppibcorp.com
800-842-4084 441-296-5858 800-396-6226 800-982-3881 800-666-2678 800-325-7652 800-233-1957 214-739-0071 907-929-5822 855-972-9399 713-965-6900 866-997-0711 800-673-2558 781-449-7744 803-790-4800 415-475-4300
83
13/03/2015 7:07:34 AM
46-89_Program Directory-SUBBED 5.indd 84
13/03/2015 6:27:02 AM
PROGRAM DIRECTORY
46-89_Program Directory-SUBBED 5.indd 85
13/03/2015 6:27:14 AM
PROGRAM PROGRAMDIRECTORY DIRECTORY
S
W
NE
MW
HOME HEALTH & HOSPICE, CTD.
HOME HEALTH & HOSPICE
Real PEO Insurance Programs TAPCO Underwriters, Inc. U.S. Risk Insurance Group, Inc. Unisource Program Administrators USX/S
www.realpeo.com www.gotapco.com www.usrisk.com www.unisourcepa.com www.usxs.net
866-795-9613 800-418-2726 800-232-5830 405-728-5116 800-574-8797
www.bsrins.com www.breckis.com www.csrisks.com www.eiipro.com www.foxpointprg.com www.landy.com www.kinginsuranceca.com www.synergy-ins.com www.titlepac.com www.vgmsu.com
800-768-7475 678-322-3535 800-956-7047 800-355-1185 800-499-7242 800-336-5422 800-488-4096 973-995-0500 800-331-9759 800-203-3223
Aon Affinity Burnham + Company International Excess Program Managers McNeil & Company VGM Specialty Underwriters
www.aon.com www.elevatorinsurance.com www.intlxs.com www.mcneilandcompany.com www.vgmsu.com
800-842-4084 800-999-9689 800-937-3497 800-822-3747 800-203-3223
Arrowhead General Insurance Agency Inc. Commercial Insurance Solutions National Specialty Underwriters (NSU) ProHost USA Scottish American The Navigators Group, Inc.
www.arrowheadgrp.com www.cis-ais.com www.nsui.com www.prohostusa.com www.scottishamerican.com www.navg.com
619-881-8733 888-613-2224 425-213-5130 952-922-2404 800-660-1125 212-244-2333
Appleby & Sterling, Inc. Applied Underwriters, Inc. AUI, Inc. Braishfield Associates, Inc. Cochrane & Company Element22 Insurance Services Fulcrum Insurance Programs InSmart Risk Purchasing Group International Catastrophe Insurance Managers, LLC (ICAT) Klein Insurance Services, Inc. M.J. Hall and Company, Inc. Milton O. Johnston & Company, Ltd. Morstan General Agency Napco LLC Northern Underwriting Managers, Inc. Patriot National Underwriters, Inc. Preferred Concepts Preferred Property Programs The Central Agency UCA General Insurance Services, Inc. Vilage & Company, LLC Western World Insurance Group
www.applebyandsterling.com www.auw.com www.aui-inc.com www.braishfield.com www.cochraneco.com www.element22ins.com www.fulcrumprograms.com ww.insmartnational.com www.icat.com www.kis-hospitality.com www.mjhallandcompany.com www.moj-co.com www.morstan.com www.napcollc.com www.northernum.com www.patriotnational.com www.preferredconcepts.com www.ppp-quotes.com www.thecentralagency.com www.ucageneral.com www.vilageco.com www.westernworld.com
805-583-9828 877-234-4450 800-993-0024 888-335-6616 800-441-4535 888-882-4005 425-453-5157 914-607-5020 303-447-1155 973-754-6100 907-929-5822 281-444-5167 516-488-4747 723-549-5222 855-825-9353 800-291-6846 646-218-3224 888-548-2465 800-678-1642 800-222-5582 212-796-6109 201-847-8600
ACE Recreational Marine Insurance Great American Insurance Group Safehold Special Risk, Inc The Navigators Group, Inc. U.S. Risk Insurance Group, Inc.
www.acemarineinsurance.com www.greatamericaninsurance.com www.safehold.com www.navg.com www.usrisk.com
215-640-2609 513-369-5000 800-842-8917 212-244-2333 800-232-5830
HOME INSPECTORS Bailey Special Risks, Inc. (BSR) Breckenridge Insurance Services Capitol Special Risks Elite MGA Fox Point Programs Herbert H. Landy Insurance King Insurance Support Systems Synergy Professional Associates TitlePac, Inc. VGM Specialty Underwriters
HOME INSPECTORS HOME MEDICAL HOSPITALITY
HOME MEDICAL HOTELS, MOTELS HULL HOSPITALITY
HOTELS, MOTELS
HULL
86
46-89_Program Directory-SUBBED 5.indd 86
www.ibamag.com
13/03/2015 6:27:32 AM
PROGRAM DIRECTORY
S
W
NE
MW
INLAND MARINE Allied World Assurance Company (US) Inc. Ascinsure Specialty Risk Aspen Specialty Atlas General Insurance Services Equity Partners Insurance Services, Inc. Executive Insurance Professionals, PLLC Maritime Program Group NationsBuilders Insurance Services, Inc. (NBIS) Superior Access Insurance Services, Inc. Texas Specialty Risk Programs Travelers Inland Programs
www.awac.com www.ascinsure.com www.aspenspecialty.com www.atlas.us.com www.epinsurance.com www.execins.com www.maritimepg.com www.nbis.com www.superioraccess.com www.txsrp.net www.InlandMarineExperts.com
646-794-0500 800-569-9427 646-502-1000 714-769-9094 888-825-2740 800-779-4095 800-366-8086 310-265-3800 800-272-7550 (682) 831-1690 888.695.4625
INSURANCE AGENTS & BROKERS S
W
NE
MW
INLAND MARINE INSURANCE AGENTS & BROKERS
Nas Insurance Cyber Liability for Insurance Agents www.nasinsurance.com 818-479-4305 The typical insurance agency maintains a significant amount of confidential information pertaining to clients and on-going litigation. This includes both personal and corporate information. The potential harm to clients, as well as resulting legal liability, may be significant. NetGuard™ Plus is Network Security and Privacy Insurance that features simplified underwriting for qualifying applicants. NetGuard™ Plus offers a streamlined application process that simplifies quoting and binding. The applicant that meets program qualifications can choose options from the rate card and request to bind.
S
W
NE
MW
U.S. Risk Underwriters U.S. Risk Pros www.usrisk.com 800-232-5830 With nationwide in-house underwriting, we have your professional liability risks covered.
A.J. Wayne & Associates All Risks, Ltd. All Solutions PBS LLC American Specialty Agents Programs ARC Excess & Surplus, LLC Ark-La-Tex Underwriters Arrowhead General Insurance Agency Inc. Artisan Risk and Insurance Services Bailey Special Risks, Inc. (BSR) CB Malaga Insurance Services LLC CITA Insurance Services Commercial Insurance Group, LLC Construction Insurance Partners Cooper & McCloskey, Inc. ELM Insurance Brokers Fox Point Programs Independent Insurance Agents & Brokers of New York, Inc. Insurance Planning & Service Co. Insurance Specialties Services, Inc. Jimcor Agencies Kevin Dahlke Insurance Brokerage, Inc. King Insurance Support Systems Klinger Associates, Inc. Lee & Mason Financial Services, Inc. Logic Underwriters, Inc Mercator Risk Services Modern Insurance Consultants Number One Insurance Agency PIA of Florida, Inc. Professional Liability Insurance Services, Inc. - Underwriting Facilities Professional Underwriters Agency, Inc. ProSight Specialty Insurance ProSurance Group, Inc. RMIS Rockwood Programs, Inc.
www.ibamag.com
46-89_Program Directory-SUBBED 5.indd 87
www.ajwayne.com www.allrisks.com www.allsolutionspbs.com www.agents-e-o-insurance.com www.arcbrokers.com www.altuonline.com www.arrowheadgrp.com www.artisanrisk.com www.bsrins.com www.cbspecialty.com www.citainsurance.com www.cig-llc.biz www.cip-stl.com www.cmiprorisk.com www.e-o.com www.foxpointprg.com www.iiabny.org www.ipscoagency.com www.issisvs.com www.jimcor.com www.dahlkeinsurance.com www.kinginsuranceca.com www.klinger-insurance.com www.leeandmason.com www.logicinsurance.com www.mercatorpro.com www.modernins.com www.massagent.com www.piafl.org
773-328-0500 800-366-5810 888-376-5884 770-864-9160 626-584-5050 318-798-7703 619-881-8733 857-233-0071 800-768-7475 877-245-5887 800-280-7250 877-737-8054 800-316-4031 415-433-7700 800-746-7167 800-499-7242 800-962-7950 800-347-1109 800-523-6004 800-334-0474 619-287-8613 800-488-4096 317-845-9890 800-533-9469 214-739-0071 860-280-2146 305-248-9495 914-684-2000 850-893-8245
www.plisinc.com www.puainc.com www.prosightspecialty.com www.prosurancegroup.com www.rmismga.com www.rockwoodinsurance.com
800-761-7547 630-572-0600 973-532-1900 800-310-4486 714-578-3365 800-558-8808
87
13/03/2015 7:07:25 AM
PROGRAM PROGRAMDIRECTORY DIRECTORY
S
W
NE
MW R-T Specialty, LLC Corporate Headquarters Russell Bond & Co., Inc. RWISI Shelly, Middlebrooks & O'Leary, Inc. South Texas General Insurance Agency Sullivan Brokers Wholesale Insurance Solutions Sun Coast General Insurance Swiss Re Tennant Risk Services The Wright Insurance Group ThinkRisk Underwriting Agency U.S. Risk Insurance Group, Inc. US E&O Brokers Western E&O
INSURANCE AGENTS & BROKERS INTERIOR DESIGN
www.rtspecialty.com www.russellbond.com www.rwisi.com www.shellyins.com www.stgia.com www.sbwis.com www.suncoastinsurance.com www.swissre.com www.tennant.com www.wrightinsurance.com www.thinkriskins.com www.usrisk.com www.useo.com www.westerneando.com
312-784-6001 800-333-7226 813-220-9220 800-342-2498 800-873-6500 213-833-6185 800-300-8838 913-676-5200 860-519-1301 855-974-4480 860-506-6808 800-232-5830 800-460-6424 505-837-2727
www.ahsi.net www.aluins.com www.amwins.com www.aon.com www.arrowheadgrp.com www.armonline.com www.avantins.com/subsidiaries-tis www.charityfirst.com www.costanzainsurance.com www.diftx.com www.edgewater.net www.foxpointprg.com www.gmi-insurance.com www.landy.com www.intercorpinc.net www.intlxs.com www.interpacificbrokers.com www.nsui.com www.oscis.com www.paulhanson.com www.pcalic.com www.pgui.com www.puainc.com www.prohostusa.com www.rvnuccio.com www.rockwoodinsurance.com www.safehold.com www.specialtyglobal.com www.sportsfitness.com www.sterlingrisk.com
888-233-1555 800-850-9744 704-749-2700 800-842-4084 619-881-8733 209-473-8938 800-542-2441 415-536-4037 800-346-0942 281-364-8300 312-431-1767 800-499-7242 610-933-4679 800-336-5422 800-640-7601 800-937-3497 559-634-1400 425-213-5130 800-432-1258 707-261-2704 800-673-2558 800-586-6502 630-572-0600 952-922-2404 800-567-2685 800-558-8808 800-842-8917 212-201-5428 800-844-0536 800-767-7837
M.J. Kelly Company N-Surance Outlets, Inc Paradigm Risk Solutions Truckers Insurance Associates US Assure W.A. Schickedanz Agency, Inc.
www.mjkelly.com www.nsoins.com www.paradigmrisksolutions.com www.truckers-insurance.com www.usassure.com www.waschickedanz.com
318-742-8211 800-366-1450 800-799-7089 800-652-9515 800-800-3907 800-869-9976
ARC Excess & Surplus, LLC Hyers and Associates, Inc. Intercorp Inc Markel Cambridge Alliance ProSurance Group, Inc.
www.arcbrokers.com www.ohioinsureplan.com www.intercorpinc.net www.markelcambridge.com www.prosurancegroup.com
626-584-5050 888-901-5650 800-640-7601 800-691-1515 800-310-4486
INTERIOR DESIGN Affordable Home Services, Inc./The Colonial Group, Inc. American Lumber Underwriters AmWINS Program Underwriters Aon Affinity Arrowhead General Insurance Agency Inc. Automotive Risk Management & Ins. Svcs., Inc. Avant Charity First Insurance Services Inc. Costanza Insurance Agency Inc. Diversified Insurance Facilities Edgewater Holdings Fox Point Programs GMI Insurance Herbert H. Landy Insurance Intercorp Inc International Excess Program Managers Inter-Pacific Insurance Brokers, Inc. National Specialty Underwriters (NSU) Overby Seawell Co. Paul Hanson Partners Specialty Ins. Solutions Personal Care & Assisted Living Insurance Center Professional Governmental Underwriters Inc. Professional Underwriters Agency, Inc. ProHost USA R.V. Nuccio & Associates Inc. Rockwood Programs Safehold Special Risk, Inc Specialty Global Insurance Services Sports & Fitness Insurance Corporation SterlingRisk
INTERMEDIATE TRUCKING INVESTORS
INTERMEDIATE TRUCKING
INVESTORS
88
46-89_Program Directory-SUBBED 5.indd 88
www.ibamag.com
13/03/2015 6:27:50 AM
PROGRAM DIRECTORY
S
W
NE
MW
JANITORIAL Abram Interstate Insurance Services, Inc. All Risks, Ltd. Allen Financial Insurance / The Equestrian Group GJ Sullivan Company Harbor America Inc. Indemnity Excess and Surplus Agency, Inc. Southeast Surplus Underwriters General Agency Inc. Specialty Risk Associates, Inc. TAPCO Underwriters, Inc. The McGraw Group USASIA Insurance Services Western Heritage Insurance Company
www.abraminterstate.com www.allrisks.com www.eqgroup.com www.gjsullivan.com www.hapeo.com www.ies-xs.com www.ssuga.com www.specialty-risk.com www.gotapco.com www.mcgrawgroup.com www.usasia-ins.com www.westernheritageins.com
800-955-4465 800-366-5810 800-874-9191 714-621-2300 800-845-5695 800-487-2442 800-554-3301 318-865-7023 800-418-2726 800-303-5000 909-618-0288 800-873-9442
JEWELERS Dowell / IAS Jewelers unBLOCKed JSIS-Jewelers Specialty Insurance Services Wasserman & Wexler LLC
www.dowellias.com www.jewelers-unblocked.com www.jsis-ins.com www.ijbinsurance.com
201-794-7144 201-794-7705 213-488-1000 800-932-3062
JANITORIAL JEWELERS KIDNAP/ RANSOM EXTORTION LANDFILLS
KIDNAP/RANSOM EXTORTION Bailey Special Risks, Inc. (BSR) Petersen International Underwriters Private Client Insurance Group Quirk & Company Victor O. Schinnerer & Company, Inc.
www.bsrins.com www.piu.org www.privateclientinsurancegroup.com www.quirkco.com www.schinnerer.com
800-768-7475 800-345-8816 866-540-0101 800-299-9421 301-961-9800
Bonding & Insurance Specialists Agency, Inc. Environmental Insurance Services, Inc. Legends Environmental Insurance Services, LLC New Day Underwriting Managers LLC Rockhill/NECC Environmental Surety One, Inc.
www.bisa-inc.net/index.html www.env-ins.com www.legends-enviro.com www.newdayunderwriting.com www.necc.com www.suretyone.org
800-346-1031 800-239-1347 800-992-6999 217-371-3732 816-412-1800 800-373-2804
American Eagle Bonding Agency Applied Underwriters, Inc. Arrowhead General Insurance Agency Inc. Balsiger Insurance Braishfield Associates, Inc. Breckenridge Insurance Services Combined Resources Construction Insurance Solutions Fox Point Programs Harbor America Inc. Inter-Pacific Insurance Brokers, Inc. Landscape Contractors Mattei Insurance Services NIP Group, LLC Professional Underwriters Agency, Inc. Specialty Risk Associates, Inc. TAPCO Underwriters, Inc. The McGraw Group
www.aebonds.com www.auw.com www.arrowheadgrp.com www.balsigerinsurance.com www.braishfield.com www.breckis.com www.autoinsureit.com www.constructioninsurancesolutions.com www.foxpointprg.com www.hapeo.com www.interpacificbrokers.com www.lcisinc.com www.matteicos.com www.nipgroup.com www.puainc.com www.specialty-risk.com www.gotapco.com www.mcgrawgroup.com
480-985-1618 877-234-4450 619-881-8733 702-220-8640 888-335-6616 678-322-3535 631-758-6782 214-363-8880 800-499-7242 800-845-5695 559-634-1400 800-628-8735 888-462-8834 800-446-7647 630-572-0600 318-865-7023 800-418-2726 800-303-5000
Align General Insurance Agency, LLC CMS, LLC Crusader Insurance Company Gridiron Insurance Underwriters Stonebridge Underwriters, Inc.
www.aligngeneral.com www.cmsrisk.com www.crusaderinsurance.com www.gridironins.com www.stonebridgeuw.com
619-333-2500 516-799-4200 800-669-9800 954-473-3653 877-965-0123
LANDFILLS
LANDSCAPE, LAWN CARE LAUNDRY
LANDSCAPE, LAWN CARE
LAUNDRY
www.ibamag.com
46-89_Program Directory-SUBBED 5.indd 89
89
13/03/2015 6:37:16 AM
PROGRAM PROGRAMDIRECTORY DIRECTORY
S
W
NE
MW
LAWYERS & ATTORNEYS S
LAWYERS & ATTORNEYS
W
NE
MW
Smith, Bell & Thompson: Lawyers Regional www.sbtinsurance.com 802-264-9561 Professional liability coverage for law firms located in Maine, New Hampshire and Vermont with one to 34 attorneys.
S
W
NE
MW
Nas Insurance Cyber Liability for Lawyers www.nasinsurance.com 818-479-4305 The typical law firm maintains a significant amount of confidential information pertaining to clients and on-going litigation. This includes both personal and corporate information. The potential harm to clients, as well as resulting legal liability, may be significant. NetGuard™ Plus is Network Security and Privacy Insurance that features simplified underwriting for qualifying applicants. NetGuard™ Plus offers a streamlined application process that simplifies quoting and binding. The applicant that meets program qualifications can choose options from the rate card and request to bind.
LESSOR’S RISK
S
W
NE
MW
Willis Programs LawyerGuard® www.willisprograms.com 813-490-4924 Lawyers Professional Liability program that offers multiple options for law firms of all sizes. Coverages are individually tailored to fit the needs of each law firm.
S
W
NE
MW
U.S. Risk Underwriters U.S. Risk Pros www.usrisk.com 800-232-5830 With nationwide in-house underwriting, we have your professional liability risks covered.
AFPD, Inc. American Team Managers Insurance Services, Inc. ARC Excess & Surplus, LLC B & B Protector Plans, Inc. Bailey Special Risks, Inc. (BSR) Balsiger Insurance Centurion Insurance Group Fox Point Programs Herbert H. Landy Insurance James River Insurance Company Jimcor Agencies Jorgensen & Company Lawyer's Protector Plan Norman-Spencer Agency, Inc. Number One Insurance Agency People's United Insurance Agency, Inc. Professional Liability Insurance Professional Underwriters Agency, Inc. Program Brokerage Corporation Swiss Re Target Insurance Services Target Professional Programs (Formerly 5Star Professional) The Navigators Group, Inc. USI Affinity Brokerage Services USI-Bertholon-Rowland Willis Group Holdings
www.afpd.net www.atminsurance.com www.arcbrokers.com www.bbprotectorplans.com www.bsrins.com www.balsigerinsurance.com www.centurionusa.com www.foxpointprg.com www.landy.com www.jamesriverins.com www.jimcor.com www.jorgensenandcompany.com www.lawyers.protectorplan.com www.norman-spencer.com www.massagent.com www.peoples.com/insurance www.protexn.com www.puainc.com www.programbrokerage.com www.swissre.com www.target-capital.com www.targetproins.com www.navg.com www.usiaffinity.com www.brcorp.com www.willis.com
800-870-7750 800-888-9891 626-584-5050 800-338-1935 800-768-7475 702-220-8640 800-258-3056 800-499-7242 800-336-5422 804-289-2700 800-334-0474 201-447-4400 800-336-5529 800-543-3248 914-684-2000 800-543-3827 800-441-9196 630-572-0600 908-790-6800 913-676-5200 860-899-1862 312-855-2042 212-244-2333 800-265-2876 800-265-2876 866-704-5115
www.eventshield.com www.agostinisurplus.com www.atlanticspecial.com www.dmi-insurance.com www.dunfield.biz www.gjsullivan.com www.gssinsurance.com www.kzib.com www.nautilusinsgroup.com www.ronrothert.com www.specialtyprograms.net
860-742-6666 800-922-7283 877-545-9100 800-877-2525 800-899-6922 714-621-2300 760-947-5500 530-926-6030 516-431-8300 800-800-6524 866-308-7736
LESSOR’S RISK Advanced AFG Risk Services, LLC Agostini Wholesale Insurance Atlantic Specialty Lines DMI Insurance Services, Inc. Dunfield Wholesale Insurance Brokers GJ Sullivan Company GSS Insurance Services KZ Insurance Brokerage, LLC Nautilus Insurance Co. & Great Divide Ins. Co. Ron Rothert Insurance Services Specialty Programs & Facilities Managers, Inc. (AmWins)
90
90-112_Program Directory-SUBBED 3.indd 90
13/03/2015 6:29:24 AM
PROGRAM DIRECTORY
S Specialty Risk Associates, Inc. TAPCO Underwriters, Inc. The McGowan Companies
LIFE SCIENCES
Hull & Company - Stockton JH Insurance Services Regional Excess Underwriters, LLC Worldwide Facilities, Inc.
www.specialty-risk.com www.gotapco.com www.mcgowancompanies.com
318-865-7023 800-418-2726 800-545-1538
www.hullandco.com www.jhinsurance.com www.regionalxs.com www.wwfi.com
866-434-2210 877-544-4399 877-738-3170 678-736-6720
W
NE
MW
W
NE
MW
LIFE SCIENCES
LIQUOR LIABILITY
Willis Programs LimousineGuard速 www.willisprograms.com 860-756-7333 A program designed for the limousine industry. Coverage is customized exclusively to meet the needs of limousine business owners. The program provides a total insurance solution, including broad business income protection, for livery vehicles.
S
NE
LIMOUSINES
LIMOUSINES S
W
MW
Great American Insurance Group www.gaig.com 800-545-4269 Great American Insurance Group is committed to helping businesses and organizations manage risks inherent to their industry. We provide innovative solutions and specialize in serving niche marketplaces. This expertise has given us the foundation for success that spans generations.
AmWINS Transportation Underwriters, Inc. Bolton & Company Carolina Casualty Insurance Company CMS, LLC Global Liberty Insurance Company GMI Insurance KF&B Inc. Lancer Insurance Company National Indemnity Company Pacific Gateway Insurance Agency Prime Property and Casualty Insurance, Inc. RMIS Trans Risk Solutions, LLC Western Experts in Transportation Willis Group Holdings
www.amwins.com/atu www.boltonmga.com www.carolinacas.com www.cmsrisk.com www.globallibertyny.com www.gmi-insurance.com www.kfbins.com www.lancerinsurance.com www.nationalindemnity.com www.pgiainsurance.com www.primeis.com/ppci www.rmismga.com www.transriskinsurance.com www.westerndwf.com www.willis.com
800-222-2407 502-583-8361 800-874-8053 516-799-4200 516-576-8181 610-933-4679 877-242-7700 800-782-8902 402-916-3000 800-354-4844 800-257-5590 714-578-3365 732-675-6777 800-843-2430 866-704-5115
www.aesins.com www.allsolutionspbs.com www.centrexuw.com www.e-o.com www.foundersinsurance.com www.horizonsurplus.com www.ies-xs.com www.intlxs.com www.midvalleyga.com www.peoples.com/insurance www.prohostusa.com www.promontspecialty.com www.scui.com www.sgainfl.com www.sgainga.com www.sibrokers.com www.gotapco.com www.towerstonecorp.com www.usli.com www.vgmsu.com www.waschickedanz.com www.westernspecialrisks.com www.robertwrightinsurance.com
866-867-0505 888-376-5884 901-767-4754 800-746-7167 800-972-8778 805-494-6553 800-487-2442 800-937-3497 503-365-7001 800-543-3827 952-922-2404 312-262-3331 800-824-4403 877-669-8886 800-825-5742 888-495-4950 800-418-2726 972-725-2100 888-523-5545 800-203-3223 800-869-9976 888-317-5575 949-489-1833
LIQUOR LIABILITY Advanced E&S Group All Solutions PBS LLC Centrex Underwriters ELM Insurance Brokers Founders Insurance Company Horizon E & S Insurance Brokerage Indemnity Excess and Surplus Agency, Inc. International Excess Mid Valley General Agency People's United Insurance Agency, Inc. ProHost USA Promont Specialty Southern Cross Underwriters Strickland General Agency of FL, Inc. Strickland General Agency, Inc. Strickland Insurance Brokers, Inc. TAPCO Underwriters, Inc. Towerstone, Inc. United States Liability Insurance Group VGM Specialty Underwriters W.A. Schickedanz Agency, Inc. Western Special Risks, Inc. Wright Insurance Services
91
90-112_Program Directory-SUBBED 3.indd 91
13/03/2015 6:29:29 AM
PROGRAM PROGRAMDIRECTORY DIRECTORY
S
W
NE
MW
LIQUOR STORES
LIQUOR STORES LIVESTOCK LOGGING
LIVESTOCK
www.braishfield.com
888-335-6616
Crusader Insurance Company Insurance Innovators, Inc. Liquor Pak Insurance Programs Number One Insurance Agency People's United Insurance Agency, Inc.
www.crusaderinsurance.com www.iiigroup.com www.liquorpak.com www.massagent.com www.peoples.com/insurance
800-669-9800 800-523-6422 888-386-5701 914-684-2000 800-543-3827
Associations Underwriters, Inc. & Ziplow Horse Insurance Intercorp Inc. Sonora Insurance Group Truckers Insurance Associates
www.equineinsuranceagent.com www.intercorpinc.net www.sonorains.com www.truckers-insurance.com
800-822-2202 800-640-7601 830-443-4890 800-652-9515
Daigle & Associates Insurance Marketing Corporation Of Oregon O'Donovan & Associates, Inc. OnPoint Underwriting Santee Risk Managers, LLC
www.daigleins.com www.imcoinsurance.com www.odonovaninsurance.com www.onpointunderwriting.com www.santeerisk.com
601-924-4522 800-944-3128 419-885-2400 888-996-7600 803-854-0067
www.amwins.com/atu http://www.avantins.com/subsidiaries-tis www.brechtassoc.com www.carolinacas.com www.cochraneco.com www.crusaderinsurance.com www.gtu-ins.com www.heathxs.com www.imcoinsurance.com www.jmwilson.com www.lsrinc.org www.medjames.com www.nsoins.com www.paradigmrisksolutions.com www.primeis.com/ppci www.scui.com www.truckers-insurance.com
800-222-2407 800.542.2441 817-424-5335 800-874-8053 800-441-4535 800-669-9800 1 615-321-4523 800-524-3284 800-944-3128 800-666-5692 (800) 592-1027 800-255-6503 800-366-1450 800-799-7089 800-257-5590 800-824-4403 800-652-9515
LOGGING
LONG HAUL TRUCKING LONG-TERM CARE
Braishfield Associates, Inc.
LONG HAUL TRUCKING AmWINS Transportation Underwriters, Inc. Avant Brecht & Associates Carolina Casualty Insurance Company Cochrane & Company Crusader Insurance Company Greenwich Transportation Underwriters, Inc. Heath XS Insurance Marketing Corporation Of Oregon J.M. Wilson Litchfield Special Risks Med James, Inc. N-Surance Outlets, Inc Paradigm Risk Solutions Prime Property and Casualty Insurance, Inc. Southern Cross Underwriters Truckers Insurance Associates
MANUFACTURED HOMES
LONG-TERM CARE S
W
NE
MW
Risk Placement Services www.rpsins.com 856-685-6200
Dedicated to growing custom programs through merger/acquisition of existing programs.
American Insurance & Financial Services Aon Affinity Greenhill Insurance Services Insurance House RPS Healthcare Sapphire Blue UniTer Group
www.aioinc.us www.aon.com www.grnhll.com www.insurancehouse.com www.rpsins.com/healthcare www.sapphireblueuw.com www.uni-ter.com
800-310-8478 800.842.4084 832-413-4600 800-282-7024 800-776-7475 312-784-6007 678-781-2400
www.ahsi.net www.amig.com www.cabgen.com www.cnico.com www.foremost.com www.thehelpfulpeople.com www.southandwestern.com
888-233-1555 800-759-9008 858-244-0550 800-760-5001 800-237-6136 800-869-2022 800-492-5351
MANUFACTURED HOMES Affordable Home Services, Inc./The Colonial Group, Inc. American Modern Insurance Group Cabrillo Coastal General Insurance Century National Insurance Company Foremost Grand General Agency South & Western
92
90-112_Program Directory-SUBBED 3.indd 92
13/03/2015 6:29:37 AM
PROGRAM DIRECTORY
S
MANUFACTURERS S
W
NE
MW
W
NE
MW
Willis Programs PlasticsGuardÂŽ www.willisprograms.com 860-756-7367 A program tailored to fit many plastics operations including plastics manufacturers, distributors of plastic related products, extruders and plastic injection molders.
Alternative Market Insurance Services American Lumber Underwriters Arrowhead General Insurance Agency Inc. Citadel Insurance Services Ck Specialty Insurance Associates, Inc. Commercial Sector Insurance Brokers, LLC CoverXSpecialty DFCORBY Insurance Services Financial Risk Solutions, Inc. Great American Insurance Group - Executive Liability Division Hill Program Managers, LLC Intercorp, Inc. James River Insurance Company Joseph Chiarello & Co., Inc. Klinger Associates, Inc. Lexington Insurance Company MacAfee & Edwards, Inc. Napco LLC Russell Bond & Co., Inc. Southwest Risk, Lp Sterling Undewriters Agency, Inc. USASIA Insurance Services USX/S
MANUFACTURERS
www.amsprograms.com www.aluins.com www.arrowheadgrp.com www.citadelus.com www.ckspecialty.com www.comsectorins.com www.coverx.com www.dfcorby.com www.financialrs.com www.greatamericaneld.com www.hillprograms.com www.intercorpinc.net www.jamesriverins.com www.guninsurance.com www.klinger-insurance.com www.lexingtoninsurance.com www.macafeeandedwards.com www.napcollc.com www.russellbond.com www.swrisk.com www.sterlingunderwriters.com www.usasia-ins.com www.usxs.net
855-924-1597 800-850-9744 619-881-8733 877-247-4468 800-411-0083 205-776-1600 800-762-6837 714-992-4448 866-674-9503 312-385-4250 877-778-1114 800-640-7601 804-289-2700 800-526-2199 317-845-9890 617-330-1100 213-629-9777 723-549-5222 800-333-7226 214-206-4900 312-755-0099 909-618-0288 800-574-8797
www.bvsainsurance.com www.bcoinc.com www.continentalmarineins.com www.continentalriskins.com www.globalpartners-ins.com www.tca-insurance.com
800-224-1707 504-210-3620 866-699-2747 866-699-2747 888-240-7843 770-205-2958
MARINA BOAT DEALERS MARINE
MARINA BOAT DEALERS Bruce V. Schneider Associates Burnett & Company, Inc. Continental Marine Continental Risk Insurance Services Global Partners Insurance Brokers, Inc. TCA, Inc. Marine Insurance Services
MARINE S
W
NE
MW
Norman-Spencer Agency: Boat/Yacht www.norman-spencer.com 888-713-0771 Norman-Spencer’s AquaPac and TradeWinds programs provide comprehensive coverage for small pleasure crafts to global navigating megayachts. Very flexible underwriting and rating. Admitted programs, A (excellent) or higher, with access to top domestic and international yacht products.
S
W
NE
MW
Great American Insurance Group www.gais.com 800-545-4269 Great American Insurance Group is committed to helping businesses and organizations manage risks inherent to their industry. We provide innovative solutions and specialize in serving niche marketplaces. This expertise has given us the foundation for success that spans generations
Arrowhead General Insurance Agency Inc. Charter Lakes Marine Insurance Agency Continental Risk Insurance Services Global Marine Insurance Agency Global Partners Insurance Brokers, Inc. IIABCal LIG Marine Managers SeaBright Insurance Company The American Equity Underwriters, Inc. Worldwide Facilities, Inc.
www.arrowheadgrp.com www.charterlakes.com www.continentalriskins.com www.globalmarineinsurance.com www.globalpartners-ins.com www.iiabcal.org www.ligmarine.com www.sbic.com www.amequity.com www.wwfi.com
619-881-8733 888-418-8301 866-699-2747 800-748-0224 888-240-7843 800-772-8998 415-513-5676 206-269-8500 866-238-8754 678-736-6720
93
90-112_Program Directory-SUBBED 3.indd 93
13/03/2015 6:29:48 AM
PROGRAM PROGRAMDIRECTORY DIRECTORY
S
W
NE
MW
MARINE - COMMERCIAL Alan R Mott Agency All Risks, Ltd. Arrowhead General Insurance Agency, Inc. Charter Lakes Marine Insurance Agency Continental Risk Insurance Services Global Partners Insurance Brokers, Inc. Merrimac Marine Insurance Worldwide Facilities, Inc.
MARINE COMMERCIAL MARITIME EMPLOYER’S LIABILITY
631-549-2628 800-366-5810 800-669-1889 888-418-8301 866-699-2747 888-240-7843 407-551-0174 678-736-6720
Bruce V. Schneider Associates Burnett & Company, Inc. Global Special Risks, LLC Texas Mutual Insurance Company U.S. Risk Insurance Group, Inc.
www.bvsainsurance.com www.bcoinc.com www.globalspecialrisks.com www.texasmutual.com www.usrisk.com
800-224-1707 504-210-3620 403-538-4768 800-859-5995 800-232-5830
All Solutions PBS LLC AmWINS Program Underwriters ARC Excess & Surplus, LLC Donald Gaddis Co., Inc. Insurance Services Edgewater Holdings Etowah Insurance Group L.A. Xcess Insurance Brokers, Inc. Philadelphia Insurance Companies Pro-Risk Insurance Partners, LLC Socius Insurance Services, Inc. ThinkRisk Underwriting Agency
www.allsolutionspbs.com www.amwins.com www.arcbrokers.com www.gaddiscompany.com www.edgewater.net www.theetowahgroup.com www.laxcess.com www.phly.com www.pro-riskinsurance.com www.sociusinsurance.com www.thinkriskins.com
888-376-5884 704-749-2700 626-584-5050 312-853-0071 312-431-1767 706-378-3488 818-623-5415 972-488-8535 860-305-9477 415-778-0310 860-506-6808
MARITIME EMPLOYER’S LIABILITY
MEDIA MEDICAL BILLING
www.boat-ins.com www.allrisks.com www.arrowheadgrp.com www.charterlakes.com www.continentalriskins.com www.globalpartners-ins.com www.merrimacins.com www.wwfi.com
MEDIA
MEDICAL EQUIPMENT & DEVICES MEDISPA MENTAL HEALTH
MEDICAL BILLING S
W
NE
MW
NAS Insurance: Miscellaneous E&O for Medical Billers www.nasinsurance.com 818. 479. 4304 NAS’ Medical Billers and Coders E&O program offers a robust and targeted insurance solution that is tailored for the unique needs and exposures of a medical billing & coding services company. NAS offers a streamlined application process that simplifies quoting and binding. The applicant that meets program qualifications can request to bind without waiting for a quote.
MEDICAL EQUIPMENT & DEVICES S
W
NE
MW
Smith, Bell & Thompsonn: MedEquipGuard® www.sbtinsurance.com 802-264-9544 A program designed around the specific needs of medical equipment providers.
MEDISPA Aon Affinity Arlington/Roe & Co., Inc. Capitol Special Risks Professional Program Insurance Brokerage SterlingRisk
www.aon.com www.arlingtonroe.com www.csrisks.com www.ppibcorp.com www.sterlingrisk.com
800-842-4084 800-878-9891 800-956-7047 415-475-4300 516-487-0300
www.afcins.com www.argoprous.com www.canoninsurance.com www.mid-continentga.com www.jjnegley.com www.phly.com www.sterlingrisk.com www.sibrokers.com
877-456-5323 441-296-5858 310-859-8600 713-965-6900 800-548-4301 972-488-8535 800-767-7837 888-495-4950
MENTAL HEALTH AFC Insurance Argo Pro Canon Insurance Service Mid-Continent General Agency Negley Associates Philadelphia Insurance Companies SterlingRisk Strickland Insurance Brokers, Inc.
94
90-112_Program Directory-SUBBED 3.indd 94
13/03/2015 6:29:57 AM
PROGRAM DIRECTORY
S
W
NE
MW
METAL & PLASTIC MFG Boston Insurance Brokerage, Inc. Continental Brokers, Inc. Harbor America Inc. Intercorp, Inc. Patriot National Underwriters, Inc. Quirk & Company R.E. Chaix & Associates Smith Bell & Thompson, Inc. Southwest Risk, Lp The Andrew Agency Western Special Risks, Inc.
www.bostonbrokerage.com www.continentalbrokers.biz www.hapeo.com www.intercorpinc.net www.patriotnational.com www.quirkco.com www.rechaixinsurance.com www.willisprograms.com www.swrisk.com www.theandrewagency.com www.westernspecialrisks.com
866-331-1997 866-386-4136 800-845-5695 800-640-7601 800-291-6846 800-299-9421 800-369-4337 800-735-1800 214-206-4900 804-320-2886 888-317-5575
American Mining Insurance Company Bonding & Insurance Specialists Agency, Inc. HIIG-Energy Regional Excess Underwriters, LLC Worldwide Facilities, Inc.
www.americanmining.com www.bisa-inc.net/index.html www.hiig.com www.regionalxs.com www.wwfi.com
888-823-4496 800-346-1031 205-995-0713 877-738-3170 678-736-6720
MINING
MINING MOBILE HOME & RV PARKS MOBILE HOMES
MOBILE HOME & RV PARKS Affordable Home Services, Inc./The Colonial Group, Inc. Capitol Insurance Companies Gillingham & Associates, a div of Philadelphia Ins Co's King Insurance Support Systems Leavitt Recreation and Hospitality Insurance, Inc. M F Irvine & Associates M.J. Hall and Company, Inc. OnPoint Underwriting Rainier Insurance Company The Mahoney Group
METAL & PLASTIC MFG
www.ahsi.net www.capitol.net www.phly.com/products/OutdoorProducts.aspx www.kinginsuranceca.com www.lrhinsurance.com www.mfirvine.com www.mjhallandcompany.com www.onpointunderwriting.com www.rainierinsure.com www.mahoneygroup.com
888-233-1555 608-829-4208 800-849-9288 800-488-4096 800-525-2060 610-862-4300 907-929-5822 888-996-7600 503-226-4146 505-293-4083
Affordable Home Services, Inc./The Colonial Group, Inc.
www.ahsi.net
888-233-1555
American Modern Insurance Group
www.amig.com
800-759-9008
Arrowhead General Insurance Agency Inc.
www.arrowheadgrp.com
619-881-8733
Cabrillo Coastal General Insurance
www.cabgen.com
858-244-0550
Combined Resources
www.autoinsureit.com
631-758-6782
Evolution Insurance Brokers Insurance Center Special Risks Limited Insurance House J.E. Brown & Associates King Insurance Support Systems National Lloyds Insurance Company Shoemaker & Besser Associates, Inc. South Texas General Insurance Agency The Central Agency TWFG Motorcycle Insurance Services
www.eibdirect.com www.specialrisksltd.com www.insurancehouse.com www.jebrown.net www.kinginsuranceca.com www.natlloyds.com www.shoemaker-besser.com www.stgia.com www.thecentralagency.com www.buymotorcycleinsurance.com
877-678-7342 888-773-7475 800-282-7024 800-955-8213 800-488-4096 480-951-0905 800-632-9002 800-873-6500 800-678-1642 832-364-6630
Appalachian Underwriters, Inc. Arlington/Roe & Co., Inc. National Insurance Underwriters (NIU) PBOA Shoemaker & Besser Associates, Inc. Unisource Program Administrators
www.appund.com www.arlingtonroe.com www.niuw.com www.pboa.com www.shoemaker-besser.com www.unisourcepa.com
888-376-9633 800-878-9891 800-338-2680 800-226-0793 800-632-9002 405-728-5116
www.ajwayne.com www.alamobonds.com www.arrowheadgrp.com www.bisinsurancegroup.com www.breckis.com www.cbspecialty.com www.cresprograms.com
773-328-0500 210-930-5550 619-881-8733 615- 444-8859 678-322-3535 877-245-5887 877-257-2737
MONOLINE MORTGAGE BANKERS & BROKERS
MOBILE HOMES
MONOLINE
MORTGAGE BANKERS & BROKERS A.J. Wayne & Associates Alamo Surety Bonds Arrowhead General Insurance Agency Inc. BIS Insurance Group Breckenridge Insurance Services CB Malaga Insurance Services LLC CRES Insurance Services
95
90-112_Program Directory-SUBBED 3.indd 95
13/03/2015 6:30:05 AM
PROGRAM PROGRAMDIRECTORY DIRECTORY
S
W
NE
MW
MORTGAGE BANKERS & BROKERS, CTD.
ELM Insurance Brokers Gerald J. Wilkoff, Inc. Insurmark, a div. of Financial & Professional Risk Solutions, Inc. Intercorp Inc Logic Underwriters, Inc Overby Seawell Co. PBIS Insurance Services, Inc. Professional Underwriters Agency, Inc. Sullivan Brokers Wholesale Insurance Solutions TitlePac, Inc.
MORTGAGE BANKERS & BROKERS MOTORCYCLE DEALERS MOVIE THEATRES
www.aebonds.com www.arrowheadgrp.com www.atlanticspecial.com www.armonline.com www.kandkinsurance.com www.mbainsurance.net
480-985-1618 619-881-8733 877-545-9100 209-473-8938 800-637-4757 480-946-1066
www.arrowheadgrp.com www.armonline.com www.boltonmga.com ww.insmartnational.com
619-881-8733 209-473-8938 502-583-8361 914-607-5020
www.aegis-online.com www.apgen.com www.avantins.com/subsidiaries-tis www.deltains.com www.matteicos.com www.parkinsuranceco.com www.paulhanson.com
800-582-6270 800-624-5829 800-542-2441 800-666-2678 888-462-8834 212-984-1845 800-852-1968
Alliant Specialty Insurance Services Apex Insurance Services Arrowhead General Insurance Agency Inc. Artex Risk Solutions, Inc. CivicRisk Glatfelter Insurance Group Glatfelter Public Practice Loveland & Smart Insurance Services, Inc. Professional Governmental Underwriters Inc. Public Entities of America, LLC Russell Bond & Co., Inc. Specialty Lines Underwriters Unisource Program Administrators XL E&S
www.alliantspecialty.com www.apexinsurance.com www.arrowheadgrp.com www.artexrisk.com www.civicrisk.com www.glatfelters.com www.glatfelterpublicpractice.com www.lovelandsmart.com www.pgui.com www.ioausa.com www.russellbond.com www.specialty-lines.com www.unisourcepa.com www.xlinsurance.com
610-539-0300 800-366-1213 619-881-8733 630-694-5050 818-660-1671 800-233-1957 800-233-1957 916-362-5500 800-586-6502 800-243-6899 800-333-7226 262-737-8990 405-728-5116 312-444-6500
Alliant Specialty Insurance Services Aon Association Services Fox Point Programs SterlingRisk The McGowan Companies
www.alliantspecialty.com www.aonassociationaervices.com www.foxpointprg.com www.sterlingrisk.com www.mcgowancompanies.com
610-539-0300 800-432-7465 800-499-7242 516-487-0300 800-545-1538
www.edgewater.net www.nasinsurance.com www.thinkriskins.com www.usassure.com www.usxs.net
312-431-1767 818-382-2030 860-506-6808 800-800-3907 800-574-8797
American Eagle Bonding Agency Arrowhead General Insurance Agency Inc. Atlantic Specialty Lines Automotive Risk Management & Ins. Svcs., Inc. K&K Insurance Group, Inc. MBA Insurance
MOVIE THEATRES Arrowhead General Insurance Agency Inc. Automotive Risk Management & Ins. Svcs., Inc. Bolton & Company InSmart Risk Purchasing Group
MUSEUMS NETWORK SECURITY
800-746-7167 516-747-0200 800-833-5912 800-640-7601 214-739-0071 800-432-1258 415-472-7500 630-572-0600 213-833-6185 800-331-9759
MOTORCYCLE DEALERS
MOVING COMPANIES MUNICIPALITIES
www.e-o.com www.wilkoffbonds.com www.insurmark.com www.intercorpinc.net www.logicinsurance.com www.oscis.com www.pbisinsurance.com www.puainc.com www.sbwis.com www.titlepac.com
MOVING COMPANIES Aegis Insurance Services, Inc. Apollo General Insurance Agency, Inc. Avant Delta General Agency Corporation Mattei Insurance Services Park Insurance Company Paul Hanson Partners / Mover's Choice
MUNICIPALITIES
MUSEUMS
NETWORK SECURITY Edgewater Holdings NAS Insurance Services, Inc. ThinkRisk Underwriting Agency US Assure USX/S
96
90-112_Program Directory-SUBBED 3.indd 96
13/03/2015 6:30:14 AM
PROGRAM DIRECTORY
S
W
NE
MW
NURSING HOMES S
W
NE
MW
Risk Placement Services www.rpsins.com 856-685-6200 Dedicated to growing custom programs through merger/acquisition of existing programs.
S
W
NE
MW
NURSING HOMES
Great American Insurance Group www.gaig.com 800-545-4269
OCEAN MARINE
Great American Insurance Group is committed to helping businesses and organizations manage risks inherent to their industry. We provide innovative solutions and specialize in serving niche marketplaces. This expertise has given us the foundation for success that spans generations..
Aon Affinity Aon Association Services Argo Pro Ck Specialty Insurance Associates, Inc. CRES Insurance Services Founders Professional Highland Risk Services, Inc. IMS/London American K&B Underwriters, LLC Personal Care & Assisted Living Insurance Center RPS Healthcare Sullivan HealthCare Insurance Services, Inc. U.S. Risk Insurance Group, Inc. UniTer Group USX/S
www.aon.com www.aonassociationservices.com www.argoprous.com www.ckspecialty.com www.cresprograms.com www.founderspro.com www.highlandrisk.com www.imslondonamerican.com www.kbunderwriters.com www.pcalic.com www.rpsins.com/healthcare www.sullivanhc.com www.usrisk.com www.uni-ter.com www.usxs.net
800-842-4084 800-432-7465 441-296-5858 800-411-0083 877-257-2737 727-498-6503 847-832-9099 214-373-3936 888-760-3194 800-673-2558 800-776-7475 800-252-0355 800-232-5830 678-781-2400 800-574-8797
www.aspenspecialty.com www.gencorpinsurancenetwork.com www.itmagency.com www.mjhallandcompany.com www.maritimepg.com www.oldunited.com www.tca-insurance.com www.navg.com www.transportationrisk.com www.wyverninsurance.com
646-502-1000 800-232-0582 866-574-ITMA 907-929-5822 800-366-8086 863-299-0872Â 770-205-2958 212-244-2333 800-686-2170 847-852-3160
www.aesins.com www.advancedesgroup.com www.aui-inc.com www.braishfield.com www.cibaservices.com ww.insmartnational.com www.iiigroup.com www.icat.com www.kzib.com www.meadowbrook.com www.ppp-quotes.com www.preferredre.com www.sterlingunderwriters.com www.sterlingrisk.com www.ucageneral.com www.vilageco.com
866-867-0505 407-461-7221 800-993-0024 888-335-6616 818-638-8525 914-607-5020 800-523-6422 303-447-1155 530-926-6030 800-482-2726 888-548-2465 803-790-4800 312-755-0099 516-487-0300 800-222-5582 212-796-6109
www.actinspro.com www.buainsurance.com www.dunfield.biz www.entproins.com
888-568-0548 888-772-5005 800-899-6922 702-639-3997
OFFICE BUILDINGS ONE DAY EVENT
OCEAN MARINE Aspen Specialty Gencorp International Transportation & Marine Agency M.J. Hall and Company, Inc. Maritime Program Group Old United Casualty Co. (DBA Vantage Casualty Co. in CA only) TCA, Inc., Marine Insurance Services The Navigators Group, Inc. Transportation Risk Underwriters, Inc. Wyvern International Insurance Brokers
OFFICE BUILDINGS Advanced E&S Group - Midwest Region Advanced E&S Group - Southeast Region AUI, Inc. Braishfield Associates, Inc. CIBA Insurance Services InSmart Risk Purchasing Group Insurance Innovators, Inc. International Catastrophe Insurance Managers, LLC (ICAT) KZ Insurance Brokerage, LLC Meadowbrook Insurance Group Preferred Property Programs Preferred Specialty, LLC Sterling Undewriters Agency, Inc. SterlingRisk UCA General Insurance Services, Inc. Vilage & Company, LLC
ONE DAY EVENT ACT Insurance Program BUA, LLC Dunfield Wholesale Insurance Brokers Entertainment Pro Insurance
97
90-112_Program Directory-SUBBED 3.indd 97
13/03/2015 6:30:23 AM
PROGRAM PROGRAMDIRECTORY DIRECTORY
S
W
NE
MW
ONE DAY EVENT, CTD.
Gales Creek Insurance, A division of J D Fulwiler Insurance, Inc. N-Surance Outlets, Inc People's United Insurance Agency, Inc. Preferred Specialty, LLC The McCrum Companies, Inc.
ONE DAY EVENT ORCHARDS , TREE FARMS OUTFITTERS, GUIDES
503-227-0491 800-366-1450 800-543-3827 803-790-4800 214-696-1800
www.amwins.com www.arrowheadgrp.com www.cropinsure.com www.fredricksenins.com
704-749-2700 619-881-8733 888-898-4236 800-669-4347
www.eqgroup.com www.eibdirect.com www.phly.com/products/OutdoorProducts.aspx www.kandkinsurance.com www.thompsongusic.com www.insurewildlife.com www.aon.com www.argoprous.com www.charityfirst.com www.sterlingrisk.com www.sullivanhc.com
800-874-9191 877-678-7342 800-849-9288 800-637-4757 412-271-8888 601-506-6622 800-842-4084 44 1 296 5858 415-536-4037 516-487-0300 800-252-0355
www.aon.com/ www.argoprous.com www.charityfirst.com/ http://www.sterlingrisk.com/ www.sullivanhc.com
800.842.4084 441 296 5858 415-536-4037 (516) 487-0300 800-252-0355
www.dunfield.biz www.ies-xs.com www.specialtyprograms.net www.gotapco.com www.usasia-ins.com
800-899-6922 800-487-2442 866-308-7736 800-418-2726 909-618-0288
ORCHARDS, TREE FARMS AmWINS Program Underwriters Arrowhead General Insurance Agency Inc. Crop Insurance of America Mark D. Fredricksen Insurance Services
OUTFITTERS, GUIDES Allen Financial Insurance / The Equestrian Group Evolution Insurance Brokers Gillingham & Associates, a div of Philadelphia Ins Co's K&K Insurance Group, Inc. Thompson - Gusic Insurance Group, Inc. Wildlife Insurance Underwriters, LLC Aon Affinity Argo Pro Charity First Insurance Services Inc. SterlingRisk Sullivan HealthCare Insurance Services, Inc.
OUTPATIENT CLINICS OWNERS, LANDLORDS, TENANTS PARKING & VALET PETROLEUM MARKETERS
www.galescreek.com www.nsoins.com www.peoples.com/insurance www.preferredre.com www.gsrisk.com
OUTPATIENT CLINICS Aon Affinity Argo Pro Charity First Insurance Services Inc. SterlingRisk Sullivan HealthCare Insurance Services, Inc.
OWNERS, LANDLORDS, TENANTS Dunfield Wholesale Insurance Brokers Indemnity Excess and Surplus Agency, Inc. Specialty Programs & Facilities Managers, Inc. (AmWins) TAPCO Underwriters, Inc. USASIA Insurance Services
PARKING & VALET S
W
NE
MW
U.S. Risk Underwriters ArmorPark www.usrisk.com 714-285-4084 The ArmorPark program is designed for parking professionals, including those who perform selfparking, assisted parking, valet parking and parking for special events. Our program administrator has more than 20 years of insurance background specific to the parking industry, and we offer valuable experience, specialized forms and risk-prevention tools to our clients.
A.J. Wayne & Associates Alliant Specialty Insurance Services Arrowhead General Insurance Agency Inc. Cal-Regent Insurance Service, Inc. U.S. Risk Insurance Group, Inc.
www.ajwayne.com www.alliantspecialty.com www.arrowheadgrp.com www.cal-regent.com www.usrisk.com
773-328-0500 610-539-0300 619-881-8733 619-596-2770 800-232-5830
PETROLEUM MARKETERS S
W
NE
MW
Willis Programs: The PUMPProgram速 www.willisprograms.com 860-756-7367 A program designed specifically for petroleum marketers, including bulk lubricant distributors, fuel oil dealers, gasoline distributors, and biofuel and waste oil distributors.
98
90-112_Program Directory-SUBBED 3.indd 98
13/03/2015 9:28:25 PM
PROGRAM DIRECTORY
S
W
NE
MW
PHARMACEUTICAL Aon Affinity FirsTier General Agency Greenhill Insurance Services International Excess Program Managers James River Insurance Company Rockwood Programs, Inc. Swett & Crawford
www.aon.com www.firstierga.com www.grnhll.com www.intlxs.com www.jamesriverins.com www.rockwoodinsurance.com www.swett.com
800-842-4084 877-906-7944 832-413-4600 800-937-3497 804-289-2700 800-558-8808 404-240-5200
PHYSICIANS S
W
NE
MW
PHYSICIANS
Risk Placement Services www.rpsins.com 856-685-6200 Dedicated to growing custom programs through merger/acquisition of existing programs.
Advanced Professional Services Agency Marketing Services Centurion Insurance Group Founders Professional Greenhill Insurance Services Klinger Associates, Inc. Pro-Praxis Insurance PULIC Program - TDC Specialty Insurance Company RPS Healthcare Sullivan Brokers Wholesale Insurance Solutions Sullivan HealthCare Insurance Services, Inc.
PHARMACEUTICAL
PHYSICIANS, CLINICS
www.advancedprofessional.com www.agencymarketing.com www.centurionusa.com www.founderspro.com www.grnhll.com www.klinger-insurance.com www.propraxisins.com www.pulic.com www.rpsins.com/healthcare www.sbwis.com www.sullivanhc.com
866-551-9805 727-384-1036 800-258-3056 727-498-6503 832-413-4600 317-845-9890 212-401-1561 800-537-7362 800-776-7475 213-833-6185 800-252-0355
www.advancedprofessional.com www.agencymarketing.com www.centurionusa.com www.founderspro.com www.grnhll.com www.klinger-insurance.com www.pulic.com www.rpsins.com/healthcare www.sullivanhc.com
866-551-9805 727-384-1036 800-258-3056 727-498-6503 832-413-4600 317-845-9890 800-537-7362 800-776-7475 800-252-0355
PIZZA DELIVERY POLICE, LAW ENFORCEMENT
PHYSICIANS, CLINICS Advanced Professional Services Agency Marketing Services Centurion Insurance Group Founders Professional Greenhill Insurance Services Klinger Associates, Inc. PULIC Program - TDC Specialty Insurance Company RPS Healthcare Sullivan HealthCare Insurance Services, Inc.
PIZZA DELIVERY S
W
NE
MW
Willis Programs PizzaGuard速 www.willisprograms.com 813-490-4924 A program customized for pizza delivery restaurant restaurants. Designed for safety-conscious pizza delivery operators, it uniquely incorporates difficultto-place Non-Owned as well as Owned Auto coverage with a Business Owners Policy (BOP).
S
W
NE
MW
Norman-Spencer Agency: Hired & Non-Owned www.norman-spencer.com 888-713-0771 Designed to provide coverage for pizza and fast food delivery operations.
AFC Insurance AmWINS Group, Inc. AmWINS Program Underwriters Besnard & Associates IPC ProHost USA Sunderland Insurance Services, Inc.
www.afcins.com www.amwins.com www.amwins.com www.besnardinsurance.com www.ipc-nv.com www.prohostusa.com www.sunderlandins.com
877-456-5323 704-749-2700 704-749.2700 877-200-1718 775-782-6655 952-922-2404 925-942-4020
www.apexinsurance.com www.mybpem.com www.brownyardprograms.com www.pgui.com
800-366-1213 612-766-3827 800-665-7304 800-586-6502
POLICE, LAW ENFORCEMENT Apex Insurance Services Berkley Public Entity Managers Brownyard Programs, Ltd. Professional Governmental Underwriters Inc.
99
90-112_Program Directory-SUBBED 3.indd 99
13/03/2015 6:30:42 AM
PROGRAM PROGRAMDIRECTORY DIRECTORY
S
W
NE
MW
POLLUTION (ENVIRONMENTAL) Advisor Insurance Group, LLC AmWINS Group, Inc. Anchor Bay Insurance Managers, Inc. Apex Insurance Services Arrowhead General Insurance Agency Inc. Bonding & Insurance Specialists Agency, Inc. Environmental Insurance Services, Inc. Erickson-Larsen, Inc. Gateway Underwriters Agency Global Financial & Insurance Services Gremesco of NJ, LLC National E&S Insurance Brokers, Inc. New Day Underwriting Managers LLC R-T Specialty, LLC Corporate Headquarters Safehold Special Risk, Inc UCPM Environmental Insurance USX/S Western Security Surplus Insurance Brokers, Inc.
POLLUTION (ENVIRONMENTAL) PRIVATE INVESTIGATORS PRIZE INDEMNIFICATION PRODUCT LIABILITY & RECALL
www.advisorus.com www.amwins.com www.surpluslines.com www.apexinsurance.com www.arrowheadgrp.com www.bisa-inc.net/index.html www.env-ins.com www.ericksonlarseninc.com www.gua-stl.com www.theglobalfinancial.com www.gremesconj.com www.nationaleands.com www.newdayunderwriting.com www.rtspecialty.com www.safehold.com www.ucpm.com www.usxs.net www.wssib.com
713-688-1660 704-749-2700 360-613-5455 800-366-1213 619-881-8733 800-346-1031 800-239-1347 800-284-0965 800-325-7652 972-812-5410 732-761-9904 661-266-4444 217-371-3732 312-784-6001 800-842-8917 800-991-6237 800-574-8797 800-733-5844
www.allrisks.com www.amisinsurance.com www.brownyard.com www.brownyardprograms.com www.costanzainsurance.com www.coverx.com www.pisginsurance.com
800-366-5810 800-843-8550 800-645-5820 800-665-7304 800-346-0942 800-762-6837 888-728-2746
www.cgainc.com www.entproins.com www.hccspecialty.com www.interactivepromotions.com www.scapromotions.com www.tpigolf.com www.holeinoneinsurance.com
800-242-7789 702-639-3997 800-605-2282 888-882-5140 888-860-3770 800-988-0087 888-882-5440
PRIVATE INVESTIGATORS All Risks, Ltd. AMIS Alliance Marketing and Insurance Services Brownyard Group Brownyard Programs, Ltd. Costanza Insurance Agency, Inc. CoverXSpecialty Nagashima Pavarini Ltd.
PRIZE INDEMNIFICATION CGA, Inc. (Coverage Guarantee Association) Entertainment Pro Insurance HCC Specialty Interactive Promotions Group SCA Promotions TPI Golf, Inc. US Hole In One
PRODUCT LIABILITY & RECALL S
W
NE
MW
Risk Placement Services www.rpsins.com 856-685-6200 Dedicated to growing custom programs through merger/acquisition of existing programs.
A. J. Renner & Associates Ark-La-Tex Underwriters Atlantic Risk Specialists Benchmark Management Group Commercial Sector Insurance Brokers, LLC Continental Risk Insurance Services Cooper & McCloskey, Inc. Cossio Insurance Countrywide Brokerage Services CoverXSpecialty DFCORBY Insurance Services Donald Gaddis Co., Inc. Insurance Services General Star Gray-Stone & Company Horizon E & S Insurance Brokerage Insential, Inc. International Beauty Brokerage International Excess Program Managers J.M. Wilson K&K Insurance Group, Inc.
www.ajrenner.com www.altuonline.com www.arspecialists.com www.bmgins.com www.comsectorins.com www.continentalriskins.com www.cmiprorisk.com www.cossioinsurance.com www.countrywidebrokerage.com www.coverx.com www.dfcorby.com www.gaddiscompany.com www.generalstar.com www.gray-stone.com www.horizonsurplus.com www.insential.com www.beauty2000.org www.intlxs.com www.jmwilson.com www.kandkinsurance.com
312-755-0084 318-798-7703 516-482-1881 630-778-7000 205-776-1600 866-699-2747 415-433-7700 864-688-0121 800-916-9993 800-762-6837 714-992-4448 312-853-0071 203-328-5700 805-494-4440 805-494-6553 888-571-6160 800-552-8870 800-937-3497 800-666-5692 800-637-4757
100
90-112_Program Directory-SUBBED 3.indd 100
13/03/2015 6:30:54 AM
PROGRAM DIRECTORY
S K&M Henderson Insurance Services, Inc M.J. Kelly Company MacNeill Group, Inc., CMGA Pacific Coast E&S Insurance Services Professional Program Insurance Brokerage RPS - Risk Placement Services, Inc. SADLER Product Liability Insurance Southwest Risk, Lp Sterling Undewriters Agency, Inc. Strickland Insurance Brokers, Inc. The Mechanic Group, Inc. Veracity Insurance Solutions, LLC Western Special Risks, Inc. Worldwide Facilities, Inc. Wright Insurance Services
www.hendersoninsure.com www.mjkelly.com www.macneillgroup.com www.pacificcoastes.com www.ppibcorp.com www.rpsins.com www.products-liability-insurance.com www.swrisk.com www.sterlingunderwriters.com www.sibrokers.com www.mechanicgroup.com www.veracityinsurance.com www.westernspecialrisks.com www.wwfi.com www.robertwrightinsurance.com
916-788-8191 318-742-8211 800-432-3072 800-772-8538 415-475-4300 866-595-8413 800-622-7370 214-206-4900 312-755-0099 888-495-4950 800-214-0207 866-395-1308 888-317-5575 678-736-6720 949-489-1833
W
NE
MW
NE
MW
PRODUCT LIABILITY & RECALL PROPERTY MANAGERS PUBLIC ENTITIES
PROPERTY MANAGERS S
W
Nas Insurance: Miscellaneous E&O for Property Managers www.nasinsurance.com 818-479-4304 NAS’ Property Managers and Lessors program offers a robust and targeted insurance solution that is tailored for the unique needs and exposures of a residential and/or commercial property management or leasing firm. The program offers a streamlined application process that simplifies quoting and binding. The applicant that meets program qualifications can request to bind without waiting for a quote.
S
W
NE
MW
Great American Insurance Group www.gaig.com 800-545-4269 Great American Insurance Group is committed to helping businesses and organizations manage risks inherent to their industry. We provide innovative solutions and specialize in serving niche marketplaces. This expertise has given us the foundation for success that spans generations.
ARC Excess & Surplus, LLC Arrowhead General Insurance Agency Inc. Capitol Special Risks CIBA Insurance Services CID Insurance Programs, Inc. ELM Insurance Brokers Fox Point Programs, Inc. Herbert H. Landy Insurance Ian H. Graham Insurance InSmart Risk Purchasing Group Logic Underwriters, Inc Preferred Concepts Professional Liability Insurance Services, Inc. - Underwriting Facilities Specialty Global Insurance Services SterlingRisk Sullivan Brokers Wholesale Insurance Solutions Synergy Professional Associates The Lewis Chester Group
www.arcbrokers.com www.arrowheadgrp.com www.csrisks.com www.cibaservices.com www.cidinsurance.com www.e-o.com www.foxpointprg.com www.landy.com www.ihginsurance.com ww.insmartnational.com www.logicinsurance.com www.preferredconcepts.com
626-584-5050 619-881-8733 800-956-7047 818-638-8525 800-922-7283 800-746-7167 800-499-7242 800-336-5422 800-621-2324 914-607-5020 214-739-0071 646-218-3224
www.plisinc.com www.specialtyglobal.com www.sterlingrisk.com www.sbwis.com www.synergy-ins.com www.lewischester.com
800-761-7547 212-201-5428 516-487-0300 213-833-6185 973-995-0500 908-273-6100
www.alliantspecialty.com www.amwins.com www.apexinsurance.com www.mybpem.com www.breckis.com www.theetowahgroup.com www.glatfelters.com www.glatfelterpublicpractice.com www.grundy.com/utility www.ipmg.us www.nifgroup.com www.pgui.com www.wwfi.com
610-539-0300 704-749-2700 800-366-1213 612-766-3827 678-322-3535 706-378-3488 800-233-1957 800-233-1957 877-338-4004 888-377-5845 800-691-5903 800-586-6502 678-736-6720
PUBLIC ENTITIES Alliant Specialty Insurance Services AmWINS Program Underwriters Apex Insurance Services Berkley Public Entity Managers Breckenridge Insurance Services Etowah Insurance Group Glatfelter Insurance Group Glatfelter Public Practice Grundy Insurance Insurance Program Managers Group NIF Group, Inc. Professional Governmental Underwriters Inc. Worldwide Facilities, Inc.
101
90-112_Program Directory-SUBBED 3.indd 101
13/03/2015 6:31:03 AM
PROGRAM PROGRAMDIRECTORY DIRECTORY
S
W
NE
MW
PUBLIC OFFICIALS
PUBLIC OFFICIALS
Contractors Bonding and Insurance Company (CBIC) HCC Specialty/Professional Indemnity Agency Professional Governmental Underwriters Inc. Stonebridge Underwriters, Inc. Surety One, Inc. Western World Insurance Group
www.cbic.com www.piaint.com www.pgui.com www.stonebridgeuw.com www.suretyone.org www.westernworld.com
800-765-2242 914-242-7845 800-586-6502 877-965-0123 800-373-2804 201-847-8600
A & B Insurance Solutions, LLC CMS, LLC Gemini Transportation Underwriters Rail Risk Pro Travelers
www.abinsurance.com www.cmsrisk.com www.geminiunderwriters.com www.railriskpro.com www.travelers.com
800-207-9333 516-799-4200 617-310-8201 800-247-2085 732-321-5634
RAILROAD RAILROAD
REAL ESTATE AGENTS & BROKERS
REAL ESTATE AGENTS & BROKERS S
W
NE
MW
REAL ESTATE APPRAISALS
Norman-Spencer Agency: Real Estate E&O www.norman-spencer.com 888-713-0771 Norman-Spencer’s Real Estate Errors & Omissions program is designed to address the specific needs of real estate firms, large and small. Our program provides one of the most comprehensive policy coverage forms available in the market today, and our rates are highly competitive.
S
W
NE
MW
Great American Insurance Group www.gaig.com 800-545-4269 Great American Insurance Group is committed to helping businesses and organizations manage risks inherent to their industry. We provide innovative solutions and specialize in serving niche marketplaces. This expertise has given us the foundation for success that spans generations.
All Solutions PBS LLC ARC Excess & Surplus, LLC Arrowhead General Insurance Agency Inc. Bailey Special Risks, Inc. (BSR) Balsiger Insurance CITA Insurance Services Connecticut Underwriters, Inc. Construction Insurance Partners Fox Point Programs, Inc. Gateway Underwriters Agency Herbert H. Landy Insurance Agency, Inc. Logic Underwriters, Inc National Specialty Underwriters (NSU) Overby Seawell Co. Professional Liability Insurance Services, Inc. - Underwriting Facilities SterlingRisk Sullivan Brokers Wholesale Insurance Solutions Sun Coast General Insurance Synergy Professional Associates The McGowan Companies TitlePac, Inc. USI Affinity Brokerage Services
www.allsolutionspbs.com www.arcbrokers.com www.arrowheadgrp.com www.bsrins.com www.balsigerinsurance.com www.citainsurance.com www.ctunderwriters.com www.cip-stl.com www.foxpointprg.com www.gua-stl.com www.landy.com www.logicinsurance.com www.nsui.com www.oscis.com
888-376-5884 626-584-5050 619-881-8733 800-768-7475 702-220-8640 800-280-7250 800-982-3881 800-316-4031 800-499-7242 800-325-7652 800-336-5422 214-739-0071 425-450-1090 800-432-1258
www.plisinc.com www.sterlingrisk.com www.sbwis.com www.suncoastinsurance.com www.synergy-ins.com www.mcgowancompanies.com www.titlepac.com www.usiaffinity.com
800-761-7547 800-767-7837 213-833-6185 800-300-8838 973-995-0500 800-545-1538 800-331-9759 800-265-2876
www.foxpointprg.com www.landy.com www.intercorpinc.net www.titlepac.com
800-499-7242 800-336-5422 800-640-7601 800-331-9759
REAL ESTATE APPRAISALS Fox Point Programs, Inc. Herbert H. Landy Insurance Agency, Inc. Intercorp Inc TitlePac, Inc.
102
90-112_Program Directory-SUBBED 3.indd 102
13/03/2015 6:31:31 AM
PROGRAM DIRECTORY
S
W
NE
MW
REAL ESTATE DEVELOPERS Breckenridge Insurance Services ELM Insurance Brokers Milton O. Johnston & Company, Ltd. The Lewis Chester Group Worldwide Facilities, Inc.
www.breckis.com www.e-o.com www.moj-co.com www.lewischester.com www.wwfi.com
678.322.3535 800-746-7167 281-444-5167 908-273-6100 678-736-6720
RECREATIONAL MARINE S
W
NE
MW
Norman-Spencer Agency: Recreational Marine www.norman-spencer.com 888-713-0771
RECREATIONAL MARINE
Norman-Spencer Marine Insurance provides commercial insurance products for the recreational marine industry, including boat dealers, marinas, boat manufacturers, boat clubs and yacht clubs.
S
W
NE
MW
Great American Insurance Group www.gaig.com 800-545-4269
RESIDENTIAL CARE FACILITY
Great American Insurance Group is committed to helping businesses and organizations manage risks inherent to their industry. We provide innovative solutions and specialize in serving niche marketplaces. This expertise has given us the foundation for success that spans generations. ACE Recreational Marine Insurance American Reliable Insurance Company Midlands Management Old United Casualty Co. (DBA Vantage Casualty Co. in CA only) Terheggen/Malone Marine Insurance Services
www.acemarineinsurance.com www.americanreliable.com www.midlandsmgt.com www.oldunited.com www.mlinsurance.com
REAL ESTATE DEVELOPERS
215-640-2609 800-535-1333 800-800-4007 863-299-0872 800-223-6268
RESORTS
RESIDENTIAL CARE FACILITY S
W
NE
MW
Nas Insurance Residential Care Facility Liability www.nasinsurance.com 818-382-6102 New state government requirements are mandating professional liability coverage for owners of homes that serve as licensed Residential Care Facilities for the Elderly (RCFE). NAS Insurance Services leads the way in innovative specialty coverage for long-term residential care facilities. While other carriers are limiting coverage for sexual abuse, elopement and bedsores, NAS can provide up to the limit coverage for all of these exposures.
S
W
NE
MW
Great American Insurance Group www.gaig.com 800-545-4269 Great American Insurance Group is committed to helping businesses and organizations manage risks inherent to their industry. We provide innovative solutions and specialize in serving niche marketplaces. This expertise has given us the foundation for success that spans generations.
RESORTS S
W
NE
MW
Willis Programs ResortGuard® www.willisprograms.com 603-334-3029 A program designed for businesses engaged in the operation of destination resorts, resort condominiums, sportsmen’s lodges, boutique hotels, luxury guest ranches and country inns.
S
W
NE
MW
Great American Insurance Group www.gaig.com 800-545-4269 Great American Insurance Group is committed to helping businesses and organizations manage risks inherent to their industry. We provide innovative solutions and specialize in serving niche marketplaces. This expertise has given us the foundation for success that spans generations.
Gillingham & Associates, a div of Philadelphia Ins Co's National Specialty Underwriters, Inc. SterlingRisk Suitelife by Venture Programs
www.phly.com/products/OutdoorProducts.aspx www.nsui.com www.sterlingrisk.com www.suitelifeins.com
800-849-9288 323-258-2600 800-767-7837 800-282-6247
103
90-112_Program Directory-SUBBED 3.indd 103
13/03/2015 6:31:44 AM
PROGRAM PROGRAMDIRECTORY DIRECTORY
S
W
NE
MW
RESORTS, CTD.
The ACE Group Venture Insurance Programs Willis Group Holdings Zurich Programs
RESORTS
www.acegroup.com/us www.ventureprograms.com www.willis.com www.zprogramsmatch.com
215-640-5295 800-282-6247 212-915-8888 866-873-0782
AUI, Inc. Bass Underwriters Benchmark Management Group Boston Insurance Brokerage, Inc. Brecht & Associates Ck Specialty Insurance Associates, Inc. Commercial Risk Service Commodore Insurance Services Connecticut Underwriters, Inc. Continental Brokers, Inc. Crusader Insurance Company Founders Insurance Company IPC J.M. Wilson Jacobs & Associates Joseph Krar & Assoc., Inc. Klein Insurance Services, Inc. M.J. Hall and Company, Inc. McClelland and Hine, Inc. National Insurance Underwriters (NIU)
www.aui-inc.com www.bassuw.com www.bmgins.com www.bostonbrokerage.com www.brechtassoc.com www.ckspecialty.com www.commercialriskservice.com www.commodoreins.com www.ctunderwriters.com www.continentalbrokers.biz www.crusaderinsurance.com www.foundersinsurance.com www.ipc-nv.com www.jmwilson.com www.jacobsnow.org www.jkrar.com www.kis-hospitality.com www.mjhallandcompany.com www.mhi-tx.com www.niuw.com
800-993-0024 888-422-7715 630-778-7000 866-331-1997 817-424-5335 800-411-0083 888-636-0886 877-247-2500 800-982-3881 866-386-4136 800-669-9800 800-972-8778 775-782-6655 800-666-5692 440-625-2690 800-886-5050 973-754-6100 907-929-5822 800-580-4463 800-338-2680
Abram Interstate Insurance Services, Inc. Advanced Risk Solutions Agency Intermediaries, Inc. Arrowhead General Insurance Agency Inc. AUI, Inc. Ck Specialty Insurance Associates, Inc. IPC KZ Insurance Brokerage, LLC Monarch E&S Insurance Services N-Surance Outlets, Inc TOPA Insurance Company UCA General Insurance Services, Inc. XL E&S
www.abraminterstate.com www.arisksolutions.com www.agencyint.com www.arrowheadgrp.com www.aui-inc.com www.ckspecialty.com www.ipc-nv.com www.kzib.com www.monarchexcess.com www.nsoins.com www.topains.com www.ucageneral.com www.xlinsurance.com
800-955-4465 800-976-6369 800-262-7475 619-881-8733 800-993-0024 800-411-0083 775-782-6655 530-926-6030 877-406-8026 800-366-1450 800-949-6505 800-222-5582 312-444-6500
American Eagle Bonding Agency American Underwriting Managers Atlantic Specialty Lines Blue River Underwriters Chopra Insurance, Inc Construction Insurance Solutions DFCORBY Insurance Services Grapevine Insurancebrokers J.M. Wilson Klein & Costa Insurance Services Leo Risk Services, Inc. Med James, Inc. Milton O. Johnston & Company, Ltd. Norman-Spencer Agency, Inc. Omega Insurance Solutions Pacific Reserve, Inc. Ramsgate Insurance, Inc. RISC, Inc. Socius Insurance Services, Inc. Southern Insurance Underwriters Southwest Risk, Lp
www.aebonds.com www.auminsur.com www.atlanticspecial.com www.blueriveruw.com www.choprainsurance.com www.constructioninsurancesolutions.com www.dfcorby.com www.grapevineinsurancebrokers.com www.jmwilson.com www.kleincosta.com www.leoriskservices.com www.medjames.com www.moj-co.com www.norman-spencer.com www.omegapeo.com www.pacificreserve.com www.ramsgateinsurance.com www.gorisc.com www.sociusinsurance.com www.siuins.com www.swrisk.com
480-985-1618 866-219-0427 877-545-9100 678-322-3538 818-923-6090 214-363-8880 714-992-4448 707-251-8518 800-666-5692 714-918-0914 727-734-0040 800-255-6503 281-444-5167 800-543-3248 866-997-0711 480-990-4740 800-394-2767 800-725-7472 415-778-0310 800-568-1700 214-206-4900
RESTAURANTS
RESTAURANTS RETAIL ROOFERS
RETAIL
ROOFERS
104
90-112_Program Directory-SUBBED 3.indd 104
13/03/2015 6:33:43 AM
PROGRAM DIRECTORY
S
W
NE
MW
SCHOOLS S
W
NE
MW
Nas Insurance: Cyber Liability for Schools www.nasinsurance.com 818. 479. 4305 In this privacy-conscious society, any school can be affected by a breach of sensitive and confidential information. NetGuard™ Plus is Network Security and Privacy Insurance that features privacy breach response costs for security breaches of sensitive parent, student or employee information. With NAS Insurance’s NetGuard™ Plus policy, your insured will be protected from this growing exposure. NetGuard™ Plus offers a streamlined application process that simplifies quoting and binding.
S
W
NE
MW
SCHOOLS SECURITIES
Great American Insurance Group www.gaig.com 800-545-4269
SECURITY GUARDS
Great American Insurance Group is committed to helping businesses and organizations manage risks inherent to their industry. We provide innovative solutions and specialize in serving niche marketplaces. This expertise has given us the foundation for success that spans generations. Agostini Wholesale Insurance Aon Affinity Apex Insurance Services Arrowhead General Insurance Agency Inc. Berkley Public Entity Managers Charity First Charity First Insurance Services Inc. Glatfelter Public Practice Norman-Spencer Agency, Inc. Philadelphia Insurance Companies The ACE Group World Insurance Association
www.agostinisurplus.com www.aon.com www.apexinsurance.com www.arrowheadgrp.com www.mybpem.com www.charityfirst.com www.charityfirst.com www.glatfelterpublicpractice.com www.norman-spencer.com www.phly.com www.acegroup.com/us www.wiaonline.com
800-922-7283 800-842-4084 800-366-1213 619-881-8733 612-766-3827 800-352-2761 415-536-4037 800-233-1957 800-543-3248 972-488-8535 215-640-5295 800-578-2111
SECURITIES S
W
NE
MW
Nas Insurance: Cyber Liability for Securities Brokers & Dealers www.nasinsurance.com 818-479-4305 In this privacy-conscious society, any school can be affected by a breach of sensitive and confidential information. NetGuard™ Plus is Network Security and Privacy Insurance that features privacy breach response costs for security breaches of sensitive parent, student or employee information. With NAS Insurance’s NetGuard™ Plus policy, your insured will be protected from this growing exposure. NetGuard™ Plus offers a streamlined application process that simplifies quoting and binding.
SECURITY GUARDS Brownyard Programs, Ltd. Buy Security Guard Insurance (BSGIns.com) Capitol Insurance Companies Ck Specialty Insurance Associates, Inc. Costanza Insurance Agency, Inc CoverXSpecialty Izzo Insurance Services, Inc. Ohio E & S Agency Partners Specialty Group, LLC Philadelphia Insurance Companies Prime Insurance Company The Mechanic Group, Inc. Wright Insurance Services Zurich Programs
www.brownyardprograms.com www.bsgins.com www.capitol.net www.ckspecialty.com www.costanzainsurance.com www.coverx.com www.IzzoInsurance.com www.ohioeands.com www.psgins.com www.phly.com www.primeis.com www.mechanicgroup.com www.robertwrightinsurance.com www.zprogramsmatch.com
800-665-7304 877-404-4299 608-829-4208 800-411-0083 800-346-0942 800-762-6837 800-800-1704 866-233-7091 559-389-5816 972-488-8535 877-257-5590 800-214-0207 949-489-1833 866-873-0782
105
90-112_Program Directory-SUBBED 3.indd 105
13/03/2015 6:33:54 AM
PROGRAM PROGRAMDIRECTORY DIRECTORY
S
W
NE
MW
SELF INSURED American Business Insurance Services, Inc. Epic Intermediaries, Inc. Loveland & Smart Insurance Services, Inc. Midlands Management Midwest Employers Casualty Company Sunderland Insurance Services, Inc.
SELF INSURED
SHIPS AND SHIP REPAIRERS
www.abiinsurance.com www.epicintermediaries.com www.lovelandsmart.com www.midlandsmgt.com www.mwecc.com www.sunderlandins.com
800-980-1950 856-380-0217 916-362-5500 800-800-4007 636-449-7000 925-942-4020
www.agencyint.com www.arrowheadgrp.com www.ligmarine.com www.maritimepg.com www.sbic.com www.amequity.com
800-262-7475 619-881-8733 415-513-5676 800-366-8086 206-269-8500 866-238-8754
www.braishfield.com www.insmartnational.com www.ipc-nv.com www.jkrar.com www.morstan.com www.napcollc.com www.patriotnational.com www.preferredconcepts.com www.ppp-quotes.com www.topains.com www.ucageneral.com www.vintageunderwriters.com
888-335-6616 914-607-5020 775-782-6655 800-886-5050 516-488-4747 723-549-5222 800-291-6846 646-218-3224 888-548-2465 800-949-6505 800-222-5582 800-488-5771
www.atminsurance.com www.brechtassoc.com www.gtu-ins.com www.heathxs.com www.imcoinsurance.com www.nsoins.com www.paradigmrisksolutions.com www.truckers-insurance.com www.usassure.com www.waschickedanz.com
800-888-9891 817-424-5335 615-321-4523 800-524-3284 800-944-3128 800-366-1450 800-799-7089 800-652-9515 800-800-3907 800-869-9976
www.midwestrisk.net www.coverx.com www.prowritersins.com www.gorisc.com www.tangramins.com
800-440-7475 800-762-6837 484-321-2335 800-725-7472 800-676-2213
SHIPS AND SHIP REPAIRERS Agency Intermediaries, Inc. Arrowhead General Insurance Agency Inc. LIG Marine Managers Maritime Program Group SeaBright Insurance Company The American Equity Underwriters, Inc.
SHOPPING CENTERS
SHOPPING CENTERS Braishfield Associates, Inc. InSmart Risk Purchasing Group IPC Joseph Krar & Assoc., Inc. Morstan General Agency Napco LLC Patriot National Underwriters, Inc. Preferred Concepts Preferred Property Programs TOPA Insurance Company UCA General Insurance Services, Inc. Vintage Underwriters
SHORT HAUL TRUCKING SMALL BUSINESS SOCIAL SERVICES
SHORT HAUL TRUCKING American Team Managers Insurance Services, Inc. Brecht & Associates Greenwich Transportation Underwriters, Inc. Heath XS Insurance Marketing Corporation Of Oregon N-Surance Outlets, Inc. Paradigm Risk Solutions Truckers Insurance Associates US Assure W.A. Schickedanz Agency, Inc.
SMALL BUSINESS Corporate Risk Services, LLC CoverXSpecialty ProWriters RISC, Inc. Tangram: Consulting and Underwriting Services
SOCIAL SERVICES S
W
NE
MW
Smith, Bell & Thompson SocialServicesGuard® www.sbtinsurance.com 720-931-2145 A program designed around the specific needs of nonprofit and for-profit social service agencies that provide professional services (other than ‘hands-on’ medical care).
S
W
NE
MW
Great American Insurance Group www.gaig.com 800-545-4269 Great American Insurance Group is committed to helping businesses and organizations manage risks inherent to their industry. We provide innovative solutions and specialize in serving niche marketplaces. This expertise has given us the foundation for success that spans generations.
106
90-112_Program Directory-SUBBED 3.indd 106
13/03/2015 6:34:05 AM
PROGRAM DIRECTORY
S AFC Insurance Allstar Financial Group Charity First Connecticut Underwriters, Inc. Gateway Specialty Insurance - Your Insurance Specialist for Nonprofits & Social Services IMS/London American Irwin Siegel Agency, Inc. NIF Group, Inc. NSM Insurance Group Smith Bell & Thompson, Inc. SterlingRisk U.S. Risk Insurance Group, Inc. USI Affinity Brokerage Services
www.afcins.com www.allstarfinancialgroup.com www.charityfirst.com www.ctunderwriters.com
877-456-5323 800-424-0132 800-352-2761 800-982-3881
www.gatewayspecialty.com www.imslondonamerican.com www.siegelagency.com www.nifgroup.com www.nsminc.com www.sbtinsurance.com www.sterlingrisk.com www.usrisk.com www.usiaffinity.com
877-977-4474 214-373-3936 800-622-8272 800-691-5903 508-634-2902 800-735-1800 800-767-7837 800-232-5830 800-265-2876
W
NE
MW
SOCIAL SERVICES
SPAS, DAY SPAS
SPORTING EVENTS
SPAS, DAY SPAS Aon Affinity Continental Brokers, Inc. Insurtec Tanning and Spa Insurance Philadelphia Insurance Companies Professional Program Insurance Brokerage SASSI - Salon & Spa Specialty Insurance Sports & Fitness Insurance Corporation SterlingRisk
www.aon.com www.continentalbrokers.biz www.insurtecinc.com www.phly.com www.ppibcorp.com www.sassiagency.com www.sportsfitness.com www.sterlingrisk.com
800-842-4084 866-386-4136 800-606-0621 972-488-8535 415-475-4300 888-823-9380 800-844-0536 800-767-7837
Allen Financial Insurance / The Equestrian Group L.A. Xcess Insurance Brokers, Inc. Lefebvre Insurance, LLC Petersen International Underwriters Special Markets Insurance Consultants
www.eqgroup.com www.laxcess.com www.lefebvreinsurance.com www.piu.org www.specialmarkets.com
800-874-9191 818-623-5415 800-451-9668 800-345-8816 719-302-4216
Allen Financial Insurance / The Equestrian Group American Specialty Insurance & Risk Services AMIS Alliance Marketing and Insurance Services CGA, Inc. (Coverage Guarantee Association) Cossio Insurance Costanza Insurance Agency Inc. Global Weather Insurance Agency, Inc. Great American Insurance Group - Executive Liability Division HCC Specialty K&K Insurance Group, Inc. L.A. Xcess Insurance Brokers, Inc. Lefebvre Insurance, LLC Markel Specialty Petersen International Underwriters Pro-Risk Insurance Partners, LLC Sadler Sports & Recreation Safehold Special Risk, Inc Special Markets Insurance Consultants Sports & Fitness Insurance Corporation
www.eqgroup.com www.amerspec.com www.amisinsurance.com www.cgainc.com www.cossioinsurance.com www.costanzainsurance.com www.globalweatherinsurance.com www.greatamericaneld.com www.hccspecialty.com www.kandkinsurance.com www.laxcess.com www.lefebvreinsurance.com www.markelinsurance.com www.piu.org www.pro-riskinsurance.com www.sadleragent.com www.safehold.com www.specialmarkets.com www.sportsfitness.com
800-874-9191 800-245-2744 800-843-8550 800-242-7789 864-688-0121 800-346-0942 516-466-3138 312-385-4250 800-605-2282 800-637-4757 818-623-5415 800-451-9668 800-431-1270 800-345-8816 860-305-9477 800-622-7370 800-842-8917 719-302-4216 800-844-0536
SPORTS
STAFFING
SPORTING EVENTS
SPORTS
STAFFING S
W
NE
MW
U.S. Risk Underwriters StaffPak www.usrisk.com 800-232-5830 StaffPak has exclusive arrangements with the Arch Insurance Group and certain underwriters at Lloyd’s London to underwrite property and liability insurance for staffing agencies and PEOs. StaffPak also operates as a wholesale broker in the placement of workers compensation with carriers such as AIG.
107
90-112_Program Directory-SUBBED 3.indd 107
13/03/2015 6:34:20 AM
PROGRAM PROGRAMDIRECTORY DIRECTORY
S
W
NE
MW
STAFFING, CTD. S
W
NE
MW
Great American Insurance Group www.gaig.com 800-545-4269 Great American Insurance Group is committed to helping businesses and organizations manage risks inherent to their industry. We provide innovative solutions and specialize in serving niche marketplaces. This expertise has given us the foundation for success that spans generations.
STAFFING STORAGE STORAGE TANKS
All Risks, Ltd. Alternative Market Insurance Services Bentley Wholesale Insurance Solutions, Inc. Cal-Pay Services Harbor America Inc. Hull & Company Omega Insurance Solutions Real PEO Insurance Programs Specialty Global Insurance Services Stonehenge Insurance Solutions, Inc. Target Insurance Services U.S. Risk Insurance Group, Inc. World Wide Specialty Programs, Inc. Zurich Programs
www.allrisks.com www.amsprograms.com www.the-brokers-broker.com www.calpayservices.com www.hapeo.com www.hullco.com www.omegapeo.com www.realpeo.com www.specialtyglobal.com stonehengeis.com www.target-capital.com www.usrisk.com www.wwspi.com www.zprogramsmatch.com
800-366-5810 855-924-1597 949-415-7726 855-979-6161 800-845-5695 954-527-4855 866-997-0711 866-795-9613 212-201-5428 561-746-5027 860-899-1862 800-232-5830 800-245-9653 866-873-0782
All Risks, Ltd. AmWINS Program Underwriters CIBA Insurance Services GMI Insurance MiniCo Insurance Safehold Special Risk StorageFirst Insurance Universal Insurance Facilities Ltd.
www.allrisks.com www.amwins.com www.cibaservices.com www.gmi-insurance.com www.minicoinsurance.com www.safehold.com www.storagefirst.com www.universalinsuranceltd.com
800-366-5810 704-749-2700 818-638-8525 610-933-4679 800-528-1056 800-842-8917 800-853-4663 800-844-2101
STORAGE
STORAGE TANKS S
W
NE
MW
Freberg Environmental Impairment Liability and Petroleum Storage Tanks www.feiinsurance.com 800-377-4152 Pollution insurance for ďŹ xed facilities, covering ongoing/operational or historical pollution exposures. Coverage can be custom-tailored to suit clients’ unique needs. Storage tank insurance is available under a separate tank-only policy form.
S
W
NE
MW
Great American Insurance Group www.gaig.com 800-545-4269 Great American Insurance Group is committed to helping businesses and organizations manage risks inherent to their industry. We provide innovative solutions and specialize in serving niche marketplaces. This expertise has given us the foundation for success that spans generations.
AMC Insurance Services AmWINS Program Underwriters Bonding & Insurance Specialists Agency, Inc. Environmental Insurance Agency, Inc. Environmental Insurance Services, Inc. Freberg Environmental Insurance Intercorp Inc ISM General Insurance Agency Metcom Excess Midlands Management Rockhill/NECC Environmental Russell Bond & Co., Inc. Specialty Risk Associates, Inc.
www.amcinsurance.com www.amwins.com www.bisa-inc.net/index.html www.eiains.com www.env-ins.com www.feiinsurance.com www.intercorpinc.net www.ismga.com www.metcomexcess.com www.midlandsmgt.com www.necc.com www.russellbond.com www.specialty-risk.com
800-233-2398 704-749-2700 800-346-1031 800-977-3335 800-239-1347 800-377-4152 800-640-7601 770-410-3060 201-641-5100 800-800-4007 816-412-1800 800-333-7226 318-865-7023
108
90-112_Program Directory-SUBBED 3.indd 108
13/03/2015 6:34:29 AM
PROGRAM DIRECTORY
S
W
NE
MW
SURETY AGA & Associates Insurance Group, LLC Alamo Surety Bonds Contractors Bonding and Insurance Company (CBIC) DBL Surety ezbondsonline.com Gerald J. Wilkoff, Inc. Goldleaf Surety Services, LLC HCC Surety Group J.M. Wilson Lance Surety Bond Associates, Inc. Patriot Bonding, LLC Surety One, Inc. Swift Bonds Universal Service Agency, Inc. Worldwide Insurance Specialists
www.againsurance.net www.alamobonds.com www.cbic.com www.dblsuretybonds.com www.ezbondsonline.com www.wilkoffbonds.com www.goldleafsurety.com www.hccsurety.com www.jmwilson.com www.suretybonds.org www.patriotbonding.com www.suretyone.org www.swiftbonds.com www.universalbonds.com www.bond007.net
201-795-3501 210-930-5550 800-765-2242 386-316-2547 866-546-4605 516-747-0200 888-294-6747 800-486-6695 800-666-5692 877-514-5146 888-820-7420 800-373-2804 913-908-9113 800-646-2401 888-518-8011
www.conwayes.com www.iiigroup.com www.insurtecinc.com www.jkrar.com www.sportsfitness.com www.sterlingrisk.com
800-748-9520 800-523-6422 800-606-0621 800-886-5050 800-844-0536 800-767-7837
GIC Underwriters, Inc. Insurance Innovators, Inc. Joseph Krar & Assoc., Inc. Professional Program Insurance Brokerage
www.gicunderwriters.com www.iiigroup.com www.jkrar.com www.ppibcorp.com
305-554-0353 800-523-6422 800-886-5050 415-475-4300
Align General Insurance Agency, LLC American Business Insurance Services, Inc. AmWINS Transportation Underwriters, Inc. Blackmoor General Insurance Agency Continental Risk Insurance Services Klein & Costa Insurance Services Prime Property and Casualty Insurance, Inc. Trans Risk Solutions, LLC W. Brown & Associates Insurance Services
www.aligngeneral.com www.abiinsurance.com www.amwins.com/atu www.blackmooragency.com www.continentalriskins.com www.kleincosta.com www.primeis.com/ppci www.transriskinsurance.com www.wbais.com
619-333-2500 800-980-1950 800-222-2407 267-495-2300 866-699-2747 714-918-0914 800-257-5590 732-675-6777 949-851-2060
TANNING SALONS Conway E & S Insurance Innovators, Inc. Insurtec Tanning and Spa Insurance Joseph Krar & Assoc., Inc. Sports & Fitness Insurance Corporation (SFIC) SterlingRisk
TATTOO & BODY PIERCING
SURETY TANNING SALONS TATTOO & BODY PIERCING TAXIS TECHNOLOGY PROFESSIONALS & BUSINESSES
TAXIS
TECHNOLOGY PROFESSIONALS & BUSINESSES S
W
NE
MW
Risk Placement Services www. rpsins.com 856-685-6200 Dedicated to growing custom programs through merger/acquisition of existing programs.
Agostini Wholesale Insurance Apogee Insurance Group a Berkshire Hathaway Company Appleby & Sterling, Inc. ARC Excess & Surplus, LLC Atlantic Specialty Lines Bailey Special Risks, Inc. (BSR) Etowah Insurance Group FirsTier General Agency Gateway Underwriters Agency Indemnity Excess and Surplus Agency, Inc. IT Risk Managers, Inc. Professional Underwriters Agency, Inc. RPS Technology & Cyber Specialty Global Insurance Services Tennant Risk Services Tryton Insurance Group, LLC TuscanoPro
www.agostinisurplus.com www.apogeeinsgroup.com www.applebyandsterling.com www.arcbrokers.com www.atlanticspecial.com www.bsrins.com www.theetowahgroup.com www.firstierga.com www.gua-stl.com www.ies-xs.com www.itriskmanagers.com www.puainc.com www.rpsins.com/techcyber www.specialtyglobal.com www.tennant.com www.trytoninsurance.com www.tuscanopro.com
800-922-7283 888-927-6433 805-583-9828 626-584-5050 877-545-9100 800-768-7475 706-378-3488 877-906-7944 800-325-7652 800-487-2442 888-280-8710 630-572-0600 800-336-5659 212-201-5428 860-519-1301 713-351-8237 800-442-8063
109
90-112_Program Directory-SUBBED 3.indd 109
13/03/2015 6:34:37 AM
PROGRAM PROGRAMDIRECTORY DIRECTORY
S
W
NE
MW
TEMP STAFFING AIG Artex Risk Solutions, Inc. Cooper & McCloskey, Inc. NSM Insurance Group PMC Insurance Group Risk Placement Services Work First Casualty Company World Wide Specialty Programs, Inc. Zurich Programs
TEMP STAFFING
TITLE AGENTS
www.aig.com www.artexrisk.com www.cmiprorisk.com www.nsminc.com www.pmcinsurance.com www.rpsins.com www.workfirstcasualty.com www.wwspi.com www.zprogramsmatch.com
877-867-3783 630-694-5050 415-433-7700 508-634-2902 781-449-7744 866-595-8413 877-772-4667 800-245-9653 866-873-0782
www.agencymarketing.com www.csrisks.com www.foxpointprg.com www.landy.com www.mid-continentga.com www.plsins.com www.synergy-ins.com www.titlepac.com www.usrisk.com
727-384-1036 800-956-7047 800-499-7242 800-336-5422 713-965-6900 973-422-1121 973-995-0500 800-331-9759 800-232-5830
TITLE AGENTS Agency Marketing Services Capitol Special Risks Fox Point Programs Herbert H. Landy Insurance Mid-Continent General Agency Professional Liability Specialists - PLS Synergy Professional Associates TitlePac, Inc. U.S. Risk Insurance Group, Inc.
TOWING
TRUCKING
TOWING S
W
NE
MW
Norman-Spencer Agency www.norman-spencer.com 888-713-0771 Insurance for stand-alone towing operators, towing operators with garages and towing operators with a city or association contract.
Cox Specialty Markets JMR Excess & Surplus Insurance Services National Interstate Insurance Company Pacific Gateway Insurance Agency Park Insurance Company SFA-5Star Specialty Programs, A Div of Crump Ins. Svcs Surefire Insurance Agency The Insurance Professionals Trinity Transportation Services
www.coxspecialty.com www.jmrexcess.com www.natl.com www.pgiainsurance.com www.parkinsuranceco.com www.5starsp.com www.cargoinsurancepro.com www.theinspros.com www.trinitytransp.com
800-648-0357 866-954-9990 800-929-1500 800-354-4844 212-984-1845 877-247-9772 818-355-2808 800-266-4446 904-278-7792
American Team Managers Insurance Services, Inc. Applied Underwriters, Inc. Avant Blackmoor General Insurance Agency Crouse and Associates Freberg Environmental Insurance Greenwich Transportation Underwriters, Inc. Insurance Program Managers Group Interline Insurance Services, Inc. IPA Risk Management, LLC MacAfee & Edwards, Inc. MarketScout Metcom Excess Midwestern Insurance Alliance, LLC National Interstate Insurance Company Omega Insurance Solutions Paradigm Risk Solutions Park Insurance Company Paul Hanson Partners Specialty Ins. Solutions ProSight Specialty Insurance Real PEO Insurance Programs SafePro Insurance Services SFA-5Star Specialty Programs, A Div of Crump Ins. Svcs
www.atminsurance.com www.auw.com www.avantins.com/subsidiaries-tis www.blackmooragency.com www.crouseandassociates.com www.feiinsurance.com www.gtu-ins.com www.ipmg.us www.interlineinsurance.com www.ipariskmanagement.com www.macafeeandedwards.com www.marketscout.com www.metcomexcess.com www.mwiainsurance.com www.natl.com www.omegapeo.com www.paradigmrisksolutions.com www.parkinsuranceco.com www.paulhanson.com www.prosightspecialty.com www.realpeo.com www.safeproins.com www.5starsp.com
800-888-9891 877-234-4450 800-542-2441 267-495-2300 415-982-3870 800-377-4152 615-321-4523 888-377-5845 800-229-8790 201-797-1076 213-629-9777 972-934-4200 201-641-5100 502-429-9990 800-929-1500 866-997-0711 800-799-7089 212-984-1845 707-261-2704 973-532-1900 866-795-9613 888-411-7679 877-247-9772
TRUCKING
110
90-112_Program Directory-SUBBED 3.indd 110
13/03/2015 6:34:51 AM
PROGRAM DIRECTORY
S South Texas General Insurance Agency Swett & Crawford Truckers Insurance Associates Tuscano Agency U.S. Specialty Insurance W.A. Schickedanz Agency, Inc.
www.stgia.com www.swett.com www.truckers-insurance.com www.tuscano.com www.ussic.com www.waschickedanz.com
800-873-6500 404-240-5200 800-652-9515 866-442-8063 713-744-3742 800-869-9976
AGA & Associates Insurance Group, LLC American Eagle Bonding Agency Ark-La-Tex Underwriters Automotive Risk Management & Ins. Svcs., Inc. Brecht & Associates Cal-Regent Insurance Service, Inc. Delta General Agency Corporation DMI Insurance Services, Inc. Gorst & Compass Insurance IMS/London American Jacobs & Associates KBK Insurance Group, Inc. Metcom Excess National Indemnity Company Strickland General Agency of FL,Inc Texas Commercial Insurance Facilities
www.againsurance.net www.aebonds.com www.altuonline.com www.armonline.com www.brechtassoc.com www.cal-regent.com www.deltains.com www.dmi-insurance.com www.gorst.com www.imslondonamerican.com www.jacobsnow.org www.kbkinsgroup.com www.metcomexcess.com www.nationalindemnity.com www.sgainfl.com www.tcif.org
201-795-3501 480-985-1618 318-798-7703 209-473-8938 817-424-5335 619-596-2770 800-666-2678 800-877-2525 818-507-0900 214-373-3936 440-625-2690 800-229-5927 201-641-5100 402-916-3000 877-669-8886 800-256-6600
Blue River Underwriters Empire Underwriters LowRateWorkComp Omega Insurance Solutions Sloan Mason Insurance Services TCA, Inc., Marine Insurance Services Texas Mutual Insurance Company The American Equity Underwriters, Inc.
www.blueriveruw.com www.empireunderwriters.com www.lowrateworkcomp.com www.omegapeo.com www.sloanmason.com www.tca-insurance.com www.texasmutual.com www.amequity.com
678-322-3538 800-758-8113 850-625-5190 866-997-0711 619-325-1719 770-205-2958 800-859-5995 866-238-8754
www.advancedesgroup.com www.arlingtonroe.com www.arspecialists.com www.bassuw.com www.cig-llc.biz www.dauntlessbrokerage.com www.foremost.com www.thehelpfulpeople.com www.monarchexcess.com www.siuins.com www.gotapco.com www.usassure.com
407-461-7221 800-878-9891 800-210-7525 888-422-7715 877-737-8054 860-638-5003 800-237-6136 800-869-2022 559-226-0200 800-568-1700 800-418-2726 800-800-3907
www.amwins.com www.arrowheadgrp.com www.element22ins.com www.meadowbrook.com www.sterlingrisk.com www.gotapco.com
704-749-2700 619-881-8733 888-882-4005 800-482-2726 800-767-7837 800-334-5579
W
NE
MW
TRUCKING
USED AUTO DEALERS USED AUTO DEALERS
USL&H VACANT COMMERCIAL BUILDINGS WAREHOUSES
USL&H
WASTE HAULING
VACANT COMMERCIAL BUILDINGS Advanced E&S Group - Southeast Region Arlington/Roe & Co., Inc. Atlantic Risk Specialists Bass Underwriters Commercial Insurance Group, LLC Dauntless Specialty Brokerage Foremost Grand General Agency Monarch E&S Insurance Services Southern Insurance Underwriters TAPCO Underwriters, Inc. US Assure
WAREHOUSES AmWINS Program Underwriters Arrowhead General Insurance Agency Inc. Element22 Insurance Services Meadowbrook Insurance Group SterlingRisk TAPCO Underwriters, Inc.
WASTE HAULING S
W
NE
MW
Willis Programs WasteHaulerGuard速 www.willisprograms.com 603-334-3019 A program designed for the waste hauling industry with primary operations in commercial and residential waste hauling.
111
90-112_Program Directory-SUBBED 3.indd 111
13/03/2015 6:35:03 AM
PROGRAM PROGRAMDIRECTORY DIRECTORY
S
W
NE
MW
WASTE HAULING, CTD. Alliant Specialty Insurance Services AmWINS Program Underwriters AmWINS Transportation Underwriters, Inc. Beacon Hill Associates, Inc. Park Insurance Company PMC Insurance Group W.A. Schickedanz Agency, Inc. Willis Group Holdings Zurich Programs
WASTE HAULING WASTEWATER
www.alliantspecialty.com www.amwins.com www.amwins.com/atu www.b-h-a.com www.parkinsuranceco.com www.pmcinsurance.com www.waschickedanz.com www.willis.com www.zprogramsmatch.com
610-539-0300 704-749-2700 800-222-2407 800-596-2156 212-984-1845 781-449-7744 800-869-9976 866-704-5115 866-873-0782
Freberg Environmental Insurance Glatfelter Insurance Group Glatfelter Public Practice Grundy Insurance WaterColor Management
www.feiinsurance.com www.glatfelters.com www.glatfelterpublicpractice.com www.grundy.com/utility www.watercolormanagement.com
800-377-4152 800-233-1957 800-233-1957 877-338-4004 256-260-0412
M2 Insurance Services RV Nuccio & Associates Sage Insurance
www.m2insuranceservices.com www.rvnuccio.com www.sageinsurance.com
877-520-8363 800-567-2685 702-547-1900
AmWINS Program Underwriters Rail Risk Pro The Horton Group/Buschbach Division
www.amwins.com www.railriskpro.com www.wdpginsurance.com
704-749-2700 800-247-2085 800-598-9099
Affluent Insurance Program, LLC Commercial Sector Insurance Brokers, LLC Excel Insurance Services, Inc. International Catastrophe Insurance Managers, LLC (ICAT) MacNeill Group, Inc., CMGA Safehold Special Risk Sigma Underwriting Managers U.S. Risk Insurance Group, Inc.
www.affluentip.com www.comsectorins.com www.excelins.com www.icat.com www.macneillgroup.com www.safehold.com www.sigmaprograms.com www.usrisk.com
877-275-2335 205-776-1600 877-530-0111 303-447-1155 800-432-3072 800-842-8917 954-893-1720 800-232-5830
ACE Recreational Marine Insurance Arrowhead General Insurance Agency Inc. Burns & Wilcox Diversified Insurance Facilities Global Partners Insurance Brokers, Inc. Independent Insurance Agents & Brokers of New York, Inc. Legacy Underwriters Marine Agency Corp Quaker Special Risk Safehold Special Risk Terheggen/Malone Marine Insurance Services
www.acemarineinsurance.com www.arrowheadgrp.com www.burnsandwilcox.com www.diftx.com www.globalpartners-ins.com www.iiabny.org www.legacyunderwriters.com www.marineagency.com www.qsr-insurance.com www.safehold.com www.mlinsurance.com
215-640-2609 619-881-8733 248-932-9030 281-364-8300 888-240-7843 800-962-7950 866-404-0723 800-763-4775 800-447-4180 800-842-8917 800-223-6268
www.ais-insurance.net www.charityfirst.com
972-991-0413 415-536-4037
www.gatewayspecialty.com www.lefebvreinsurance.com www.markelinsurance.com www.phly.com www.riverportinsurance.com www.sadleragent.com www.specialmarkets.com www.sportsfitness.com www.vgic.com
877-977-4474 800-451-9668 800-431-1270 972-488-8535 888-762-3083 800-622-7370 719-302-4216 800-844-0536 800-873-8500
WASTEWATER WEDDING WELDING WEDDING WIND YACHT YOUTH CLUBS, SPORTS
WELDING
WIND
YACHT
YOUTH CLUBS, SPORTS Accident Insurance Services, Inc. Charity First Insurance Services Inc. Gateway Specialty Insurance - Your Insurance Specialist for Nonprofits & Social Services Lefebvre Insurance, LLC Markel Specialty Philadelphia Insurance Companies Riverport Insurance Company Sadler Sports & Recreation Special Markets Insurance Consultants Sports & Fitness Insurance Corporation (SFIC) Van Gilder Insurance
112
90-112_Program Directory-SUBBED 3.indd 112
For inclusion in the next IBA Program Directory, please contact cathy.masek@keymedia.com
13/03/2015 6:35:13 AM
We built our company anticipating the
NEW NORMAL AND BEYOND.
In the new normal, rain gets measured in feet. When property damage occurs, it’s imperative that claims are processed efficiently. Our production and claims experts work together when they first review your policy so they can focus on solving problems more than just selling products. This is part of the reason why 94% of our clients gave us a high rating for claims service in 2014. After all, isn’t that why you buy insurance in the first place? www.ironshore.com
The information contained herein is for general informational purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any product or service.
IBC.indd 6
©2015 Ironshore
13/03/2015 6:28:08 AM
Expect big things in workers’ compensation. Expect to save a third of your clients 30% or more. Most classes approved, nationwide. For information call (877) 234-4450 or visit auw.com/us. Š2015 Applied Underwriters, Inc., a Berkshire Hathaway company. Rated A+ (Superior) by A.M. Best. Insurance plans protected U.S. Patent No. 7,908,157.
OBC.indd 6
13/03/2015 6:29:04 AM