SPECIALTY LINES MARKETS
Some good news
By Larry G. France
"For the small to mid-sized employer without EPLI coverage, the handling of a claim can mean the difference between having a business and being out of business."
--Douglas Tobi, Five Star Managers
With all of the pressure in the industry to show profitable growth, meet customers' needs, and find someone who wants your business, there is good news. There are facilities that want your EPLI business. They are even aggressively looking for accounts.
At the recent RIMS Conference held in April, many carriers and facilities were openly seeking employment practices liability business. The reason? A much better understanding of this coverage and how to underwrite the risk.
Salvatore Pollaro, senior vice president of Zurich's Employment Practice Group, says, "Underwriting has better data than 12 years ago." Pollaro explains that "Zurich has devoted 23 underwriters to this class of business alone. We share information--including jury verdicts--with our agent/brokers and the insured. This places an emphasis on communication." According to Pollaro, the market is good and they are adjusting to the current conditions. Currently pricing is up 25% to 30% and some add-ons now have a premium charge, as opposed to freebees of the past.
As are most markets, Zurich is targeting risks of 300 employees or less, offering $1 million limits on a primary basis with retentions of $5,000, $10,000, and $25,000.
Markets want your EPLI business. EPLI is more of a seasoned product, so are the underwriters who now have 12-plus years' experience. Fine-tuning of EPLI has made the carriers feel more comfortable after a broad scope of data was accumulated.
Tom Caputo, program manager of Rockwood Programs, states: "EPLI coverage was very difficult to place for franchisees in the past. Rockwood can now place this business with few restrictions. Third-party coverage is included in the premium pricing, which is very popular with the food service sector." Caputo says loss control is available via a HR Web site at no additional cost to the insured. The policyholder also has 30 minutes of free telephone counsel per month. Consulting prior to termination or demotion can result in cutting their deductible in half.
The target prospects are still employers with 250 to 300 employees or fewer. They also are the ones that don't always foresee the result of not adding this coverage to their insurance portfolio. The legal defense cost alone makes the premium worthwhile. What small employer has the expertise to run a full-fledged human resources department complete with an up-to-date employee manual? The problems lie not only in the everyday maintenance of the companies' manuals but also in adherence to the manual by both sides. Did the hiring process include an orientation and did the new employee sign that he/she understood the rules and policies? What if you did not hire an applicant? Will your reasons stand up in court? Employee files must be documented when any action takes place--positive or negative.
Employee complaints must be investigated. Too many are simply shoved aside. Incidents of this nature don't go away; they just go around and return. They can come back to harm the bottom line in a big way. In general, the smaller the business, the more likely it is that an EPLI claim would put them out of business if they have no coverage.
"For the small to mid-sized employer without EPLI coverage, the handling of a claim can mean the difference between having a business and being out of business," says Douglas Tobin, assistant vice president of underwriting/program manager for Five Star Managers, LLC. For large employers, the handling of EPLI claims, especially class action claims or claims with punitive damages exposure, can be the difference between a profitable and an unprofitable year, Tobin remarks.
According to Tobin, early claim intervention and early claim resolution are the keys to the success of an EPLI program. "Human resource profess-ionals and employment/labor attorneys have known for many years that the expedient handling of employment-related disputes, complaints and claims is essential in order to reduce the consequences and ultimate cost of alleged or actual wrongful employment practices," he says.
Five Star utilizes a specialty claims team comprised of experienced labor attorneys who handle nothing but EPLI claims. "In fact," explains Tobin, "the team has managed on average over 1,500 EPLI claims per year." He says that due to the number of claims seen over a year's period of time, the special team is able to quickly and effectively respond and resolve the claims promptly, helping keep down the overall cost to both the employer and the carrier. "If employers and their insurers can identify and respond to employment claims early, select/approve the right defense counsel and take advantage of alternate dispute resolutions, the claims handling process is more likely to be less traumatic and lower cost."
Most markets will steer clear of entertainment type risks; PEOs; governmental entities; auto, motorcycle, and boat dealerships; religious and political risks; health organizations such as hospitals; and law firms. If a market can place coverage on these classes of business, it will probably specialize in that class only.
EPLI is one of the many products that are covered in depth at The Insurance Marketplace and The Rough Notes Company Special Lines Seminars. The next scheduled seminar is August 13 in San Francisco. Look for a registration form on www.roughnotes.com and in the July and August issues of Rough Notes magazine.
More than 50 markets responded to our survey, indicating they are a market for EPLI coverage. Note the target classes of business and territory of operation.
Agency Marketing Services, Inc.
P.O. Box 41786
St. Petersburg, FL 33743
Contact: Brian Koenig, Kathy Gandee
Phone: (800) 542-2805
Fax: (727) 343-4123
E-mail: bkoenig@agencymarketing.com
Web site: www.agencymarketing.com
An E&S broker operating in AL, FL, GA, MS and TN with limits of up to $10 million. Will consider all classes of business written, with third-party coverage endorsements also offered. Markel American/Evanston, Scottsdale, ACE USA-Illinois Union, Admiral, USLI, and Fireman's Fund are the A rated or better carriers.
All Risk/CESI, LLC
277 Broadway, Ste. 1001
New York, NY 10007
Contact: Maya Cruz, Fred Mansbach
Phone: (877) 385-0404
Fax: (212) 385-9556
E-mail: mcruz@ca-group.com
Web site: www.ca-group.com
An E&S broker that operates in NY state only, with limits of $5 million. Can offer D&O (for-profit and nonprofit). USLI, Markel, Chubb, Tudor, Lexington, and Lloyd's are the carriers.
All Risks, Ltd.
1920 Greenspring Rd., Ste. 200
Timonium, MD 21093
Contact: Karen Kutger, Ext. 3503; Cecilia Pressley, Ext. 3064
Phone: (800) 366-5810
Fax: (410) 828-8179
E-mail: kkutger@allrisks.com cpressley@allrisks.com
Web site: www.allrisks.com
An E&S broker that operates nationwide with various limits. Can offer D&O and E&O. Has access to more than 40 carriers with various ratings.
Baldwin Sadler Corp.
654 Enterprise Drive
Royersford, PA 19468
Contact: Gary Angstadt, Ext. 108
Phone: (800) 227-9040
Fax: (610) 495-8900
E-mail: gea@baldwinsadler.com
An MGA that operates in all states except LA (surplus lines in CA and WA) with limits of $500,000 - $2 million with $2,500 minimum retention. Target market is businesses with fewer than 200 employees and more than three years in operation (certain classes are excluded). Can offer defense, outside limits, optional third-party discrimina-tion and sexual harassment. USLI and Mt. Vernon are the A rated carriers.
BAT Insurance Corp.
465 S. Beverly Dr.
Beverly Hills, CA 90212
Contact: Tony Trocino
Phone: (310) 282-0753
Fax: (310) 282-7133
E-mail: trotony@earthlink.net
An E&S broker that operates in CA only with limits of $2 million. Can offer GL. National Environmental is the carrier.
Bohrer, Croxdale & McAdoo, Inc.
P.O. Box 2760
Springfield, MO 65801
Contact: Vicki Cota (IL, KS, MO, OK)
Phone:(800) 779-2550
Fax: (888) 869-2550
E-mail: vcota@bcmins.com
AR
930 Wingate, Ste. C
P.O. Box 1190
Conway, AR 72033
Contact: Clay Farris
Phone: (800) 594-5101
Fax: (800) 726-7704
E-mail: cfarrisbcm@conwaycorp.net
An E&S broker operating in AR, IL, KS, MO and OK with limits of $100,000 - $5 million. Will consider any size of risk, with third-party discrimination available on some risks, and defense outside the limit option on most risks. Various A rated admitted and nonadmitted carriers are used to place coverage.
Burns & Wilcox, Ltd.
30833 Northwestern Hwy., Ste. 220
Farmington Hills, MI 48334
Contact: Jonathan Brown
Phone: (800) 521-1918
E-mail: info@burns-wilcox.com
An MGA/E&S broker that operates in all states except AK, HI and NY with limits of up to $5 million. All classes are considered, but preferred are those risks with fewer than 200 employees. Can offer nonprofit D&O (minimum premium $1,250). Lloyd's, USLI, and Scottsdale are the A rated or above carriers.
Capitol Special Risks, Inc.
1899 Powers Ferry Rd., Ste. 100
Atlanta, GA 30339
Contact: Amanda Sedliak
Phone: (800) 956-7047
Fax: (770) 816-4891
E-mail: asedliak@crisks.com
An E&S broker operating in all states (surplus line filing is a problem in NJ, NY, PA and WA) with unlimited limits. Target market is private companies and nonprofit companies of all areas. Can offer tenant discrimina-tion, D&O, E&O. Carriers are AIG, Zurich, Chubb, Great American, Evanston, USLI, Lloyd's, Hartford, ACE, Liberty, Royal and others.
Casualty & Surety, Inc.
Meadow Brook 300, 300 Corporate Pky., Ste. G-1
Birmingham, AL 35242
Contact: Lamar Andrews
Fax: (205) 995-0862
E-mail: landrews@csiapex.com
Web site: www.csiapex.com
An E&S broker that operates nationwide with limits of $2 million and up. All carriers are rated A or above.
Continental/Marmorstein & Malone
P.O. Box 586
Paramus, NJ 07652
Contact: Bill Malone
Phone: (800) 932-0249
Fax: (201) 261-8922
E-mail: bmalone@ca-group.com
Web site: www.ca-group.com
An MGA/E&S broker that operates in NJ and NY state only, with limits of up to $5 million per claim/$5 million aggregate. Will consider all classes/types of accounts. USLI, Chubb Executive Risk, Essex, FirstState, Houston Casualty, and Tudor are the carriers.
Corporate Advisors, Inc.
P.O. Box 429
McHenry, IL 60051
Contact: Kenneth Hill
Phone: (888) 895-6930
Fax: (815) 363-6931
E-mail: k.hill@4corporateadvisors.com
Web site: www.4corporateadvisors.com
A wholesaler that operates in all states with primary limits of $5 million, plus excess. Can offer D&O and E&O. Carriers are Great American, Hartford, Houston, Lloyd's and other A rated carriers.
Delaware Valley Underwriting Agency, Inc.
420 S. York Rd.
Hatboro, PA 19040
Phone: (800) 388-0215
Fax: (215) 441-8618
E-mail: info@dvua.com
Web site: www.dvua.com
DVUA Hatboro
Contact: Judy Klingerman
Phone: (215) 443-3547
E-mail: klingerman@dvua.com
DVUA NJ
25 Vreeland Rd., Bldg. B
Florham Park, NJ 07932
Contact: Charla Woodeschick
Phone: (800) 772-2207
Fax: (973) 377-2430
E-mail: woodeschick@dvua.com
DVUA Pittsburgh
1 Forestwood Dr., Ste. 203
Pittsburgh, PA 15237
Contact: Linda Bobro
Phone: (412) 369-2508
Fax: (412) 366-1760
E-mail: bobro@dvua.com
An E&S wholesaler operating in DE, KY, MD, NC, NJ, NY, PA, OH, SC and WV with limits of $100 million; excess limits available. Target markets are super markets, artisan contractors, doctors, transportation/trucking, banks/financial institutions, hotels/motels, social service organizations, consultants, insurance agencies, retailers, wholesalers and sales. Can offer third-party liability, third-party discrimination, intentional acts excluded, defense outside the limit, and punitive damages. Carriers are AIG, XL, USLI, Markel, Chubb-Executive Risk, Illinois Union, Genesis, and Admiral.
Excel Insurance Service, Inc.
301 Oxford Valley Rd., Ste. 402A
Yardley, PA 19067
Contact: Michael McGee
Web site: www.excelins.com
An MGA/E&S broker operating in FL, NJ and PA with limits of $5 million. Can offer professional D&O. All carriers are A rated or better.
Five Star Managers, LLC
118 S. Clinton St., Ste. 450
Chicago, IL 60661
Contact: Doug Tobin
Phone: (866) 879-6565
Fax: (312) 879-1335
E-mail: dtobin@5starmgrs.com
Web site: www.5starmgrs.com
A managing general underwriter that operates in all 50 states (not admitted in all states) with limits of $500,000 - $2 million. Will consider risks with 10 - 1,000 employees but prefers accounts with 10 - 250 employees (manufacturers, hospitality, contractors, wholesalers, architects/engineers. Will not write PEOs/employee leasing/temporary help, governmental entities, entertainment, schools/colleges/churches/church schools. Can offer full prior acts, third-party (discrimination and harassment), punitive damages and failure to make partner/shareholder coverages available for most risks. Program includes specialty claims handling team comprised of labor attorneys. All carriers are rated A.
Gateway Underwriters Agency
755 S. New Ballas Rd., Ste. 130
St. Louis, MO 63141
Contact: Barbara Smeltz, Ext. 114
Phone: (800) 325-7652
E-mail: barb.smeltz@gua-stl.com
An MGA that operates in IA, IL, KS, MO and NE with limits of $5 million. Target market is firms with fewer than 200 employees. Will not consider large contractors and hospitals. Can offer for-profit and not-for-profit D&O and medical providers coverage. USLI, Houston Casualty, Tudor, and Scottsdale are the A rated or better carriers.
Gorst & Campass
9310 Topanga Canyon
Chatsworth, CA 91311
Contact: Nancy Brown
An MGA that operates in CA only, with limits of $1 million. Shand Marahan is the A rated carrier.
Great American Insurance - Executive Liability Division
1515 Woodfield Road, Ste. 500
Schaumburg, IL 60173
Contact: Christian J. Ketcham
Phone: (847) 330-6779
Fax: (847) 330-6890
E-mail: cketcham@gaic.com
Web site: www.greatamericaneld.com
An insurance company that operates in all states except California with limits of $500,000 - $10 million. Target market is any non-excluded classes of business with less than 1,000 employees; prefer 50-500 employees. Will consider offering optional third party liability to certain risks. Will not write California-domiciled risks, PEOs, law firms, employee leasing firms, or governmental entities. Great American Insurance Companies is the A rated carrier.
H.R. Keller & Co., Inc.
1520 Sheridan Dr.
Buffalo, NY 14217
Contact: Fred Stievater, John Barton, Rob Martin
Phone: (800) 424-2202
Fax: (716) 874-4920
A general agent/wholesaler that operates in NY state only, with limits that vary by market. Will try to place all classes, with D&O and E&O offered. Various carriers are used to place coverage.
Hartford Financial Services, Inc.
2 Park Ave., 5th fl.
New York, NY 10016
Contact: Aileen A. Marchese
Phone: (212) 277-0484
Fax: (917) 464-6240
E-mail: aileen.marchese@thehartford.com
An insurance company that operates in all states and worldwide with limits of $25 million. Will not write auto dealers and law firms. Third-party coverage is available.
Insurance Innovators Group
130 S. Easton Rd.
P.O. Box 969
Glenside, PA 19038
Contact: Frances Reh, Mary Fran Benussi, Barbara Randall
Phone: (800) 523-6422
Fax: (215) 886-2482
Web site: www.iiigroup.com
An MGA/E&S broker operating in CT, DE, MA, MD, NJ and PA with limits of $5 million. Will consider all classes with for-profit and not-for-profit D&O offered. Various A rated or better carriers are used to place coverage.
Jimcor Agencies
60 Craig Rd.
Montvale, NJ 07645
Contact: Coryn Mastowski
Phone: (800) 334-0474
Web site: www.jimcor.com
An MGA/E&S broker that operates in most states with limits of $10 million. Will consider all classes. Can offer a medical provider product tailored for the medical field. Can combine EPL with D&O exposures. All carriers are rated A or better.
Karsanidi Group, Inc.
635 Danbury Road
Ridgefield, CT 06877
Contact: Alex Karsanidi
Phone: (800) 277-5407
Web site: www.karsanidi.com
A wholesaler that operates in all states except CA with limits of up to $5 million. Will consider all for-profit companies except law firms with total employees under 150. Will not offer third-party coverage. St. Paul Guardian is the A rated carriers.
M.J. Kelly Co., Inc.
4415 E. Sunshine
Springfield, MO 65809
Contact: Lori Drake
Phone: (800) 725-7211
Fax: (417) 883-7102
Web site: www.mjkelly.com
An E&S broker that operates in AR, FL, IA, IL, KS, MO, MS, OK and UT with limits of $5 million/$5 million. Target market is privately held companies withfewer than 200 employees. Can offerD&O. USLI, Tudor, and Great Americanare the A rated or better carriers.
Lighthouse Underwriters, LLC
7630 Little River Turnpike, Ste. 100
Annandale, VA 22003
Contact: Brian Cropp
Phone: (703) 770-3700
Fax: (703) 770-3720
E-mail: croppbe@lighthouseunderwriters.com
Web site: www.lighthouseunderwriters.com
An MGA that operates in all states with various limits. Can offer D&O and E&O. Carriers are rated A or better.
Market Finders Ins. Corp.
P.O. Box 6549
Louisville, KY 40206
Contact: Karen Cornett, Charlene Curry, Susan Hudgins
Phone: (800) 626-5660
Fax: (502) 426-7970
E-mail: kcornett@mfic.com ccurry@mfic.com shudgins@mfic.com
Web site: www.mfic.com
An MGA/E&S broker that operates in IN, KY, NC, OH, SC, TN and WV with limits of up to $5 million. Markel and USLI are the A rated or better carriers.
McLeckie General Agency
P.O. Box 770
Naples, TX 75568
Contact: Bill McLeckie
Phone: (903) 897-9090
Fax: (801) 365-5626
E-mail: billmcleckie@juno.com
An MGA that operates in CO, FL, IA, LA, MS, OH and TX with limits of $1 million. Target market is franchised auto dealers (large accounts preferred). Gulf is the carrier.
McSweeny Agency (E & S)
505 High St.
Burlington, NJ 08016
Contact: Richard McSweeny
Phone: (609) 387-0101
Fax: (609) 387-7171
An MGA/E&S broker that operates in NJ and PA only with limits of $5 million. Will consider any size account. Can offer D&O, E&O, GL, property and umbrella. All carriers are rated A.
Michael J. Kelly Insurance Agency
3463 State St., Ste. 224
Santa Barbara, CA 93105
Contact: Michael J. Kelly
Phone: (800) 329-5355
Fax: (805) 569-8864
E-mail: tac@alarmchannel.com
Web site: www.alarmchannel.com
An agency that operates in all states with limits of $10 million. Target market is alarm and tele-communications industry in the United States. Can offer GL with E&O, auto, property, WC, and umbrella. All carriers are rated A or above.
Midwestern General Agency, Inc.
255 NW Blue Pky.
Lee's Summit, MO 64063
Contact: Carol Mauslein
Phone: (816) 246-1290
Web site: www.mgakcmo.com
An MGA/E&S broker that operates in IA, IL, KS, MO and NE with limits of $5 million. Target market is businesses with 25 or more employees. Can offer D&O liability. Fireman's Fund, Tudor, and Markel are the A rated carriers.
Monitor Liability Managers, Inc.
2850 W. Golf Rd., Ste. 800
Rolling Meadows, IL 60008
Contact: David Aller, Ext. 502; Randy Mrozowicz, Ext. 531
Phone: (847) 806-6590
Fax: (847) 806-6282
E-mail: info@monitorliability.com
Web site: www.monitorliability.com
An underwriting management company that operates in all states with limits of up to $5 million. Will consider most classes but the primary target is companies with up to 2,000 employees or companies that already publish or are willing to publish an employee handbook or written employee policies and procedures. Offers EPLI as a stand-alone policy or as an add-on coverage. Also offers D&O liability, lawyers professional liability, management liability or nonprofit D&O liability. Offers coverage enhancements for co-defendants liability, third-party liability, additional insureds (including coverage for independent contractors, volunteers, and spouses, partnership coverage (including failure to make partner language), costs of defense in addition to the limit of liability, waiver of deductible, modification of "hammer clause" (50%/50% or 70%/30% coinsurance). Carolina Casualty and Admiral are the A rated carriers.
NAS Insurance Services, Inc.
16633 Ventura Blvd., Ste. 500
Encino, CA 91436
Contact: Ron Rumin, Rich Robin, Chris Reese
Phone: (818) 382-2030
Fax: (818) 382-2040
E-mail: rrumin@nasinsurance.com
rrobin@nasinsurance.com
creese@nasinsurance.com
Web site: www.nasinsurance.com
A managing general underwriter that operates nationwide except for AL, with limits of $2 million per exposure. Target market is firms with employees from 2 - 2,000. Will consider almost any type of business except for hi-tech, entertainment and temporary. Can offer D&O, fiduciary liability, and tenant discrimination liability. Lloyd's is the A rated carrier.
Natl. Ins. Professionals Corp.
1040 N.E. Hostmark St., #200
Poulsbo, WA 98370
Contact: Barbara Seitz
Phone: (800) 275-6472
Fax: (360) 697-3688
E-mail: barbaras@nipc.com
kathys@nipc.com
Web site: www.nipc.com
A program administrator that operates nationwide with limits that vary with the type of risk. Target markets are not-for-profit and governmental entities, municipalities, and schools. Can offer third-party discrimination, sexual harassment, whistle blower claims, and other employment-related claims. All carriers (admitted and nonadmitted) are rated A.
NIF Group - North Island/NIF Pro
30 Park Ave.
Manhasset, NY 11030
Contact: Dave Vicari, Deborah Rivera
Phone: (800) 664-3776
Fax: (516) 365-9566
E-mail: marketing@nifgroup.com
Web site: www.nifgroup.com
An MGA/E&S broker operating on an admitted basis in CT, FL, GA, MA, MS, NJ, NY, PA and RI and nationwide on a nonadmitted basis. Target market is any EPLI risk, specialty companies less than 1,000 employees. Can write a combined policy with D&O for private companies. All carriers are rated A.
Peninsula Excess Insurance Brokers, Inc.
1000 Conshohocken Rd., #151
Conshohocken, PA 19428
Contact: Susan Klinger
Phone: (877) 438-7369
E-mail: sklinger@pen-ex.com
Web site: www.pen-ex.com
An MGA/E&S broker that operates nationwide with unlimited limits. Can offer D&O, crime, fiduciary, and WC. Evanston, Saint Paul, ACE USA, and Gulf are the carriers.
Prime Insurance Syndicate Inc./I.E.B.S.
P.O. Box 4439
Sandy, UT 84091
Contact: Rick J. Lindsey
Phone: (800) 257-5590
Fax: (801) 304-5595
E-mail: rjl@primeis.com
Web site: www.primeis.com
An insurer - Prime Insurance Syndicate/IEBS - MGA that operates in all states with all limits available. Will consider all classes. Prime Insurance Syndicate is rated B-, and Lloyd's is rated A.
Princeton Risk Managers, Inc.
435 Wall St., Research Park
Princeton, NJ 08540
Contact: Christine Nickles, Ext. 4212; Gabrielle Griffith, Ext. 4214
Phone: (800) 776-0099
Fax: (609) 924-8155
Web site: www.princetonrisk.com
An E&S broker that operates in NJ, NY and PA with limits of up to $10 million. Will not write bars, nightclubs, adult entertainment, or federal, state or local governmental entities. Can offer wrongful refusal to employ, failing to promote, wrongful termination, sexual harassment, defamation of character, libel/slander, invasion of privacy, breach of implied contract, discrimination for race, sex, etc., wrongful deprivation of career opportunities, and employment-related misrepresentation. Markel, Crum & Forster, Chubb, Genesis, CNA, and General Star are the A rated or better carriers.
Professional Liability Insurance Services, Inc.
8015 Bronco Lane, Ste. 100
Lago Vista, TX 78645
Contact: David Hanley, Vicki Klopfenstein, Cyndi Ivy
Phone: (800) 761-7547
Fax: (512) 327-5834
E-mail: underwriting@plisinc.com
Web site: www.plisinc.com
A national program administrator operating in all states with various options and limits that start with $300,000/$300,000 and up. Will consider all classes. Third party available, P&E available and $2,500 administrative proceedings (EEOC defense expenses). An 800-number hotline is maintained by licensed HR professionals. Lloyd's is the A rated carrier.
Professional Governmental Underwriters, Inc.
P.O. Box 35471
Richmond, VA 23235
Contact: Chuck Highlander
Phone: (804) 272-7852
Fax: (800) 586-6502
E-mail: chighlander@pgui.com
Web site: www.pgui.com
An MGA/program manager that operates in all states with limits of up to $5 million. Target markets are public entities, public and private schools, quasi government and public service nonprofits. Can offer public officials E&O, nonprofit D&O and educators legal liability. United National Group is the A rated or better carrier.
Professional Risk Co.
601 Union St., Ste. 4616
Seattle, WA 98101
Contact: Patrick Campbell, Carolyn True
Phone: (206) 621-8808
Fax: (206) 682-9176
E-mail: pat_campbell@professionalriskco.com
An MGA that operates in all states except ME and VT with limits of $5 million/$5 million. Targets employers with between 10 - 1,000 employees. Will not write hospitals, public entities, law firms, auto dealers, employment agencies/leasing. Offers strictly EPLI. Fireman's Fund is the A rated carrier.
Quaker Special Risk
P.O. Box 415
Sea Girt, NJ 08750
Phone: (800) 447-4180
Fax: (732) 223-9072
E-mail: fwalsh@qsr-insurance.com
Web site: www.qsr-insurance.com
An E&S broker that operates in all states with limits of $5 million. Will consider all classes and can write D&O. Carriers are USLI, Evanston, Markel, Lexington, Genesis, Admiral, Chubb, Great American, and AXIS.
R.E. Chaix & Associates
1501 Westcliff Drive, Ste. 290
Newport Beach, CA 92660
Contact: Colleen Eaton, Ext. 221
Phone: (800) 369-4337
Fax: (800) 644-4454
E-mail: colleenh@rechaixinsurance.com
An E&S broker that operates in CA only with limits of $5 million. Various carriers are used to place coverage.
Robert A. Schneider Agency
5620 Smetana Dr., Ste. 225
Minnetonka, MN 55343
Contact: Steve Libor
Phone: (800) 862-6038
Fax: (952) 938-0701
E-mail: rs@rasinc.com
Web site: www.rasinc.com
An MGA/E&S broker that operates nationwide with limits of $5 million. Will consider all classes. Can offer D&O. USLI and Evanston are the A rated or better carriers.
Rockwood Programs, Inc.
4001 Miller Road
Wilmington, DE 19802
Contact: Tom Caputo
Phone: (800) 558-8808
Fax: (302) 764-5477
E-mail: tom.caputo@rockwoodinsurance.com
Web site: www.rockwoodinsurance.com
An MGA that operates in all states and Puerto Rico with limits of up to $5 million. Target market is PEOs. Can write franchises and other affinities with multiple locations, loss control-HR Web sites at no additional cost to policyholders, leased employees via endorsement, third-party by endorsement. Gulf and Houston Casualty are the A rated or better carriers.
Roush Insurance Services, Inc.
P.O. Box 1060
Noblesville, IN 46061
Contact: Gail C. Pierce, Scott Sackers, Tony Armor
Phone: (800) 752-8402
Fax: (317) 776-6891
E-mail: gail.pierce@roushins.com scott.sackers@roushins.comtony.armor@roushins.com
Web site: www.roushins.com
An MGA that operates in IL and IN only with limits of $1 million, with excess available to desired limit. Will consider all classes. Can offer E&O, D&O, employee dishonesty bonds, business auto, property & liability, equipment breakdown, and excess & umbrella. Gulf, Markel, Scottsdale, and Tudor are the A rated carriers.
Russell Bond & Co., Inc.
295 Main St., Ste. 866
Buffalo, NY 14203
Contact: Tonya Hollederer, Ext. 133; Tony Ambrose, Ext. 143
Phone: (800) 333-7226
Fax: (716) 856-0403
E-mail: info@russellbond.com thollederer@russellbond.com tambrose@russellbond.com
Web site: www.russellbond.com
An MGA/E&S broker that has this product available only in NY and surrounding states. Limits available are $100,000 - $10 million. Will consider all risks. Coverage is written mono-line or in conjunction with D&O, school board legal & public officials. All carriers are rated A or better.
Victor O. Schinnerer & Co., Inc.
2 Wisconsin Circle
Chevy Chase, MD 20815
Contact: Kay Senator
Phone: (301) 951-9773
Fax: (301) 951-5444
E-mail: kay.s.senator@schinnerer.com
An underwriting manager operating in all states with maximum limits of $5 million. Target market is design professionals including architects, engineers, land surveyors, landscape architects and other specialty consultants. Employment practices provides coverages specifically designed to protect architects, engineers, landscape architects, land surveyors and design consultants. CNA is the A rated carrier.
S.H. Smith & Co.
41 N. Main St.
West Hartford, CT 06107
Contact: Mark Mullancey
Phone: (800) 356-0168
Fax: (860) 561-3606
E-mail: markm@shsmith.com
Web site: www.shsmith.com
An E&S broker that operates in all states with limits of up to $25 million. Will consider all classes. Can offer D&O liability and fiduciary. Carriers are Chubb, ACE, USLI, Zurich, Monitor Liability, and AIG.
Swett & Crawford Group
21650 Oxnard St., Ste. 1400
Woodland Hills, CA 91367
Contact: Catherine Snyder, Nanci Evarts
E-mail: info@swett.com
Web site: www.swett.com
An MGA/E&S broker that operates in all states with limits of up to $50 million. Can offer D&O and E&O. All carriers are A rated or better.
U.S. Risk Underwriters, Inc.
10210 N. Central Expy., Ste. 500
Dallas, TX 75238
Contact: Keli Smith, Jay Alston
Phone: (800) 232-5830
An MGA that operates in all states with limits of $2 million. Will consider all classes except religious organizations, casinos, and PEOs. Lloyd's of London is the A rated carrier.
United Brokers Inc.
P.O. Box 1243
New Albany, IN 47151
Contact: Travis Glotzbach
Phone: (800) 444-4824
Fax: (812) 949-5015
E-mail: travisg@ubinc.com
Web site: www.ubinc.com
An MGA/E&S broker that operates in all states except AK, CA, HI and LA with limits of $5 million/$5 million maximum and $1 million/$1 million minimum. Can offer package policies. USLI and Evanston are the A rated or better carriers.
W.H. Greene & Associates
400 Quaker Rd.
East Aurora, NY 14052
Contact: William H. Greene, William Cote, Michael LaMarca
Phone: (716) 805-1090
Fax: (716) 805-1099
E-mail: mail@whgreene.com
Web site: www.whgreene.com
An E&S broker operating in CT and NY only with limits of up to $10 million (more with excess layers). Can offer D&O liability, fiduciary, public officials liability and educators legal liability. The various admitted and nonadmitted carriers are rated A or better.
J.M. Wilson
8036 Moorsbridge Rd.
Portage, MI 49024
Contact: Cathy Baldwin
Phone: (800) 282-8113
Fax: (269) 327-2620
E-mail: cbaldwin@jmwilson.com
Web site: www.jmwilson.com
An MGA operating in IL, IN, MI, MO, OH and WI with limits of up to $5 million. Will look at all classes with up to 250 employees. USLI, Lloyd's and Markel are the A rated or better carriers.
Yates & Associates
2100 E. Fourth St., 2nd fl.
Santa Ana, CA 92705
Contact: Bill Duncan, Maria Guerra, Laurie Mann
Phone: (800) 660-1125
Fax: (800) 378-8588
E-mail: bduncan@yates-assoc.com mguerra@yates-assoc.com lmann@yates-assoc.com
Stockton
2433 West March Lane, Ste. 202
Stockton, CA 95207
Contact: Bob Mestayer
Phone: (800) 464-7042
Fax: (800) 472-7043
E-mail: rmestayer@yates-assoc.com
Web site: www.yates-assoc.com
An MGA/E&S broker that operates in all states with limits of $5 million--excess available. Will consider all classes with tenant discrimination and third-party liability offered. Carriers are Tudor, Philadelphia, Houston Casualty, Markel, Illinois Union, ACE American, Admiral, Evanston, Carolina Casualty, and Lloyd's--all rated A or better.
Zurich North America
One Liberty Plaza
New York, NY 10006
Contact: Over 300 employees: Hindi Golden (NC, SC, NW, SW) Melissa Giordano (NE, SE, MA)Under 300 employees: James Mchugh
Phone: Hindi Golden, (212) 553-5527 Melissa Giordano (212) 553-5530 James Mchugh (212) 553-5517
Fax: Over 300 (212) 225-7034 Under 300 (866) 804-1476
Web site: www.zurichna.com/managementliability
A carrier that is available in all states with limits of up to $50 million, primary and excess (more than 300 employees), and up to $1 million, primary for under 300 employees (retentions: $5,000, $10,000 or $25,000). In the under 300 employees market the following classes are not written: law firms, municipalities or other governmental entities, schools, temporary help firms and PEOs, political organizations, churches/religious organizations, technology firms and auto dealerships. The Zurich U.S. pool of companies includes Corporate Customer, Middle Markets, Small Business, Construction, Specialties, Surety & Financial Enterprises, Empire Insurance Companies, Zurich Global Energy, Strategic Partnerships and Universal Underwriters Group. *