Filed Under:Agent Broker, Agency Management

Market Directory: Agents' E&O

5Star Specialty Programs
Insurer(s): Various.
E&O insurance offered for: Insurance agents/brokers (life-health), insurance adjusters, third-party administrators.
Type and size of desired risk: Independent life agents selling to groups less than 100 employees.
Special coverage features: Newly licensed independent life insurance agents who have not previously held E&O coverage, life insurance agents who have recently become independent, agents with up to 10 percent of commissions from P&C sales.
Maximum limits: Per aggregate $250,000 or $1 million.
Minimum premium: $1,000 deductible.
Coverage available in: All states.
For more information: Marketing, 5Star Specialty Programs, 158 N. Harbor City Blvd., Melbourne, FL 32935. 877-247-9772. Fax: 321-757-6147. marketing@5starsp.com, www.5starsp.com.
AllRisks Ltd.
Insurer(s): Various carriers rated “A” or better.
E&O Insurance offered for: Insurance agents/brokers (P&C), insurance agents/brokers (life-health), surplus lines brokers, managing general agents, insurance adjusters, third-party administrators, wholesalers.
Type and size of desired risk: Insurance agencies, brokers, wholesalers, MGAs, TPAs, hard-to-place accounts.
Special coverage features: National program, diverse product mix to meet different needs.
Maximum limits: Per claim, $25 million; per aggregate, $25 million.
Minimum premium: Varies by carrier and class.
Coverage available in: All states.
For more information: Tabitha DeGirolano, All Risks Ltd., 10150 York Road, Fifth Floor, Hunt Valley, MD 21030. 800-366-5810 x3678. Fax: 410-828-8179. tdegirolan@allrisks.com . www.allrisks.com.

AmWINS Group Inc.
Insurer(s):
Various.
Type and size of desired risk: All.
Special coverage features: Admitted and non-admitted, defense costs outside (case by case), hard to place accounts.
Maximum limits: Per claim, $10 million; aggregate, $10 million.
Coverage available in: All states.
For more information: Leslie McNeice, AmWINS Group Inc. 704-749-2891. Fax: 704-943-9000. marketing@amwins.com. www.amwins.com.

Atlantic Risk Specialists Inc.
Insurer(s):
Lloyds, Admiral, Markel, Colony, Lexington, Landmark America, Ironshore, AXIS, United National.
E&O insurance offered for: Insurance agents/brokers (property-casualty), insurance agents/brokers (life-health), broker-dealers, surplus-lines brokers, managing general agents, insurance adjusters, third-party administrators, insurance companies.
Type and size of desired risk: All accounts considered.
Maximum limits: Per claim, $20 million; aggregate, $20 million.
Minimum premium: $950.
Coverage available in: All states.
For more information: Jennifer Dumont; Atlantic Risk Specialists Inc., 8130 Lakewood Main Street Suite 207, Lakewood Ranch, FL 34202. 941-870-3125. Fax: 201-661-7816. jdumont@arspecialists.com, www.arspecialists.com.

Boston Insurance Brokerage Inc.
Insurer(s): Various carriers.
E&O insurance offered for: Insurance agents/brokers (property-casualty), insurance agents/brokers (life-health), broker-dealers, surplus-lines brokers, managing general agents, reinsurance brokers, insurance adjusters, third-party administrators, insurance companies, risk retention groups.
Maximum limits: Per claim, $25 million; aggregate, $25 million.
Minimum premium: $1,000.
Coverage available in: All states.
For more information: Nick Creatore, Boston Insurance Brokerage Inc., 24 Federal St., Boston, MA 02110. 617-556-7000 x7032. Fax: 617-556-7070. ncreatore@bostonbrokerage.com, www.bostonbrokerage.com.

Burns & Wilcox
Insurer(s):
Argo Pro, Insight, Lloyds of London, Markel, Colony Insurance, Admiral Insurance., Lexington Insurance, James River, Kinsale, United States Liability Insurance, Mt. Vernon Insurance Co.
E&O insurance offered for: Insurance agents/brokers (P&C), insurance agents/brokers (life-health), surplus lines brokers, managing general agents, reinsurance brokers, insurance adjusters, third-party administrators.
Type and size of desired risk: Solo agencies and above.
Special coverage features: Coverage for carrier insolvency, aggregate deductibles, security breach sub-limits, first dollar defense, defense outside the limit, automatic coverage for independent contractors, admitted carriers.
Maximum limits: Per claim, $10 million; aggregate, $10 million.
Minimum premium: $750.
Coverage available in: All states.
For more information: David Derigiotis, Burns & Wilcox, 30833 Northwestern Hwy, Farmington Hills, MI 48334. 248-539-6041. daderigiotis@burns-wilcox.com, www.burnsandwilcox.com.

Continental Marmorstein & Malone
Insurer(s): USLI, Evanston, Admiral.
E&O insurance offered for: Insurance agents/brokers (property-casualty), insurance agents/brokers (life-health), broker-dealers, surplus-lines brokers, managing general agents, insurance adjusters, third-party administrators.
Type and size of desired risk: Any size.
Maximum limits: Per claim, $5 million; aggregate, $5 million.
Minimum premium: $1,500.
Coverage available in: CT, DE, NJ, NY and PA. For more information: Bill Malone Jr., Continental Marmorstein & Malone, 305 Route 17 South, Paramus, NJ 07652. 210-261-5100. Fax: 201-261-8922. bmalone@ca-group.com, www.ca-group.com.

Executive Perils Inc.
Insurer(s):
Various.
E&O insurance offered for: Insurance agents/brokers (property-casualty), insurance agents/brokers (life-health), broker-dealers, surplus-lines brokers, managing general agents, insurance adjusters, third-party administrators, insurance companies, risk retention groups.
Type and size of desired risk: All sizes, all types.
Maximum limits: Per claim, able to stack coverage.
Coverage available in: All states.
For more information: Damien Magnuson, Executive Perils Inc., 11845 W. Olympic Blvd #750, Los Angeles, CA 90064. 310-444-9333 x145. Fax: 310-444-9355. damienm@eperils.com, www.eperils.com.

H&W Insurance Services
Insurer(s): Various.
E&O Insurance offered for:  Insurance agents/brokers (P&C), insurance agents/brokers (life-health), broker-dealers, surplus lines brokers, managing general agents, insurance adjusters.
Type and size of desired risk: All sizes.
Special coverage features: Varies by carrier.
Maximum limits: Per claim, $10,000,000; per aggregate, $12,000,000.
Minimum premium: $1,750.
Coverage available in: All states except AK, HI, MA, RI, VT.
For more information: Bernie Geis, H&W Insurance Services, PO Box 1085, Shawnee Mission, KS 66222-1085. 800-616-9475. Fax: 913-432-1706. bgeis@hwunderwriterds.com. www.hwunderwriters.com

Insight Insurance Services Inc.
Insurer(s):
Argonaut Insurance Co., Colony Specialty Insurance Co.
E&O insurance offered for: Insurance agents/brokers (property-casualty), insurance agents/brokers (life-health).
Type and size of desired risk: Independent agencies with up to 50 million in written premium and three years in business.
Special coverage features: First dollar defense, defense outside limit, independent contractors included in coverage, free financing for premiums of $10,000 or more.
Maximum limits: Per claim, $10 million; aggregate, $10 million.
Minimum premium: $1,500.
Coverage available in: All states except AK, CA, FL, HI, NY, TX, WA and WV.
For more information: Greg Mattingly; Insight Insurance Services Inc., 2000 S. Batavia Suite 300, Geneva, IL 60134. 800-447-4626. Fax: 888-447-6289. gmattingly@insightinsurance.com, www.insightinsurance.com.

Insurance Innovators Inc.
Insurer(s): Axis, Beazley, Berkley, Lloyds, Argo Pro, Ironshore, Markel, Maxum, Tudor.
E&O insurance offered for: Insurance agents/brokers (property-casualty), broker-dealers, surplus-lines brokers, managing general agents, reinsurance brokers, insurance adjusters, third-party administrators, insurance companies, risk retention groups, crane and construction professionals, lawyers, architects and engineers, technology professionals, medical professionals.
Type and size of desired risk: All sizes.
Maximum limits: Per claim, $25 million; aggregate, $25 million.
Minimum premium: $2,000.
Coverage available in: All states except AK and HI.
For more information: Insurance Innovators Inc., 130 S. Easton Road, Glenside, PA 19038. Sam Kravitz, 215-885-7300, sam@iiigroup.com. Devin Wright, 215-885-7300 x145, devinw@iiigroup.com. www.iiigroup.com.

J.M. Wilson
Insurer(s):
Evanston, Admiral, Lloyds of London.
E&O insurance offered for: Insurance agents/brokers (property-casualty), insurance agents/brokers (life-health), broker-dealers, surplus-lines brokers, managing general agents, insurance adjusters, third-party administrators.
Type and size of desired risk: For small $2,500 personal lines to large commercial line $10,000 and up.
Special coverage features: Full prior acts, defense outside the limit, independent contractor coverage.
Maximum limits: Per claim, $5 million; aggregate, $5 million.
Minimum premium: $2,500.
Coverage available in: AL, AR, GA, IA, IL, IN, KS, KY, MI, MO, MS, NC, NE, OH, OK, PA, SC, TN, VA, WI and WV.
For more information: Cathy Baldwin; J.M. Wilson, 8036 Moorsbridge Road, Portage, MI 49024. 800-282-8113. Fax: 269-327-2620. cbaldwin@jmwilson.com, www.jmwilson.com.

Lee & Mason Financial Services Inc.
Insurer(s): Scottsdale Indemnity Co., Scottsdale Insurance Co., National Casualty.
E&O insurance offered for: Insurance agents/brokers (property-casualty), insurance agents/brokers (life-health), surplus-lines brokers, managing general agents.
Type and size of desired risk: All.
Maximum limits: Per claim, $10 million; aggregate, $10 million.
Minimum premium: $4,000 (CA and TX $7,500).
Coverage available in: All states.
For more information: Linda Blechman, Lee & Mason Financial Services Inc., 195 Farmington Avenue Ste. 301, Farmington, CT 06032. 877-562-4311 x404. Fax: 860-677-1227. lmpro@leeandmason.com, www.leeandmason.com.

Metcom Excess
Insurer(s): Various carriers.
E&O insurance offered for: Insurance agents/brokers (property-casualty), insurance agents/brokers (life-health), surplus-lines brokers, managing general agents, reinsurance brokers, insurance adjusters, third-party administrators, insurance companies, risk retention groups. 
Type and size of desired risk: All sizes.
Maximum limits: Can depend upon contacts.
Minimum premium: Depends upon size of firm and limit purchased.
Coverage available in: Licensed states.
For more information: Joanna Brancaleoni, Metcom Excess, 245 Main St., PO Box 90, Ridgefield Park, NJ 07660. 800-521-1717 x433. Fax: 201-641-6566. jbrancaleoni@metcomexcess.com. www.metcomexcess.com.

NIF Pro, a division of NIF Group
Insurer(s): All “A” rated carriers.
E&O insurance offered for: Insurance agents/brokers (property-casualty), insurance agents/brokers (life-health), broker-dealers, surplus-lines brokers, managing general agents, reinsurance brokers, insurance adjusters, third-party administrators, insurance companies, risk retention groups.
Type and size of desired risk: Any and all types of insurance firms.
Maximum limits: Per claim, unlimited.
Minimum premium: $2,000.
Coverage available in: All states.
For more information: Deborah Dioguardi; NIF Pro, a division of NIF Group, 30 Part Avenue, Manhasset, NY 11030. 516-365-7440. Fax: 516-365-9566. ddioguardi@nifgroup.com, www.nifgroup.com.

Professional Liability Insurance Services Inc.- Underwriting Facilities
Insurer(s): Professional Liability Insurance Services Inc., Underwriting Facilities.
E&O insurance offered for: Insurance agents/brokers (property-casualty), insurance agents/brokers (life-health), surplus-lines brokers, managing general agents, insurance adjusters, third-party administrators.
Type and size of desired risk: All risks considered.
Special coverage features: Limits from 100,000/100,000.  P&E damages available where insurable. Free unlimited telephone hotline service. Up to $7,500 deductible reduction/credit and up to $7,500 for first dollar defense at administrative proceedings included. Deductible does not erode limits of liability.  Coverage enhancements that may be available for AP include defense costs in addition to limits, BI/PD, electronic media, personal injury and aggregate deductible options.
Maximum limits: Per claim, $5 million; aggregate, $5 million.
Minimum premium: No minimum premium.
Coverage available in: All states.
For more information: E&O Underwriting Team, Professional Liability Insurance Services Inc., Underwriting Facilities, 5802 Thunderbird Building 10 Ste. 100, Lago Vista, TX 78645. 800-761-7547. Fax: 512-327-5834. underwriting@plisinc.com, www.plisinc.com.

Quaker Special Risk
Insurer(s): ACE, Admiral, Aspen, Evanston, Landmark American, Lexington, Lloyds, Maxum, United National, USLI.
E&O insurance offered for: Insurance agents/brokers (property-casualty), insurance agents/brokers (life-health), surplus-lines brokers, managing general agents, reinsurance brokers, insurance adjusters, third-party administrators, risk retention groups.
Type and size of desired risk: Difficult to place risks.
Maximum limits: Per claim, $5 million primary; aggregate, $5 million primary.
Minimum premium: $2,500.
Coverage available in: All states except KS, ND, OK and SD.
For more information: Frank Walsh, Quaker Special Risk, P.O. Box 1350, Eatontown, NJ 07724. 800-447-4180. Fax: 732-223-9072. fwalsh@qsr-insurance.com, www.QSR-insurance.com.

Russell Bond & Co. Inc.
Insurer(s): Various carriers rated “A-“ or better.
E&O Insurance offered for:  Insurance agents/brokers (P&C), insurance agents/brokers (life-health), broker-dealers, surplus lines brokers, managing general agents, reinsurance brokers, insurance adjusters, third-party administrators, insurance companies, risk retention groups, insurance consultants, insurance loss investigators.
Type and size of desired risk: From one person operations up, high percentage of standard and brokerage business, previous claim experience acceptable.
Special coverage features: Flexible in handling unique situations. Defense outside limit are available. Employment practices liability available in conjunction with E&O. Aggregate deductible available.
Maximum limits: Per claim, $10,000,000; per aggregate, $10,000,000.
Minimum premium: $750.
Coverage available in:  AL, AZ, CA, CO, CT, DE, FL, GA, IA, IL, IN, KY, LA, MA, MD, ME, MI, MN, MS, NC, NE, NH, NJ, NM, NV, NY, OH, PA, RI, SC, TN, TX, VA, VT, WA, DC.
For more information: Russell Bond & Co., 295 Main St., Suite 866, Buffalo, NY 14203. 800-333-7226. Fax: 800-677-6779. Tonya Hollederer,  thollederer@russellbond.com; Tony Ambrose, aambrose@russellbond.com; Jackie Oddo, joddo@russellbond.com. www.russellbond.com .

S.H. Smith & Co. Inc.
Insurer(s): Various carriers rated "A" or better.
E&O insurance offered for: Insurance agents/brokers (life-health), broker-dealers, surplus-lines brokers, managing general agents, reinsurance brokers, insurance adjusters, third-party administrators, insurance companies, risk retention groups.
Type and size of desired risk: All types and sizes.
Special coverage features: First dollar coverage is available on a case by case basis/admitted paper.
Maximum limits: Per claim, available upon request; aggregate, available upon request.
Minimum premium: $1,500.
Coverage available in: All states.
For more information: Mark Mullarkey, S.H. Smith & Co. Inc., 20 Church St. Hartford, CT 06103. 860-656-1259. Fax: 860-656-1159. Mark_Mullarkey@shsmith.com, www.shsmith.com.

Utica National Insurance Group
Insurer(s):
Utica National Insurance.
E&O insurance offered for: Insurance agents/brokers (property-casualty), insurance agents/brokers (life-health).
Type and size of desired risk: Smaller up to $100 million.
Special coverage features: Broad coverage, diminishing deductible, broad named insured, direct contact with underwriting and claims departments.
Maximum limits: Per claim, $20 million; aggregate, $21 million.
Coverage available in: All states except AL, AK, CA, FL, MS, OK, WV and WY.
For more information: Ernest W. Weeks, Utica National Insurance Group, P.O. Box 530, Utica, NY 13503. 866-860-1914 x6901. Fax: 315-235-6769. ernest.weeks@uticanational.com, www.uticanational.com.

Westrope
Insurer(s): Various admitted/non-admitted markets.
E&O insurance offered for: Insurance agents/brokers (property-casualty), insurance agents/brokers (life-health), broker-dealers, surplus-lines brokers, managing general agents, reinsurance brokers, insurance adjusters, third-party administrators, insurance companies, risk retention groups.
Type and size of desired risk: All sizes.
Special coverage features: Depends on company.
Maximum limits: Per claim, depends on company; aggregate, depends on company.
Minimum premium: Depends on company/ specific to account.
Coverage available in: All states.
For more information: Phil Holderness, Westrope, 801 W. 47th Street Ste. 500, Kansas City, MO 64112. 816-842-8222. Fax: 816-842-3081. pholderness@westrope.com, www.westrope.com.

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