SPECIALTY LINES MARKETS

Employment practices liability

Do lawsuits begin at 40?

By Larry G. France

As the result of a recent U.S. Supreme Court ruling, any worker over 40 years old can allege age discrimination even if the employer never intended to harm the employee. The fact is that even though this looks like a new advantage, anyone filing will probably have a difficult time winning the case. Okay, that means that the losses will not increase. What about the duty to defend? With most limits inside the primary, defense costs could erode the policy limits. Who is the winner?

When taking a look at pricing, risk selection and other market conditions you must consider the geographical area, type of operation (nonprofit vs. public entity), and number of employees of the client.

“Pricing on EPL policies is holding steady, with companies with smaller numbers of employees (approximately 750 or fewer) getting better rates than larger risks,” according to Richard G. Clarke, CIC, CPCU, RPLU, senior vice president of J. Smith Lanier & Co. and a member of the EPL subcommittee for RiskProNet International, Inc.

Clarke said that although underwriters have been competing heavily for nonpublic D&O risks with EPL included, public entity D&O risks are not nearly as desirable to them and EPL is virtually never included in the same policy, but is underwritten separately.

According to Michael J. Maloney, senior vice president of Global EPL at Chubb Specialty Insurance, pricing for EPL appeared to have achieved a good balance by the end of 2004 “with carriers seeking rate increases to account for exposure increases. In 2005, most accounts should see flat renewal rates or maybe a slight price reduction, especially if they experienced several consecutive years of price increases and can demonstrate improved human resources controls and loss/claim activity on the account. Unfortunately, based on continued inflation in loss costs and claim activity, there seems to be scant room available for ongoing rate relief,” says Maloney.

Maloney predicts that the industry can expect a small but steady inflation in EPL claims frequency and severity. More class action suits are in the future as evidenced by the recent Supreme Court ruling in the Smith v. City of Jackson, Mississippi case, which seems “to open the door to more costly age discrimination cases by allowing employees to allege adverse impact instead of outright intentional discrimination.”

Chris Ketcham of Great American’s Executive Liability Division agrees that the market remains very competitive in the small account area where a number of carriers have focused their underwriting efforts.

“We’ve seen EPL rates soften only moderately for small accounts (0-250 employees) over the past year (roughly 0%-5%), but rate increases can vary greatly depending on the account and the expiring rate,” according to Ketcham. “The larger EPL risks have had less rate softening and some have been required to take higher retentions particularly if they have had significant claim frequency or severity. We expect the competitive market conditions to continue, given the softness of the public D&O marketplace.”

Ketcham says that Great American expects to grow in the EPL market in 2005—but at a slower rate than in 2004.

Patrick Campbell of NIPC (National Insurance Professional Corporation), A/D/O Risk Placement Services agrees. “Median jury awards persistently march upward. While we are still seeing rate reductions, the pace of the decline has slowed considerably in recent months. Markets continue to hone their competitive focus to specific areas and cases of business that have proven profitable to them.”

Campbell says that “challenged” accounts are now less difficult than a year ago and third-party coverage remains readily available, even for classes with significant exposures.

J.W. Edwards of Bailey Special Risks, Inc., observes that coverage forms have generally improved. The pricing has eroded in the past 12 months and loss control services are better across the board.

All in all, this class of business appears to be in better condition than most.

The following have responded to our survey and have indicated that they are a market for EPLI.

Agency Marketing Services, Inc.
P.O. Box 67218
St. Pete Beach, FL 33736
Contact: Stephanie Hays
Phone: (800) 542-2805
E-mail: shays@agencymarketing.com
An E&S broker operating in AL, FL, GA, MS, NC, SC, TN and TX with limits of $25 million (minimum deductible is $2,500; minimum premium is $1,000). Available for most types of businesses (no size limitations). Can offer D&O. All carriers are A rated.

All Risks, Ltd. and All Risks, LLC
10150 York Rd., 5th Fl.
Hunt Valley, MD 21030
Web site: www.allrisks.com
Texas office
All Risks, Ltd.
12400 Coit Rd., Ste. 510
Dallas, TX 75251
Contact: Angela George, Ext. 104
Phone: (800) 590-022
Fax: (469) 791-9247
E-mail: angela.george@allrisks.com
California office
All Risks of California Insurance Services, LLC
1000 Broadway, Ste. 320
Oakland, CA 94607
Contact: Erik Kamiya, Ext. 108
Phone: (800) 451-9680
Fax: (510) 452-9293
E-mail: erik.kamiya@allrisks.com
An E&S broker that operates nationwide with limits of up to $20 million. Target classes include but are not limited to nonprofit social services, private schools, manufacturing, retail, hospitality (hotels, restaurants), construction, service (consultants, real estate agents and law firms). Can offer D&O, professional liability, workplace violence liability, and Internet liability. Carriers are Evanston (A), and Philadelphia Insurance (A+), as well as multiple admitted and nonadmitted carriers with A- or better ratings.

AmWINS Brokerage
3490 Piedmont Rd., NE, Ste. 850
Atlanta GA, 30303
Contact: Glen Bailey, Bill Dixon, Paul Schiavone
Phone: (404) 592-2688
Fax: (404) 592-2699
E-mail: glen.bailey@amwins.com
Web site: www.amwins.com
An E&S broker that operates in all states with limits of up to $25 million from any one market. Will consider all classes.

Aon Specialty Product Network (ASPN)
200 E. Randolph St., 18th Fl.
Chicago, IL 60601
Contact: We will direct you to appropriate provider company.
Phone: (877) 275-2776
Fax: (312) 681-6211
E-mail: moreinfo@askaspn.com
Web site: www.askaspn.com
MGAs/program administrators and E&S brokers that operate in all states. Various A rated or better carriers are used to place coverage.

Automotive Risk Management & Insurance Services, Inc.
1919 Grand Canal Blvd., Ste. C7
Stockton, CA 95207
Contact: Jerry Rogers
Phone: (800) 224-6363
Web site: www.armonline.com
An MGA/E&S broker that operates in all states with limits of $5 million. Target class is franchised auto dealerships. All carriers are A rated.

AVRECO Brokerage
550 West Van Buren St., 12th Fl.
Chicago, IL 60607
Contact: Linda Deiss
Phone: (312) 294-5475
Fax: (312) 803-2170
E-mail: ldeiss@avreco.com
Web site: www.avreco.com
An MGA/wholesaler operating nationwide with limits of $10 million. Will consider any class. Can offer E&O, GL, umbrella, property and D&O. Lloyd’s is the A rated carrier.

Bailey Special Risks, Inc.
P.O. Box 768
Hendersonville, TN 37077
Contact: Susan Superczynski, Jim Edwards
Phone: (800) 768-7475
Fax: (615) 264-3980
E-mail: submit@bsrins.com
Web site: www.bsrins.com
An MGA/E&S broker that operates in all states with limits of up to $50 million. Will consider all classes. Can offer third-party discrimination, tenant discrimination, and D&O. Carriers are Markel, Chubb, CNA, Evanston, St. Paul Travelers, Great American, USLI, Mt. Vernon, Houston Casualty, Lexington, and AIG.

BISYS Specialty Programs - Chicago
118 S. Clinton St., Ste. 450
Chicago, IL 60661
Contact: Doug Tobin
Phone: (866) 879-6565
Fax: (312) 879-1335
E-mail: EPLI@bisys.com
Web site: www.bisyscommercialins.com/programs.asp
An MGU operating in all 50 states (not admitted in all states) with limits of $500,000 to $3 million. Target markets are manufacturers, hospitality (hotels, restaurants, etc.), law firms, wholesalers, architects/engineers, franchises/association-sponsored accounts, and contractors. Classes not written are PEOs/employee leasing/temporary help, governmental entities, entertainment, schools/colleges/churches/church schools, casinos, securities brokers/dealers, social service agencies, and adult entertainment/nightclubs. Can offer full prior acts, third-party (discrimina-tion and harassment), punitive damages, and failure to make partner/shareholder. Has a specialized restaurant franchise program and a specialized law firm EPLI policy. The carriers are ACE USA, Illinois Union Insurance and Westchester Surplus Lines Insurance.

Bohrer, Croxdale & McAdoo, Inc.
P.O. Box 2760
Springfield, MO 65801
Contact: Vicki Cota, Debra Shelton
Phone: (800) 779-2550
Fax: (888) 869-2550
E-mail: vcota@bcmins.comdshelton@bcmins.com
Arkansas office
P.O. Box 1190
Conway, AR 72033
Contact: Clay Farris
Phone: (800) 594-5101
Fax: (800) 726-7707
E-mail: cfarrisbcm@conwaycorp.net
An E&S broker operating in AR, IL, KS, MO, OK and TN with limits of $100,000 - $5 million. Will consider any size of risk. Can offer prior acts, duty to defend, punitive damages, and third-party. Various A rated admitted and nonadmitted carriers are used to place coverage.

Capitol Special Risks, Inc.
1899 Powers Ferry Rd., Ste 100
Atlanta, GA 30339
Contact: Amanda Sedliak
An E&S broker that operates nationwide with unlimited limits. Will consider any class. Can offer tenant discrimination, D&O, EPLI, E&O, crime, and fiduciary. All carriers are rated A- or better.

Carnegie Insurance Services Corp.
348 Broadway Ave.
Cleveland, OH 44146
Contact: Scot Russell, Ext. 3223; Robert Wheatley, Ext. 3205
Phone: (800) 362-2411
Fax: (440) 439-5551
E-mail: srussell@carnegieinsurance.net rwheatley@carnegieinsurance.net
An E&S broker that operates in all states except LA with limits for nonprofit of up to $5 million (may not exceed the D&O limits) and up to $5 million for for-profit. Target classes are nonprofit up to 50 employees and for-profit up to 200 employees. Will not consider organizations with more than 200 employees. Can offer nonprofit D&O and corporate D&O. USLI is the A++ rated carrier.

Central Insurex Agency, Inc.
800 S. Washington St.
Van Wert, OH 45891
Contact: Kurt Muntzinger, Louise Pohlman
Phone: (800) 736-7131
Fax: (800) 736-7026
E-mail: kmuntzinger@central-insurance.com
Web site: www.central-insurex.com
An E&S broker that operates in IL, IN and OH with limits of up to $1 million. Target class is businesses with up to 750 employees. Will not consider bars/taverns or government entities. Evanston, Markel American, and Markel Insurance are the A rated admitted and nonadmitted carriers.

Delaware Valley Underwriting Agency, Inc.
420 S. York Rd.
Hatboro, PA 19040
Contact: Judy Klingerman, Charla Woodeshick, Buzz Harrison
Phone: (800) 388-0215
Fax: (215) 672-7983
E-mail: info@dvua.com
Web site: www.dvua.com
An E&S broker that operates in DE, GA, KY, MD, OH, NC, NJ, NY, PA, SC, TN, VA and WV with primary limits of $1 million and excess limits of up to $100 million. Will consider all classes. Carriers are both admitted and nonadmitted and are rated A- or better.

EIB
P.O. Box 4439
Sandy, UT 84091
Contact: Russ Sorenson, Nadine Guss, Missy Byrum
Phone: (877) 687-7342
Fax: (801) 304-5551
E-mail: russs@eibdirect.comnadineg@eibdirect.commelissab@eibdirect.com
Web site: www.eibdirect.com
An E&S broker that operates in all states with all limits. Will consider all classes. Prime (B-) is the carrier.

H&W Insurance Services, Inc.
P.O. Box 1085
Shawnee Mission, KS 66222
Contact: Bernard R. Geis
Phone: (800) 616-9475
Fax: (913) 432-1706
E-mail: bgeis@hwunderwriters.com
Web site: www.hwunderwriters.com
An MGA/E&S broker that operates nationwide with limits of up to $5 million. Will consider most classes. Will not write tobacco companies, hospitals, or labor organizations. Can offer D&O and insurance agents E&O. USLI (A++), Monitor Liability Managers (A+), and Philadelphia Insurance (A+) are the carriers.

H.R. Keller & Co., Inc.
1520 Sheridan Dr.
Buffalo, NY 14217
Contact: Alan Hall, Rob Martin, John Barton
Phone: (800) 424-2200
Fax: (716) 874-4920
E-mail: ahall@kellerandco.com
A general agent/wholesaler/E&S broker operating in CT, MA, ME, NC, NH, NJ, NY, OH, PA, RI, and VT with limits of up to $50 million. Will consider all classes. Can offer E&O and D&O. Various carriers are used to place coverage.

Harry W. Gorst
9310 Topanga Canyon Blvd.
Chatsworth, CA 91311
Contact: Evon Rios, Nancy Brown, Fran Locke
Phone: (818) 507-0900
Fax: (818) 507-1133
Web site: www.gorst.com
San Diego office
P.O. Box 87371
San Diego, CA 92138
Phone: (800) 437-6616
Fax: (800) 523-1638
An MGA/E&S broker that operates in CA only with limits of up to $5 million. Target class is 1 to 2,000 employees. Will not write unions. Can offer third-party discrimination, tenant discrimination, and franchise EPL insurance. Houston Casualty, Lloyd’s, Illinois Union, Evanston, and Philadelphia Indemnity are the carriers.

Hull & Company, Inc.
2150 S. Andrews Ave.
Ft. Lauderdale, FL 33316
Contact: Cynthia A. Zimmerman, Ext. 234
Phone: (800) 678-4855
E-mail: czimmerman@hullco.com
Web site: www.hullco.com
A wholesaler/broker that operates in all states with primary limits of $10 million (excess limits also available). Will consider all classes and sizes including law firms, restaurants, and hard-to-place accounts. Can offer third-party liability, E&O, professional liability and D&O. All carriers are rated A- or higher (admitted and E&S).

Insurance Innovators Group
P.O. Drawer 969
Glenside, PA 19038
Contact: Mary Fran Benussi
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. Can offer for-profit and nonprofit D&O. All carriers are A rated or better.

Izzo Insurance Services, Inc.
7234 W. North Ave.
Elmwood Park, IL 60707
Contact: Mike Jones
Phone: (800) 800-1704
Fax: (708) 452-1777
E-mail: mjones@izzoinsurance.com
Web site: www.izzoinsurance.com
An MGA/wholesale broker that operates in all states except HI with limits of up to $10 million. Will consider most classes but will not write nonprofit or social service organizations. Can offer workers comp. St. Paul Travelers, AIG, Hartford, CNA, and USLI are the carriers.

Jacobs & Associates
8227 Brecksville Rd.
Brecksville, OH 44141
Contact: Jim Jacobs, Beth Jacobs, Vince Momosor
Phone: (440) 838-1870
Fax: (440) 838-0742
Web site: www.jacobsnow.org
An E&S broker that operates in OH only with limits of up to $5 million. All classes are considered but target classes are medical, manufacturing, hotels and nonprofits. Can offer miscellaneous professional package. USLI, Markel, Evanston, and Houston Casualty are the carriers.

Johannes/Stoermer Co.
6238 Far Hills Ave.
Dayton, OH 45459
Contact: Al Stoermer
Phone: (800) 333-7394
Fax: (937) 433-5936
E-mail: al@stoermerco.com
Web site: www.stoermerco.com
An MGA that operates in KY and OH only with limits of $5 million. Will consider various classes. USLI/Mt. Vernon is the A++ rated carrier.

Karsanidi Group, LLC
635 Danbury Rd.
Ridgefield, CT 06877
Contact: Alex Karsanidi
Phone: (800) 277-5407
Fax: (203) 438-6124
E-mail: mail@karsanidi.com
Web site: www.karsanidi.com
An E&S broker that operates nationwide except for CA with limits of up to $5 million. Will consider all classes except law firms. St. Paul Travelers is the carrier.

M. J. Hall & Company, Inc.
709 N. Center St.
Stockton, CA 95202
Contact: Norm Amick
Phone: (209) 948-8108
Fax: (209) 465-0622
An E&S broker operating in AK, AZ, CA and NV with limits of $1 million and up. Can offer GL, EBL, property, package and umbrella. Various A rated carriers are used to place coverage.

M. J. Kelly Co., Inc.
4415 E. Sunshine
Springfield, MO 65809
Contact: Shawna Cooke, John Jennings, Heather Duffield
Phone: (800) 725-7211
Fax: (417) 883-7103
E-mail: scooke@mjkelly.comjjennings@mjkelly.comhduffield@mjkelly.com
Web site: www.mjkelly.com
An E&S broker that operates in AR, FL, IA, IL, KS, MO, MS, OK, TN, TX and UT with various limits available. Target markets are businesses with fewer than 100 employees. Will not write manufacturing and medical. Can offer D&O and GL. USLI and Essex are the A++ rated carriers.

Market Finders Insurance Corp.
9117 Leesgate Rd.
Louisville, KY 40222
Contact: Karen Cornett, Kathy Bronger, Gerri Warner
Phone: (800) 626-5660
Fax: (502) 426-7970
E-mail: kcornett@mfic.com, kbronger@mfic.com, gwarner@mfic.com
Web site: www.mfic.com
An E&S broker/MGA that operates in all states except AK, HI, KS, NJ, NM, NY and WI with limits of up to $5 million. Can offer D&O and HIPAA Privacy Act coverage. USLI (A++), Lloyd’s (A) and Evanston (A) are the carriers.

McLeckie Insurance Group
P.O. Box 770
Naples, TX 75568
Contact: Bill McLeckie and Jason McLeckie
Phone: (877) 905-9090
Fax: (903) 897-0062
E-mail: bill@mcleckie.com
Web site: www.mcleckie.com
An MGA/E&S broker that operates in CO, FL, LA, MS, OH, OK and TX with limits as needed. All classes are considered. Various carriers are used to place coverage.

Metcom Excess
127 S. Broadway
Nyack, NY 10960
Contact: Mark Gold
Phone: (845) 348-1544
Fax: (201) 641-6566
E-mail: mgold@metcomexcess.com
Web site: www.metcomexcess.com
An MGA/wholesaler that operates in CT, NJ, NY and PA with limits of $25 million and up. Target markets are hard-to-place, law firms, public, private, for-profit and not-for-profit. Can offer D&O. A rated carriers are Markel, Philadelphia, Houston Casualty, National Union, Lloyd’s and Colony.

Monitor Liability Managers, Inc.
2850 W. Golf Rd., Ste. 800
Rolling Meadows, IL 60008
Contact: David Aller
Phone: (847) 806-6590
Fax: (847) 806-6282
E-mail: info@monitorliability.com
Web site: www.monitorliability.com
An underwriting management company operating nationwide with limits of up to $10 million (varies by product). Will underwrite any size account and most types of companies and firms. Will not write financial institutions or insurance companies. Can offer liability coverage for D&O, employment practices, lawyers professional, management and nonprofit D&O. Carolina Casualty (A) and Admiral (A+) are the carriers.

NAS Insurance Services, Inc.
16501 Ventura Blvd., Ste. 200
Encino, CA 91436
Contact: Richard Robin
Phone: (818) 382-2030
Fax: (818) 382-2040
Web site: www.nasinsurance.com
An MGU and Lloyd’s correspondent operating nationwide with limits of up to $2 million. Will consider most risks. Will not write entertainment, religious or governmental entities. Can offer D&O, fiduciary liability, and miscellan-eous E&O. Lloyd’s is the A rated carrier.

National Insurance Professionals Corp.
1040 NE Hostmark St., Ste. 200
Poulsbo, WA 98370
Contact: Patrick Campbell, Derek Lucas
Phone: (800) 275-6472
E-mail: patrick_campbell@rpsvcs-prc.com
Web site: www.nipc.com
A program administrator operating nationwide with limits of up to $5 million. Target market is small to mid-sized employers. Will not write religious organizations or domestic staffs. Risk management services are included with each EPLI policy. Lloyd’s is the A rated carrier.

National Specialty Underwriters, Inc.
155 108th Ave., NE, Ste. 800
Bellevue, WA 98004
Contact: Brad Hatfield
Phone: (425) 450-1090
Web site: www.nsui.com
A program administrator/wholesaler operating nationwide with limits of: $1 million for 75 or fewer employees, up to $2 million for 76-150 employees, and up to $5 million for 151-300 employees. Target markets are hotels and casinos. Genesis Indemnity is the A++ rated carrier.

NIF Group/NIF Pro
30 Park Ave.
Manhasset, NY 11030
Contact: Deborah Dioguardi (NY), Deborah Christiansen (GA), Ed McGuire (PA)
Phone: (800) 892-8892
Fax: (516) 365-7392
E-mail: marketing@nifgroup.com
Web site: www.nifgroup.com
An E&S broker/MGA that operates in all states (admitted) and in the eastern U.S. (nonadmitted) with limits of up to $25 million. All risks considered; can be combined with D&O or stand-alone. All carriers are A rated or better.

Prime Insurance Syndicate, Inc.
P.O. Box 4439
Sandy, UT 84091
Contact: Any underwriter
Phone: (877) 243-8181
Fax: (877) 452-6910
E-mail: uda@primeis.com
Web site: www.primeis.com
An insurer operating in all states with all limits available. All risks are considered. Prime Insurance is a B- rated company.

Professional Liability Insurance Services, Inc.
8015 Bronco Lane, Ste. 100
Lago Vista, TX 78645
Contact: Underwriting Team
Phone: (800) 761-7547
Fax: (512) 327-5834
E-mail: underwriting@plisinc.com
Web site: www.plisinc.com
A program administrator operating in all states with limits up to $5 million/$10 million. Any class or professional occupation considered. Can offer trade name restoration/business interruption, miscellaneous E&O, and lawyers professional liability. Lloyd’s (A-) is the carrier for all except lawyers professional liability (admitted product) which is written through Service Lloyd’s (A-).

Quaker Special Risk
P.O. Box 415
Sea Girt, NJ 08750
Contact: Frank Walsh
Phone: (800) 447-4180
Fax: (732) 223-9072
E-mail: fwalsh@qsr-insurance.com
Web site: www.quakerspecialrisk.com
An E&S broker with limits of $5 million. Will consider all types of risks, from two employees to 5,000 employees. USLI, Markel, Lexington, Genesis and ACE are the carriers.

Robert A. Schneider Agency
5620 Smetana Dr., Ste. 225
Minnetonka, MN 55343
Contact: Steve Libor
Phone: (800) 832-6038
Fax: (952) 938-0701
E-mail: rs@rasinc.com
Web site: www.rasinc.com
An MGA/E&S broker that operates in IA, MN, ND, SD and WI with limits of up to $10 million. Will consider all risks, including D&O, E&O and GL. USLI (A++), Great American (A), Evanston (A) and Chubb (A+) are the carriers.

Rockwood Programs, Inc.
4001 Miller Rd.
Wilmington, DE 19802
Contact: Thomas Caputo
Phone: (800) 558-8808
Web site: www.rockwoodinsurance.com
An MGA/program administrator that operates nationwide with all limits available. Will consider all risks. Can offer coverage for all professional lines. Avemco (A+), Markel (A), Evanston (A), Houston Casualty (A+) and Lloyd’s are the carriers.

Roush Insurance Services, Inc.
P.O. Box 1060
Noblesville, IN 46060
Contact: Gail Pierce, Tony Armor
Phone: (800) 752-8402
Fax: (317) 776-6891
Web site: www.roushins.com
An MGA that operates in IL, IN and OH with limits of $1 million with excess available to the desired limit. All risks are considered. Also offers E&O, D&O, employee dishonesty bonds, property, liability and equipment breakdown. Scottsdale is the A+ rated carrier.

Russell Bond & Co., Inc.
295 Main St., Ste. 866
Buffalo, NY 14203
Contact: Tonya Hollederer, Ext. 133; Tony Ambrose (financial institu-tion risks only), Ext. 143
Phone: (800) 333-7226
Fax: (800) 677-6779
E-mail: thollederer@russellbond.com tambrose@russellbond.com info@russellbond.com
Web site: www.russellbond.com
An MGA/E&S broker that operates in CT, NJ, NY and PA with limits of $100,000-$10 million. All risks are considered. Coverage is written monoline or in conjunction with D&O, school board legal and public officials. Carriers used to place coverage are rated A- or better.

S. H. Smith & Co.
41 N. Main St.
West Hartford, CT 06107
Contact: Dennis Donovan, Mark Mullarkey, Lisa Brunelle
Phone: (860) 561-3600
Fax: (860) 561-3606
E-mail: tomc@shsmith.com
Web site: www.shsmith.com
An E&S broker operating nationwide with limits of $250,000 and up. All risks considered. Also offers D&O and E&O. A rated carriers are used to place coverage.

Southern Insurance Underwriters, Inc.
P.O. Box 105609
Atlanta, GA 30348
Contact: Dale Borer, Ext. 4651
Phone: (800) 844-1704
Fax: (678) 569-4133
E-mail: dborer@siuins.com
Web site: www.siuins.com
An E&S broker that operates in all states (mostly in the Southeast) with limits of up to $25 million. Will consider all risks. Can offer D&O and fiduciary liability. Carriers are A rated.

Stateside Underwriting Agency
29 S. LaSalle St., Ste. 530
Chicago, IL 60603
Contact: Richard Nowell
Phone: (312) 345-1800
Fax: (312) 345-1889
Web site: www.statesideunderwriting.com
An MGA operating nationwide with limits of $5 million. Will consider all risks. Can offer D&O and professional liability. Various carriers are used.

Swett & Crawford
21650 Oxnard St., Ste. 1400
Woodland Hills, CA 91367
Contact: Craig Rubin
Phone: (800) 262-6099
E-mail: info@swett.com
Web site: www.swett.com
An MGA/E&S broker operating in all states with limits of $10 million. All risks considered. Can write D&O, E&O, GL and trust liability. Multiple A- or better carriers are used.

Target Insurance Services
35 Tower Lane
Avon, CT 06001
Contact: Bob Drohan
Phone: (888) 888-1613
E-mail: rdrohan@target-capital.com
Web site: www.target-capital.com
An MGU operating nationwide with limits that vary by class of business. Target markets are staffing and recruitment firms, and miscellaneous E&O classes. Will not write medical firms. Can offer E&O, crime and package. Various A rated or better carriers are used to place coverage.

Tennant Risk Services, LLC
99 Pratt St., Ste. 200
Hartford, CT 06103
Contact: Charlene Bauer (860) 280-2141Marianne Nai (860) 280-2153Kim Byrd (860) 280-2150
Phone: (860) 527-9717
Fax: (860) 527-2438
E-mail: info@tennant.com
Web site: www.tennant.com
An E&S broker that operates nationwide with various limits. All risks are considered. Can offer tenant discrimination and third-party. Multiple A- rated or better carriers are used.

Victor O. Schinnerer & Co., Inc.
Two Wisconsin Circle
Chevy Chase, MD 20815
Contact: Kathy Curry
Phone: (301) 961-9800
Fax: (301) 951-5444
Web site: www.schinnerer.com
An MGU that operates in all states except AR, MN and WY with limits of $5 million. Target market is design professional firms. Will not write contractors. Can offer D&O, entity, fiduciary. CNA is the carrier.

W. H. Greene & Associates
400 Quaker Rd.
East Aurora, NY 14052
Contact: Bill Greene, Wil Cote, Mike LaMarca
Phone: (716) 805-1090
Fax: (716) 805-1099
E-mail: mail@whgreene.com
Web site: www.whgreene.com
An E&S broker that operates in NY state only with limits up to $10 million. Can offer school board legal liability, public officials liability and D&O liability. Various A- or better carriers (admitted and nonadmitted) are used to place coverage.

World Wide Facilities, Inc.
990 Stewart Ave.
Garden City, NY 11530
Contact: Dorothy Taylor, Peter Kalin, Michael Hayes
Phone: (800) 245-9653
Fax: (516) 222-2197
Web site: www.worldwidefacilities.com
An MGA that operates nationwide (does not offer EPLI in PA, TX or VA) with various limits. Target market is the staffing industry. Also offers E&O, GL, property, hired non-owned auto, employee benefits, commercial umbrella and fidelity bond. AIG is the carrier.

Yates & Associates Insurance Services
2100 E. Fourth St., 2nd Fl.
Santa Ana, CA 92705
Contact: Laurie Mann, Maria Guerra
Phone: (800) 660-1125
Fax: (800) 378-8588
Web site: www.yates-assoc.com
An MGA that operates in CA with limits of $1 million. Target markets are manufacturing, employment agencies, medical offices and restaurants. Can offer third-party coverage. Various A rated carriers are used to place coverage.

Zurich
One Liberty Plaza, 32nd Fl.
New York, NY 10006
Phone: (866) 860-7292
Web site: www.zurichna.com/managementliability
An insurer that operates nationwide with various limits. *