Special Section sponsored by

PROGRAM ADMINISTRATOR

London American Risk Specialists, Inc.

Key programs administered: energy, public entities, manufactured housing parks, transportation, and D&O for nonprofit and for-profit organizations

Focusing on administering niche business programs, London American Risk Specialists, Inc., has a working relationship with roughly 750 independent insurance agents and brokers nationwide. Generally its programs are designed to meet the needs of small business classes.

Among the niches for which London American differentiates itself from the competition are businesses closely related to public entity enterprises. Nationally targeted areas include manufactured housing parks programs, social service, and energy.

London American’s Chairman and CEO, Brady Carruth, characterizes his company as “…having MGA underwriting contracts designed to meet the needs of most classes of small businesses. We have the expertise and experience to deliver innovative, cost effective solutions through a wide array of underwriting and brokerage facilities.”

Independently owned and operated, London American Risk Specialists—in business now for the past 25 years—is headquartered in Houston, Texas. The firm has a full service Dallas, Texas, office where Vice President Dick Davis is branch manager and Mike Mullens serves as underwriting department program manager. Tom Eller, in Dallas, manages the company’s public entity liability operation.

Zane Carson is a key executive serving with Brady Carruth in Houston. Ms. Carson is London American’s vice president of marketing.

“These people,” says Carruth, “understand our business very well. They can create programs, they know their markets and their customers, and I’m proud to say they clearly help us to stand out in the marketplace.”

Of special interest to potential program business partners is London American’s expertise in:

• General liability
• Commercial property
• Inland marine
• Transportation packages: cargo, physical damage, trucking liability
• Small business packages
• Social service for-profit and nonprofit D&O
• Garage liability
• Utility district programs

London American’s coverages are available for a substantial range of small businesses, including: artisan contractors, churches, day care centers, dry cleaners, home builders, landscapers, paint and body shops, pest control firms, restaurants and bars, trade schools, and truckers. “These are very important main street-type accounts to us where, with binding authority, we handle both general liability and property,” notes Carruth.

On large property accounts London American’s target markets are habitational properties, hotels/motels, manufacturing, restaurants and bars, retail strip centers, woodworking operations, independent school districts, tenant dwelling, high-value homeowners, on-shore drilling rigs, and municipal and other government risks.

For its professional liability business, London American is recognized for writing D&O for nonprofit and for-profit enterprises and for computer consultants, public officials, public officials’ liability, and miscellaneous liability for accountants, attorneys, architects and engineers, real estate agents, third party administrators, management consultants, mortgage brokers, and title agents and abstractors.

Because of the wide variety of niche businesses handled by the Target Markets Program Administrators Association’s (TMPAA) member firms, London American Chairman Carruth salutes the association for its capacity to bring the insurance industry’s program business practitioners together. “Target Markets’ national meetings and the high tech communications available to its members for networking are what make membership in the association so worthwhile. I know that London American Risk clearly benefits from being a Target Markets member.”