Market Directory: Architects' and Engineers' Insurance

5Star Professional Programs
Insurer(s): Multiple “A” rated carriers.
Policies written: Practice policies, project policies.
Coverage available for: Sole practitioners, part-time practitioners, “moonlighters,” joint ventures, design-build work, construction management, prior acts, pollution exposures.
Length of ERP: 1 to 6 years.
Limits: $20 million per claim and $20 million per aggregate.
Minimum premium: $3,000.
Coverage available in: All states.
For more information: Kevin Ottley, 5Star Professional Programs, 866-879-6565, marketing@5starsp.com, www.5starsp.com/protect.

All Risks Ltd.
Insurer(s): All Risks Ltd. is the exclusive program administrator for Everest National Insurance Co./Lloyds of London
Type/size of preferred accounts: Architects, interior designers, landscape architects, golf course architects, engineers, surveyors. 
Special coverage features: Contractors pollution liability and technology; defense outside of limits option; first dollar defense; worldwide coverage; automatic renewals; mediation credit; premium installment plans; specific project excess limits. 
Policies written: Practice policies.
Coverage available for: Sole practitioners, part-time practitioners, joint ventures, design-build work, construction management, prior acts, pollution exposures.
Length of ERP: Up to 5 years.
Limits: $5 million per claim and $5 million per aggregate.
Minimum premium: $1,400.
Coverage available in: All states except AK, HI.
For more information: All Risks Ltd.; Tom Lynch, 610-232-0300 x203, tlynch@allrisks.com; Sue Harker, 630-777-9658, sharker@allrisks.com; Bill Webb, 610-232-0300 x225, bwebb@allrisks.com; www.allrisks.com.

AmWINS Group Inc.
Insurer(s): AmWINS Group, Inc.
Type/size of preferred accounts: All sizes.
Special coverage features: We consider all classes including: specific job excess policies, owners protective, admitted and non admitted.
Policies written: Practice policies, project policies.
Coverage available for: Sole practitioners, joint ventures, design-build work, construction management, prior acts, pollution exposures.
Length of ERP: Up to 6 years
Limits: $100 million per claim and $100 million per aggregate.
Minimum premium: $5,000.
Coverage available in: All states.
For more information: AmWINS Group Inc.; David Lewison, 212-858-8975, david.lewison@amwins.com; www.amwins.com.

Atlantic Risk Specialists Inc.
Insurer(s): Various admitted and non-admitted “A+” rated carriers.
Types/size of preferred accounts: From individuals to large firms. Special coverage features: Available nationwide, worldwide territory, duty to defend, defense costs outside the limits, two-year policies, incidental pollution coverage, several extended reporting period options, aggregate deductible provisions, innocent insured protection.
Coverage available in: All states except HI, LA. Types of policies written: Practice policies, project policies.
Coverage available for: Sole practitioners, joint ventures, design-build work, construction management, prior acts, pollution exposures.
Length of ERP: Several options available. Limits: $10 million per claim and $10 million per aggregate.
Minimum premium: $2,500.
For more information: Atlantic Risk Specialists Inc.; Jennifer Dumont, 201-258-5640, jdumont@arspecialists.com; www.arspecialists.com.

AXIS Insurance Co.
Insurer(s): AXIS Insurance Co., AXIS Surplus Insurance Co.
Type/size of preferred accounts: Architects, engineers, surveyors, landscape architects, interior designers, construction managers, design/build firms, LEEDs designers, planners and design consultants to the building and construction industry with annual gross revenues of $250,000 or more. Contractors and environmental firms pollution, professional and GL products also available.
Special coverage features: Short inclusive form with no hammer clause. First dollar, shared expense, cpl available, mediation credit, contract reviews. Highly experienced underwriting and claims professionals. Primary and excess coverage.
Policies written: Practice policies, project policies.
Coverage available for: Joint ventures, design-build work, construction management, prior acts, pollution exposures.
Length of ERP: The policy includes a 60-day extended reporting period. 1, 2 and 3 years optional tail coverage available per the policy terms.
Limits: $25 million per claim and $25 million per aggregate.
Minimum premium: $2,500
Coverage available in: All States.
For more information: Lorna Parsons, AXIS Insurance, 908-673-2963, Lorna.Parsons@axiscapital.com, www.axiscapital.com.

Boston Insurance Brokerage Inc.
Insurer(s): Multiple “A” rated carriers.
Type/size of preferred accounts: All.
Special coverage features: Ability to place U.S. and internationally based policies.
Policies written: Practice policies, project policies.
Coverage available for: Sole practitioners, part-time practitioners, “moonlighters,” joint ventures, design-build work, construction management, prior acts, pollution exposures.
Length of ERP: 1 to 6 years.
Limits: $20 million per claim and $20 million per aggregate.
Minimum premium: $2, 000.
Coverage available in: All states.
For more information: Boston Insurance Brokerage Inc.; Nick Creatore, 617-556-7032, ncreatore@bostonbrokerage.com; Jim Seward, 617-556-7034, jseward@bostonbrokerage.com; Laura Marrone, 617-556-7059, lmarrone@bostonbrokerage.com; www.bostonbrokerage.com.

Burns & Wilcox
Insurer(s): More than 25 markets.
Type/size of preferred accounts: Varies by market.
Special coverage features: A market for every type of risk.
Policies written: Practice policies, project policies.
Coverage available for: Sole practitioners, part-time practitioners, joint ventures, design-build work, construction management, prior acts, pollution exposures.
Length of ERP: No limit.
Limits: $5 million per claim and $5 million per aggregate.
Minimum premium: Varies by insuring company.
Coverage available in: All states.
For more information: Burns & Wilcox; David Derigiotis, 248-539-6041, daderigiotis@burns-wilcox.com; Jan Lewis, 817-607-7163, jalewis@burns-wilcox.com; www.burnsandwilcox.com.

CB Malaga Insurance Services LLC
Insurer(s): Various carriers rated “A –” or better.
Coverage available in: AR,AZ,CA,CO,CT, IA, IL, IN, KS, LA,MD, MI, MN, MO, NC, NE, NJ, NY, OH, OR, PA, TN, TX, UT, WA, WI, WY.
Policies written: Practice policies, project policies.
For more information: CB Malaga Insurance Service LLC, 877-245-5887, www.cbspecialty.com.

Crump Insurance Services Inc.
Insurer(s): Various.
Special coverage features: Eligible classes: architects, mechanical/electrical/hvac/civil engineers, acoustic/interior design, construction management and land surveyors. Program parameters: $2,000,000 layer limit, minimum premium $5,000, retentions as low as $10,000 and fees of $100,000 and above. Ineligible classes: firms that specialize in structural engineering, petro/chemical engineering, marine engineering and environmental engineers.
Policies written: Practice policies, project policies.
Coverage available for: Sole practitioners, part-time practitioners, “moonlighters,” joint ventures, design-build work, construction management, prior acts, pollution exposures.
Length of ERP: 1 to 6 years.
Limits: $20 million per claim and $20 million per aggregate
Minimum premium: $2,000.
Coverage available in: All states.
For more information: Crump Insurance Services Inc.; Marketing, 877-247-9772, TheOne@crumpins.com; www.crumpins.com.

Executive Perils Inc.
Insurer(s): Multiple admitted and non-admitted carriers.
Type/size of preferred accounts: All.
Policies written: Practice policies, project policies.
Coverage available for: Sole practitioners, part-time practitioners, “moonlighters,” joint ventures, design-build work, construction management, prior acts, pollution exposures.
Length of ERP: Varies.
Limits: $20 million per claim and $20 million per aggregate.
Minimum premium: Varies by carrier and risk.
Coverage available in: All states.
For more information:  Damien Magnuson, Executive Perils Inc. 310-444-9333 x145, damienm@eperils.com. www.eperils.com.

HCC Specialty
Insurer(s): U.S. Specialty Insurance Co., Houston Casualty Co.
Type/size of preferred accounts: Generally under $15 million in professional fees.
Special coverage features: HCC Specialty (formerly RA&MCO), located in Concord, Calif.,  and Mt. Kisco, N.Y., is one of the nation's leading insurers of design and consulting professionals. Our carriers are A.M. best rated “A+” and we are accessed through a nationwide network of independent insurance brokers.
Policies written: Practice policies.
Coverage available for: Sole practitioners, part-time practitioners, joint ventures, design-build work, construction management, prior acts, pollution exposures.
Length of ERP: 36 months.
Limits: $5 million per claim and $5 million aggregate.
Minimum premium: $2,500.
Coverage available in: All states.
For more information: HCC Specialty, Steve Hansen , Concord location, 925-685-1600, shansen@hcc.com, Jeff Desrosiers, Mt. Kisco location, 914-241-8900, jdesrosiers@hcc.com, www.hccspecialty.com. 

Insight Insurance Services Inc.
Insurer(s): Argonaut Insurance Co., Colony Specialty Insurance Co.
Type/size of preferred accounts: Full-time and part-time practices up to $25 million in annual revenues; architects, landscape architects, interior designers, golf course architects, civil engineers, electrical engineers, HVAC Engineers, mechanical engineers, communication engineers, acoustical engineers, traffic engineers, structural engineers, process engineers, forensic engineers, CADD firms, construction managers.
Special coverage features: Options for defense outside limit coverage and first dollar defense deductibles; free financing for premiums over $10,000; toll-free hotline for pre-claims assistance and contract review.
Policies written: Practice policies.
Coverage available for: Sole practitioners, part-time practitioners, “moonlighters,” joint ventures, design-build work, construction management, prior acts.
Length of ERP: 1, 3 or 5 years.
Limits: $10 millions per claim and $10 million per aggregate.
Minimum premium: $1,400.
Coverage available in: All states except AK, CT, HI, NY.
For more information:  Sue Harker, Insight Insurance Services Inc., 800-447-4626, sharker@insightinsurance.com; www.insightinsurance.com.

John P. Anthony Agency LLC
Types/size of preferred accounts: Small-to-large electrical, mechanical, civil, environmental, structural and other engineers and architects.
Special coverage features: Broad named insured, deductible premium reduction for mediation. Contingent bodily injury coverage available.
Coverage available in: NJ, PA.
Types of policies written: Practice policies, project policies.
Coverage available for: Sole practitioners, joint ventures, design-build work, construction management, prior acts, pollution exposures, contractors' pollution liability, technology professional services.
Limits: $25 million per claim and $25 million per aggregate.
Minimum premium: $2,500.
For more information: John P. Anthony, John P. Anthony Agency LLC , 1200 S. Church St., #1, Mt. Laurel, NJ 08054. 856-638-0700. Fax: 856-638-0069. jack@jpanthonyinsurance.com.  www.jpanthonyinsurance.com.

NIF Pro/a division of NIF Group
Insurer(s): All carriers rated “A” or better.
Types/size of preferred accounts: Large and small, from sole practitioner to large firm.
Special coverage features: First-dollar defense.
Types of policies written: Practice policies, project policies.
Coverage available for: Sole practitioners, joint ventures, design-build work, construction management, prior acts, pollution exposures.
Length of ERP: Unlimited.
Limits: $10 million to $20 million per claim.
Minimum premium: $2,500.
Coverage available in: All states.
For more information: David Vicari, NIF Group Inc./NIF Pro, 516-365-7440, dvicari@nifgroup.com; www.nifgroup.com.

Peachtree Special Risk Brokers
Insurer(s): Over 25 markets. Both admitted and non-admitted
Type/size of preferred accounts: $100 in revenue and up.
Special coverage features: Mold/organic growth sub-limit; conditional return of premium enhancement, aggregate retentions, defense outside, punitive damages, final adjudication wording, ADA coverage, OSHA coverage, FHA coverage.
Policies written: Practice policies, project policies.
Coverage available for: Sole practitioners, part-time practitioners, “moonlighters,” joint ventures, design-build work, construction management, prior acts, pollution exposures.
Length of ERP: Up to 6 years in some cases.
Limits: $25 million per claim and $25 million per aggregate.
Minimum premium: $1,000
Coverage available in:All States
For more information: Jake Brodhead, Peachtree Special Risk Broker, 404-234-4480, jbrodhead@psrllc.com. www.psrllc.com.

Professional Liability Insurance Services Inc. – Wholesale Division
Insurer(s): Multiple markets.
Type/size of preferred accounts: Multiple options depending on market.
Policies written: Practice policies.
Coverage available for: Sole practitioners, design-build work, construction management, prior acts, pollution exposures.
Length of ERP: Depends on policy.
Limits: Varies based on areas of practice and revenue per claim and varies based on areas of practice and revenue per aggregate.
Minimum premium: Varies based on areas of practice.
Coverage available in: All states except AZ, FL, NM, WY.
For more information: Professional Liability Insurance Services Inc.-Wholesale Division; PLIS Wholesale Team, 800-713-9473, info@pliswholesale.com; www.pliswholesale.com.

Quaker Special Risk
Insurer(s): ACE, Admiral, Beazley, Evanston, Ironshore, Kinsale, Landmark American, Lexington, Lloyd's, Maxum, Starr Surplus, Travelers, Zurich.
Type/size of preferred accounts: Any size.
Policies written: Practice policies, project policies.
Coverage available for: Sole practitioners, part-time practitioners, moonlighters, joint ventures, design-build work, construction management, prior acts, pollution exposures.
Length of ERP: Varies.
Limits: $10 million per claim and $10 million aggregate.
Minimum premium: $3,500.
Coverage available in: All states.
For more information: Frank Walsh, Quaker Special Risk, 800-447-4180, fwalsh@qsr-insurance.com, www.qsr-insurance.com.

Russell Bond & Co. Inc.
Insurer(s): Various rated “A-“ or better.
Type/size of preferred accounts: All types including sole proprietor with no maximum size limitations.
Special coverage features: Reduced deductible for pre-litigation settlement, no pollution exclusion, broad definition of insured.
Policies written: Practice policies, project policies.
Coverage available for: Sole practitioners, part-time practitioners, moonlighters, joint ventures, design-build work, construction management, prior acts, pollution exposures.
Length of ERP: 3 years typical.
Limits: $10 million per claim and $10 million aggregate.
Minimum premium: $1,500.
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, WI, DC.
For more information: Jackie Oddo, Russell Bond & Co. Inc., 800-333-7226 x161, joddo@russellbond.com,  www.russellbond.com.

S.H. Smith & Co. Inc.
Insurer(s): Admiral, Axis, Beazley, CNA, Endurance, Evanston, Lloyd's, Maxum, One Beacon RSUI, Zurich.
Type/size of preferred accounts: Civil, mechanical and structural. Coverage available for all size accounts.
Special coverage features: Ability to offer admitted paper, first dollar defense and defense outside the limit on a case by case basis.
Policies written: Practice policies, project policies.
Coverage available for: Sole practitioners, design-build work, construction management, prior acts, pollution exposures.
Limits: $10 million per claim and $10 million aggregate.
Minimum premium: $1,500.
Coverage available in: All states.
For more information: Mark Mullarkey, S.H. Smith & Co. Inc., 860-656-1259, Mark_Mullarkey@shsmith.com, www.shsmith.com.

Southwest Business Insurance
Insurer(s): 15 companies.
Type/size of preferred accounts: Any size.
Special coverage features: Fast underwriting.
Policies written: Practice policies, project policies.
Coverage available for: Sole practitioners, part-time practitioners, “moonlighters,” joint ventures, design-build work, construction management, prior acts, pollution exposures.
Length of ERP: 1 to 6 years.
Limits: $20 million per claim and $20 million per aggregate.
Minimum premium: $2,000.
Coverage available in: AZ, CA, CO, GA, TX.
For more information: Southwest Business Insurance; 512-275-3827, galterman@sbcia.com; www.sbcia.com.

Valley Forge Insurance Brokerage
Insurer(s): General Star, PIA.
Type/size of preferred accounts: Minimum premium $1,500.
Policies written: Practice policies, project policies.
Coverage available for: Sole practitioners, moonlighters, joint ventures, design-build work, construction management, prior acts, pollution exposures.
Minimum premium: $1,500.
Coverage available in: All states.
For more information: Debbie Martin, Valley Forge Insurance Brokers, 866-516-1776, sales@vfib.com, www.vfib.com.

Victor O. Schinnerer & Co. Inc.
Insurer(s): CNA
Type/size of preferred accounts: Architects, engineers, surveyors, landscape architects, environmental consultants and miscellaneous construction industry consultants.
Special coverage features: 5% premium credit for AIA/NSPE members, rating based off 12- months billings prior to renewal, multi-year policies for eligible small accounts, cyber liability endorsement available.
Policies written: Practice policies, project policies.
Coverage available for: Sole practitioners, part-time practitioners, joint ventures, design-build work, construction management, prior acts, pollution exposures.
Length of ERP: 1, 3 or 5 years.
Limits: $20 million per claim and $20 million per aggregate.
Minimum premium: $1,000- varies by program.
Coverage available in: All states.
For more information: Victor O. Schinnerer & Co. Inc.; Vanessa Cole, 301-951-5455, vos.design@Schinnerer.com; Kathy Curry, 301-951-6927, vos.design@Schinnerer.com; Michelle Wynne, 301-961-9832, vos.design@Schinnerer.com; www.Schinnerer.com.

Worldwide Facilities Inc.
Insurer(s): Ace, Admiral, Arch, Beazley, Capitol Specialty, Evanston Insurance Co., Everest, General Star, Hiscox, Houston Casualty, Landmark American, Lexington, Lloyds of London, Maxum, National Union, State National, Travelers, Tudor, Zurich. 
Type/size of preferred accounts: All sizes.
Special coverage features: Higher and excess limits available, admitted and “A”-rated paper, contingent BI/PD.
Policies written: Practice policies, project policies.
Coverage available for: Sole practitioners, part-time practitioners, “moonlighters,” joint ventures, design-build work, construction management, prior acts, pollution exposures.
Length of ERP: Various.
Limits: $5 million per claim and $5 million per aggregate.
Minimum premium: Varies.
Coverage available in: All states.
For more information: Worldwide Facilities Inc.; Kristina Mason, 213-236-4500, info@wwfi.com; www.WWFI.com.