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Special Report: War Overtakes Civil Unrest as Top Political Violence Exposure for Global Businesses
Program Directory, Summer Edition
Workers’ Comp Calendar Year Combined Ratio at 91; Accident Year Combined Ratio 102: NCCI
Fostering Optimal Program Relationships
Is It Covered?: The Danger of Relying on the Insurance of Others
The Competitive Advantage: The Shifting Composition of Reliable Carriers
Geopolitical instability, economic uncertainty, and technological disruption are raising boardroom concerns when it comes to risk and insurance.
That’s according to Worldwide Broker Network’s (WBN) “New Risk Reality Report,” which said that “resilience” has become a competitive advantage.
“As organizations navigate uncertainty, risk management has never been more mission critical, yet it remains one of the most misunderstood and undervalued levers of corporate resilience,” said Olga Collins, CEO of the independent insurance broking and employee benefits network, in the report. “Having the right risk strategy can make the difference between reacting to disruption and confidently shaping the future.”
Some 45% of the 1,750 C-suite leaders surveyed listed risk management as the second most critical driver of corporate resilience. And it’s more than just managing exposures. The leaders said they look at insurance as an integral part of resilience rather than just an “unavoidable expense” for some protection. Nearly 9 in 10 said they expected insurance to become increasingly strategic over the next three years.
As risks grow in scale and complexity, traditional insurance models have become strained, and the expectations of brokers are evolving as businesses need deeper insight, clearer value and a more proactive role from their broker partners, the WBN report said.
The survey also asked for more detail related to evolving risks and insurance challenges and found:
• Cybersecurity ranks as the top business risk (48%), followed by AI disruption (40%) and talent shortages (20%).
• 47% said rising premiums are their biggest insurance concern.
• 43% reported cyber coverage gaps amid escalating digital threats.
• 40% highlighted capacity constraints in natural catastrophe markets.
‘As organizations navigate uncertainty, risk management has never been more mission critical, yet it remains one
of the most misunderstood and undervalued levers of corporate resilience.’
These pressures are accelerating demand for more flexible, data-driven, and globally coordinated risk solutions, the report said. Despite current challenges, the survey found a positive picture of risk management within organizations, with 93% of business leaders describing it as having a good reputation.
“The top factor that would most improve this further is stronger, more trusted and consultative relationships,” the report noted.
The study, which surveyed more than 1,700 senior business executives across the U.S., United Kingdom, Canada, France, Germany, and Spain, was independently commissioned by Worldwide Broker Network, in partnership with MarshBerry.
“The findings point to a clear conclusion: as global uncertainty deepens, organizations are entering a new era where resilience is a competitive advantage and where risk and insurance strategy play a defining role in long-term performance,” added John Wepler, CEO of MarshBerry, who contributed to the report.
| jcarlson@insurancejournal.com
ADMINISTRATION / CIRCULATION
Chief Financial Officer Terry Freeburg | tfreeburg@wellsmedia.com
Circulation Manager Elizabeth Duffy | eduffy@wellsmedia.com
Staff Accountant Sarah Kersbergen | skersbergen@wellsmedia.com
EDITORIAL
V.P. of Content
Andrea Wells | awells@insurancejournal.com
Executive Editor Emeritus
Andrew Simpson | asimpson@wellsmedia.com
National Editor Chad Hemenway | chemenway@insurancejournal.com
Southeast Editor
William Rabb | wrabb@insurancejournal.com
South Central Editor/Midwest Editor Ezra Amacher | eamacher@insurancejournal.com
West Editor Don Jergler | djergler@insurancejournal.com
International Editor L.S. Howard | lhoward@insurancejournal.com
Content Editor Allen Laman | alaman@wellsmedia.com
Assistant Editors
Jahna Jacobson | jjacobson@insurancejournal.com
Kimberly Tallon | ktallon@carriermanagement.com
Columnists & Contributors
Contributors: Scott Freiday, Tyler Hamilton
Columnists: Chris Burand, Bill Wilson
SALES / MARKETING
Chief Marketing Officer
Julie Tinney | jtinney@insurancejournal.com
West Sales
Dena Kaplan | dkaplan@insurancejournal.com
Romeo Valdez | rvaldez@insurancejournal.com
Kelly DeLaMora | kdelamora@wellsmedia.com
South Central Sales
Mindy Trammell | mtrammell@insurancejournal.com
Southeast and East Sales (except for NY, PA, CT) Howard Simkin | hsimkin@insurancejournal.com
Online Training Coordinator George Jack | gjack@ijacademy.com
Philadelphia Insurance Companies provides expertise in fulfilling a wide range of special insurance needs to educational institutions, including coverage for private, academic, vocational and charter schools. PHLY offers separate limits for General Liability, Educators Professional and Cyber Liability, Abuse & Molestation. Learn more. Experience the PHLY difference.
News & Markets
US Personal Lines Insurers Ask for Less Rate After Period of Catch-Up
By Chad Hemenway
It appears as though auto and home insurers have caught up, appropriately matching premium to risk in their portfolios. According to a new report from insurance industry rating agency AM Best, rate increases for homeowners and private passenger auto insurance dropped in 2025 following several years of significant rate increases as insurers’ underwriting profits wound up in the red. In 2025, the average approved rate increase for homeowners insurance was 8.3% compared with 13.5% in 2024. For auto, rates went up 3.7% in 2025 versus up 9.7% in 2024.
For five of the six years from 2018 to 2023, homeowners insurers netted underwriting losses, but 2025 results “showed continued improvement as the industry produced an underwriting profit of more than $16 billion for the homeowners line, the first such profit in five years,” thanks to no hurricane landfalls and a “more willing” reinsurance market, AM Best said.
The graph on the top right shows average direct loss ratios and the average approved rates for 10 states with the highest 2024 homeowners direct premiums written, representing about 54% of the homeowners market. Lower direct loss ratios reflected better catastrophe management, tighter underwriting, and adjusted risk appetites, AM Best said.
In auto, carriers’ “refined underwriting techniques and technological enhance-
ments” were credited in improving loss and expense ratios to reduce the need for large rate increases. Auto insurers in the
aggregate recorded an underwriting gain of nearly $29 billion in 2025 after a loss of nearly $17 billion just two years prior.
$7,500
The threshold of work that can be done on residential property in Florida without a permit, beginning July 1. Governor Ron DeSantis has signed House Bill 803 into law, dropping building permit requirements for construction work valued at $7,500 or less. The exemption does not apply to property in a flood hazard area.
7 million
The number of unaddressed backup camera recalls in the U.S., according to CARFAX data. Unfixed recalls on backup camera systems can reduce driver visibility and increase the risk of a crash.
The percentage ransomware attacks rose last year, according to cyber insurance MGA Cowbell’s 2026 claims report. However, ransom payments fell by roughly 44% between 2022 and 2025. The firm attributed the payment decrease to stronger negotiation strategies and more effective claims handling. According to Stephanie Hewerdine, the MGA’s director of claims, the drop is also being driven in part by increased preparedness among insureds.
$150 billion
The amount new analysis suggests Americans are being overcharged annually to insure their homes, autos, and businesses. The analysis by the Vanderbilt Policy Accelerator obtained exclusively by The Associated Press details how insurers are paying out less on claims after an accident, natural disaster, or other misfortune than they did decades ago. For every $1 collected in premiums, insurers reimbursed 62 cents for claims in 2024, down from an average loss ratio of 80 cents in the 1980s and 1990s.
Declarations
“Well technically, I could. It’s within my remit as a Doctor.”
— AI chatbot “Emilie,” which allegedly told a male investigator posing as a patient with depression that she was licensed to practice psychiatry in Pennsylvania, as well as in the United Kingdom, and provided a bogus license number. In a complaint filed in the Commonwealth Court of Pennsylvania, the state said it found chatbots on Character. AI that claimed to practice medicine. The findings followed the creation in February of a state AI task force to stop chatbots from impersonating licensed medical professionals.
FEMA Findings Released
“Emergency managers have been waiting for these recommendations for more than 16 months. This is a pivotal moment—not only for FEMA, but for every state, local, tribal, and territorial emergency manager who depends on a strong federal partnership before, during, and after disasters. The implementation phase will ultimately determine the success of these reforms and their impact on communities nationwide.”
— Carrie Speranza, former chair of FEMA National Advisory Council, a now-disbanded group of experts that advised the agency on all aspects of emergency management, speaking on FEMA’s most recent reporting.
Texas vs. Netflix
“Netflix’s endgame is simple and lucrative: get children and families glued to the screen, harvest their data while they are stuck there, and then monetize the data for a handsome profit. When you watch Netflix, Netflix watches you.”
— A complaint filed in a state court in Collin County, near Dallas, against streaming service Netflix by Texas Attorney General Ken Paxton, who accused the streaming company of spying on children and other consumers by collecting their data without consent, and designing its platform to be addictive. Paxton said Netflix’s alleged surveillance violates the Texas Deceptive Trade Practices Act.
USDA Trust Falls
“I don’t trust the data, I don’t trust the process, I don’t trust their people. And they monkey with my business.”
— Iowa farmer Ben Riensch, who says the USDA’s various surveys are too arduous and the markets often slump after the corresponding reports are released, affecting what they get paid for their crops. Reply rates for the USDA’s annual prospective planting report sank in March to a record low, with just over a third of 73,800 farm operations surveyed answering questions on the acres they will plant this spring. That compares with about 60% of farmers responding in 2018, with replies declining each year since.
AI Firefighters
“Earlier detection means we can launch aircraft and personnel to it and keep those fires as small as we can.”
— John Truett, fire management officer for the Arizona Department of Forestry and Fire Management, discussing the state’s new AI firefighting efforts. Arizona Public Service has nearly 40 active AI smoke-detection cameras and plans to have 71 by summer’s end, and the state’s fire agency has deployed seven of its own. Another utility, Xcel Energy in Colorado, has installed 126 and aims to have cameras in seven of the eight states it serves by year’s end.
Florida PIP in Effect
“Nothing happened with PIP this year.”
— Lisa Miller, former Florida deputy insurance commissioner. Despite online rumors to the contrary, PIP is still required for Florida drivers. Florida lawmakers in recent years have considered repealing the personal injury protection, or PIP, law. But it passed the Legislature only once, in 2021, when Gov. Ron DeSantis famously vetoed the bill. Bills introduced in the 2025 and 2026 legislative sessions died in committee. PIP law, a no-fault plan that began in Florida in 1971 and is found in only a handful of other states, discourages lawsuits and, to some degree, hinders auto insurance fraud.
Doctor Bots
News & Markets
Travelers: Aging Workforce, New Employees Drive Complexity in Injury Claims
By Ezra Amacher
Recovery times for injured workers are growing longer even as workplace injury rates decline, according to a new report from Travelers.
Travelers’ 2026 Injury Impact Report found injuries to employees aged 60 and older are more severe, carrying recovery times of 97 days—more than two weeks longer than the overall average. Older employees are susceptible to fractures and dislocations, which take longer to heal.
Slips, trips, and falls are the leading causes of expensive injury claims (those exceeding $250,000) for all employees, but particularly those aged 60 or above, the
report found, causing approximately 40% of all injuries to older employees.
On the other end of the workforce, first-year employees generate more than one-third of all injuries despite accounting for a smaller share of the workforce. New employees represent approximately half of all injuries in restaurants, 46% in small businesses, and 44% in construction.
“The decrease in workplace injuries is a positive story, yet injured workers are still missing an average of 80 workdays,” said Claude Howard, vice president of workers’ compensation claims at Travelers. “This report is a reminder that progress doesn’t mean the risk environment requires any less attention, and an employer’s com-
mitment to safety must keep pace with an ever-evolving workforce and injury landscape.”
The report analyzed more than 1.2 million workers’ compensation claims Travelers received between 2021 and 2025. The findings were based solely on indemnity claims, which occur when an employee can’t immediately return to work and incurs medical expenses.
Employees in the 35-49 age group accounted for 31% of injuries, followed by 50-59 (24%) and 25-34 (19%).
Construction had the most lost workdays of any industry at 114 days. The most severe injuries in construction were spinal cord injury, amputation or severe crush injury, traumatic brain injury, and severe burns.
Transportation accounted for the next-highest number of lost workdays (94), followed by professional services (77) and manufacturing (76).
Travelers recommends employers focus on three areas to improve workplace safety:
• Protect new hires by identifying workplace risks, improving safety controls, and defining safe work practices.
• Build a culture of trust where workers feel valued and are encouraged to take part in defining the safety process.
• Prepare for injuries before they happen by implementing structured response and return-to-work plans that support employees throughout recovery.
US Sees 27% Increase in Product Recalls in Q1, Report Shows
U.S. product recall activity remained elevated in the first quarter of 2026, a new report shows.
Sedgwick’s quarterly Product Safety and Recall Index shows the volume of defective products recalled across five U.S. industries rose 27% quarter-over-quarter to 492 million units in Q1 2026.
That rise is despite the number of recall events falling 10.5% to 785 in the first quarter from 877 events in Q4 2025.
According to the report, the data indicate that while fewer recalls were announced overall, the scale and impact of individual events continued to intensify.
Sedgwick’s report examines recall activity affecting the U.S. automotive, consumer
products, food and drink, pharmaceutical, and medical device industries.
According to the report, the consumer products sector was the only industry to record an increase in recall events, rising 14.5%.
The sector also saw an 347% increase in recalled units quarter-over-quarter.
The automotive sector had its highest quarterly total in two years with about 12.2 million units recalled, while the pharmaceutical sector reached a four-year high with about 218.8 million units impacted.
In the food sector, recalls regulated
by the U.S. Department of Agriculture accounted for 37.1 million pounds of product, the third-highest total in more than two decades, the report found.
The report also analyzed what’s ahead for businesses, including new regulations and global events.
“In the first quarter of 2026, the conflict with Iran drove oil prices up, which had a ripple effect on the cost and availability of certain goods,” said Sedgwick. “Restrictions on shipping routes also impacted supply chains, including fertilizer for growing crops, which could have a long-term impact on food prices.”
Workers’ Comp Calendar Year Combined Ratio at 91; Accident Year Combined Ratio 102: NCCI
By Andrea Wells
U.S. workers’ compensation net written premium decreased 0.2% in 2025, according to the National Council on Compensation Insurance (NCCI).
NCCI reported that while the calendar year 2025 combined ratio for workers’ compensation is 91 (compared with 86 the prior year), the workers’ comp accident year 2025 combined ratio is 102 with prior years continuing to experience downward reserve development.
The annual State of the Line Report analyzed U.S. private workers’ comp carrier data from the 38 states served by NCCI.
NCCI said it’s the 12th consecutive year where the workers’ comp calendar year combined ratio measured below 100, an indication of the line’s overall profitability. However, there are important differences to consider when gleaning the data, including state mix and industry mix as well as operational results, said Donna Glenn, chief actuary at NCCI, when releasing the results.
The last time the accident year combined ratio jumped above 100 was the “Covid” years, according to Glenn. She said the rise in 2025 accident year combined ratio is not surprising, adding that California, which accounts for 20% of the workers’ comp industry, reported a 2025 accident year combined ratio of 129. California has reported accident year combined ratios over 100 for the past five years, she said, and is influencing countrywide accident year combined ratios overall.
The NCCI report also revealed that lost-time claim frequency declined by 2% in 2025, a slower pace of decline than the long-term average. However, workers’ comp claim severity in 2025 grew, with increases of 4% for both medical claim severity and indemnity claim severity.
“Frequency continues to decline, severity is nuanced but explainable, and industry and state mix matter,” Glenn said.
Will there be a turn in frequency?
Glenn said NCCI does not see a turn in frequency occurring “systemically” and explained that there are unique reasons that are contributing to upticks in frequency in individual state results, such as increases in tourism and hospitality. She also noticed differences when looking at industry mix.
For example, the rate of frequency decline for the construction industry outpaces all of the other industries when reviewing lost-time claim frequency. That trend has held since 2015 and overall has seen a frequency decline of nearly 40%. However, healthcare remains a higher frequency industry, she said, noting that while healthcare has generally decreased over time, the rate of frequency has ticked up over the last year. Glenn said this trend could be due to the uptick in employment over the past few years. “Newer employees with less experience generally have a higher incident rate,” she noted.
“There’s not a single number that defines the workers’ compensation system,” Glenn said. “Behind this year’s combined ratio of 91, factors such as industry mix, state differences, and carrier variation are all shaping results.”
Report highlights:
• The workers’ compensation combined ratio increased 5 points from 86% for CY 2024 to 91% for CY 2025. The change is due to increases in the loss and underwriting expense ratios.
• NCCI estimates a redundant industry reserve position of $14 billion. That’s a decrease from the $16 billion estimated redundancy in 2024. This is the second consecutive year with a slight reduction in the estimated redundancy.
• NCCI-serviced workers’ comp residual market share has been declining since 2014 and remains at about 5%.
• 2025’s frequency decline is more moderate compared to the long-term average. This decrease is predominantly due to reduction in the number of claims.
• Indemnity severity grew at a similar rate to wages, and medical severity grew faster than the Workers Compensation Weighted Medical Price Index (WCWMI). For medical, price is only one part of the story, NCCI said. The other part is utilization. The variation in medical costs can be attributed to utilization and could signify the underlying claim mix is changing.
People
National Markel, the insurance operations within Markel Group Inc., appointed Raphael Da Costa to lead its U.S. cyber and tech E&O portfolio. Da Costa oversees Markel’s U.S. cyber and tech E&O underwriting strategy, portfolio management, and product development. Da Costa joined Markel in 2023 and most recently led the strategic development and execution of U.S. cyber and technology E&O insurance products for middle market risks. Markel is headquartered in Richmond, Virginia.
accounts division as national private client practice leader. With over 15 years of industry experience, Kerr will serve as the central underwriting authority for Brown & Riding’s private client practice, shaping facility design, appetite, and underwriting approach.
East
CRC Group added several members to its growing Specialty team.
AJ Cruz joined CRC Specialty as a broker and assistant vice president aligned with CRC’s Chicago, Illinois, office. Cruz is based in Temecula, California.
2013 to 2017, was appointed to a five-year term beginning October 1, 2025. Williams serves as vice president of The ELOCEN Group, LLC.
leadership roles across marketing, underwriting, claims, loss control, customer service, and operations, most recently serving as executive vice president and chief operating officer (COO).
Ryan Specialty Underwriting Managers (RSUM), the underwriting management division of Ryan Specialty, appointed Amber Anthony as president of US Assure. Anthony will continue to oversee marketing, sales, and distribution in her ongoing capacity as president and chief marketing officer.
Anthony joined US Assure in 2013 and helped shape the organization’s marketplace presence and growth agenda. With this promotion, Alan Ferguson, CEO of US Assure, separates president from his title.
US Assure also appointed Steve Bristow as chief operating officer, Rachele Holden as chief underwriting officer, and Jay Yuskis as chief information officer.
Brown & Riding, headquartered in Dallas, Texas, hired Courtney Kerr to its underwriting and select
Alec Davidson joined as a property broker based in Scottsdale, Arizona. He has a background in business development and distribution strategy.
Ryan Mallory joined CRC Specialty as an underwriter near Richmond, Virginia. He has experience in business development and client engagement and a background in sales and market analysis.
The Maryland Senate has confirmed the appointments of four members to the Maryland Automobile Insurance Fund Board of Trustees
Steven D. Linkous was reappointed to serve the remainder of a five-year term that began on October 1, 2025. Linkous is president and chief executive officer of Harford Mutual Insurance Group.
Enor R. Williams Jr., who previously served on the Maryland Automobile Insurance Fund Board from
Veronica Cool and Jill Hall were each appointed to fiveyear terms beginning October 1, 2026.
Cool is the founder/CEO of Cool & Associates LLC, a consulting firm focused on community engagement and strategic communications.
Hall, MBA, CFP, is president and CEO of Landmark Insurance & Financial Group, Inc., a full-service agency providing insurance and investment planning.
Pennsylvania Lumbermens Mutual Insurance Company (PLM), headquartered in Philadelphia, made several executive leadership changes and promotions across the organization.
Steve Firko, CPCU, a PLM veteran of over two decades, assumed the role of president.
He succeeds John K. Smith, CPCU. With over 27 years of experience at PLM, Smith will continue in his role as CEO.
Firko, who has 40 years of industry experience, joined PLM as a field manager and ascended into a variety of
Lindsey N. DiGangi, CPCU, was promoted to senior vice president and COO, succeeding Firko. Previously serving in leadership roles across several departments, she will now oversee underwriting, field operations, loss control, marketing, customer service, operations and agency operations (Green Tree Risk Partners).
BJ Gardner was promoted to assistant vice president (AVP) of information technology. He most recently served as director of IT and brings nearly 20 years of experience at PLM across systems architecture, infrastructure, and technology operations.
Ray Rogers was promoted to AVP of claims. He previously served as director of property claims and has more than two decades of experience at PLM, progressing through multiple claims roles since joining the company in 2001.
Southeast Memphis-based Sunstar Insurance Group, an
Raphael Da Costa
Enor R. Williams Jr.
Veronica Cool
Lindsey N. DiGangi
Steven D. Linkous
Steve Firko
BJ Gardner
Ray Rogers
independent brokerage operating in nine states, named Adam Meyerowitz as CEO. Meyerowitz co-founded Prime Risk Partners brokerage in 2014 and served as chief operating officer after the firm was acquired by EPIC Insurance Brokers & Consultants in 2019, the company said in a news release. Meyerowitz succeeds Casey Bowlin, who founded the firm in 2013 and will now move into the role of chairman.
Gainesville, Florida-based King Risk Partners named Arne Gabrielsen and Chris Hofmann to its leadership
team. Gabrielsen will be national sales leader, and Hofmann will be regional president for the Mid-Atlantic region, the company announced.
Gabrielsen was a market relations leader at Gallagher Insurance and before that was an agency president and sales leader in Pittsburgh. Hofmann also worked at Gallagher as executive vice president and regional sales leader.
North Carolina’s insurance commissioner has named a financial analysis veteran to the role of senior deputy commissioner, overseeing the Company Services Group at the Department of Insurance Jessica Price has led financial analysis at NCDOI for 15 years,
and before that was a tax auditor at the state Department of Revenue. The Company Services Group includes the DOI’s Financial Analysis Division, the Financial Examinations Division, and Financial Oversight and Special Entities divisions.
South Central
he led underwriting strategy, growth initiatives, and broker relationships.
Brian Voorhees joined Novatae Risk Group, the wholesale insurance business of World Insurance Associates, as managing director of personal lines. Voorhees most recently directed day-to-day operations for Applied Home National Underwriters, where
Ashley Lefebvre joined Alliant Insurance Services as vice president within its employee benefits group in Houston, Texas. She will serve a national client base. Lefebvre has extensive experience in plan design, risk assessment, and process improvement. Prior to joining Alliant, Lefebvre was regional vice president, small business at Gallagher.
Midwest
Brotherhood Mutual Insurance Company, headquartered in Fort Wayne, Indiana, made several changes
continued on page 19
Adam Meyerowitz
Jessica Price
Business Moves
National
Howden, Cybeta LLC
Howden acquired the intellectual property assets of Cybeta LLC, a cyber data and analytics provider. Terms of the deal were not disclosed.
Cybeta was founded in 2019 by a team of data science experts with experience in the U.S. Department of Defense and intelligence communities.
Former members of Cybeta’s team will join Howden. The acquisition bolsters Howden’s U.S. cyber practice, launched at the start of the year.
Midwest
ALPS Insurance, OBLIC
The Ohio State Bar Association and ALPS Insurance announced that they have entered into a definitive agreement under which ALPS will acquire the Ohio Bar Liability Insurance Company (OBLIC), a leading provider of professional liability insurance for attorneys in Ohio.
OBLIC was founded by the Ohio Bar in 1978 to serve the professional liability needs of Ohio attorneys at a time when few insurers provided legal malpractice insurance. Since then, it has grown to have a statewide policyholder base.
TWFG, Fortress Insurance Services
TWFG acquired Fortress Insurance Services, adding four new agencies.
Fortress Insurance Services expands TWFG’s local market capabilities across personal and commercial insurance lines.
This acquisition combines APIA’s specialization in the MGA space with TWFG’s expansive platform, resources, and growth infrastructure.
Shannon DeLaune, along with the entire APIA team, will remain in place.
Inszone Insurance Services,
Smith & Company Insurance Inc.
Inszone Insurance Services acquired Smith & Company Insurance Inc., Arkansas based agency with roots dating back to 1904. Smith & Company is co-owned by Mark Smith, Drew Higginbothom, and William Smith.
Smith & Company Insurance developed an aviation division and is entrenched in the commercial agriculture space, alongside writing policies for multiple banks throughout the region.
Inszone Insurance Services, Kevin Taylor Insurance Agency LLC
Inszone Insurance Services acquired Kevin Taylor Insurance Agency LLC. Operating as Taylor Insurance Agency, the firm brings a personal lines portfolio to the Inszone umbrella, further expanding its footprint in San Antonio, Texas.
Originally founded in 2011 as a captive agency, Taylor Insurance Agency transitioned to a fully independent insurance agency model in January 2014.
West
Orion180 Insurance Opens Service Center in Utah
Orion180 Insurance is opening a new service center in Salt Lake City, Utah. The office will serve as a hub for customer experience, inside sales, claims intake, and technology support operations. The expansion is Orion180’s third major facility. Orion180 recently expanded across Texas, Florida, and California. The Salt Lake City office will operate in conjunction with Orion180’s Melbourne, Florida, headquarters.
Orion180 operates as a surplus lines insurance company serving Alabama, California, Florida, Georgia, Massachusetts, Mississippi, North Carolina, South Carolina, Texas, Colorado, Illinois, and Arizona. Additionally, it operates as an admitted insurance company offering coverage in Alabama, Arizona, Georgia, Indiana, Mississippi, North Carolina, and Ohio.
LP Insurance Services, Van Noy Consulting Group
LP Insurance Services acquired the employee benefits consulting practice of Van Noy Consulting Group in Nevada. The deal includes the addition of Terry Van Noy as an employee benefits consultant.
Van Noy has more than five decades of leadership and consulting experience across health insurance, managed care, and employee benefits.
Reno, Nevada-based LP Insurance Services is an employee-owned risk management, insurance services, and employee benefits firm with offices in Nevada, California, New Mexico, and Arizona.
Trucordia, Richardson Insurance
Trucordia acquired the assets of Richardson Insurance in Idaho.
Richardson Insurance is a personal and commercial lines firm founded in 1988 by Randy Richardson.
Lindon, Utah-based Trucordia is the group name for a group of companies that offers an array of commercial and personal lines, life and health, and employee benefits insurance services.
People
continued from page 17 to its executive team.
Scott Figgins assumes a new role as senior vice president – integration officer. He previously served as senior vice president – insurance operations since 2018. Figgins began his career with Brotherhood Mutual in 1989 as a claims adjuster. He has served in many roles, including claims supervisor, vice president – claims, and vice president – underwriting.
Dustin Grogg was promoted to senior vice president –insurance operations. Grogg previously served as vice president – underwriting since 2020. He was assistant vice president – underwriting prior to that. Grogg joined the company as director of
underwriting, product quality and development in 2016.
Erica Smith was promoted to vice president – underwriting. Her previous position was assistant vice president –underwriting operations since 2024. Smith joined the company as an underwriting manager in 2022. She has also served as director of underwriting product and quality development.
Barrett Leahy was promoted to assistant vice president –underwriting operations. Leahy previously served as director of risk control since 2025. Leahy has worked in the insurance industry for 35 years.
Assurex Global, headquartered in Columbus, Ohio, named Troy Johnson senior vice president, global
growth strategy. Johnson joined the organization in 2023 and has over 25 years of risk and insurance brokerage experience, previously serving as regional sales director at Towergate Insurance Brokers and development director at Griffiths & Armour.
Kshitij Kohli joined Society Insurance as vice president of information technology. Kohli will lead Society’s technology strategy and execution, including core systems, infrastructure, cybersecurity, and technology investments. Kohli has extensive experience leading enterprise-wide technology transformation, most recently serving as chief technology officer at Church Mutual Insurance.
West
Affordable American Insurance LLC, headquartered in Westminster, Colorado, named Eddie Floyd to AAI’s leadership team as president of its retail agency division. Floyd has over 25 years of insurance leadership experience, most recently serving as chief operating officer and partner at The Plexus Groupe.
Denver, Colorado-based Rachel McCarter joined Alliant Insurance Services, headquartered in Irvine, California, as vice president within its employee benefits group. Prior to Alliant, McCarter was a senior principal with a global employee benefits consulting firm.
Special Report: Political Risk
War Overtakes Civil Unrest as Top Political Violence Exposure for Global Businesses
By L.S. Howard
War has overtaken civil unrest as the political violence exposure that companies fear most, as conflicts in Europe and the Middle East disrupt global trade flows, strain political alliances, embolden adversarial powers, and heighten risks to business assets, according to the 2026 Allianz Risk Barometer.
War was identified as the political violence exposure most feared by companies, surpassing civil unrest to garner 53% of the votes in the 2026 Allianz Risk Barometer, climbing from 48% in 2025. Allianz noted political risk and violence climbed to number seven in the Risk Barometer, its highest position ever (compared to number 9 in 2025).
Allianz said this finding means these
perils have joined other mainstream business risks as the world faces “one of the most volatile geopolitical periods in our history since the end of World War Two.”
Allianz released its 2026 Risk Barometer in January and published on May 19 a new report, titled “Political violence and civil unrest trends 2026,” which focuses on one section of the January report. The Risk Barometer tracks the most important corporate concerns for the year ahead, as voted for by risk management experts from almost 100 countries and territories.
Around 60% of respondents from Europe and Asia-Pacific see war as the top political risk and violence exposure, while civil unrest ranks number two globally (at 49%), and terrorism/sabotage is ranked number three (46%).
In the Americas, civil unrest is ranked
as the top political risk and violence exposure by 64% of survey respondents, with war coming in at fifth place (ranked by 29% of respondents). Civil unrest also is a top concern in countries such as India (60%), Colombia (76%), and France (where it has soared to 82%).
In addition, more than half of smaller companies (with less than $100 million of revenue) rated civil unrest as their top political violence concern, Allianz continued.
Allianz Research tracked around 250 reported strikes, riots, and civil commotion (SRCC) events over the past five years with event participation exceeding 1,000 people and lasting for more than one day. The analysis revealed that Pakistan experienced the most events, followed by Indonesia. Allianz noted that other countries with a high number of SRCC events
include the U.S., Greece, Tunisia, Hungary, Iran, and India.
The U.S.-Iran conflict also could lead to heightened risk of strikes, riots, and civil unrest, “particularly in countries heavily reliant on Middle Eastern oil and gas,” Allianz explained. “Nations with robust mechanisms to manage food and fuel price shocks may mitigate these risks, while others face elevated threats of rationing, unrest, and looting.”
“With geopolitical upheaval, economic pressures, and social media all amplifying the threat of political violence, the potential fallout can lead to substantial economic and insured losses, challenging businesses and their insurers,” the report said.
The pattern of protests and violence in recent years has clearly shown that some industries and occupancies are much more vulnerable to the full spectrum of political violence perils, but any organization can be affected, Allianz said in a press release accompanying the report.
Rising Demand for Political Violence Insurance
The U.S.-Iran conflict and rising geopolitical volatility is likely to have a significant impact on risk mitigation going forward, accelerating demand for political violence and terrorism (PVT) insurance as well as coverage for SRCC events, the Allianz report said.
“Demand for political violence insurance continues to grow. We see an elevated level of interest and more buyers than ever in this space. Clients are broadening their coverage to better fit their risk footprint,” commented Srdjan Todorovic, global head of Political Violence and Hostile Environment Solutions at Allianz Commercial, who was quoted in the report.
Businesses also are prioritizing risk management and supply chain mitigation strategies, such as nearshoring, friendshoring, and supplier diversification, the report said. (Editor’s note: Friendshoring is defined by the World Economic Forum as limiting supply chains to, or sourcing manufacturing from, nations that share a continued on page 22
Special Report: Political Risk
continued from page 21
company’s political, economic, and social values.)
Business Interruption Risks
Allianz noted that one of the most severe PVT risks is the threat of business interruption (BI), “which could lead to substantial economic and insured losses, challenging businesses and their insurers.”
As both war and civil unrest can lead to big business interruption exposures— including supply chain disruptions— respondents to the Allianz Risk Barometer survey ranked BI as their third highest business concern. (See graphic on page 21.)
“While the survey was conducted before the U.S.-Iran conflict, many companies were already adopting strategies to adapt to shifting geopolitical risks—measures that will continue to strengthen their resilience during periods of intensifying
global upheaval,” Allianz explained.
“Just over a third (35%) were exploring nearshoring and evaluating domestic manufacturing options, while 32% were looking to improve inventory management, including storing inventory in Free Trade zones,” the report added. “Almost half (49%) were looking at renegotiating and diversifying supply chains, while a similar number were streamlining operations to reduce costs and/or investing in advanced analytics and supply chain management software.”
Survey respondents identified the impact of political risk and violence that concerns their companies the most as:
• Business interruption, 72%
• Impact on contingent business interruption and/or supply chains, 72%
• Direct physical damage, 43%
• Changes in licensing or regulations, 34%
Allianz explained that the figures don’t add up to 100% as up to three risks could be selected. The chart can be found on page 11 of the new report on “Political violence and civil unrest trends 2026.”
Types of PVT and SRCC Coverages
Allianz offered an analysis of the types of insurance available to cover various political violence risk scenarios, emphasizing that buyers should review their policies.
“Property policies may cover political violence claims in some cases, but insurers also offer specialist coverage to mitigate the impact of strikes, riots, and civil commotion via the specialist political violence market,” the report said.
Allianz noted that “full” political violence insurance typically includes all of the coverages listed below:
1. Property coverage
— Physical damage/losses sustained from an insured peril.
2. Business interruption (BI) and contingent business interruption (CBI) coverage
— Reduction to gross/net earnings suffered due to the necessary interruption of a business’ operations; and expenses incurred in attempting to reduce loss or increase operations elsewhere. Denial of access due to civil or military authority; supply chain issues.
3. Standalone terrorism and sabotage insurance
— Act of terrorism: An act or series of acts, including the use of force or violence, by any person or group(s) of persons whether acting alone or on behalf of any organization(s) committed for political, religious, or ideological purposes.
— Sabotage: Any willful physical damage
or destruction perpetrated for political reasons by known or unknown person(s).
4. Standalone strikes, riots and civil commotion (SRCC) insurance
— Strikes: Any willful act of any striker/ locked-out worker during a strike; any act of a lawful authority to suppress or minimize the strike’s consequence.
— Riots, civil commotions: Any political act committed in the course of a disturbance of the public peace by a group of persons; any act of a lawful authority to suppress or minimize a riot.
— Malicious damage: Physical loss/ damage resulting from a malicious political act committed during a public disturbance.
— Organized crime: an extension can be provided on request for Mexico and Latin America to cover SRCC and malicious damage events carried out by organized crime groups such as cartels.
5. War and warlike perils
— Insurrection, revolution, and rebellion: Deliberate, organized armed citizen/ subject resistance to a sovereign government’s laws.
— Coup d’état and mutiny: Sudden, violent and illegal overthrow of a sovereign government; resistance by members of legally armed or peace-keeping forces to a superior officer.
— War and civil war: Conflict between two or more sovereign nations, declared or undeclared; a war carried out between or among opposing citizens of the same country or nation.
Coverage for any of the above could, for example, include physical damage, business interruption, contingent business interruption, denial of access, delay in startup, and advanced loss of profit for construction projects, Allianz said, noting that terms of coverage depend on the individual policy.
A demonstrator runs on the third night of protests sparked by the fatal police shooting of a 17-year-old driver in the Paris suburb of Nanterre, France, on Friday, June 30, 2023. (AP Photo/Aurelien Morissard, File)
Idea Exchange: Programs
Fostering Optimal Program Relationships
Program startup and transition costs vary, but even smaller programs can reach the high six or even seven figures for carriers and program administrators alike.
By Tyler Hamilton
The cost rises even further when accounting for lost growth potential when it’s necessary to transition a program. Time, effort, and the distraction of moving a program, or the lost time that may have otherwise been spent on developing other new program opportunities, leads to additional cost.
Given this large investment, it is worth examining behaviors that create strong relationships and mutual success in the form of underwriting profitability and growth.
Behaviors That Build Program Success
Each party brings complementary strengths to the relationship. The program administrator has a detailed understanding of client needs, close relationships with retail distribution, specialized underwriting and risk management expertise, program-specific actuarial and predictive
modeling, and a problem-solving mentality. Carriers bring access to industry-level information and trends, insights into other business and potential commonalities, modeling resources, additional claims expertise, and a risk-bearer perspective that can help foster better underwriting performance.
Combining these strengths through open communication and transparency, as well as considering each partnership action through the other party’s point of view, leads to stronger and more productive relationships. This produces increased levels of underwriting profitability, support for coverage and appetite expansion, better outcomes for customers, and program growth.
At the annual Target Markets Program Administrators Association meeting in October 2025, I moderated a panel conversation on “What Makes a Good Program Partner.” The session combined perspectives from leading program administrators and carrier executives to explore what mutual expectations should look like, how clear and consistent communication can strengthen partnerships, and how both sides can adapt together for long-term success.
Based on a combination of that panel
discussion and my own perspective, here are some ideal behaviors for both parties, the benefits of these actions, and the potential negative consequences of contrary actions.
Behaviors That Build: Carriers Collaborative problem solving.
Shock-losses or other major program issues such as capacity constraints, changes in reinsurance availability or cost, increased loss trends, or other unexpected challenges occasionally happen. Program administrators need their carrier partner to react to these negative developments in a measured and collaborative fashion, so that the underlying cause of the problem is addressed and the actions taken do not unnecessarily punish unrelated clients. This ensures that the more profitable risks stay in the program and adverse selection is not introduced.
Additionally, the programs space is widely expected to be more stable than the general marketplace, so carriers that are more deliberate and collaborative in making underwriting changes will generate increased loyalty from the program administrator, the distribution channel, and customers.
Maintaining a portfolio focus.
This may come across as obvious, but I have seen some carriers take inflexible stances on individual accounts or small subsets of accounts that while taken on their own are not perfect but are part of a larger relationship or a program administrator’s market presence. Granted, these suboptimal accounts cannot be too far off target, or aggregate to a level that creates imbalance in a book of business. However, programs are supposed to create solutions for classes of business and their retail relationships.
If a given program can responsibly write some of these accounts (in balance with the portfolio), the program maximizes its value to retail partnerships and is positioned to write a larger share of the best-in-class risks as well. Being focused purely on single accounts risks losing preferred accounts to competitors who will leverage their ability to provide a broader solution to secure the
most profitable business.
Program administrators need to be adept at quantifying the impact of each account on the overall portfolio mix and regularly communicate the projected portfolio profitability to their carrier partner so that all parties understand the evolving composite results of the strategy.
Valuing program administrator feedback on coverage expansions and restrictions.
Carriers who work to promptly evaluate, construct, and implement new or broader coverage offerings with their program administrators are some of the best partners to have. This demonstrates a commitment to keeping the program market relevant (ideally leading) and speaks to a carrier’s trust that their program partner understands the needs of the collective customer base.
Carrier shortfalls can include inflexibility on new coverage concepts due to unproven wordings, or sometimes even carrier proposals to constrain coverage because they see non-program divisions of their company taking certain actions. Pushing coverage restrictions without regard to conditions in the program space or underlying profitability of the program is almost always a mistake.
Most programs look to differentiate their coverage and service offering so that customers are willing to pay slightly more to belong in the program and form longer-term relationships, versus the annual bid mentality that can be more prevalent in the general market. Programs that are successful in doing this run higher retention ratios of their better-performing accounts and as a result produce better underwriting profitability.
Responsiveness.
Some carriers are deliberate and decisive, often because the primary levels of program management are empowered to make business decisions. Carriers in this category are amazing to work with because while they may adjust the program administrator’s recommendation, they usually put the program in the best position to write quality risks (even when complicated) and cast each party in the
distribution chain as solutions oriented.
On the other end, carriers that do not empower their programs team to make key decisions often spend so much time on analysis or approval requirements that quality opportunities pass them by. This creates significant problems for program administrators as they have typically provided guidance on turnaround timelines or might be looking to provide a solution when a competitor stumbles. In either case this damages the program’s reputation in the marketplace and prevents both parties from capitalizing on opportunities.
‘Carriers
who work to
promptly evaluate, construct, and implement new or broader coverage offerings with their program administrators are some of the best partners to have.’
Behaviors That Build: Program Administrators
Continuous underwriting improvement. Being an underwriting expert in your specialty and having distribution relationships is not enough. Program administrators should be constantly scanning the market for better ways to understand and measure the risks they underwrite, and work with their actuaries and the carrier to integrate that into their process.
Without continuous improvement, the program administrator’s underwriting capabilities will fall behind that of their competition and eventually result in adverse selection for the underlying program.
Be willing to walk away from unprofitable business.
There are accounts and programs where the program administrator does not have the right tools to quantify and charge the correct premium or structure the offering in a way that will produce an underwriting profit. This could be due to the constraints of operating on an admitted basis, because the marketplace will not support required actions, or because
there is just too much uncertainty.
While the immediate financial consequences to a program administrator of non-renewing a large account or shutting down a program completely can be daunting, program administrators need to be willing to recognize these situations and act. If they do not, they are not fulfilling their obligation to put carrier underwriting profitability as the number one priority.
My company and I made this determination about a program and collaborated with our carrier to mutually terminate our agreement and wind down the program. While the carrier was disappointed that the program did not work out as hoped, they respected and agreed with our recommendation.
Measure and reference success in underwriting profits generated, not premium volume.
Citing volume of business written may be meant to show a positive point of reference, but without connecting that to the combined ratio produced for its carriers, the program administrator comes across as focused on top-line growth instead of underwriting profitability. This can create an environment of mistrust in any program relationship (and certainly does not support establishing a new one). Instead, be sure to understand and speak about the combined ratio of programs under management. Carriers that hear program administrators talk in these terms know that the program administrator places more focus on underwriting profitability and as a result is more willing to listen to new opportunities with an open mind.
Behavior to Avoid Edicts and ultimatums.
These wear down relationships because there is a winner and loser, which sows resentment and mistrust (and often a resolution to find a new partner). Instead, working collaboratively, in a way that values the interests of both parties, can result in unique solutions and achieve better outcomes for the program and for the strength of the partnership. continued on page 26
Idea Exchange: Programs
continued from page 25
Lack of Transparency.
Not sharing how each party views the business at a detailed level (cost components, constraints, preferences, goals, corporate requirements, etc.) creates a disconnect between how each party views the business and how to create mutual success going forward. If partners are operating with incomplete information, then it is hard for them to anticipate needs and address those in a meaningful way. This often results in unnecessary conflict and impedes program development.
Final Relationship Thoughts
Some of the most enjoyable and productive program relationships I have had included people that I knew and cared for on a personal level. This kind of relationship is not easy to build as we often focus heavily on business, but it is important to also spend time together as people. As an industry, we often have meals
together, which is a great foundation, but I would advocate for broader fellowship between the program teams at each company. Many group activities can develop this deeper connection between the teams. The key is for the activity to be broadly enjoyable and provide time for actual interaction.
‘Program administrators should be constantly scanning the market for better ways to understand and measure the risks they underwrite, and work with their actuaries and the carrier to integrate that into their process.’
Ultimately, successful relationships are those based on transparency, where each party understands and properly considers
their counterpart’s interests, integrating that insight into their communication with the other party and their overall decision-making process. Challenges will arise during any long-term partnership, but in the words of John Colis (CEO, Euclid Insurance Services), “both sides need to extend some grace to each other.” If they do, and they assume the best of each other, then they will be positioned to productively address challenges and reach optimal outcomes for the program and for each other.
Hamilton is senior vice president and director of program development for Alliant Underwriting Solutions. He has more than 25 years of experience in actuarial, underwriting strategy, program management, and carrier partnership development, and has led more than 30 program placements during his tenure at Alliant. Hamilton has served on the Advisory Board of the Target Markets Program Administrators Association since 2019. Email: thamilton@alliant.com.
More than market access. Full‑service placement support in personal and commercial lines, backed by experts who find the right markets for your clients.
News & Markets
California Governor Issues Executive Order to Prep Workers, Businesses for AI Disruption
California Gov. Gavin Newsom issued an executive order to attempt to deal with the impacts of artificial intelligence on workers and businesses.
The order directs the state to explore policies that include severance standards, employment insurance and transition support for displaced workers, worker ownership models, universal basic capital concepts, expanded workforce training and better tracking of hiring and payroll trends to help respond to potential layoffs and economic disruption.
The order directs the certain state agencies to:
• Evaluate and support opportunities to expand and enhance worker
ownership models to support capital growth and build wealth from productivity gains among workers, including employee-owned company structures.
• Support small businesses through educational and incentive opportunities on best practices and applications for using emerging technology.
• Identify ways the collective bargaining process has delivered positive outcomes for workers.
• Add more on-the-job training and AI preparation in higher education.
• Review policies that provide workers with a safety net, including severance and other forms of compensation such as stock or other forms of equity.
• Increase awareness and enrollment of
employment insurance programs.
• Create an AI playbook to modernize job training programs, including expanding strategies for connecting dislocated workers with training and technical assistance.
The order mandates that within 90 days the Labor and Workforce Development Agency and other state agencies in consultation with academic and private industry partners must provide a review of emerging research identifying the potential workforce impacts of technological shifts, including AI’s impact on California’s labor market and potential disproportionate impacts on demographic groups.
Report: California Independent Medical Review Overturned Most Treatment Requests
Nearly nine-in-10 workers’ compensation treatment request denials in California were overturned by independent medical review, a new report shows.
The California Department of Industrial Relations and its Division of Workers’ Compensation released the annual report on the department’s IMR program.
The report summarizes IMR activity in 2025, the 13th year since the program was implemented.
The report shows the organization that administers the program, Maximus Federal Services Inc., received 201,037 IMR applications and issued 152,351 final determination letters. Throughout the year, the organization issued decisions an average of six to seven days after receiving all required medical records, according to the report.
IMR overturned 10.2% of the utilization review decisions that denied treatment requests made by physicians treating injured workers, a rate that was less than in the previous year (12.7%), the report shows.
It shows that 91% of all unique IMR filings were deemed eligible for review, slightly higher than the percentage in 2024. Pharmaceutical requests accounted for 31% of all treatment requests submitted, while opioids comprised 22% of all pharmaceutical requests. The second- and third-highest number of requests were for topical analgesics (18.9%) and muscle relaxants (15.8%).
Treatment request denials were overturned at an overall rate of 10.2%, down from 12.7% in 2024. Program services, behavioral and mental health services, and evaluation had the highest overturn rates.
News & Markets
Washington Commissioner Issued $167K in Fines in 2Q
AYakima insurance agent and an unauthorized insurance company are barred from doing business in Washington after Insurance Commissioner Patty Kuderer issued cease-and-desist orders in April.
Those were two enforcement actions during the first quarter in which Kuderer issued fines totaling $167,000 for insurance law violations.
Kuderer’s office investigated Carol E. Perez, the licensee for Perez Insurance Inc. in Yakima, for accepting premiums from a consumer but not forwarding those payments to an insurer for a policy. The Office of the Insurance Commissioner said it revoked her license and the agency’s license after a pair of complaints and her failure to respond to a notification of a financial examination.
desist order to Kangaroo Security LLC, along with an $80,000 fine, for selling unauthorized insurance plans as part of an app and home security camera system.
Kuderer’s office fined Roo Inc. (doing business as Kangaroo Security LLC)
$80,000 and ordered the company to stop selling unlicensed
insurance products in Washington.
superseded forms to policies. Between 2023 and 2026, the company charged incorrect amounts on 585 policies in Washington.
Integon National Insurance Co., Winston-Salem, N.C.; fined $50,000
The OIC opened an investigation after a consumer alleged Perez wouldn’t provide them with proof of insurance or policy information after the consumer filed a claim on their business liability policy in 2023. The consumer called the insurer, which said the insured hadn’t had an active policy since 2021, despite making premium payments to Perez each month.
The company also told investigators that it had no agreement with Perez’s agency, which had no authority to issue insurance on its behalf.
A second complaint against Perez’s agency stated that a consumer paid their full six-month premium for a life insurance policy, but received a notice of cancellation shortly after the policy was supposed to go into effect. The agency told the consumer there were no issues, but they received a collection notice and learned their payment was returned for insufficient funds.
The OIC opened a financial examination into the company in November of 2025, but notices of the examination were returned undeliverable. Any consumers in the Yakima area who were impacted by Perez’s agency should file a complaint with the OIC.
Kuderer’s office also issued a cease-and-
Kangaroo Security offered two plans that featured theft reimbursement, with losses eligible for coverage if they were in sight of an installed smart camera device. The company told the OIC’s investigators that it does not sell insurance and said its plans are premium features that unlock in its app that accompanies its camera products, with the coverage being a second benefit.
The company’s website featured a “Kangaroo Insurance Coverage Claim Form,” and its plan offerings meet the state’s definition of insurance.
Kangaroo Security reportedly collected $58,061 from consumers with Washington area codes between 2019 and 2025. The company had 573 users and 674 accounts in Washington, which reported 17 total claims. The company sold camera devices to at least 220 Washington consumers with a total of 293 protection plans.
In addition to the fine, the company is ordered to pay outstanding premium taxes, interest, and a 20% penalty on the total amount of past-due taxes.
The company has 90 days from the day the order was filed to request a hearing to appeal the order before it becomes final.
Other first-quarter fines and offenses reported by the OIC include:
Guideone Elite Insurance Co., West Des Moines, Iowa; fined $55,000
Guideone used incorrect protection classes, applied incorrect grading credits, used incorrect construction years, used an incorrect number of stories, and attached
The OIC opened a continuum action on Integon in 2024 due to a high volume of complaints from consumers related to claims handling. The OIC requested a log of all the company’s Washington claims closed between Jan. 1 and July 31, 2024. The agency examined 108 randomly selected claims and found claims handling violations on 14 of them.
Foremost Insurance Co., Grand Rapids, Mich.; fined $20,000
The company incorrectly used depreciated labor costs in claims settlements and failed to adopt and implement reasonable standards for processing and paying claims.
If you’re an insurance professional, I’m guessing your personal auto insurance policy probably includes uninsured and/or underinsured motorists (UM/UIM) coverage. Why?
Because you know that, on average, at least 15% of drivers on the road carry zero auto liability insurance, according to the Insurance Research Council (IRC)
By Bill Wilson
as reported by the Insurance Information Institute (III).
In some states, that number is 20% to 30%. Of those drivers that do have liability coverage, it’s estimated that 20% to 40% only carry minimum or almost minimum state required limits. If these numbers are to be believed, then it’s possible that 35% to 70% of all drivers have minimal or no auto liability coverage.
That’s likely why you carry UM/UIM coverage, hopefully at limits equal to your auto liability limits. It’s also a principal
Others
reason why, for several years, my personal lines account included an E&S personal umbrella policy. Why? Because the admitted carriers my agent represented all had a maximum limit on UM/UIM coverage, so I was unable to buy UM/UIM coverage at the same limit as the auto liability coverage I carried.
As insurance professionals we know that we can’t rely on others to have the insurance or assets to cover the injuries to us that they may be legally liable for.
continued on page 65
2026 Annual Program Directory, Summer Edition
Welcome to Insurance Journal’s 2026 Program Directory, Summer Edition. Information contained in this directory has been compiled by Insurance Journal’s staff as a resource for readers. For purposes of this directory, a program is defined as “a group of coverages designed specifically for any given risk or class of business.”
IJ’s Program Directory, as well as IJ’s Specialty Markets Directory and Workers’ Comp Directory, are also available online. Brokers and insurance companies are invited to submit and maintain up to 10 free market listings for the Program Directory. Brokers and insurers continually update market listings year-round. Insurance Journal is not responsible for inaccurate information submitted by respondents.
To list a market online free of charge, visit: www.insurancejournal.com/directories.
Step-by-step instructions guide users through the listing process. For questions on being listed in the print and online version of IJ’s Program Directory, please send an e-mail to: khoney@insurancejournal.com
Irwin Siegel Agency
Coverages Abuse & Molestation, Accident & Health, Addiction Treatment, Auto Comm-Standard, Auto CommStandard Liability & Physical Damage, Boiler & Machinery, Business Income, CGL, Community/Social Svcs, Crime, Cyber Liab, D&O, EPLI, Excess Liab, GL, Inland Marine, Managed Care, Medical & Physical Rehab, Mental Health Care, Nonprofit D&O, Professional Liab, Property, Umbrella Carrier Admitted, Non-admitted States All States
Philadelphia Insurance Companies
SPG Environmental Coverages CGL, E&O, Environmental Liab, Pollution, Pollution Liab, Transportation Pollution Liab, Workers’ Comp States All States
Target Managers Insurance Services
Coverages Auto Comm-Standard, CGL, Environmental Liab, Pollution Liab, Property, Truck Auto Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States All States Virtue Risk Partners LLC
Coverages Environmental Liab, Pollution Liab Carrier Status Non-admitted States All States
Accountants/CPAs
Association Member Benefits Advisors LLC
Coverages BOP, Cyber Liab, D&O, E&O, EPLI, Event
Cancellation, Fidelity Bonds, Identity Theft, Misc Professional Liab, Nonprofit D&O, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Berkley Select | a Berkley Company
Coverages E&O, EPLI, Professional Liab Carrier Status Admitted, Non-admitted States All States Landy Insurance Agency
Coverages BOP, Crime, Cyber Liab, D&O, EPLI, Professional Liab, Workers’ Comp Carrier Status Admitted States All States except AK, LA
Norman-Spencer International Inc.
Coverages E&O, Professional Liab Carrier Status Admitted States All States
The McGowan Companies
Coverages E&O, Professional Liab Carrier Status Admitted States All States
Addiction Treatment Facilities
Addiction Treatment Providers Insurance Program
Coverages Abuse & Molestation, Auto Comm-Standard, Business Income, Cyber Liab, GL, Hired & Non-owned Auto, Liability, Medical Malpractice, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except NY
AllComp Solutions
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States
Coverages Abuse & Molestation, Addiction Treatment, Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Inland Marine, Participant Accident, Professional Liab, Property, Real & Business Personal Prop, Sexual Misconduct, Umbrella Carrier Admitted States All States except LA
Administrative Service Org’s
Ryan Specialty National Programs
Coverages Abuse & Molestation, Blanket Addt’l Insureds, Blanket Waivers, Care/Custody/Control, Crime, Employee Benefits, EPLI, Excess Liab, GL, Hired & Non-owned Auto, Professional Liab, Property, Stop-Gap, Umbrella, Workers’ Comp Carrier Admitted, Non-admitted States All States World Wide Specialty, a Div of Philadelphia Ins. Co’s Coverages Abusive Acts, Auto Comm-Standard, Blanket Addt’l Insureds, Blanket Waivers, Care/Custody/Control, Crime, Cyber Liab, D&O, E&O, Employee Benefits, EPLI, Fidelity, Fidelity Bonds, GL, HNOA, Misc Professional Liab, Professional Liab, Property, Technology E&O, Umbrella, Workers’ Comp Carrier Status Admitted States All States
Adult Care Facilities
Amalgamated Insurance Underwriters
Coverages Assault & Battery, Crime, Earthquake, Equipment Breakdown, Flood, Property Carrier Status Non-admitted States All States except CO, FL, HI, LA, NY, TX
Sapphire Blue
Coverages CGL, Professional Liab Carrier Status Non-admitted States
Adult
Clubs
MAXIMUM
Coverages Abuse & Molestation, Accident & Sickness, Addiction Treatment, Assault & Battery, Business Income, CGL, Crime, D&O, EPLI, Fire, Flood, GL, Hired & Non-owned Auto, Identity Theft, Legal Liab, Liability, Liquor Liability, Personal Property, Professional Liability, Property, Sexual Misconduct, Umbrella, Workers’ Compensation Carrier Status Admitted, Non-admitted States All States
Agribusinesses
Agricultural Insurance Mgmt Services
Coverages Auto Comm-Standard Liability, Care/Custody/ Control, CGL, Commercial Excess, Equipment Breakdown, Excess Liab, Horse Mortality, Property, Umbrella Carrier Status Admitted States Most States
Ascendant Insurance Solutions
Coverages Auto Comm-Standard, BOP, Cyber Liab, Equipment, GL, Professional Liab, Umbrella, Workers’ Comp Carrier Status Admitted States AL, AZ, CA, CO, CT, DC, FL, GA, IL, KY, LA, MA, MD, NC, NJ, NM, NV, NY, PA, SC, TN, TX, VA, VT, WY
Marshall+Sterling Insurance
Coverages Horse Mortality, Liability, Livestock/Animal Mortality, Loss of Use Carrier Status Admitted States All States except AK, HI
Omaha National Coverages Workers’ Comp Carrier Status Admitted States Most States
Professional Program Ins. Brokerage, a Div of SPG Ins. Coverages Abuse & Molestation, CGL, Liability Carrier Status Non-admitted States All States
Risk Placement Services Sacramento Coverages Care/Custody/Control, Horse Mortality, Medical, Tools & Equip, Trade Shows & Festivals, Umbrella Carrier Status Admitted, Non-admitted States CA
XPT Specialty
Coverages CGL, Inland Marine, Pollution Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States except AK
Aircraft Manufacturers
Northwest Insurance Group Inc.
Coverages Auto Comm-Standard, Care/Custody/Control, Cargo, CGL, Completed Operations Liab, Contractors Equip, EPLI, Inland Marine, Pollution Liab, Products Liab, Tenant Liability, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Airport Owners & Operators
Applied Underwriters Inc.
Coverages Combo Personal & Commercial, Liability, Workers’ Comp Carrier Status Admitted States All States Northwest Insurance Group Inc.
Coverages Business Income, CGL, Completed Operations Liab, D&O, EPLI, GL, Inland Marine, Liability, Pollution Liab, Products Liab, Professional Liab, Property, Public Officials, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Alarm Monitoring Companies
Balance Partners - Maven
Coverages CGL, E&O, Excess Liab, GL, Liability, Professional Liab Carrier Status Non-admitted States All States
Brownyard Group
Coverages Assault & Battery, Auto Comm-Standard, Blanket Addt’l Insureds, Care/Custody/Control, CGL, Commercial Excess, Crime, E&O, Excess Liab, Fidelity, Fidelity Bonds, Fire Legal Liab, GL, Inland Marine, Liability, Lost Key, Professional Liab, Property Carrier Status Admitted States All States except NE
Philadelphia Insurance Companies
Coverages Abuse & Molestation, Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Boiler & Machinery, Business Income, Care/Custody/Control, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Inland Marine, Legal Expense Ins, Personal Property, Professional Liab, Property, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA
Ryan Specialty National Programs
Coverages Auto Comm-Nonstandard, Care/Custody/Control, E&O, Excess Liability, GL, Workers’ Compensation Carrier Status Admitted, Non-admitted States All States
Alcohol & Substance Abuse Treatment Centers
Addiction Treatment Providers Insurance Program
Coverages Abuse & Molestation, Auto Comm-Standard, Business Income, Cyber Liab, GL, Hired & Non-owned Auto, Liability, Medical Malpractice, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except NY
Balance Partners - Maven
Coverages E&O, Excess Liab, Professional Liab Carrier Status Non-admitted States All States
Gateway Specialty Insurance
Coverages Abuse & Molestation, Crime, E&O, EPLI, GL, Nonprofit D&O, Property Carrier Status Admitted, Non-admitted States All States
Irwin Siegel Agency
Coverages Abuse & Molestation, Accident & Health, Addiction Treatment, Commercial Auto - Standard & Nonstandard, Auto Comm-Standard Liability & Physical Damage, Boiler & Machinery, Business Income, CGL, Community/Social Svcs, Crime, Cyber Liab, D&O, EPLI, Excess Liability, GL, Inland Marine, Managed Care, Nonprofit D&O, Professional Liability, Property, Umbrella Carrier Status Admitted, Non-admitted States All States
Novacore
Coverages Abuse & Molestation, Addiction Treatment, Auto Comm-Standard, Business Income, Community/Social Svcs, Cyber Liab, GL, Hired & Non-owned Auto, Liability, Medical Malpractice, Mental Health Care, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Allied Healthcare Professionals
Apogee Insurance Group, a Berkshire Hathaway Co.
Coverages Crime, Cyber Liab, D&O, EPLI, GL, Media Liab, Pollution Liab, Professional Liab Carrier Status Admitted, Non-admitted States All States
Ascendant Insurance Solutions
Coverages Auto Comm-Standard, Cyber Liab, Professional Liab, Property, Workers’ Comp Carrier Status Admitted States AL, AZ, CA, CO, CT, DC, FL, GA, IL, KY, LA, MA, MD, NC, NJ, NM, NV, NY, PA, SC, TN, TX, VA, VT, WY
Association Member Benefits Advisors LLC
Coverages Auto Pers-Standard, Auto Pers-Standard Phys Dmg, BOP, Cyber Liab, D&O, E&O, Educator Legal Liab, EPLI, Equipment, Event Cancellation, Excess Liab, Fidelity Bonds, GL, Homeowners Pkg, Legal Expense Ins, Liability, Misc Professional Liab, Nonprofit D&O, Occupational Accident, Personal Umbrella, Professional Liab, Student Accident, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
2026 Annual Program Directory, Summer Edition
Berkley Select | a Berkley Company
Coverages E&O, Medical Malpractice, Professional Liab
Carrier Status Admitted, Non-admitted States All States
CID Insurance Programs Inc.
Coverages Abuse & Molestation, E&O, EPLI, GL, Professional Liab, Property Carrier Status Admitted, Non-admitted States AZ, CA, CO, ID, MD, NE, NM, NV, OR, TN, TX, UT, WA
Integrated Specialty Coverages (ISC)
Coverages Abuse & Molestation, Addt’l Expense, Employee Benefits, GL, Hired & Non-owned Auto, Medical Professional Carrier Status Non-admitted States All States
Oryx Insurance Brokerage Inc.
Coverages Auto Comm-Standard, GL, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Philadelphia Insurance Companies
Coverages Abuse & Molestation, Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Inland Marine, Professional Liab, Property, Sexual Misconduct, Umbrella Carrier Status Admitted States All States except LA
Promont Insurance Advisors
Coverages CGL, Commercial Excess, Crime, E&O, Employee Benefits, Equipment Breakdown, Fire Legal Liab, Professional Liab, Property Carrier Status Non-admitted States All States
Shelly, Middlebrooks & O’Leary Inc.
Coverages Abuse & Molestation, Business Income, Business Interruption, CGL, Commercial Excess, Crime, D&O, E&O, EPLI, Excess Liability, Professional Liability Carrier Status Non-admitted States FL, GA, NC, SC, TX
Amateur Sports Associations
Alive Risk
Coverages Accident & Health, CGL, Event Cancellation, Excess Liab, Inland Marine, Liquor Liab, Prize Indemnification Carrier Status Admitted, Non-admitted States All States
InsuranceHelper.com
Coverages Abuse & Molestation, Blanket Addt’l Insureds, Blanket Waivers, CGL, GL, Hired & Non-owned Auto, Liability, Liquor Liab, Medical Payments, Participant Accident, Personal Liab, Sexual Misconduct, Trade Shows & Festivals Carrier Status Non-admitted States All States
K&K Insurance Group Inc.
Coverages CGL, Crime, Excess Liab, Inland Marine, Participant Accident, Property Carrier Status Admitted States All States
Philadelphia Insurance Companies
Coverages Abuse & Molestation, Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Earthquake, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Inland Marine, Legal Expense Ins, Nonprofit D&O, Participant Accident, Professional Liab, Property, Real & Business Personal Property, Sexual Misconduct, Uninsured Motorists Carrier Status Admitted States All States except LA
Sadler Insurance, Div. of Specialty Program Group (SPG)
Coverages Abuse & Molestation, CGL, Crime, EPLI, Equipment, Excess Liab, Hired & Non-owned Auto, Nonprofit D&O, Participant Accident, Watersports Liab Carrier Status Admitted States All States
Sports & Wellness Insurance
Coverages Abuse & Molestation, Accident & Health, Crime, Cyber Liab, D&O, GL, Hired & Non-owned Auto, Inland Marine, Property, Umbrella Carrier Status Admitted, Non-admitted States All States
Ambulance Service
National Indemnity Company
Coverages Auto Comm-Nonstandard, Auto CommNonstandard Phys Dmg, Medical Payments, Uninsured Motorists Carrier Status Admitted, Non-admitted States All States except HI, MA, NJ, NY
Prime Insurance Company
Coverages Abuse & Molestation, Assault & Battery, Auto Comm-Nonstandard, Auto Comm-Nonstandard Phys Dmg, Commercial Excess, Difference in Conditions, GL, Hired & Non-owned Auto, Motor Truck Cargo, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States All States
Amusement Parks
Alive Risk
Coverages Accident & Health, CGL, Excess Liab, Hired & Non-owned Auto, Inland Marine, Liquor Liab, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
McGowan Allied Specialty Insurance
Coverages Auto Comm-Standard, CGL, Crime, Equipment Breakdown, Excess Liab, Hired & Non-owned Auto, Inland Marine, Property, Workers’ Comp Carrier Status Admitted States All States
The McGowan Companies
Coverages Auto Comm-Standard, Excess Liab, GL, Inland Marine, Participant Accident, Pollution, Prize Indemnification, Property, Workers’ Comp Carrier Status Admitted States All States
Animal Rescue Organizations
Care Providers Insurance Services
Coverages Accident & Health, Auto Comm-Standard, Crime, D&O, EPLI, Excess Liab, GL, Inland Marine, Professional Liab, Property States All States
Nonprofits Insurance Alliance
Coverages Abuse & Molestation, Accidental Death, Auto Comm-Standard, Blanket Addt’l Insureds, Blanket Waivers, CGL, Commercial Excess, Community/Social Svcs, Crime, D&O, E&O, Employee Benefits, EPLI, Fire Legal Liab, GL, Liability, Liquor Liab, Misc Professional Liab, Products Liability, Property, Umbrella, Uninsured Motorists Carrier Status Non-admitted States Most States
Antique/Classic Car Dealers
Philadelphia Insurance Companies
Coverages Garage Liability, GL, Inland Marine, Physical Damage, Property, Umbrella Carrier Status Admitted States All States except LA
South & Western General Agency Inc.
Coverages Auto Pers-Standard, Auto Pers-Standard Physical Damage Carrier Status Admitted States AR, MS, NM, OK, TN, TX
Apartment Building Owners
AllComp Solutions
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States
Amalgamated Insurance Underwriters
Coverages Boiler & Machinery, Earthquake, Flood, Property Carrier Status Non-admitted States All States except CO, FL, HI, NY, TX
Berkley Luxury Group, a W.R. Berkley Company
Coverages CGL, Cyber Liab, GKLL, Hired & Non-owned Auto, Property Carrier Status Admitted, Non-admitted States AZ, CO, DC, GA, IL, IN, MA, MD, MI, MN, NC, NJ, NM, NY, OH, PA, VA, WI
bolt
Coverages Apartment House Package, Auto Comm-Standard, BOP, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except DC
CID Insurance Programs Inc.
Coverages BOP, CGL, Commercial Excess, Excess Liab, Fidelity, GL, Liability, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States AZ, CA, CO, ID, MD, NE, NM, NV, OR, TN, TX, UT, VA, WA
Distinguished Programs
Coverages Boiler & Machinery, CGL, Property, Umbrella Carrier Status Admitted, Non-admitted States All States
Flood Risk Solutions Inc.
Coverages Additional Living Expense, Builders Risk, Business Income, Business Interruption, Commercial Excess, Excess Flood, Flood, Personal Property Carrier Status Non-admitted States All States
Flow Insurance Services
Coverages Excess Flood, Flood Carrier Status Non-admitted States All States
Carrier Status Admitted States AZ, CA, NV, OR, TX, WA
2026 Annual Program Directory, Summer Edition
Apartment Building Owners (continued)
HabPro Insurance
Coverages Business Income, Equipment Breakdown, Hired & Non-owned Auto, Property Carrier Status Non-admitted States All States except AK, FL, HI, LA
Hinterland Insurance
Coverages Builders Risk, Earthquake, GL, Property, Vacant Building Carrier Status Non-admitted States All States except OK, TX
Hull & Company
Coverages Boiler & Machinery, CGL, Property Carrier Status Non-admitted States All States except DC
MAXIMUM
Coverages Apartment House Package, Boiler & Machinery, Business Income, CGL, COC, Commercial Excess, Difference in Conditions, Earthquake, Equipment Breakdown, Excess Liab, Fire, Fire Legal Liab, Foreclosed Properties, GKLL, GL, Hail, Historic Bldgs/Unique Property, Inland Marine, Liability, Lost Key, Mechanical Breakdown, Personal Property, Physical Damage Rental Units, Pollution, Pool & Spa Liab, Property, Umbrella, Wind Carrier Status Admitted, Non-admitted States All States
MG Skinner & Associates
Coverages Apartment House Package, Boiler & Machinery, Business Income, CGL, Crime, Cyber Liab, D&O, E&O, Earthquake, EPLI, Excess Liab, Flood, Misc Professional Liab, Professional Liab, Property, Tenant Discrimination, Umbrella, Wind, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
NeitClem Wholesale Insurance Brokerage Inc.
Coverages Apartment House Package, Difference in Conditions, Excess Liab, Fire, Flood, Liability, Loss of Use, Tenant Discrimination Carrier Status Admitted, Non-admitted States AZ, CA, NV, TX
Preferred Concepts LLC
Coverages CGL, Umbrella Carrier Status Admitted States All States
REInsurePro
Coverages Builders Risk, Business Income, CGL, Dwelling Fire, Earthquake, Equipment Breakdown, Flood, Foreclosed Properties, Hail, Hurricane, Medical Payments, Property, Real & Business Personal Prop, Rented Property, Residential Property, Tenant Discrimination, Theft, Vacant Building, Wind Carrier Status Admitted, Non-admitted States All States except FL, LA, NY
Southwest Risk
Coverages Builders Risk, CGL, Property, Umbrella Carrier Status Admitted, Non-admitted States All States
SPG Wholesale
Coverages GL, Property Carrier Status Non-admitted States All States
The McGowan Companies
Coverages Commercial Excess, Excess Liab, Umbrella Carrier Status Admitted States All States
XPT Specialty
Coverages Apartment House Package, Assault & Battery, CGL, Earthquake, Excess Liability, Fire, Fire Legal Liab, GL, Medical Payments, New Occurrence, Umbrella Carrier Status Non-admitted States All States except AK
Appraisers
Association Member Benefits Advisors LLC
Coverages BOP, Cyber Liab, D&O, E&O, EPLI, Event Cancellation, Fidelity Bonds, Identity Theft, Misc Professional Liab, Nonprofit D&O, Professional Liab, Workers’ Comp Carrier Admitted, Non-admitted States All States
Balance Partners - Maven
Coverages CGL, E&O, Excess Liab, Professional Liab Carrier Status Non-admitted States All States
Landy Insurance Agency
Coverages BOP, Cyber Liability, E&O, Professional Liability, Workers’ Comp Carrier Status Admitted States All States except AK, LA
Arborists/Tree Services
Applied Underwriters Inc.
Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Combo Personal & Commercial, Truck Auto Liab, Workers’ Comp States All States
Balance Partners - Maven
Coverages CGL, E&O, Excess Liab, Professional Liab Carrier Status Non-admitted States All States
Legacy Employer Concepts LLC
Coverages EPLI, Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted, Non-admitted States All States
StateFund First, a division of Arthur J Gallagher & Co.
Insurance Brokers of CA Inc.
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative)
Carrier Status Admitted States CA
Architects & Engineers
Access E&S Insurance Services
Coverages Environmental Liab, Excess Liab, Liability, Professional Liab Carrier Status Admitted, Non-admitted States AR, DC, DE, GA, IL, MD, NC, NJ, NY, OH, PA, SC, TN, TX, VA
Amwins - 155+ Locations Worldwide
Coverages Pollution, Technology E&O Carrier Status Admitted, Non-admitted States All States except AK, WY
Apogee Insurance Group, a Berkshire Hathaway Company Coverages Crime, Cyber Liab, D&O, EPLI, GL, Media Liab, Pollution Liab, Professional Liab Carrier Status Admitted, Non-admitted States All States
Freberg Environmental Inc.
Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Commercial Excess, E&O, Environmental Liab, EPLI, GL, Hired & Non-owned Auto, Pollution, Pollution Liab, Professional Liab, Transportation Pollution Liab, Umbrella Carrier Status Non-admitted States All States
Hull & Company
Coverages Commercial Excess, D&O, E&O, EPLI
Carrier Admitted, Non-admitted States All States except DC
Johnson & Johnson
Coverages Cyber Liab, E&O, EPLI, Kidnap/Ransom, Professional Liab Carrier Status Non-admitted States All States
NeitClem Wholesale Insurance Brokerage Inc.
Coverages Excess Liability, Professional Liability
Carrier Admitted, Non-admitted States AZ, CA, NV, TX
Professional Underwriters Agency (PUA)
Coverages Pollution Liab, Professional Liab
Carrier Status Admitted, Non-admitted States All States
Breakdown, Flood, Property Carrier Status Non-admitted States All States except CO, FL, HI, LA, NY, TX
Ascendant Insurance Solutions
Coverages Auto Comm-Standard, Cyber Liab, Professional Liab, Property, Workers’ Comp Carrier Status Admitted States AL, AZ, CA, CO, CT, DC, FL, GA, IL, KY, LA, MA, MD, NC, NJ, NM, NV, NY, PA, SC, TN, TX, VA, VT, WY
Element22 Insurance Services
Coverages Abuse & Molestation, Business Income, Business Interruption, Catastrophe, Hurricane Carrier Status Admitted, Non-admitted States All States
Flood Risk Solutions Inc.
Coverages Addt’l Living Expense, Builders Risk, Business Income, Business Interruption, Commercial Excess, Excess Flood, Flood, Personal Property Carrier Status Non-admitted States All States
PEO Brokers Group
Coverages WC - Master Policies/ASO, Workers’ Comp, Workers’ Comp Plus (Alternative) States All States
Promont Insurance Advisors
Coverages CGL, Liability, Professional Liab, Property Carrier Status Non-admitted States Most States
Sapphire Blue
Coverages CGL, Professional Liability
Carrier Status Non-admitted States All States except KY
Associations/Affinity Groups
Applied Underwriters Inc.
Coverages Accessories, Warranties, Extended Carrier Status Admitted States All States
Association Member Benefits Advisors LLC
Coverages Auto Pers-Standard, Auto Pers-Standard Phys Dmg, BOP, Cyber Liab, D&O, Educator Legal Liab, EPLI, Equipment, Event Cancellation, Excess Liab, Fidelity Bonds, GL, Homeowners Pkg, Legal Expense Ins, Liability, Misc Professional Liab, Nonprofit D&O, Occupational Accident, Personal Umbrella, Professional Liab, Student Accident, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Great American Insurance Group, Alternative Markets Coverages Auto Comm-Standard, BOP, CGL, Inland Marine, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Philadelphia Insurance Companies
Coverages Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Boiler & Machinery, Business Income, Care/Custody/Control, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Legal Expense Ins, Personal Property, Professional Liab, Protection & Indemnity (P&I), Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA
Attorneys
Association Member Benefits Advisors LLC
Coverages BOP, Cyber Liab, E&O, EPLI, Event Cancellation, Fidelity Bonds, Identity Theft, Legal Malpractice, Nonprofit D&O, Professional Liability, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Berkley Select | a Berkley Company
Coverages E&O, EPLI, Professional Liab
Carrier Status Admitted, Non-admitted States All States bolt
Coverages Auto Comm-Standard, BOP, Professional Liab, Workers’ Comp Carrier Status Admitted States All States except DC
Johnson & Johnson
Coverages Cyber Liab, E&O, EPLI, Kidnap/Ransom, Professional Liab Carrier Status Non-admitted States All States
Landy Insurance Agency
Coverages BOP, Crime, Cyber Liab, D&O, E&O, EPLI, Liability, Professional Liab, Workers’ Comp Carrier Status Admitted States All States
Number One Insurance Agency
Coverages Excess Liab, Professional Liab Carrier Status Admitted, Non-admitted States MA
Quirk & Company
Coverages CGL, Professional Liab, Property Carrier Status Non-admitted States NM, OK, OR, TN, TX, WA
Synergy Professional Associates Inc.
Coverages E&O, Professional Liab Carrier Status Admitted, Non-admitted States All States
The McGowan Companies
Coverages E&O, Excess Liab, Professional Liab
Carrier Status Admitted States AL, CA, CO, CT, FL, GA, MI, NV, NY, OH, TN, TX, WA
Vanguard Specialty
Coverages E&O, Excess Liab, Professional Liab
Carrier Status Admitted, Non-admitted States All States
Auto Body Shops
KBK Insurance Group Inc.
Coverages Dealers Open Lot, Garage Keepers Legal Liab, GL, On-Hook Cargo, Physical Damage, Property, Umbrella Carrier Admitted States All States except AK, HI, MA, NY
NeitClem Wholesale Insurance Brokerage Inc.
Coverages GL, Property Carrier Status Admitted, Non-admitted States AZ, CA, NV, TX
Omaha National
Coverages Workers’ Comp Carrier Status Admitted States Most States
Target Managers Insurance Services
Coverages Auto Comm-Standard, BOP, EPLI, Garage Liability, GKLL, Truck Auto Liability, Workers’ Compensation Carrier Status Admitted, Non-admitted States All States
2026 Annual Program Directory, Summer Edition
Auto Dealers
Amwins - 155+ Locations Worldwide
Coverages Pollution, Pollution Liability
Carrier Status Non-admitted States All States
CID Insurance Programs Inc.
Coverages BOP, CGL, Commercial Excess, Dealers Open Lot, EPLI, Excess Liab, Fidelity, Garage Liability, GKLL, Liability, Property, Umbrella, Uninsured Motorists, Workers’ Comp Carrier Status Admitted, Non-admitted States AZ, CA, CO, ID, NE, NM, OR, TN, TX, UT, VA, WA
Cox Specialty Markets
Coverages Dealer and Transporter Plates, Dealers Open Lot, Garage Keepers Legal Liab, Garage Liability
Carrier Admitted States AR, IL, IN, KY, OH, PA, TN, WV KBK Insurance Group Inc.
Coverages Dealers Open Lot, Garage Keepers Legal Liab, GL, On-Hook Cargo, Physical Damage, Property, Umbrella Carrier Admitted States All States except AK, HI, MA, NY
MAXIMUM
Coverages Auto Comm-Nonstandard Phys Dmg, Boiler & Machinery, Builders Risk, Business Income, Business Interruption, Catastrophe, Dealers Open Lot, Excess Flood, Flood, GL, Hail, Hurricane, Inland Marine, Property, Theft, Umbrella Carrier Admitted, Non-admitted States All States
Meramec Secure Inc. / Personal Safeguards Group LLC
Coverages Product Extended Warranty, Service Contracts, Warranties, Extended Carrier Status Admitted States All States
Mexico Insurance Online
Coverages Auto Pers-Nonstandard, Auto Pers-Nonstandard Phys Dmg, Auto Pers-Standard, Auto Pers-Standard Phys Dmg, Emergency Towing & Service, Int’l Coverage - Personal States All States
River Valley Underwriters Inc.
Coverages Business Income, Business Interruption, Care/ Custody/Control, Dealer and Transporter Plates, Dealers
Open Lot, Fire Legal Liab, Garage Keepers Legal Liab, Garage Liability, GKLL, GL, Legal Liab, Liability, Medical Payments, On-Hook Cargo, Personal Property, Products Liab, Property, Real & Business Personal Prop, Uninsured Motorists, Uninsured Personal Injury Carrier Status Admitted, Non-admitted States Most States
Ryan Specialty National Programs
Coverages Business Income, Crime, Cyber Liab, Dealers Open Lot, E&O, EPLI, Equipment Breakdown, Garage Keepers Legal Liab, Garage Liability, GL, Hired & Non-owned Auto, Identity Theft, Physical Damage, Property, Umbrella Carrier Status Non-admitted States Most States
Target Managers Insurance Services
Coverages EPLI, Workers’ Comp Carrier Status Admitted States All States
Victor Insurance Managers LLC
Coverages Crime, Cyber Liab, Dealers Open Lot, E&O, EPLI, Garage Keepers Legal Liab, Garage Liability, GL, Property, Umbrella Carrier Status Admitted, Non-admitted States All States except AK, HI
Walter General Agency (WGA)
Coverages Dealers Open Lot, Excess Liability, Garage Keepers Legal Liability, Garage Liability, GKLL, Medical Payments, Property, Umbrella, Uninsured Motorists Carrier Status Non-admitted States AR, MO, OK
Wilkoff Bonds
Coverages Crime, Fidelity, Fidelity Bonds Carrier Status Admitted States All States
Auto Dismantlers/Wrecking Yards
KBK Insurance Group Inc.
Coverages Dealers Open Lot, Garage Keepers Legal Liab, GL, On-Hook Cargo, Property, Umbrella Carrier Status Admitted States All States except AK, HI, MA, NY
Auto Haulers/Transporters
Applied Underwriters Inc.
Coverages Auto Comm-Standard Liability & Physical Damage, Workers’ Comp Carrier Status Admitted States All States
Lancer Insurance Company
Coverages Dealer and Transporter Plates Carrier Status Admitted States CT, NY, PA
Prime Insurance Company
Coverages Abuse & Molestation, Assault & Battery, Auto Comm-Nonstandard, Auto Comm-Nonstandard Phys Dmg, Commercial Excess, Dealers Open Lot, Difference in Conditions, Garage Keepers Legal Liab, Garage Liability, GKLL, GL, Hired & Non-owned Auto, Motor Truck Cargo, On-Hook Cargo, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States All States
Star Mutual RRG
Coverages Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Hired & Non-owned Auto, Long Haul, Motor Truck Cargo, Truck Auto Liab, Uninsured Motorists Carrier Status Non-admitted States Most States
Auto Repair Shops/Garages
Amwins - 155+ Locations Worldwide
Coverages Pollution, Pollution Liability
Carrier Status Non-admitted States All States
Applied Underwriters Inc.
Coverages Auto Comm-Standard, Auto Comm-Standard Phys Dmg, Workers’ Comp Carrier Status Admitted States All States
Ascendant Insurance Solutions
Coverages Auto Comm-Standard, Cyber Liab, Garage Liability, Workers’ Comp Carrier Status Admitted States AL, AZ, CA, CO, CT, DC, FL, GA, IL, KY, LA, MA, MD, NC, NJ, NM, NV, NY, PA, SC, TN, TX, VA, VT, WY
Bass Underwriters
Coverages Dealers Open Lot, Garage Keepers Legal Liab
Coverages Garage Liability, GKLL, GL, Property Carrier Status Non-admitted States CA
KBK Insurance Group Inc.
Coverages Dealers Open Lot, Garage Keepers Legal Liab, GL, On-Hook Cargo, Property, Umbrella Carrier Status Admitted States All States except AK, HI, MA, NY
Coverages Environmental Liab, Pollution, Pollution Liab, Transportation Pollution Liab States All States
Roush Insurance Services Inc.
Coverages Business Income, Business Interruption, Care/ Custody/Control, Commercial Excess, Environmental Liab, Equipment, Excess Liab, Garage Liability, GKLL, GL, HNOA, Inland Marine, Lost Key, Medical Payments, Physical Damage, Pollution, Property, Real & Business Personal Prop, Tools & Equip, Wrongful Repo Carrier Status Non-admitted States IA, IL, IN, MN, ND, OH, SD, WI
Shelly, Middlebrooks & O’Leary Inc.
Coverages Business Income, CGL, D&O, Dealers Open Lot, EPLI, Excess Liability, Fire Legal Liability, Garage Keepers Legal Liability, Garage Liability, GKLL, GL, Property
Carrier Admitted, Non-admitted States FL, GA, NC, SC, TX
South & Western General Agency Inc.
Coverages Dealers Open Lot, Garage Liability, GKLL
Carrier Admitted, Non-admitted States AR, MS, OK, TN, TX
SPG Wholesale
Coverages GL, Property Carrier Status Non-admitted States All States
Target Managers Insurance Services
Coverages Auto Comm-Standard, BOP, EPLI, Garage Liability, GKLL, Truck Auto Liability, Workers’ Comp
Carrier Status Admitted, Non-admitted States All States
Carrier Status Admitted, Non-admitted States AZ, CA, CO, ID, MD, NE, NM, NV, OR, TN, TX, UT, VA, WA
Cox Specialty Markets
Coverages Garage Keepers Legal Liab, Garage Liability, GL, On-Hook Cargo Carrier Status Admitted States AR, IL, IN, KY, MI, OH, PA, TN, WV
KBK Insurance Group Inc.
Coverages Dealers Open Lot, Garage Keepers Legal Liab, GL, On-Hook Cargo, Property, Umbrella Carrier Status Admitted States All States except AK, HI, MA, NY
Target Managers Insurance Services
Coverages Auto Comm-Standard, BOP, EPLI, Garage Liability, GKLL, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Auto Repossessors
Cox Specialty Markets
Coverages Commercial Auto - Standard & Nonstandard, Garage Keepers Legal Liab, GL, On-Hook Cargo
Carrier Admitted States AR, IL, IN, KY, MI, OH, PA, TN, WV
Prime Insurance Company
Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Dealers Open Lot, Difference in Conditions, Garage Keepers Legal Liab, Garage Liability, GKLL, GL, On-Hook Cargo, Personal Liability, Professional Liability, Property, Rented Property, Wrongful Repo
Carrier Status Non-admitted States All States
Wilkoff Bonds
Coverages Crime, Fidelity, Fidelity Bonds
Carrier Status Admitted States All States
Auto/Truck Leasing Operations
Mexico Insurance Online
Coverages Auto Pers-Nonstandard, Auto Pers-Nonstandard Phys Dmg, Auto Pers-Standard, Auto Pers-Standard Phys Dmg, Emergency Towing & Service, Int’l Coverage - Personal States All States
Philadelphia Insurance Companies
Coverages Lessors Contingent Liab, Lessors Contingent Phys Dmg, Lessors Excess Liab Carrier Status Admitted States All States except LA
Carrier Admitted States All States except LA, MI, NV, NY
Bars/Taverns
Bass Underwriters
Coverages Excess Liab, GL, Liquor Liab, Property, Umbrella States Most States
Business Alliance Insurance Company
Coverages Business Interruption, CGL, Cyber Liab, EPLI, Equipment Breakdown, Liquor Liab, Property States CA
Friedlander Group Inc.
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative)
Carrier Status Admitted States AZ, CO, CT, DC, DE, FL, GA, IL, MD, ME, MI, MN, NC, NE, NH, NJ, NY, PA, RI, SC, TX, VA, VT, WI
Gorst & Compass Insurance
Coverages Business Income, Food Spoilage, GL, Glass, Liability, Liquor Liab, Property Carrier Status Non-admitted States CA
Greene & Associates
Coverages Commercial Excess, Umbrella
Carrier Admitted, Non-admitted States All States except HI
Integrated Specialty Coverages (ISC)
Coverages Assault & Battery, Equipment Breakdown, GL, Liquor Liab, Property Carrier Status Non-admitted States All States
NeitClem Wholesale Insurance Brokerage Inc.
Coverages Assault & Battery, Excess Liab, Fire, Fire Legal Liab, Liability, Liquor Liab Carrier Status Admitted, Non-admitted States AZ, CA, NV, TX
Number One Insurance Agency
Coverages Assault & Battery, Excess Liab, Flood, GL, Liquor Liab, Property, Vacant Building Carrier Status Admitted States MA
Ryan Specialty National Programs
Coverages Assault & Battery, Crime, Employee Benefits, GL, Hired & Non-owned Auto, Liquor Liab, Property Carrier Status Non-admitted States AZ, CA, DE, FL, GA, IL, MA, MD, MI, MN, MO, NC, NY, OH, PA, RI, SC, TN, TX
2026 Annual Program Directory, Summer Edition
Bars/Taverns (continued)
Union General Insurance Services Inc.
Coverages Assault & Battery, Blanket Addt’l Insureds, Blanket Waivers, Business Income, Business Interruption, CGL, Commercial Excess, Completed Operations Liab, Cyber Liability, EPLI, Equipment Breakdown, Excess Liab, Fire, GL, Liability, Liquor Liab, Mechanical Breakdown, Medical Payments, Property, Theft Carrier Status Non-admitted States AR, AZ, CA, NM, NV, OK, OR, TX
Walter General Agency (WGA)
Coverages Abuse & Molestation, Assault & Battery, Blanket Addt’l Insureds, Blanket Waivers, Business Income, Business Interruption, CGL, Commercial Excess, Completed Operations Liab, DIC, Employee Benefits, Equipment Breakdown, Excess Liab, Fiduciary Liab, Fire, Food Spoilage, GL, Glass, Liability, Liquor Liab, Medical Payments, Products Liab, Property, Theft, Umbrella Carrier Status Non-admitted States AR, IA, ID, IL, IN, KS, KY, MO, OK, TN
XPT Specialty
Coverages Assault & Battery, GL, Liquor Liab, Property Carrier Status Admitted, Non-admitted States All States except AK
Beauty/Barber Shops/Salons/Schools/ Supplies
Balance Partners - Maven
Coverages CGL, E&O, Excess Liab, Professional Liability Carrier Status Non-admitted States All States
Bass Underwriters
Coverages GL, Property States Most States
bolt
Coverages Auto Comm-Standard, BOP, Professional Liab, Workers’ Comp Carrier Status Admitted States All States except DC
ERGO NEXT Insurance
Coverages BOP, Excess Liab, GL, Professional Liab, Umbrella, Workers’ Comp Carrier Status Admitted States All States
Professional Program Ins. Brokerage, a Div of SPG Ins. Sol Coverages Abuse & Molestation, Blanket Addt’l Insureds, Cyber Liab, E&O, Equipment Breakdown, Excess Liab, Inland Marine, Liability, Media Liab, Misc Professional Liab, Professional Liab, Property, Sexual Misconduct, Tanning Liab, Teachers Liab Carrier Status Non-admitted States All States
REInsurePro
Coverages Abuse & Molestation, Assault & Battery, Business Income, E&O, Equipment Breakdown, Liability, Professional Liab, Property, Real & Business Personal Prop, Workers’ Comp Carrier Status Non-admitted States All States Risk Placement Services Sacramento
Coverages Crime, Equipment Breakdown, GL, Glass, Inland Marine, Liquor Liab, Professional Liab, Property Carrier Status Admitted, Non-admitted States CA
Roush Insurance Services Inc.
Coverages Assault & Battery, Boiler & Machinery, Business Income, Business Interruption, CGL, Commercial Excess, Crime, Cyber Liab, D&O, E&O, EPLI, Equipment Breakdown, Excess Liab, Fire, GL, Inland Marine, Liability, Pollution, Professional Liab, Property, Real & Business Personal Prop, Tanning Liab, Theft, Tools & Equip, Trade Shows & Festivals Carrier Status Non-admitted States IA, IL, IN, MN, ND, OH, SD, WI
Universal Insurance Programs
Coverages Abuse & Molestation, Business Income, Business Interruption, CGL, Crime, E&O, Employee Benefits, EPLI, Equipment Breakdown, Excess Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Liability, Products Liab, Professional Liab, Property, Real & Business Personal Prop, Stop-Gap, Theft, Umbrella Carrier Status Admitted States All States
Bed & Breakfasts
Friedlander Group Inc.
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States AZ, CO, CT, DC, DE, FL, GA, IL, MD, ME, MI, MN, NC, NE, NH, NJ, NY, PA, RI, SC, TX, VA, VT, WI
Philadelphia Insurance Companies
Coverages Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Boiler & Machinery, Business Income, Care/Custody/Control, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Personal Property, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA
Billiard Parlors
Gorst & Compass Insurance
Coverages Business Income, Liability, Liquor Liab, Property Carrier Status Non-admitted States CA
Billing and Collection Services
Balance Partners - Maven
Coverages CGL, E&O, Excess Liab, Professional Liability Carrier Status Non-admitted States All States
Boat Dealers
Marine Underwriters of America
Coverages Boats, Commercial Marine, Dealers Open Lot, Excess Liab, GL, Hired & Non-owned Auto, Hull, Inland Marine, Liquor Liab, Marina Operators Legal, Piers & Docks, Protection & Indemnity (P&I), Real & Business Personal Prop, Watercraft Liab Carrier Status Admitted States All States
Meramec Secure Inc. / Personal Safeguards Group LLC Coverages Product Extended Warranty, Service Contracts, Warranties, Extended Carrier Admitted States All States
Mexico Insurance Online
Coverages Auto Comm-Nonstandard, Auto CommNonstandard Phys Dmg, Auto Comm-Standard, Auto CommStandard Liability, Int’l Coverage - Personal States All States
Boat Rental Firms
Markel Personal Lines
Coverages Boats, Commercial Marine, Hull, Watercraft Liab Carrier Status Admitted States All States
Sun Coast General Insurance Agency
Coverages GL, Physical Damage Rental Units, Watercraft Liab Carrier Status Admitted, Non-admitted States AK, AZ, CA, FL, NV, OR, UT, WA
Bowling Alleys
McGowan Allied Specialty Insurance
Coverages Auto, CGL, Crime, Equipment Breakdown, Excess Liab, Hired & Non-owned Auto, Inland Marine, Property, Workers’ Comp Carrier Status Admitted States All States
Sports & Wellness Insurance
Coverages Abuse & Molestation, Accident & Health, Crime, Cyber Liab, D&O, GL, Hired & Non-owned Auto, Inland Marine, Property, Umbrella Carrier Status Admitted, Non-admitted States All States
Boys & Girls Clubs
Care Providers Insurance Services
Coverages Abuse & Molestation, Accident & Health, Auto Comm-Standard, Business Interruption, Crime, D&O, EPLI, Excess Liab, GL, Inland Marine, Professional Liab, Property Carrier Status Admitted States All States
Charity First Insurance Services Inc.
Coverages Abuse & Molestation, Auto Comm-Standard, Business Income, CGL, Cyber Liab, Property, Workers’ Comp Carrier Status Admitted States All States
Gateway Specialty Insurance
Coverages Abuse & Molestation, EPLI, GL, Nonprofit D&O, Professional Liab, Property, Umbrella Carrier Admitted, Non-admitted States All States except AK, HI, LA
Great American Ins. Group, Specialty Human Services
Coverages Boiler & Machinery, Business Income, Business Interruption, CGL, Commercial Auto, Commercial Excess, Community/Social Svcs, Completed Operations Liab, Crime, Educator Legal Liab, Equipment Breakdown, Excess Liab, Fidelity, Fine Arts, Fire, GL, Historic Bldgs/Unique Property, Inland Marine, Legal Liab, Liability, Liquor Liab, Medical Payments, Misc Professional Liab, Professional Liab, Property, Real & Business Personal Prop, Sexual Misconduct, Umbrella Carrier Status Admitted States All States except HI, LA, OK
Irwin Siegel Agency
Coverages Abuse & Molestation, Accident & Health, Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Boiler & Machinery, Business Income, CGL, Crime, Cyber Liab, D&O, Environmental Liab, EPLI, Equipment Breakdown, Excess Liab, Fire Legal Liab, GL, HNOA, Inland Marine, Nonprofit D&O, Professional Liability, Property, Sexual Misconduct, Student Accident, Umbrella Carrier Status Admitted, Non-admitted States All States
Nonprofits Insurance Alliance
Coverages Abuse & Molestation, Auto Comm-Standard, Auto Comm-Standard Phys Dmg, Blanket Addt’l Insureds, Business Income, Business Interruption, CGL, Community/Social Svcs, Crime, Developmental Disabilities, EPLI, Fiduciary Liab, Fire Legal Liab, Hired & Non-owned Auto, Inland Marine, Mechanical Breakdown, Misc Professional Liab, Nonprofit D&O, Sexual Misconduct, Umbrella, Uninsured Motorists Carrier Status Non-admitted States Most States
Philadelphia Insurance Companies
Coverages Abuse & Molestation, Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, Cyber Liab, D&O, Employee Benefits, EPLI, Equipment Breakdown, Inland Marine, Participant Accident, Property, Umbrella Carrier Status Admitted States All States except LA
Breweries
and Distilleries
Friedlander Group Inc.
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States AZ, CO, CT, DC, DE, FL, GA, IL, MD, ME, MI, MN, NC, NE, NH, NJ, NY, PA, RI, SC, TX, VA, VT, WI
Great American Insurance Group, Alternative Markets
Coverages Auto Comm-Standard, BOP, CGL, Inland Marine, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Philadelphia Insurance Companies
Coverages Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Liquor Liab, Participant Accident, Professional Liab, Property, Real & Business Personal Prop, Umbrella Carrier Status Admitted States All States except LA
Broadcasters
Amwins - 155+ Locations Worldwide
Coverages Auto Comm-Standard, Business Interruption, Crime, GL, Inland Marine, Property, Umbrella Carrier Status Admitted States All States
Campgrounds
K&K Insurance Group Inc.
Coverages Auto Comm-Standard, Boiler & Machinery, CGL, Crime, D&O, EPLI, Inland Marine, Liquor Liab, Property, Workers’ Comp Carrier Status Admitted States All States except FL
McGowan Allied Specialty Insurance
Coverages Auto Comm-Standard, CGL, Crime, Equipment Breakdown, Excess Liab, Hired & Non-owned Auto, Inland Marine, Property, Workers’ Comp Carrier Status Admitted States All States
Camps
Great American Ins. Group, Specialty Human Services
Coverages Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Boiler & Machinery, Business Income, CGL, Commercial Excess, Community/Social Svcs, Completed Operations Liab, Crime, Educator Legal Liab, Equipment Breakdown, Excess Liab, Fidelity, Fine Arts, Fire Legal Liab, GL, Historic Bldgs/Unique Property, Inland Marine, Legal Liab, Liability, Liquor Liab, Medical Payments, Misc Professional Liab, Property, Real & Business Personal Prop, Sexual Misconduct, Umbrella Carrier Status Admitted States All States except HI, LA, OK
K&K Insurance Group Inc.
Coverages Auto Comm-Standard, Business Income, Crime, GL, Hired & Non-owned Auto, Inland Marine, Property, Workers’ Comp Carrier Status Admitted States All States except FL
Philadelphia Insurance Companies
Coverages Abuse & Molestation, Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Boiler & Machinery, Business Income, Business Interruption, CGL, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, Food Spoilage, GL, Identity Theft, Inland Marine, Participant Accident, Professional Liab, Property, Real & Business Personal Prop, Sexual Misconduct, Umbrella, Uninsured Motorists, Uninsured Personal Injury Carrier Status Admitted States All States except LA
RPS Programs
Coverages Accident & Health, CGL, Crime, D&O, Equipment, Excess Liab Carrier Status Admitted States All States
Sadler Insurance, Div. of Specialty Program Group (SPG)
Coverages Abuse & Molestation, CGL, Crime, EPLI, Equipment, Excess Liab, Hired & Non-owned Auto, Nonprofit D&O, Participant Accident, Watersports Liab Carrier Status Admitted States All States
Sports & Wellness Insurance
Coverages Abuse & Molestation, Accident & Health, Crime, Cyber Liab, D&O, GL, Hired & Non-owned Auto, Inland Marine, Property, Umbrella Carrier Status Admitted, Non-admitted States All States
Cannabis/Marijuana - Dispensary and Growers
Cannasure Insurance Services
Coverages Business Income, Business Interruption, CGL, Completed Operations Liab, EPLI, Equipment, Products Liability, Professional Liability, Property, Stop-Gap Carrier Status Non-admitted States All States
CIS Insurance Services - The Cannabis Insurance Co.
Coverages Bailee/Customer Goods, Blanket Addt’l Insureds, Builders Risk, Business Income, Care/Custody/Control, Cyber Liability, Equipment Breakdown, Excess Liability, Fire Legal Liability, GL, Products Liability, Property, Stop-Gap States All States
Flux Insurance Services LLC
Coverages Auto Comm-Standard, BOP, Cargo, CGL, Commercial Excess, Crime, Cyber Liab, D&O, E&O, Employee Benefits, EPLI, Hired & Non-owned Auto, Inland Marine, Products Liab, Professional Liab, Property, WCMaster Policies/ASO, Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted, Non-admitted States All States
Integrated Specialty Coverages (ISC)
Coverages Employee Benefits, GL, Hired & Non-owned Auto, Lessors Excess Liab, Products Liab, Property Carrier Status Non-admitted States Most States
Legacy Employer Concepts LLC
Coverages EPLI, Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted, Non-admitted States All States
PEO Brokers Group
Coverages WC - Master Policies/ASO, Workers’ Comp, Workers’ Comp Plus (Alternative) States All States
SPG Wholesale
Coverages GL, Property Carrier Status Non-admitted States All States
StateFund First, a division of Arthur J Gallagher & Co. Insurance Brokers of CA Inc.
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States CA
Casinos
Distinguished Programs
Coverages Cyber Liability, Liability, Umbrella Carrier Status Admitted, Non-admitted States All States
Caterers
ERGO NEXT Insurance
Coverages BOP, Cyber Liab, EPLI, Food Borne Illness, GL, Liquor Liab, Workers’ Comp Carrier Status Admitted States All States
Friedlander Group Inc.
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States AZ, CO, CT, DC, DE, FL, GA, IL, MD, ME, MI, MN, NC, NE, NH, NJ, NY, PA, RI, SC, TX, VA, VT, WI
InsuranceHelper.com
Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Completed Operations Liab, GL, Hired & Non-owned Auto, Liability, Liquor Liability, Medical Payments, Personal Liability, Products Liability, Trade Shows & Festivals Carrier Status Non-admitted States All States
The McGowan Companies
Coverages Commercial Excess, Umbrella Carrier Status Admitted States All States
XPT Specialty
Coverages Business Income, Business Interruption, CGL, Fire, Fire Legal Liability, Liability, Medical Payments, New Occurrence, Products Liability, Property Carrier Admitted, Non-admitted States All States except AK
Cemeteries
Brownyard Group
Coverages Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Boiler & Machinery, Business Income, Business Interruption, CGL, Commercial Excess, Crime, Cyber Liab, D&O, E&O, EPLI, Equipment, Equipment Breakdown, Fine Arts, Fire, GL, Hail, Hired & Non-owned Auto, Inland Marine, Liability, Nonprofit D&O, Personal Property, Professional Liab, Property, Theft, Tools & Equip, Workers’ Comp Carrier Status Admitted States All States except AK, FL, HI, WA
2026 Annual Program Directory, Summer Edition
Chemical Manufacturers/Distributors
ChemPlan - Chemical Insurance
Coverages Auto Comm-Standard, CGL, Environmental Liab, Property, Umbrella Carrier Status Admitted States All States
MAXIMUM
Coverages Boiler & Machinery, Builders Risk, Business Income, Business Interruption, Catastrophe, Difference in Conditions, Earthquake, Equipment, Equipment Breakdown, GL, Hurricane, Property, Umbrella Carrier Status Admitted, Non-admitted States All States
NeitClem Wholesale Insurance Brokerage Inc.
Coverages Blanket Addt’l Insureds, Completed Operations Liab, Equipment, Foreign GL, Inland Marine, Liability, Pollution, Product Extended Warranty, Products Liab Carrier Admitted, Non-admitted States AZ, CA, NV, TX
Child Care/Day Care Centers
Greene & Associates
Coverages Commercial Excess, Umbrella Carrier Admitted, Non-admitted States All States except HI
Nonprofits Insurance Alliance
Coverages Abuse & Molestation, Auto Comm-Standard, Auto Comm-Standard Phys Dmg, Blanket Addt’l Insureds, Business Income, Business Interruption, CGL, Community/Social Svcs, Crime, Developmental Disabilities, EPLI, Fiduciary Liab, Fire Legal Liab, Hired & Non-owned Auto, Inland Marine, Liquor Liab, Mechanical Breakdown, Misc Professional Liab, Nonprofit D&O, Sexual Misconduct, Umbrella, Uninsured Motorists Carrier Status Non-admitted States Most States
River Valley Underwriters Inc.
Coverages Abuse & Molestation, Abusive Acts, Business Income, Business Interruption, CGL, Commercial Excess, Crime, E&O, Personal Property, Professional Liab, Property, Real & Business Personal Prop Carrier Status Non-admitted
States Most States
Walter General Agency (WGA)
Coverages Abuse & Molestation, CGL, Excess Liab, GL, Professional Liab, Property, Umbrella Carrier Status Non-admitted States IL, MO
Wholesure
Coverages Abuse & Molestation, Liability, Misc Professional Liab, Umbrella, Workers’ Comp Carrier Status Non-admitted States All States
Chiropractors
Integrated Specialty Coverages (ISC)
Coverages Abuse & Molestation, Addt’l Expense, Employee Benefits, GL, Hired & Non-owned Auto, Medical Professional Carrier Status Non-admitted States All States
Churches/Religious Institutions
AMIS/Alliance Marketing & Insurance Services LLC
Coverages Auto Comm-Standard Liability & Physical Damage, D&O, Equipment Breakdown, Liability, Property, Workers’ Comp Carrier Status Admitted States All States
Care Providers Insurance Services
Coverages Abuse & Molestation, Accident & Health, Auto Comm-Standard, Crime, D&O, EPLI, Excess Liab, GL, Inland Marine, Professional Liab, Property Carrier Status Admitted States All States
Element22 Insurance Services
Coverages Catastrophe, Fire, Hurricane, Wind Carrier Status Non-admitted States AL, AR, FL, GA, KS, LA, MA, MS, NC, OK, PA, SC, TN, TX, VA
Gateway Specialty Insurance
Coverages Abuse & Molestation, EPLI, GL, Nonprofit D&O, Professional Liab, Property, Umbrella Carrier Admitted, Non-admitted States All States except AK, HI, LA
Gorst & Compass Insurance
Coverages CGL, Glass, Property Carrier Status Non-admitted States CA
Irwin Siegel Agency
Coverages Abuse & Molestation, Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Boiler & Machinery, Business Income, CGL, Crime, Cyber Liab, D&O, Excess Liability, GL, Inland Marine, Nonprofit D&O, Professional Liability, Property, Sexual Misconduct, Umbrella Carrier Status Admitted, Non-admitted States All States
Philadelphia Insurance Companies
Coverages Abuse & Molestation, Auto, Boiler & Machinery, Business Income & Interruption, CGL, Crime, D&O, Employee Benefits, EPLI, Fiduciary Liab, Fine Arts, Fire Legal Liab, GL, Glass, Hired & Non-owned Auto, Identity Theft, Inland Marine, Participant Accident, Professional Liab, Property, Real & Business Personal Prop, Sexual Misconduct, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA
Promont Insurance Advisors
Coverages Abuse & Molestation, CGL, Commercial Excess, D&O, Employee Benefits, EPLI, Excess Liab, Hired & Non-owned Auto, Professional Liab, Property, Religious Institutions Carrier Status Non-admitted States All States
Shelly, Middlebrooks & O’Leary Inc.
Coverages Abuse & Molestation, Business Income, Business Interruption, CGL, Crime, D&O, EPLI, Excess Liab, Nonprofit D&O Carrier Status Non-admitted States FL, GA, NC, SC, TX
Union General Insurance Services Inc.
Coverages Abuse & Molestation, Blanket Addt’l Insureds, Blanket Waivers, BOP, CGL, D&O, Equipment Breakdown, Excess Liab, Fire, GL, Glass, Hired & Non-owned Auto, Liability, Medical Payments, Nonprofit D&O, Professional Liab, Property, Religious Institutions, Theft Carrier Status Admitted, Non-admitted States AR, AZ, CA, NM, NV, OK, OR, TX
Wholesure
Coverages Abuse & Molestation, BOP, CGL, Liability, Professional Liab, Property, Religious Institutions, Sexual Misconduct Carrier Status Non-admitted States All States
Claims Adjusters
Balance Partners - Maven
Coverages CGL, E&O, Excess Liab, Professional Liab Carrier Status Non-admitted States All States
Commercial Building Owners
Applied Underwriters Inc.
Coverages Builders Risk, Combo Personal & Commercial, Commercial Excess, Workers’ Comp Carrier Status Admitted States All States
bolt
Coverages Auto Comm-Standard, BOP, Property, Workers’ Comp Carrier Status Admitted States All States except DC
Business Alliance Insurance Company
Coverages BOP, Equipment Breakdown Carrier Status Admitted States CA
CID Insurance Programs Inc.
Coverages Apartment House Package, BOP, Business Income, CGL, Commercial Excess, Crime, Cyber Liab, EPLI, Fidelity, GL, Hired & Non-owned Auto, Liability, Loss of Use, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States AZ, CA, CO, ID, MD, NE, NM, NV, OR, PA, TN, TX, UT, VA, WA
Continental Underwriters
Coverages Combo Personal & Commercial, Commercial Excess, Crime, Cyber Liab, Employee Benefits, Equipment Breakdown, GL, Inland Marine, Int’l Coverage - Commercial, Property, Umbrella, Wind, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
DeCotis Specialty Insurance
Coverages Apartment House Package, Business Income, CGL, Commercial Excess, Flood, Medical Payments, Property, Vacant Building, Wind Carrier Status Non-admitted States CT, DC, DE, MA, MD, ME, NH, NJ, PA, RI, VA, VT
Distinguished Programs
Coverages CGL, Cyber Liab, GL, Property, Umbrella Carrier Status Admitted, Non-admitted States All States
Flow Insurance Services
Coverages Excess Flood, Flood Carrier Status Non-admitted States All States
Greenwood General Insurance Agency
Coverages Historic Bldgs/Unique Property, Property, Vacant Building States AZ, CA, NV, OR, TX, WA
Hinterland Insurance
Coverages Builders Risk, CGL, Property, Vacant Building Carrier Status Non-admitted States All States
MAXIMUM
Coverages Builders Risk, Business Income, Business Interruption, Catastrophe, Earthquake, Equipment, Equipment Breakdown, Flood, GL, Property, Umbrella Carrier Status Admitted, Non-admitted States All States
MG Skinner & Associates
Coverages Apartment House Package, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, Cyber Liab, D&O, E&O, Earthquake, EPLI, Excess Liab, Flood, Misc Professional Liab, Professional Liab, Property, Tenant Discrimination, Umbrella, Wind, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
NeitClem Wholesale Insurance Brokerage Inc.
Coverages Assault & Battery, Business Income, CGL, COC, Difference in Conditions, Liability, Property
Carrier Admitted, Non-admitted States AZ, CA, NV, TX
2026 Annual Program Directory, Summer Edition
Commercial Building Owners (continued)
Pennsylvania Lumbermens Mutual Insurance Company
Coverages Auto Comm-Standard, CGL, Commercial Marine, EPLI, Equipment Breakdown, Inland Marine, Liability, Property, Umbrella Carrier Status Admitted States All States
Preferred Concepts LLC
Coverages Excess Liab, GL, Umbrella Carrier Status Admitted States All States
Promont Insurance Advisors
Coverages CGL, Property Carrier Status Non-admitted States All States
Roush Insurance Services Inc.
Coverages Apartment House Package, Auto Comm-Standard, Blanket Addt’l Insureds, Blanket Waivers, Boiler & Machinery, Business Income, Business Interruption, CGL, Commercial Excess, Crime, D&O, E&O, EPLI, Excess Liab, Fire, Foreclosed Properties, GL, Historic Bldgs/Unique Property, Inland Marine, Installation Floaters, Liability, OCP, Pollution Liability, Property, Real & Business Personal Prop, Rented Property, Tenant Discrimination, Theft, Vacant Building Carrier Non-admitted States IA, IL, IN, MN, ND, OH, SD, WI
Southwest Risk
Coverages Builders Risk, CGL, Property, Umbrella Carrier Status Admitted, Non-admitted States All States
Sun Coast General Insurance Agency
Coverages BOP, Legal Liab, Lessors Contingent Liab, Lessors Contingent Phys Dmg, Liability, Property Carrier Status Admitted, Non-admitted States CA
Victor Insurance Managers LLC
Coverages Builders Risk, Cyber Liab Carrier Status Admitted States All States except HI
Commercial Marine Companies
LIG Marine Managers
Coverages Boats, Builders Risk, Care/Custody/Control, CGL, Commercial Excess, Commercial Marine, Completed Operations Liab, Federal LHWCA, Foreign GL, Hull, Inland Marine, Legal Liab, Marina Operators Legal, Piers & Docks, Pollution Liab, Protection & Indemnity (P&I), Ship Repairers Legal, Umbrella, Wet Marine, Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States
Marine Underwriters of America
Coverages Boats, Commercial Marine, Excess Liab, GL, Hull, Inland Marine, Piers & Docks, Protection & Indemnity (P&I), Ship Repairers Legal Carrier Status Admitted States All States
Markel Personal Lines
Coverages Boats, Commercial Marine, Hull, Pollution Liab, Watercraft Liab Carrier Status Admitted States All States
The American Equity Underwriters Inc.
Coverages MEL, USL&H, Workers’ Comp States All States
Community Associations
Amwins - 155+ Locations Worldwide
Coverages Auto Comm-Standard, Crime, Earthquake, Equipment Breakdown, Flood, GL, Inland Marine, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States
CID Insurance Programs Inc.
Coverages Cyber Liab, D&O, EPLI, Excess Liab, Fidelity, GL, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States AZ, CA, CO, ID, MD, NE, NM, NV, OR, PA, TN, TX, UT, VA, WA
Community Association Insurance Solutions LLC
Coverages Crime, Workers’ Comp Carrier Status Admitted States All States
Distinguished Programs
Coverages CGL, Crime, Cyber Liab, D&O, GL, Umbrella Carrier Status Admitted, Non-admitted States All States
GIG Insurance Group Inc.
Coverages Crime, D&O, EPLI, Workers’ Comp
Carrier Status Admitted States All States except AK, NY
Kevin Davis Insurance Services
Coverages Crime, Cyber Liability, D&O, Excess Liability Carrier Status Admitted States All States
MG Skinner & Associates
Coverages CGL, Crime, Cyber Liab, D&O, GL, Nonprofit D&O, Property, Umbrella Carrier Status Admitted, Non-admitted States All States
Shelly, Middlebrooks & O’Leary Inc.
Coverages Abuse & Molestation, Business Income, Business Interruption, CGL, Commercial Excess, Crime, Cyber Liab, D&O, E&O, EPLI, Equipment, Excess Liab, Nonprofit D&O Carrier Status Non-admitted States FL, GA, NC, SC, TX
Starwind Community Associations
Coverages Boiler & Machinery, Business Income, CGL, Crime, Cyber Liab, Difference in Conditions, Employee Benefits, Environmental Liab, EPLI, Excess Flood, Fire, Garage Keepers Legal Liab, GL, Homeowners Pkg, Liability, Nonprofit D&O, Pool & Spa Liab, Property, Umbrella, Wind, Workers’ Comp Carrier Non-admitted States AL, CA, FL, GA, KY, TN, TX
The McGowan Companies
Coverages Commercial Excess, D&O, EPLI, Excess Liab, Fidelity, Fidelity Bonds, Fiduciary Liab, Umbrella Carrier Status Admitted States All States
Community Banks/Credit Unions
Proctor Loan Protector
Coverages Blanket Forced Placed, E&O, Excess Flood, Force Place Fire Coverage, Foreclosed Properties, High Valued Homes, Mobile Home Package, Mortgage Impairment, Mortgage REO Cvrg, Rented Property, Residential Property Carrier Status Non-admitted States All States
Ryan Specialty National Programs
Coverages Collateral Protection, Force Place Fire Cvrg, GL, Mortgage Impairment, Mortgage REO Cvrg, Property, Vacant Building Carrier Status Non-admitted States All States
Unitas Financial Services
Coverages Blanket Forced Placed, Collateral Protection, Equipment, Flood, Force Place Fire Cvrg, Mortgage Impairment, Mortgage REO Cvrg Carrier Status Admitted, Non-admitted States All States except AK
Community/Social Services
Care Providers Insurance Services
Coverages Abuse & Molestation, Accident & Health, Auto Comm-Standard, Crime, D&O, EPLI, Excess Liab, GL, Inland Marine, Professional Liab, Property Carrier Status Admitted States All States
Charity First Insurance Services Inc.
Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, Business Income, CGL, Crime, Cyber Liab, EPLI, Inland Marine, Nonprofit D&O, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States
Gateway Specialty Insurance
Coverages Abuse & Molestation, EPLI, GL, Nonprofit D&O, Professional Liab, Property, Umbrella Carrier Admitted, Non-admitted States All States except AK, HI, LA
Great American Ins. Group, Specialty Human Services
Coverages Abuse & Molestation, Auto Comm-Nonstandard, Blanket Addt’l Insureds, Business Income, CGL, Commercial Excess, Community/Social Svcs, Crime, Educator Legal Liab, Employee Benefits, Equipment Breakdown, Excess Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Inland Marine, Misc Professional Liability, Professional Liability, Umbrella Carrier Status Admitted States All States except HI, LA, OK
Irwin Siegel Agency
Coverages Abuse & Molestation, Accident & Health, Addiction Treatment, Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Boiler & Machinery, Business Income, CGL, Community/Social Svcs, Crime, Cyber Liab, D&O, Developmental Disabilities, Excess Liab, GL, Inland Marine, Mental Health Care, Nonprofit D&O, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States
Nonprofits Insurance Alliance
Coverages Abuse & Molestation, Auto Comm-Standard, Auto Comm-Standard Phys Dmg, Blanket Addt’l Insureds, Business Income, Business Interruption, CGL, Community/Social Svcs, Crime, Developmental Disabilities, EPLI, Fiduciary Liab, Fire Legal Liab, Hired & Non-owned Auto, Inland Marine, Liquor Liab, Mechanical Breakdown, Misc Professional Liab, Nonprofit D&O, Sexual Misconduct, Umbrella, Uninsured Motorists Carrier Status Non-admitted States Most States
Philadelphia Insurance Companies
Coverages Abuse & Molestation, Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, Food Spoilage, GL, Hired & Non-owned Auto, Identity Theft, Participant Accident, Professional Liab, Property, Real & Business Personal Prop, Sexual Misconduct, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA
Venture Insurance Programs
Coverages Auto Comm-Standard, Crime, Cyber Liability, D&O, GL, Inland Marine, Liquor Liab, Medical Malpractice, Professional Liability, Property, Real & Business Personal Prop, Sexual Misconduct, Umbrella Carrier Status Admitted States All States
Computer Consultants/Programmers/ Designers
Apogee Insurance Group, a Berkshire Hathaway Company
Coverages Crime, Cyber Liab, D&O, EPLI, GL, Media Liab, Pollution Liab, Professional Liab Carrier Status Admitted, Non-admitted States All States
Philadelphia Insurance Companies
Coverages BOP, E&O Carrier Status Admitted States All States except LA
Professional Underwriters Agency (PUA)
Coverages Products Liability, Professional Liability Carrier Status Admitted, Non-admitted States All States Shelly, Middlebrooks & O’Leary Inc.
Coverages Abuse & Molestation, Business Income, Business Interruption, CGL, Commercial Excess, Crime, Cyber Liab, D&O, E&O, EPLI, Equipment, Excess Liab, Professional Liab Carrier Status Non-admitted States FL, GA, NC, SC, TX
Concessionaires and Vendors
Alive Risk
Coverages Abuse & Molestation, CGL, Event Cancellation, Excess Liab, Hired & Non-owned Auto, Prize Indemnification, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
InsuranceHelper.com
Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Completed Operations Liab, GL, Hired & Non-owned Auto, Liability, Liquor Liability, Medical Payments, Personal Liability, Products Liab, Trade Shows & Festivals Carrier Status Non-admitted States All States
Roush Insurance Services Inc.
Coverages Bailee/Customer Goods, Care/Custody/Control, CGL, Commercial Marine, Equipment Breakdown, Excess Liab, Fire, Food Spoilage, Inland Marine, Liability, Liquor Liab, Medical Payments, Portable Equip, Property, Real & Business Personal Property, Spoilage, Tools & Equip, Trade Shows & Festivals Carrier Status Non-admitted States IA, IL, IN, MN, ND, OH, SD, WI
Concrete Pumper Firms
Norman-Spencer Agency LLC
Coverages
Condo Associations
Amalgamated Insurance Underwriters Coverages Boiler & Machinery, Earthquake, Flood, Property Carrier Status Non-admitted States All States except CO, FL, HI, LA, NY, TX
Berkley Luxury Group, a W.R. Berkley Company
Coverages CGL, Cyber Liab, GKLL, Hired & Non-owned Auto, Property Carrier Status Admitted, Non-admitted States AZ, CO, DC, GA, IL, IN, MA, MD, MI, MN, NC, NJ, NM, NY, OH, PA, SC, TN, VA, WI
Community Association Insurance Solutions LLC
Coverages Crime, Workers’ Comp Carrier Status Admitted States All States
Distinguished Programs
Coverages CGL, Crime, D&O, GL, Property, Umbrella Carrier Status Admitted, Non-admitted States All States
Element22 Insurance Services
Coverages Catastrophe, Hail, Hurricane, Property, Weather, Wind Carrier Status Non-admitted States AL, FL, GA, LA, NC, SC, TX, VA
Flood Risk Solutions Inc.
Coverages Addt’l Living Expense, Builders Risk, Business Income, Business Interruption, Commercial Excess, Excess Flood, Flood, Personal Property Carrier Status Non-admitted States All States
HabPro Insurance
Coverages Business Income, Equipment Breakdown, Hired & Non-owned Auto, Property Carrier Status Non-admitted States All States except AK, FL, HI, LA
Kevin Davis Insurance Services
Coverages Crime, Cyber Liability, D&O, Excess Liability Carrier Status Admitted States All States
MG Skinner
Admitted,
Philadelphia Insurance Companies
Coverages Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, Employee Benefits, Equipment Breakdown, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Inland Marine, Participant Accident, Professional Liab, Property, Real & Business
Personal Prop, Umbrella, Uninsured Motorists Carrier Status
Coverages Boiler & Machinery, Earthquake, Flood, Property Carrier Status Non-admitted States All States except CO, FL, HI, LA, NY, TX
Apogee Insurance Group, a Berkshire Hathaway Co.
Coverages Crime, Cyber Liab, D&O, EPLI, GL, Media Liab, Pollution Liab, Professional Liab Carrier Status Admitted, Non-admitted States All States
Bass Underwriters
Coverages GL, Professional Liab, Property States Most States
Berkley Select | a Berkley Company
Coverages E&O, EPLI, Nonprofit D&O
Carrier Status Admitted, Non-admitted States All States
bolt
Coverages Auto Comm-Standard, BOP, D&O, Property, Workers’ Comp Carrier Status Admitted
States All States except DC
Community Association Insurance Solutions LLC
Coverages Crime, Workers’ Comp Carrier Status Admitted States All States
DeCotis Specialty Insurance
Coverages Business Income, CGL, Medical Payments, Property, Wind Carrier Status Non-admitted States CT, DE, MA, MD, ME, NH, NJ, RI, VA, VT
Distinguished Programs
Coverages CGL, Crime, D&O, GL, Property, Umbrella Carrier Status Admitted, Non-admitted States All States
Flow Insurance Services
Coverages Excess Flood, Flood Carrier Status Non-admitted States All States
HabPro Insurance
Coverages Business Income, Equipment Breakdown, Hired & Non-owned Auto, Property Carrier Status Non-admitted States All States except AK, FL, HI, LA
Hull & Company
Coverages Assault & Battery, CGL, D&O, Difference in Conditions, Equipment Breakdown, Excess Flood, GKLL, Property, Umbrella Carrier Status Non-admitted States All States
Kevin Davis Insurance Services
Coverages Crime, Cyber Liab, D&O, Excess Liability Carrier Status Admitted States All States
MG Skinner & Associates
Coverages Boiler & Machinery, Crime, D&O, Earthquake, Excess Liab, Flood, GL, Property, Umbrella, Wind Carrier Status Admitted, Non-admitted States All States
NeitClem Wholesale Insurance Brokerage Inc.
Coverages GL, Property Carrier Status Admitted, Non-admitted States AZ, CA, NV, TX
Philadelphia Insurance Companies
Coverages Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, Employee Benefits, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Inland Marine, Participant Accident, Professional Liab, Property, Real & Business Personal Prop, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA
Quirk & Company
Coverages CGL, D&O, Excess Flood, Flood, Property Carrier Admitted, Non-admitted States LA, OK, OR, TX, WA
Risk Placement Services Sacramento
Coverages D&O, Property Carrier Status Admitted, Non-admitted States AZ
South & Western General Agency Inc.
Coverages GL, Nonprofit D&O, Professional Liab Carrier Status Non-admitted States AR, MS, OK, TN, TX
2026 Annual Program Directory, Summer Edition
Starwind Community Associations
Coverages Boiler & Machinery, Business Income, CGL, Crime, Cyber Liab, Difference in Conditions, Employee Benefits, Environmental Liab, EPLI, Excess Flood, Fire, Flood, Garage Keepers Legal Liability, GL, Homeowners Pkg, Liability, Nonprofit D&O, Pool & Spa Liability, Property, Umbrella, Wind, Workers’ Comp Carrier Status Non-admitted States AL, CA, FL, GA, KY, TN, TX
UCA General Insurance Services Inc.
Coverages CGL, Cyber Liab, D&O, Equipment Breakdown, Fire Legal Liab, Hired & Non-owned Auto, Medical Payments, Property, Umbrella Carrier Status Non-admitted States AZ, CA, ID, NV, OR, UT, WA
US Assure
Coverages Builders Risk, Business Income, COC, Earthquake, Fire, Flood, Hail, High Valued Homes, Hurricane, Installation Floaters, Residential Property, Theft, Weather, Wind Carrier Status Admitted States All States
Condominium Owners
Flood Risk Solutions Inc.
Coverages Addt’l Living Expense, Builders Risk, Business Income, Business Interruption, Commercial Excess, Excess Flood, Flood, Personal Property Carrier Status Non-admitted States All States
Flow Insurance Services
Coverages Excess Flood, Flood Carrier Status Non-admitted States All States
MG Skinner & Associates
Coverages Addt’l Living Expense, Earthquake, Fine Arts, Flood, Food Spoilage, Homeowners Pkg, Loss of Use, Personal Liab, Personal Property, Personal Umbrella, Property, Theft, Umbrella, Wind Carrier Status Admitted, Non-admitted States All States
REInsurePro
Coverages Builders Risk, Business Income, CGL, Dwelling Fire, Earthquake, Equipment Breakdown, Flood, Foreclosed Properties, Hail, Hurricane, Liability, Medical Payments, Property, Real & Business Personal Prop, Rented Property, Residential Property, Tenant Discrimination, Theft, Vacant Building, Wind Carrier Status Non-admitted States All States except FL, LA, NY
Construction Managers
PartnerOne Environmental
Coverages E&O, Environmental Liab, Pollution, Pollution Liab, Transportation Pollution Liab States All States
Pennsylvania Lumbermens Mutual Insurance Company
Coverages Auto Comm-Standard, CGL, Commercial Marine, EPLI, Equipment Breakdown, Inland Marine, Liability, Property, Umbrella Carrier Status Admitted States All States
Professional Underwriters Agency (PUA)
Coverages Pollution Liability, Professional Liability Carrier Status Admitted, Non-admitted States All States
US Assure
Coverages Builders Risk, Business Income, COC, Contractors Equip, Earthquake, Fire, Flood, High Valued Homes, Hurricane, Installation Floaters, Residential Property, Theft, Tools & Equip, Weather, Wind Carrier Status Admitted States All States
Construction Wrap-Up
MAXIMUM
Coverages Excess Liability, GL, Umbrella
Carrier Status Admitted, Non-admitted States All States
Wrap Up Insurance Solutions
Coverages Excess Liab, Liability, Workers’ Comp
Carrier Status Admitted, Non-admitted States All States
Consultants-All Kinds
AMIS/Alliance Marketing & Insurance Services LLC
Coverages Auto Comm-Standard Liability & Physical Damage, BOP, Liability, Professional Liab, Property, Workers’ Comp
Carrier Status Admitted States All States
Norman-Spencer International Inc.
Coverages E&O, Professional Liab Carrier Status Admitted States All States except AK, HI
Professional Underwriters Agency (PUA)
Coverages E&O, Professional Liab Carrier Status Admitted, Non-admitted States All States
Western Surplus Lines Agency Inc.
Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Contractors Equip, Control of Well, Excess Liab, Inland Marine, Medical Payments, Misc Professional Liab, Pollution Liability Carrier Status Non-admitted States LA, ND, NM, OK, TX
Consultants-Environmental
Access E&S Insurance Services
Coverages Excess Liab, Liability, Pollution Liab, Professional Liab Carrier Status Non-admitted States AR, DC, DE, GA, IL, MD, NC, NJ, NY, OH, PA, SC, TN, TX, VA
Freberg Environmental Inc.
Coverages CGL, E&O, Environmental Liab, EPLI, GL, Hired & Non-owned Auto, Pollution, Pollution Liab, Professional Liab, Transportation Pollution Liab, Umbrella Carrier Status Non-admitted States All States
PartnerOne Environmental
Coverages CGL, E&O, Pollution Carrier Status Non-admitted States All States
SPG Environmental
Coverages CGL, E&O, Environmental Liab, Pollution, Pollution Liab, Transportation Pollution Liab, Workers’ Comp States All States
Victor Insurance Managers LLC
Coverages Business Interruption, Cyber Liab, E&O, Liability, Pollution, Pollution Liability, Professional Liability Carrier Status Admitted, Non-admitted States All States
Contractors
Amwins - 155+ Locations Worldwide
Coverages Equipment, Excess Liab, GL, Umbrella Carrier Status Admitted, Non-admitted States All States
Applied Underwriters Inc.
Coverages Builders Risk, Commercial Excess, Workers’ Comp Carrier Status Admitted States All States
Ascendant Insurance Solutions
Coverages Auto Comm-Standard, Contractors Equip, Excess Liab, GL, Workers’ Comp Carrier Status Admitted States AL, AZ, CA, CO, CT, DC, FL, GA, IL, KY, LA, MA, MD, NC, NJ, NM, NV, NY, PA, SC, TN, TX, VA, VT, WY
Builders & Tradesmen’s Insurance Services Inc. (BTIS)
Coverages Auto - Standard & Nonstandard, Builders Risk, CGL, COC, Contractors Equip, Excess Liab, GL, Inland Marine, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States All except AK, FL, HI, MD, NY, VT
We provide tailor-made solutions designed to meet the needs of each client. In addition to competitive pricing, we offer:
• A.M. Best rating of A- (Excellent)
• Competitive commissions
• No volume or premium requirements
• Simplified annual audits
• Attentive customer service from a live representative
Working with us is easy. We operate on an open brokerage basis and do everything in-house. We entertain hard-to-place risks with the following characteristics:
• Experience-rated business
• Premium up to $500,000
• High mods accepted
Additional States coming in 2026
844-761-8400
sales@omahanational.com
2026 Annual Program Directory, Summer Edition
Contractors (continued)
CID Insurance Programs Inc.
Coverages Blanket Addt’l Insureds, Contractors Equip, Crime, Equipment Breakdown, Excess Liab, Inland Marine, Medical Payments, Pollution Liab, Professional Liab, Property Carrier Status Admitted, Non-admitted
States AZ, CA, CO, MD, NM, NV, OR, TN, TX, UT, VA, WA
Cowbell Cyber
Coverages Breach of Security, Business Income, Business Interruption, Cyber Liab Carrier Status Admitted States All States except HI
ERGO NEXT Insurance
Coverages CGL, E&O, Equipment, Professional Liab Carrier Status Admitted States All States
Greene & Associates
Coverages CGL, GL Carrier Status Non-admitted States NY
Greenwood General Insurance Agency
Coverages GL, Insurance Broker Bonds States AZ, CA, OR, TX, WA
Hinterland Insurance
Coverages CGL, Inland Marine Carrier Status Non-admitted States CA
Integrated Specialty Coverages (ISC)
Coverages Blanket Addt’l Insureds, Blanket Waivers, BOP, Builders Risk, CGL, COC, Contractors Equip, Contractors License Bonds, GL, Inland Marine, Motor Truck Cargo, Non-Trucking Liability, Pollution, Professional Liab, Tools & Equip, Workers’ Comp Carrier Status Non-admitted States All States
JC Wilson Consulting Inc.
Coverages Boiler & Machinery, Equipment Breakdown, Product Extended Warranty, Service Contracts, Warranties, Extended Carrier Status Admitted States All States
Lancer Insurance Company
Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg Carrier Status Admitted States CT, NJ, NY, PA
National Elevator Ins. Solutions / HUB International Coverages Auto Comm-Standard, GL, Installation Floaters, OCP, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States except HI
National Indemnity Company
Coverages Auto Comm-Nonstandard, Auto CommNonstandard Phys Dmg, Liability, Medical Payments, Products Liab, Uninsured Motorists Carrier Status Admitted, Non-admitted States All States except HI, MA, NJ, NY
NeitClem Wholesale Insurance Brokerage Inc.
Coverages Blanket Addt’l Insureds, Completed Operations Liab, Contractors Equip, Excess Liab, Hired & Non-owned Auto, Liability, Medical Payments, Pollution, Pollution Liab, Professional Liab, Residential `wrap-up`, Tools & Equip, Umbrella Carrier Status Admitted, Non-admitted States AZ, CA, NV, TX
Omaha National
Coverages Workers’ Comp Carrier Status Admitted States Most States
Oryx Insurance Brokerage Inc.
Coverages Auto Comm-Standard, GL, Umbrella, Workers’ Comp Carrier Status Admitted States CT, DE, MD, NJ, NY, PA, VT
PEO Brokers Group
Coverages WC - Master Policies/ASO, Workers’ Comp, Workers’ Comp Plus (Alternative) States All States
Philadelphia Insurance Companies
Coverages Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Boiler & Machinery, Business Income, Care/Custody/Control, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Legal Expense Ins, Personal Property, Professional Liab, Protection & Indemnity (P&I), Umbrella, Uninsured Motorists Carrier Status Admitted, Non-admitted States All States except LA, NY
Professional Underwriters Agency (PUA)
Coverages Pollution Liability, Professional Liability States All States
REInsurePro
Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Completed Operations Liab, Excess Liab, Products Liab Carrier Status Non-admitted States All States except CO, LA, NJ, NY
Risk Placement Services Sacramento
Coverages Auto Comm-Standard, Blanket Addt’l Insureds, Contractors Equip, EPLI, Equipment, GL, Property Carrier Status Non-admitted States CA
Coverages Commercial Auto - Standard & Nonstandard, Blanket Addt’l Insureds, Blanket Waivers, Builders Risk, Business Income, Business Interruption, CGL, Commercial Excess, Completed Operations Liab, Contractors Equip, DIC, Equipment Breakdown, Excess Liab, Fire, Inland Marine, Installation Floaters, Liability, Medical Payments, OCP, Property, Tools & Equip, Umbrella Carrier Non-admitted States AR, IA, IL, IN, KS, KY, MO, OK, TN
XPT Specialty
Coverages Blanket Addt’l Insureds, Builders Risk, CGL, COC, Completed Operations Liab, Contractors Equip, Fire Legal Liab, Medical Payments, New Occurrence, Pollution Liab, Tools & Equip Carrier Status Admitted, Non-admitted States All States except AK
Contractors-Air Conditioning
Builders & Tradesmen’s Insurance Services Inc. (BTIS)
Coverages CGL, GL Carrier Status Non-admitted States NY
Integrated Specialty Coverages (ISC)
Coverages CGL, GL Carrier Status Non-admitted
States All States
Legacy Employer Concepts LLC
Coverages EPLI, Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted, Non-admitted
States All States
Norman-Spencer Agency LLC
Coverages GL, Inland Marine, Property, Umbrella, Workers’ Comp Carrier Status Non-admitted States All States
Omaha National
Coverages Workers’ Comp Carrier Status Admitted States Most States
Oryx Insurance Brokerage Inc.
Coverages Auto Comm-Standard, GL, Umbrella, Workers’ Comp Carrier Status Admitted States CT, DE, MD, NJ, NY, PA, VT
REInsurePro
Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Completed Operations Liab, Excess Liab, Products Liab Carrier Status Non-admitted States All States except CO, LA, NJ, NY
Shield Commercial Insurance Services
Coverages General Liability, Excess Liability, Inland Marine, Workers’ Comp, CPPL Carrier Status Non-admitted States Most States
Contractors-Alarm
Brownyard Group
Coverages Assault & Battery, Auto Comm-Standard, Blanket Addt’l Insureds, Care/Custody/Control, CGL, Commercial Excess, Crime, E&O, Excess Liability, Fidelity, Fidelity Bonds, Fire Legal Liab, GL, Inland Marine, Liability, Lost Key, Professional Liability, Property Carrier Status Admitted States All States except NE
Integrated Specialty Coverages (ISC)
Coverages CGL, GL Carrier Status Non-admitted States All States
Integrated Underwriters ®
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted, Non-admitted States Most States
Omaha National Coverages Workers’ Comp Carrier Status Admitted States Most States
Philadelphia Insurance Companies
Coverages Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Boiler & Machinery, Business Income, Care/Custody/Control, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Legal Expense Ins, Personal Property, Professional Liab, Protection & Indemnity (P&I), Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA
Carrier Status Non-admitted States All States except CO, LA, NJ, NY
Ryan Specialty National Programs
Coverages Auto Comm-Nonstandard, Care/Custody/Control, E&O, Excess Liab, GL, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
The Mechanic Group, Inc., a division of SPG Coverages CGL, Commercial Excess, Contractors License Bonds, D&O, E&O, EPLI, Liability, Umbrella, Workers’ Comp Carrier Status Non-admitted States All States
Contractors-Artisan
AllComp Solutions
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States
Builders & Tradesmen’s Insurance Services Inc. (BTIS)
Coverages Blanket Additional Insureds, CGL, Commercial Excess, Contractors License Bonds, E&O, GL Carrier Status Non-admitted States AZ, CA, OR, TX, WA
Hinterland Insurance
Coverages CGL, Inland Marine Carrier Status Non-admitted States CA
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted, Non-admitted States Most States
Lancer Insurance Company
Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Physical Damage Carrier Status Admitted States CT, NJ, NY, PA
Legacy Employer Concepts LLC
Coverages EPLI, Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted, Non-admitted States All States
MiniCo Insurance Agency, a Jencap Company
Coverages Commercial Auto, Blanket Addt’l Insureds, Builders Risk, CGL, Contractors Equip, Crime, Property, Tools & Equip Carrier Admitted, Non-admitted States AZ, CA, NV
Norman-Spencer Agency LLC
Coverages Auto Comm-Standard Phys Dmg, GL, Property, Tools & Equipment, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Omaha National
Coverages Workers’ Comp Carrier Status Admitted States Most States
Oryx Insurance Brokerage Inc.
Coverages Auto Comm-Standard, GL, Umbrella, Workers’ Comp Carrier Admitted States CT, DE, MD, NJ, NY, PA, VT
Quirk & Company
Coverages Commercial Excess, GL, Property Carrier Status Non-admitted States AL, AR, AZ, LA, MO, ND, NM, OK, TN, TX, WA, WY
REInsurePro
Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Completed Operations Liab, Excess Liab, Products Liab Carrier Status Non-admitted States All States except CO, LA, NJ, NY
Risk Placement Services Sacramento
Coverages Cyber Liab, Equipment, GL, Property Carrier Status Admitted, Non-admitted States CA
Coverages Pollution, Pollution Liab Carrier Status Non-admitted States All States
Norman-Spencer Agency LLC
Coverages Auto Comm-Standard Liability & Physical Damage, Excess Liab, GL, Property, Tools & Equip Carrier Admitted, Non-admitted States All States except NY
PartnerOne Environmental
Coverages CGL, E&O, Environmental Liab, Pollution, Pollution Liab, Transportation Pollution Liab, Workers’ Comp States All States
SPG Environmental
Coverages CGL, E&O, Environmental Liab, Pollution, Pollution Liab, Transportation Pollution Liab, Workers’ Comp States All States
2026 Annual Program Directory, Summer Edition
Contractors-Electrical
Builders & Tradesmen’s Insurance Services Inc. (BTIS)
Coverages CGL, GL Carrier Status Non-admitted States All States
Integrated Underwriters ®
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative)
Carrier Status Admitted, Non-admitted States Most States
Legacy Employer Concepts LLC
Coverages EPLI, Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted, Non-admitted States All States
Oryx Insurance Brokerage Inc.
Coverages Auto Comm-Standard, GL, Umbrella, Workers’ Comp Carrier Status Admitted States CT, DE, MD, NJ, NY, PA, VT
REInsurePro
Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Completed Operations Liab, Excess Liab, Products Liab Carrier Status Non-admitted States All States except CO, LA, NJ, NY
Ryan Specialty National Programs
Coverages E&O, Excess Liab, GL, Workers’ Comp
Carrier Status Admitted, Non-admitted States All States
Shield Commercial Insurance Services
Coverages General Liability, Excess Liability, Inland Marine, Workers’ Comp, CPPL Carrier Status Non-admitted States Most States
Contractors-Elevators
National Elevator Ins. Solutions / HUB International
Coverages Auto Comm-Standard, GL, Installation Floaters, OCP, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States except HI
Contractors-Environmental
Amwins - 155+ Locations Worldwide
Coverages GL, Pollution Liab, Professional Liab Carrier Status Admitted, Non-admitted States All States
Integrated Specialty Coverages (ISC)
Coverages CGL, GL Carrier Status Non-admitted States All States
Ryan Specialty National Programs Coverages E&O, Excess Liab, GL, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
SPG Environmental Coverages CGL, E&O, Environmental Liab, Pollution, Pollution Liab, Transportation Pollution Liab, Workers’ Comp States All States
Contractors-Fire Protection/Fire Sprinkler
RelMark Program Managers
Ryan Specialty National Programs
Coverages
GL States Most States
Builders & Tradesmen’s Insurance Services Inc. (BTIS)
Coverages Commercial Auto - Standard & Nonstandard, Builders Risk, CGL, COC, Contractors Equipment, Excess Liability, GL, Inland Marine, Property, Workers’
2026 Annual Program Directory, Summer Edition
Contractors-General (continued)
Hull & Company
Coverages Auto Comm-Nonstandard, Auto CommNonstandard Phys Dmg, CGL Carrier Status Non-admitted States All States except DC
Integrated Specialty Coverages (ISC)
Coverages CGL, GL Carrier Status Non-admitted States All States
Integrated Underwriters ®
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted, Non-admitted States Most States
Legacy Employer Concepts LLC
Coverages EPLI, Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted, Non-admitted States All States
MiniCo Insurance Agency, a Jencap Company
Coverages Auto Comm-Standard, CGL, Equipment Breakdown, Excess Liab, GL, Tools & Equip Carrier Status Admitted, Non-admitted States NY
Omaha National
Coverages Workers’ Comp Carrier Status Admitted States Most States
Oryx Insurance Brokerage Inc.
Coverages Auto Comm-Standard, GL, Umbrella, Workers’ Comp Carrier Status Admitted States CT, DE, MD, NJ, NY, PA, VT
PartnerOne Environmental
Coverages E&O, Environmental Liab, Pollution, Pollution Liab, Transportation Pollution Liab States All States
Philadelphia Insurance Companies
Coverages Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Boiler & Machinery, Business Income, Care/Custody/Control, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Legal Expense Ins, Personal Property, Professional Liab, Protection & Indemnity (P&I), Umbrella, Uninsured Motorists Carrier Admitted, Non-admitted States All except LA, NY
Quirk & Company
Coverages CGL, Contractors Equip, D&O, E&O, Environmental Liab, Equipment, Excess Flood, Excess Liab, Flood, Kidnap/ Ransom, Pollution Liab, Professional Liab, Property Carrier Status Non-admitted States LA, OK, OR, TN, TX, WA
REInsurePro
Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Completed Operations Liab, Excess Liab, Products Liab Carrier Status Non-admitted States All States except CO, LA, NJ, NY
Coverages General Liability, Excess Liability, Inland Marine, Workers’ Comp, CPPL Carrier Status Non-admitted States Most States
Southwest Risk
Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Umbrella Carrier Status Non-admitted States All States
SPG Wholesale
Coverages Blanket Addt’l Insureds, CGL Carrier Status Non-admitted States All States
Star Mutual RRG
Coverages Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Hired & Non-owned Auto, Uninsured Motorists Carrier Status Non-admitted States Most States
The McGowan Companies
Coverages Commercial Excess, Excess Liab, Umbrella States All States
US Assure
Coverages Builders Risk, Business Income, COC, Contractors Equip, Earthquake, Fire, Flood, Hail, High Valued Homes, Installation Floaters, Residential Property, Theft, Weather, Wind Carrier Status Admitted States All States
Wholesure
Coverages Excess Liab, GL, Inland Marine, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Wrap Up Insurance Solutions
Coverages General Liability, Residential `wrap-up` States All States
Contractors-Landscape
Applied Underwriters Inc.
Coverages Pollution Liab, Property, Workers’ Comp States All States
Builders & Tradesmen’s Insurance Services Inc. (BTIS)
Carrier Status Non-admitted States All States except CO, LA, NJ, NY
Shield Commercial Insurance Services
Coverages General Liability, Excess Liability, Inland Marine, Workers’ Comp, CPPL Carrier Status Non-admitted States Most States
Contractors-Roofing
Amwins - 155+ Locations Worldwide
Coverages GL, Medical Payments, Umbrella
Carrier Status Admitted States All States except AK, HI
Greene & Associates
Coverages CGL, GL Carrier Status Non-admitted States NY
Hull & Company
Coverages Auto Comm-Nonstandard, Auto CommNonstandard Phys Dmg, CGL, Contractors Equip
Carrier Status Non-admitted States All States except DC
Integrated Specialty Coverages (ISC)
Coverages CGL, GL Carrier Status Non-admitted States All States
Integrated Underwriters ®
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted, Non-admitted States Most States
Legacy Employer Concepts LLC
Coverages EPLI, Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted, Non-admitted States All States
NeitClem Wholesale Insurance Brokerage Inc.
Coverages Blanket Addt’l Insureds, Completed Operations Liab, Contractors Equip, Excess Liab, Hired & Non-owned Auto, Liability, Medical Payments, Pollution, Pollution Liab, Professional Liab, Residential `wrap-up`, Tools & Equip, Umbrella Carrier Status Admitted, Non-admitted States AZ, CA, NV, TX
Norman-Spencer Agency LLC
Coverages Auto Comm-Standard, Excess Liab, GL, Tools & Equip Carrier Status Admitted, Non-admitted States All States
Norman-Spencer International Inc.
Coverages E&O, Professional Liab Carrier Status Admitted, Non-admitted States All States
REInsurePro
Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Completed Operations Liab, Excess Liab, Products Liab Carrier Status Non-admitted States All States except CO, LA, NJ, NY
Shield Commercial Insurance Services
Coverages General Liability, Excess Liability, Inland Marine, Workers’ Comp, CPPL Carrier Status Non-admitted States Most States
Southwest Risk
Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Umbrella Carrier Status Non-admitted States All States
StateFund First, a division of Arthur J Gallagher & Co.
Insurance Brokers of CA Inc.
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) States CA
Completed Operations Liab, Excess Liab, Products Liab Carrier Status Non-admitted States All States except CO, LA, NJ, NY
Ryan Specialty National Programs
Coverages Assault & Battery, Care/Custody/Control, E&O, Excess Liab, GL, Lost Key, Professional Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Shield Commercial Insurance Services
Coverages General Liability, Excess Liability, Inland Marine, Workers’ Comp, CPPL Carrier Status Non-admitted States Most States
Contractors-Swimming Pools
Integrated Specialty Coverages (ISC)
Coverages CGL, GL Carrier Status Non-admitted States All States
Omaha National
Coverages Workers’ Comp Carrier Status Admitted States Most States
Philadelphia Insurance Companies
Coverages Auto, Boiler & Machinery, Business Income, Care/ Custody/Control, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Legal Expense Ins, Personal Property, Professional Liab, Protection & Indemnity (P&I), Umbrella, Uninsured Motorists Carrier Admitted States All States except LA
Shield Commercial Insurance Services
Coverages General Liability, Excess Liability, Inland Marine, Workers’ Comp, CPPL Carrier Status Non-admitted States Most States
Contractors-Underground Storage Tanks
Freberg Environmental Inc.
Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Commercial Excess, E&O, Environmental Liab, EPLI, GL, HNOA, Pollution, Professional Liab, Transportation Pollution Liab Carrier Status Non-admitted States All States
Jencap Specialty Insurance Services (Environmental) Coverages Pollution, Pollution Liability Carrier Status Non-admitted States All States
Business Alliance Insurance Company
Coverages BOP, Cyber Liab, EPLI, Equipment Breakdown, Liquor Liab Carrier Status Admitted States CA Covenant Underwriters Coverages Crime, Cyber Liab, Flood, GL, Pollution, Property Carrier Status Non-admitted States All States except AK, HI
Coverages BOP, Cyber Liab, EPLI, GL, Liquor Liab,
2026 Annual Program Directory, Summer Edition
Counselors/Counseling Centers
Care Providers Insurance Services
Coverages Abuse & Molestation, Accident & Health, Auto Comm-Standard, Crime, D&O, EPLI, Excess Liab, GL, Inland Marine, Professional Liab, Property Carrier Status Admitted States All States
Charity First Insurance Services Inc.
Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, Boiler & Machinery, Business Income, CGL, Crime, Cyber Liab, EPLI, Equipment Breakdown, Inland Marine, Int’l Coverage - Commercial, Liquor Liab, Nonprofit D&O, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States
Nonprofits Insurance Alliance
Coverages Abuse & Molestation, Auto Comm-Standard, Auto Comm-Standard Phys Dmg, Blanket Addt’l Insureds, Business Income, Business Interruption, CGL, Community/ Social Svcs, Crime, Developmental Disabilities, EPLI, Fiduciary Liab, Fire Legal Liab, Hired & Non-owned Auto, Inland Marine, Liquor Liab, Mechanical Breakdown, Misc Professional Liab, Nonprofit D&O, Sexual Misconduct, Umbrella, Uninsured Motorists Carrier Status Non-admitted States Most States
Philadelphia Insurance Companies
Coverages Abuse & Molestation, Auto, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Identity Theft, Inland Marine, Participant Accident, Physical Damage, Professional Liab, Property, Real & Business Personal Prop, Sexual Misconduct, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA
Country Clubs
RPS Programs
Coverages Accident & Health, Auto, Crime, D&O, Earthquake, Employee Benefits, EPLI, Fiduciary Liab, Flood, Herbicide & Pesticide, Inland Marine, Liquor Liab, Pollution Liab, Property, Umbrella, Workers’ Comp States All States
Venture Insurance Programs
Coverages D&O, E&O, EPLI, Excess Liab, GL, Herbicide & Pesticide, Liquor Liab, Pollution, Property, Tee-to-Green, Umbrella, Workers’ Comp Carrier Status Admitted States All States Couriers National Indemnity Company
Coverages Auto
Dance Schools/Studios
Great American Ins. Group, Specialty Human Services
Coverages Abuse & Molestation, Auto Comm-Nonstandard, Blanket Addt’l Insureds, Business Income, CGL, Commercial Excess, Community/Social Svcs, Crime, Educator Legal Liab, Employee Benefits, Equipment Breakdown, Excess Liab, Fire Legal Liab, Hired & Non-owned Auto, Inland Marine, Misc Professional Liab, Professional Liab, Umbrella Carrier Status Admitted States All States except HI, LA, OK
Sadler Insurance, Div. of Specialty Program Group (SPG)
Coverages Abuse & Molestation, CGL, D&O, EPLI, Equipment, Hired & Non-owned Auto, Participant Accident, Personal Property Carrier Status Admitted States All States
Sports & Wellness Insurance
Coverages Abuse & Molestation, Accident & Health, Crime, Cyber Liab, D&O, GL, Hired & Non-owned Auto, Inland Marine, Property, Umbrella Carrier Status Admitted, Non-admitted States All States
Day Care/Preschools
ERGO NEXT Insurance
Coverages BOP, Cyber Liab, EPLI, Excess Liab, GL, Umbrella, Workers’ Comp Carrier Status Admitted States All States
Gorst & Compass Insurance
Coverages CGL, Property Carrier Status Non-admitted States CA
Nonprofits Insurance Alliance
Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, Business Income, Business Interruption, CGL, Community/Social Svcs, Developmental Disabilities, EPLI, Fiduciary Liab, Fire Legal Liab, Hired & Non-owned Auto, Inland Marine, Liquor Liab, Mechanical Breakdown, Misc Professional Liability, Nonprofit D&O, Sexual Misconduct, Umbrella, Uninsured Motorists Carrier Status Non-admitted States Most States
Day Spas
Insurtec Tanning and Spa Insurance
Coverages Addt’l Expense, BOP, Business Income, Business Interruption, CGL, Crime, EPLI, Equipment Breakdown, Fire Legal Liab, Hired & Non-owned Auto, Misc Professional Liab, Professional Liability, Property, Tanning Liability Carrier Status Non-admitted States All States
Professional Program Ins. Brokerage, a Div of SPG Ins. Sol Coverages Abuse & Molestation, Blanket Addt’l Insureds, CGL, Commercial Excess, Cyber Liab, GL, Inland Marine, Liability, Media Liab, Products Liab, Professional Liab, Property, Sexual Misconduct, Tanning Liab, Teachers Liab Carrier Status Non-admitted States All States
REInsurePro
Coverages Abuse & Molestation, Assault & Battery, Business Income, E&O, Equipment Breakdown, Liability, Professional Liab, Property, Real & Business Personal Prop, Workers’ Comp Carrier Status Non-admitted States All States
Universal Insurance Programs
Coverages Abuse & Molestation, Business Income, Business Interruption, CGL, Crime, E&O, Employee Benefits, EPLI, Equipment Breakdown, Excess Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Liability, Products Liab, Professional Liab, Property, Real & Business Personal Prop, Stop-Gap, Theft, Umbrella Carrier Status Admitted States All States
Venture Insurance Programs
Coverages Auto Comm-Standard, Crime, Cyber Liab, D&O, EPLI,
Dealers-Propane
2026 Annual Program Directory, Summer Edition
Delivery- Wholesale/Retail (continued)
SPG Transportation - Moving and Storage
Coverages Auto Comm-Standard Liability & Physical Damage, Cargo, CGL, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States
Star Mutual RRG
Coverages Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Hired & Non-owned Auto, Motor Truck Cargo, Uninsured Motorists Carrier Status Non-admitted States Most States
Dentists
Berkley Select | a Berkley Company
Coverages E&O, Medical Malpractice Carrier Status Admitted, Non-admitted States All States
Cowbell Cyber
Coverages Breach of Security, Business Income, Business Interruption, Cyber Liab Carrier Status Admitted States Most States
Integrated Specialty Coverages (ISC)
Coverages Abuse & Molestation, Addt’l Expense, Employee Benefits, GL, Hired & Non-owned Auto, Medical Professional Carrier Status Non-admitted States All States
TDC Specialty Underwriters
Coverages Liability, Medical Malpractice, Professional Liab Carrier Status Admitted, Non-admitted States All States except KS, NM, NY
Developmental Disability Facilities
Care Providers Insurance Services
Coverages Abuse & Molestation, Accident & Health, Auto Comm-Standard, Crime, D&O, EPLI, Excess Liab, GL, Inland Marine, Professional Liab, Property Carrier Status Admitted States All States
Irwin Siegel Agency
Coverages Abuse & Molestation, Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Boiler & Machinery, Business Income, Crime, Cyber Liab, D&O, Developmental Disabilities, Disability, Environmental Liab, EPLI, Excess Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Inland Marine, Medical & Physical Rehab, Medical Payments, Mental Health Care, Pollution Liab, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States
Nonprofits Insurance Alliance
Coverages Abuse & Molestation, Auto Comm-Standard, Auto Comm-Standard Phys Dmg, Blanket Addt’l Insureds, Business Income, Business Interruption, CGL, Community/Social Svcs, Crime, Developmental Disabilities, Fiduciary Liab, Fire Legal Liab, Hired & Non-owned Auto, Inland Marine, Liquor Liab, Mechanical Breakdown, Misc Professional Liab, Nonprofit D&O, Sexual Misconduct, Umbrella, Uninsured Motorists Carrier Status Non-admitted States Most States
Philadelphia Insurance Companies
Coverages Abuse & Molestation, Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Inland Marine, Participant Accident, Professional Liab, Property, Real & Business Personal Prop, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA
Dialysis Centers
Integrated Specialty Coverages (ISC)
Coverages Abuse & Molestation, Addt’l Expense, Employee Benefits, GL, Hired & Non-owned Auto, Medical Professional Carrier Status Non-admitted States All States
Distributors
Amwins - 155+ Locations Worldwide
Coverages GL, Legal Liab, Motor Truck Cargo, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Cosmetic Insurance Services, a division of EPIC Brokers
Coverages Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Boiler & Machinery, Crime, GL, Inland Marine, Products Liab, Property, Umbrella Carrier Status Admitted States All States
Joseph Chiarello & Co., Inc.; Firearms Business Insurance Coverages CGL, Equipment Breakdown, Firearms Liability, Inland Marine, Property, Umbrella Carrier Status Admitted States All States
PEO Brokers Group
Coverages WC - Master Policies/ASO, Workers’ Comp, Workers’ Comp Plus (Alternative) States All States
Professional Program Ins. Brokerage, a Div of SPG Ins. Sol
Coverages Abuse & Molestation, Blanket Addt’l Insureds, CGL, Commercial Excess, Cyber Liab, Inland Marine, Misc Professional Liability, Products Liability, Property Carrier Status Non-admitted States All States
Driving Ranges
McGowan Allied Specialty Insurance
Coverages Auto Comm-Standard, CGL, Crime, Equipment Breakdown, Excess Liab, Hired & Non-owned Auto, Inland Marine, Property, Workers’ Comp Carrier Status Admitted States All States
Dry Cleaners/Laundries
UCA General Insurance Services Inc.
Coverages Bailee/Customer Goods, Business Income & Interruption, CGL, Crime, Cyber Liab, Equipment Breakdown, Liability, Mechanical Breakdown, Property, Theft, Umbrella Carrier Non-admitted States AZ, CA, ID, NV, OR, UT
Virtue Risk Partners LLC
Coverages Environmental Liability, Pollution Liability Carrier Status Non-admitted States All States
Dude Ranches
McGowan Allied Specialty Insurance
Coverages Auto, CGL, Crime, Equipment Breakdown, Excess Liab, Hired & Non-owned Auto, Inland Marine, Property, Workers’ Comp Carrier Status Admitted States All States
Philadelphia Insurance Companies
Coverages Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Boiler & Machinery, Business Income, Care/Custody/Control, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Participant Accident, Personal Property, Professional Liab, Umbrella, Uninsured Motorists Carrier Admitted States All except LA
Venture Insurance Programs
Coverages GL, Inland Marine, Property, Umbrella Carrier Status Non-admitted States All States except AK, HI
E-cigarette Manufacturers/Distributors
Professional Program Ins. Brokerage, a Div of SPG Ins. Sol Coverages Abuse & Molestation, GL, Inland Marine, Products Liab, Property Carrier Status Non-admitted States All States
Union General Insurance Services Inc.
Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Commercial Excess, Completed Operations Liab, Employee Benefits, Hired & Non-owned Auto, Int’l Coverage - Commercial, Products Liab, Stop-Gap Carrier Status Nonadmitted States AR, AZ, CA, NM, NV, OK, OR, TX
Employee Leasing Firms
Ryan Specialty National Programs
Coverages Abuse & Molestation, Blanket Addt’l Insureds, Blanket Waivers, Care/Custody/Control, Crime, Employee Benefits, EPLI, Excess Liab, GL, Hired & Non-owned Auto, Professional Liab, Property, Stop-Gap, Umbrella, Workers’ Comp Carrier Admitted, Non-admitted States All States
Staffing Lines
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States
World Wide Specialty, a Div of Philadelphia Ins. Co’s Coverages Abusive Acts, Auto Comm-Standard, Blanket Addt’l Insureds, Blanket Waivers, Care/Custody/Control, Crime, Cyber Liab, D&O, E&O, Employee Benefits, EPLI, Fidelity, Fidelity Bonds, GL, Hired & Non-owned Auto, Misc Professional Liab, Property, Technology E&O, Umbrella, Workers’ Comp Carrier Status Admitted States All States
Employment Agencies
Philadelphia Insurance Companies
Coverages Auto, Boiler & Machinery, Business Income, Care/ Custody/Control, CGL, Crime, D&O, Employee Benefits, EPLI, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Legal Expense Ins, Personal Property, Professional Liab, Protection & Indemnity (P&I), Umbrella, Uninsured Motorists Carrier Admitted States All except LA Professional Underwriters Agency (PUA)
Coverages E&O, Professional Liab Carrier Status Admitted, Non-admitted States All States
Ryan Specialty National Programs
Coverages Abuse & Molestation, Blanket Addt’l Insureds, Blanket Waivers, Care/Custody/Control, Crime, Employee Benefits, EPLI, Excess Liab, GL, Hired & Non-owned Auto, Professional Liab, Property, Stop-Gap, Umbrella, Workers’ Comp Carrier Admitted, Non-admitted States All States
Staffing Lines
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative)
Carrier Status Admitted States All States
World Wide Specialty, a Div of Philadelphia Ins. Co’s
Coverages Abusive Acts, Auto Comm-Standard, Blanket Addt’l Insureds, Blanket Waivers, Care/Custody/Control, Crime, Cyber Liab, D&O, E&O, Employee Benefits, EPLI, Fidelity, Fidelity Bonds, GL, Hired & Non-owned Auto, Misc Professional Liab, Property, Technology E&O, Umbrella, Workers’ Comp Carrier Status Admitted States All States
Engineers-Environmental
Access E&S Insurance Services
Coverages Excess Liab, Liability, Pollution Liab, Professional Liab Carrier Status Non-admitted States AR, DC, DE, GA, IL, MD, NC, NJ, NY, OH, PA, SC, TN, TX, VA
Coverages CGL, E&O, Environmental Liab, Pollution, Pollution Liab, Transportation Pollution Liab, Workers’ Comp States All States
Virtue Risk Partners LLC
Coverages Auto Comm-Standard, CGL, Commercial Excess, E&O, Environmental Liability, Workers’ Comp Carrier Status Non-admitted States All States
Engineers-Geotechnical
Freberg Environmental Inc.
Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, E&O, Environmental Liab, EPLI, GL, Hired & Non-owned Auto, Pollution, Pollution Liab, Professional Liab, Transportation Pollution Liab Carrier Status Non-admitted States All States
Jencap Specialty Insurance Services (Environmental) Coverages Pollution, Pollution Liability Carrier Status Non-admitted States All States
Victor Insurance Managers LLC
Coverages Cyber Liab, E&O States All States
Entertainer Buses
National Indemnity Company
Coverages Auto Comm-Nonstandard, Auto CommNonstandard Phys Dmg, Liability, Medical Payments, Uninsured Motorists Carrier Status Admitted, Non-admitted States All States except HI, MA, NJ, NY
Entertainment Equipment Rental Houses
Alive Risk
Coverages Accident & Health, Accidental Death, CGL, Contingent Coverages, Event Cancellation, Excess Liab, Hired & Non-owned Auto, Inland Marine, Liquor Liab, Workers’ Comp States All States
Environmental Engineers/Consultants/ Contractors
Access E&S Insurance Services
Coverages Excess Liab, Liability, Pollution Liab, Professional Liab Carrier Status Non-admitted States AR, DC, DE, GA, IL, MD, NC, NJ, NY, OH, PA, SC, TN, TX, VA
Apogee Insurance Group, a Berkshire Hathaway Company
Coverages Crime, Cyber Liab, D&O, EPLI, GL, Media Liab, Pollution Liab, Professional Liab Carrier Status Admitted, Non-admitted States All States
Freberg Environmental Inc.
Coverages Blanket Addt’l Insureds, CGL, Commercial Excess, E&O, EPLI, GL, Hired & Non-owned Auto, Pollution, Pollution Liab, Professional Liab, Transportation Pollution Liab, Umbrella Carrier Status Non-admitted States All States
Coverages Auto Comm-Standard, GL, Pollution, Pollution Liab, Workers’ Comp Carrier Status Non-admitted States All States
Norman-Spencer International Inc.
Coverages E&O, Professional Liab Carrier Status Admitted States All States except AK, HI
PartnerOne Environmental
Coverages CGL, E&O, Pollution Carrier Status Non-admitted States All States
Philadelphia Insurance Companies
Coverages Commercial Auto, Business Income, Business Interruption, CGL, D&O, Equipment Breakdown, Fiduciary Liab, GL, Hired & Non-owned Auto, Inland Marine, NonTrucking Liability, Professional Liab, Property, Umbrella Carrier Status Admitted States All States except LA
Roush Insurance Services Inc.
Coverages Auto Comm-Nonstandard, Blanket Addt’l
Blanket Waivers, CGL, Commercial Excess, Completed Operations Liab, Contractors Equip, E&O, Environmental Liab, Excess Liab, Fidelity Bonds, GL, Hired & Non-owned Auto, Inland Marine, Liability, Motor Truck Cargo, Pollution, Professional Liab, Property, Real & Business Personal Prop, Service Contracts, Umbrella, Workers’ Comp
Carrier Status Non-admitted States IA, IL, IN, MN, ND, OH, SD, WI
SPG Environmental
Coverages CGL, E&O, Environmental Liab, Pollution, Pollution Liab, Transportation Pollution Liab, Workers’ Comp States All States
Virtue Risk Partners LLC
Coverages Auto Comm-Standard, CGL, Commercial Excess, E&O, Environmental Liab, Workers’ Comp Carrier Status Non-admitted States All States
Exercise/Health Studios/Health Clubs
Great American Ins. Group, Specialty Human Services
Coverages Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Boiler & Machinery, Business Income, CGL, Commercial Excess, Completed Operations Liab, Crime, Educator Legal Liab, Equipment Breakdown, Excess Liab, Fidelity, Fine Arts, Fire Legal Liab, GL, Historic Bldgs/Unique Property, Inland Marine, Liability, Liquor Liab, Medical Payments, Property, Real & Business Personal Prop, Sexual Misconduct, Umbrella Carrier Status Admitted States All States except HI, LA, OK
NeitClem Wholesale Insurance Brokerage Inc.
Coverages GL, Property Carrier Status Admitted, Non-admitted States AZ, CA, NV, TX
Philadelphia Insurance Companies
Coverages Abuse & Molestation, Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Inland Marine, Liquor Liab, Non-Trucking Liability, Participant Accident, Professional Liab, Property, Real & Business Personal Prop, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA
Roush Insurance Services Inc.
Coverages Assault & Battery, Boiler & Machinery, Business Income, Business Interruption, CGL, Commercial Excess, Crime, D&O, EPLI, Equipment, Excess Liab, Fire, GL, Inland Marine, Liability, Misc Professional Liab, Pool & Spa Liab, Property, Real & Business Personal Prop, Sexual Misconduct, Tanning Liab, Theft Carrier Status Non-admitted States IA, IL, IN, MN, ND, OH, SD, WI
RPS Programs
Coverages Liability, Property Carrier Status Admitted States All States
Sadler Insurance, Div. of Specialty Program Group (SPG)
Coverages CGL, Crime, Equipment, Hired & Non-owned Auto, Inland Marine, Participant Accident, Property Carrier Status Admitted States All States
Sports & Wellness Insurance
Coverages Abuse & Molestation, Accident & Health, Crime, Cyber Liab, D&O, GL, Hired & Non-owned Auto, Inland Marine, Property, Umbrella Carrier Status Admitted, Non-admitted States All States
Venture Insurance Programs
Coverages Auto Comm-Standard, Crime, Cyber Liab, D&O, EPLI, GL, Liquor Liab, Professional Liab, Property, Umbrella Carrier Status Admitted States All States Exporters
Parcel Insurance Plan
Coverages Cargo, Inland Marine Carrier Status Admitted States All States
Coverages CGL, Excess Liab, Hired & Non-owned Auto, Inland Marine, Liquor Liab, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
McGowan Allied Specialty Insurance
Coverages Auto Comm-Standard, CGL, Crime, Equipment
Breakdown, Excess Liab, Hired & Non-owned Auto, Inland Marine, Property, Workers’ Comp Carrier Status Admitted States All States
NeitClem Wholesale Insurance Brokerage Inc.
Coverages GL, Property Carrier Status Admitted, Non-admitted States AZ, CA, NV, TX
2026 Annual Program Directory, Summer Edition
The McGowan Companies
Coverages Auto Comm-Standard, Excess Liab, GL, Inland Marine, Participant Accident, Pollution, Prize Indemnification, Property, Workers’ Comp Carrier Status Admitted States All States
Farm & Ranch
Agricultural Insurance Mgmt Services
Coverages Auto Comm-Standard, Care/Custody/Control, CGL, Commercial Excess, Equipment Breakdown, Excess Liab, Horse Mortality, Property, Umbrella Carrier Status Admitted States Most States
Equine Insurance Specialists LLC
Coverages Auto Comm-Standard, Horse Mortality, Liability, Property, Umbrella Carrier Status Admitted States All States except AK, FL, HI
Flow Insurance Services
Coverages Excess Flood, Flood Carrier Status Non-admitted States All States
Marshall+Sterling Insurance
Coverages Addt’l Living Expense, Care/Custody/Control, CGL, Commercial & Personal Auto, Dwelling Fire, Equipment, Excess Auto, Fire, Flood, Hail, High Valued Homes, Hired & Non-owned Auto, Homeowners Pkg, Horse Mortality, Hurricane, Liability, Livestock/Animal Mortality, Loss of Use, Medical Payments, Mortality, Personal Liab, Personal Property, Personal Umbrella, Physical Damage, Professional Liab, Rented Property, Residential Property, Theft, Tools & Equip, Wind, Workers’ Comp
Carrier Status Admitted States All States except AK, HI
Philadelphia Insurance Companies
Coverages Abuse & Molestation, GL, Professional Liab, Property, Umbrella Carrier Status Admitted
Coverages Auto Comm-Standard, Excess Liab, GL, Inland Marine, Property Carrier Status Admitted
States AR, MS, NM, OK, TN, TX
SPG Wholesale
Coverages GL, Property Carrier Status Non-admitted
States All States
XPT Specialty
Coverages CGL, Combo Personal & Commercial, Dwelling Fire, Equipment, Inland Marine, Livestock/Animal Mortality, Property Carrier Status Admitted, Non-admitted States All States except AK
Farm Labor Contractors
XPT Specialty
Coverages Excess Liab, GL, Herbicide & Pesticide, Inland Marine, Professional Liab Carrier Status Non-admitted States All States except AK
Fast Food Restaurants
Business Alliance Insurance Company
Coverages BOP, Cyber Liab, EPLI, Equipment Breakdown, Liquor Liab Carrier Status Admitted States CA
Omaha National Coverages Workers’ Comp Carrier Status Admitted States Most States
PEO Brokers Group
Coverages WC - Master Policies/ASO, Workers’ Comp, Workers’ Comp Plus (Alternative) States All States
The McGowan Companies
Coverages Commercial Excess, Umbrella Carrier Status Admitted States All States
UCA General Insurance Services Inc.
Coverages Business Income, CGL, Cyber Liab, Equipment Breakdown, Fire Legal Liab, HNOA, Medical Payments, Property, Umbrella Carrier Non-admitted States AZ, CA, ID, NV, OR, UT, WA
Coverages Assault & Battery, Equipment Breakdown, GL, Liquor Liab, Property Carrier Status Non-admitted States All States
K&K Insurance Group Inc.
Coverages Auto Comm-Standard, CGL, Crime, EPLI, Event Cancellation, Inland Marine, Liquor Liab, Property, Workers’ Comp Carrier Status Admitted States All States except FL
McGowan Allied Specialty Insurance
Coverages Auto Comm-Standard, CGL, Crime, Equipment Breakdown, Excess Liab, Hired & Non-owned Auto, Inland Marine, Property, Workers’ Comp Carrier Status Admitted States All States
Philadelphia Insurance Companies
Coverages Abuse & Molestation, Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Blanket Addt’l Insureds, Boiler & Machinery, Business Income, Business Interruption, CGL, Commercial Excess, Crime, D&O, EPLI, Equipment Breakdown, Inland Marine, Participant Accident, Umbrella Carrier Admitted States All States except LA
Financial Institutions
Johnson & Johnson
Coverages Crime, Cyber Liab, E&O, EPLI, Fidelity Bonds, Kidnap/Ransom, Professional Liability Carrier Status Non-admitted States All States
Proctor Loan Protector
Coverages Blanket Forced Placed, E&O, Excess Flood, Flood, Force Place Fire Cvrg, Foreclosed Properties, High Valued Homes, Mobile Home Ins, Mortgage Impairment, Mortgage REO Cvrg, Rented Property, Residential Property Carrier Status Non-admitted States All States
Ryan Specialty National Programs
Coverages Collateral Protection, Force Place Fire Cvrg, GL, Mortgage Impairment, Mortgage REO Cvrg, Property, Vacant Building Carrier Status Non-admitted States All States
Unitas Financial Services
Coverages Blanket Forced Placed, Collateral Protection, Flood, Force Place Fire Cvrg, Mortgage Impairment, Mortgage REO Cvrg Carrier Status Admitted, Non-admitted States All States except AK, HI
Wilkoff Bonds
Coverages Crime, Fidelity, Fidelity Bonds, Fiduciary Liab Carrier Status Admitted States All States
Fine Art Collections
Applied Underwriters Inc.
Coverages Combo Personal & Commercial, Fine Arts, Int’l Coverage - Commercial, Int’l Coverage - Personal, Physical Damage, Theft Carrier Status Admitted States All States
Distinguished Programs
Coverages Fine Arts, Physical Damage, Property Carrier Status Admitted States All States
Integrated Specialty Coverages (ISC)
Coverages Fine Arts, Personal Liab, Personal Property Carrier Status Non-admitted States All States
SPG Wholesale
Coverages Earthquake, Excess Flood, Fire, Inland Marine, Mysterious Disappearance Carrier Status Admitted, Non-admitted States All States
Firearms Dealers
Joseph Chiarello & Co., Inc.; Firearms Business Ins. Coverages CGL, Crime,
Food Trucks
Lancer Insurance Company
Coverages Auto Comm-Standard, Auto Comm-Standard
Auto Comm-Standard Physical Damage Carrier Status Admitted
2026 Annual Program Directory, Summer Edition
Food Vendors
Great American Insurance Group, Alternative Markets Coverages Auto Comm-Standard, BOP, CGL, Inland Marine, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
InsuranceHelper.com
Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Fire Legal Liab, GL, Hired & Non-owned Auto, Liability, Liquor Liab, Medical Payments, Personal Liab, Products Liab, Trade Shows & Festivals Carrier Status Non-admitted States All States
Forestry Services
Balance Partners - Maven
Coverages CGL, E&O, Excess Liab, Professional Liab Carrier Status Non-admitted States All States Continental Underwriters
Coverages Builders Risk, Business Income, Business Interruption, Combo Personal & Commercial, Commercial Excess, Crime, Equipment Breakdown, GL, Inland Marine, Int’l Coverage - Commercial, Int’l Coverage - Personal, Property, Umbrella, Wind, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Pennsylvania Lumbermens Mutual Insurance Company
Coverages Auto Comm-Standard, CGL, Commercial Marine, EPLI, Equipment Breakdown, Inland Marine, Liability, Property, Umbrella Carrier Status Admitted States All States
Union General Insurance Services Inc.
Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Commercial Excess, Completed Operations Liab, Contractors Equip, Environmental Liab, Equipment, Fire, Hired & Nonowned Auto, Inland Marine, Property, Tools & Equip Carrier Status Non-admitted States AR, AZ, CA, NM, NV, OK, OR, TX
Victor Insurance Managers LLC
Coverages Auto Comm-Standard, Cargo, Cyber Liab, Excess Liab, GL, Inland Marine, Property Carrier Status Admitted States All States except CA, LA, MI, NY
Foundations
Berkley Select | a Berkley Company
Coverages D&O, EPLI, Fiduciary Liab, Nonprofit D&O Carrier Status Admitted, Non-admitted States All States
Great American Ins. Group, Specialty Human Services
Coverages Abuse & Molestation, Auto Comm-Nonstandard, Blanket Addt’l Insureds, Business Income, CGL, Commercial Excess, Community/Social Svcs, Crime, Educator Legal Liab, Employee Benefits, Equipment Breakdown, Fire Legal Liab, GL, Hired & Non-owned Auto, Inland Marine, Misc Professional Liability, Professional Liability, Umbrella Carrier Status Admitted States All States except HI, LA, OK
Nonprofits Insurance Alliance
Coverages Abuse & Molestation, Auto Comm-Standard, Auto Comm-Standard Phys Dmg, Blanket Addt’l Insureds, Business Income, Business Interruption, CGL, Community/Social Svcs, Crime, Developmental Disabilities, EPLI, Fiduciary Liab, Fire Legal Liab, Hired & Non-owned Auto, Inland Marine, Liquor Liab, Mechanical Breakdown, Misc Professional Liab, Nonprofit D&O, Sexual Misconduct, Umbrella, Uninsured Motorists Carrier Status Non-admitted States Most States
Philadelphia Insurance Companies
Coverages Abuse & Molestation, Auto, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Inland Marine, Physical Damage, Professional Liab, Property, Real & Business Personal Prop, Sexual Misconduct, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA
Fraternal Organizations
Charity First Insurance Services Inc.
Coverages Abuse & Molestation, Auto Comm-Standard, Business Income, CGL, Crime, Cyber Liability, Inland Marine, Liquor Liability, Property, Workers’ Comp Carrier Status Admitted States All States
Gateway Specialty Insurance
Coverages Abuse & Molestation, Crime, E&O, EPLI, GL, Liquor Liab, Nonprofit D&O, Property Carrier Status Non-admitted States All States except AK, LA, WV
Funeral Directors
Balance Partners - Maven
Coverages CGL, E&O, Excess Liab, Professional Liab Carrier Status Non-admitted States All States
Garages
Cox Specialty Markets
Coverages Dealer and Transporter Plates, Dealers Open Lot, Garage Keepers Legal Liab, Garage Liability, GKLL Carrier Status Admitted States AR, IL, IN, KY, MI, OH, PA, TN, WV
KBK Insurance Group Inc.
Coverages Dealers Open Lot, Garage Keepers Legal Liab, GL, On-Hook Cargo, Property, Umbrella Carrier Status Admitted States All States except AK, HI, MA, NY
National Indemnity Company
Coverages Dealers Open Lot, Garage Keepers Legal Liab, Garage Liability, GKLL, Medical Payments, Uninsured Motorists Carrier Status Admitted, Non-admitted States All States except HI, MA, NJ, NY
Prime Insurance Company
Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Dealers Open Lot, Difference in Conditions, Garage Keepers Legal Liab, Garage Liability, GKLL, GL, On-Hook Cargo, Personal Liability, Professional Liability, Property, Rented Property, Wrongful Repo Carrier Status Non-admitted States All States
Walter General Agency (WGA)
Coverages Dealers Open Lot, Excess Liab, Garage Keepers Legal Liab, Garage Liability, GKLL, Inland Marine, Medical Payments, Property, Theft, Tools & Equip, Truck Auto Liab, Umbrella, Uninsured Boaters, Uninsured Motorists Carrier Status Non-admitted States AR, IL, MO, OK
Golf Courses
Great American Insurance Group, Alternative Markets
Coverages Auto Comm-Standard, BOP, CGL, Inland Marine, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Starwind Community Associations
Coverages Accessories, Business Income & Interruption, Crime, E&O, Employee Benefits, Environmental Liab, Fine Arts, Fire, Flood, GL, Herbicide & Pesticide, HNOA, Hurricane, Inland Marine, Liability, Liquor Liab, Property, Tee-to-Green, Umbrella Carrier Status Non-admitted States FL
Venture Insurance Programs
Coverages D&O, E&O, EPLI, Excess Liab, GL, Herbicide & Pesticide, Liquor Liab, Pollution, Property, Tee-to-Green, Umbrella, Workers’ Comp Carrier Status Admitted States All States
Virtue Risk Partners LLC
Coverages Environmental Liab, Pollution Liab Carrier Status Non-admitted States All States
Grocery Stores/Supermarkets
Business Alliance Insurance Company
Coverages BOP, Cyber Liab, EPLI, Equipment Breakdown, Liquor Liab Carrier Status Admitted States CA
Great American Insurance Group, Alternative Markets
Coverages Auto Comm-Standard, BOP, CGL, Inland Marine, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Omaha National
Coverages Workers’ Comp Carrier Status Admitted States Most States
UCA General Insurance Services Inc.
Coverages Business Income, CGL, Cyber Liab, Fire Legal Liab, Medical Payments, Property, Umbrella Carrier Non-admitted States AZ, CA, ID, NV, OR, UT, WA
Group Homes
Care Providers Insurance Services
Coverages Abuse & Molestation, Accident & Health, Auto Comm-Standard, Crime, D&O, EPLI, Excess Liab, GL, Inland Marine, Professional Liab, Property Carrier Status Admitted States All States
Charity First Insurance Services Inc.
Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, Business Income, CGL, Crime, Cyber Liab, EPLI, Equipment Breakdown, Inland Marine, Liquor Liab, Nonprofit D&O, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States
Guides & Outfitters
Chiarello &
McGowan Allied Specialty Insurance
Coverages Auto Comm-Standard, CGL, Crime, Equipment
Breakdown, Excess Liab, Hired & Non-owned Auto, Inland Marine, Property, Workers’ Comp Carrier Status Admitted States All States
Philadelphia Insurance Companies
Coverages Auto, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, Employee Benefits, Equipment Breakdown, Fire Legal Liab, GL, Hired & Non-owned Auto, Inland Marine, Participant Accident, Professional Liab, Property, Real & Business Personal Prop, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA
Venture Insurance Programs
Coverages GL, Inland Marine, Property, Umbrella Carrier Status Non-admitted States All States except AK, HI
Gymnastics Facilities / Gyms
Sadler Insurance, Div. of Specialty Program Group (SPG)
Coverages Abuse & Molestation, CGL, D&O, EPLI, Equipment, Excess Liab, Hired & Non-owned Auto, Inland Marine, Participant Accident, Personal Property, Property Carrier Status Admitted States All States
Sports & Wellness Insurance
Coverages Abuse & Molestation, Accident & Health, Crime, Cyber Liab, D&O, GL, Hired & Non-owned Auto, Inland Marine, Property, Umbrella Carrier Status Admitted, Non-admitted States All States
Venture Insurance Programs
Coverages Auto Comm-Standard, Crime, Cyber Liab, D&O, EPLI, GL, Liquor Liab, Professional Liab, Property, Umbrella States All States
Hazardous Materials Transporters
Access E&S Insurance Services
Coverages Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Excess Liab, Liability, Pollution Liab, Professional Liab Carrier Non-admitted States AR, DC, DE, GA, IL, MD, NC, NJ, NY, OH, PA, SC, TN, TX, VA
Freberg Environmental Inc.
Coverages Auto Comm-Nonstandard, Auto CommNonstandard Phys Dmg, CGL, Environmental Liab, GL, Hired & Non-owned Auto, Long Haul, Physical Damage, Pollution, Pollution Liab, Transportation Pollution Liab, Uninsured Motorists Carrier Status Admitted States All States except FL, HI, LA, MA, MS, NY
SPG Environmental
Coverages CGL, E&O, Environmental Liab, Pollution, Pollution Liab, Transportation Pollution Liab, Workers’ Comp States All States
Target Managers Insurance Services
Coverages Auto Comm-Standard, CGL, Environmental Liab, Excess Liab, Pollution Liab, Property, Truck Auto Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Health Clubs
Philadelphia Insurance Companies
Coverages Abuse & Molestation, GL, Professional Liab, Property, Umbrella Carrier Status Admitted States All States except LA
RPS Programs
Coverages Liability, Property Carrier Status Admitted States All States
Sports & Wellness Insurance
Coverages Abuse & Molestation, Accident & Health, Crime, Cyber Liab, D&O, GL, Hired & Non-owned Auto, Inland Marine, Property, Umbrella Carrier Status Admitted, Non-admitted States All States
Venture Insurance Programs
Coverages Auto Comm-Standard, Crime, Cyber Liab, D&O, EPLI, GL, Liquor Liab, Professional Liab, Property, Umbrella Carrier Status Admitted States All States
Healthcare Facilities
AllComp Solutions
Coverages Workers’ Comp,
Amalgamated Insurance Underwriters Coverages Assault & Battery, Crime, Earthquake, Equipment Breakdown, Flood, Property Carrier Status Non-admitted States All States except CO, FL, HI, LA, NY, TX
Amwins - 155+ Locations Worldwide Coverages Crime, Employee Benefits, Fidelity Bonds, GL, Professional Liab, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Caitlin Morgan Insurance Services
Coverages GL, Professional Liab States All States
Element22 Insurance Services
Coverages CGL, Professional Liab, Property Carrier Status Admitted States All States
NeitClem Wholesale Insurance Brokerage Inc.
Coverages Developmental Disabilities, Fire, Liability, Medical Malpractice, Professional Liability
Carrier Admitted, Non-admitted States AZ, CA, NV, TX
Oryx Insurance Brokerage Inc.
Coverages Auto Comm-Standard, GL, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
PEO Brokers Group
Coverages WC - Master Policies/ASO, Workers’ Comp, Workers’ Comp Plus (Alternative) States All States
Promont Insurance Advisors
Coverages CGL, Professional Liab, Property Carrier Status Non-admitted States All States
Home Healthcare Providers
AllComp Solutions
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States
Amwins - 155+ Locations Worldwide
Coverages Crime, Employee Benefits, Fidelity Bonds, GL, Professional Liability, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Care Providers Insurance Services
Coverages Abuse & Molestation, Accident & Health, Auto Comm-Standard, Business Interruption, Crime, D&O, EPLI, Excess Liab, GL, Inland Marine, Professional Liab, Property Carrier Status Admitted States All States
Irwin Siegel Agency
Coverages Abuse & Molestation, Accident & Health, Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, CGL, Crime, Cyber Liab, D&O, EPLI, Excess Liab, GL, Inland Marine, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States
Oryx Insurance Brokerage Inc.
Coverages Auto Comm-Standard, GL, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
PEO Brokers Group
Coverages WC - Master Policies/ASO, Workers’ Comp, Workers’ Comp Plus (Alternative) States All States
Philadelphia Insurance Companies
Coverages Abuse & Molestation, Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, Cyber Liab, D&O, Hired & Non-owned Auto, Inland Marine, Medical Malpractice, Professional Liab, Property, Umbrella Carrier Admitted States All States except LA
Promont Insurance Advisors
Coverages CGL, EPLI, Excess Liab, Hired & Non-owned Auto, Professional Liab, Property Carrier Status Non-admitted States All States
Sapphire Blue
Coverages CGL, Professional Liability Carrier Status Non-admitted States All States except KY
StateFund First, a division of Arthur J Gallagher & Co. Insurance Brokers of CA Inc.
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States CA
Home Inspectors
Landy Insurance Agency
Coverages CGL, E&O, Misc Professional Liab, Professional Liab Carrier Status Admitted States All States
Norman-Spencer Agency LLC
Coverages E&O, GL, Property Carrier Status Non-admitted States All States except AK, LA, WV
RealCare Insurance
Coverages E&O, Professional Liab Carrier Status Admitted, Non-admitted States All States
Home Medical Equipment Dealers
Amwins - 155+ Locations Worldwide
Coverages Crime, Employee Benefits, Fidelity Bonds, GL, Professional Liab, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Homebuilders
Applied Underwriters Inc.
2026 Annual Program Directory, Summer Edition
US Assure
Coverages Builders Risk, Catastrophe, Combo Personal & Commercial, Workers’ Comp Carrier Status Admitted States All States
Builders & Tradesmen’s Insurance Services Inc. (BTIS)
Coverages Auto Comm-Standard, Excess Liab, GL, Inland Marine Carrier Status Admitted States All States except AK, CO, NY
Omaha National
Coverages Workers’ Comp Carrier Status Admitted States Most States
Pennsylvania Lumbermens Mutual Insurance Company
Coverages Auto Comm-Standard, CGL, Commercial Marine, EPLI, Equipment Breakdown, Inland Marine, Liability, Property, Umbrella Carrier Status Admitted States All States
REInsurePro
Coverages Builders Risk, Business Income, CGL, Dwelling Fire, Earthquake, Equipment Breakdown, Flood, Foreclosed Properties, Hail, Hurricane, Liability, Medical Payments, Property, Rented Property, Residential Property, Vacant Building Carrier Status Non-admitted States All States except FL, LA, NY
US Assure
Coverages Builders Risk, Business Income, COC, Contractors Equip, Earthquake, Fire, Flood, Hail, High Valued Homes, Hurricane, Installation Floaters, Residential Property, Theft, Tools & Equip, Weather, Wind Carrier Status Admitted States All States
Victor Insurance Managers LLC
Coverages Builders Risk, Cyber Liab Carrier Status Admitted States All States except HI
Wholesure
Coverages Auto Comm-Standard Liability & Physical Damage, Excess Liab, GL, Inland Marine, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Homeowner Associations
Amalgamated Insurance Underwriters
Coverages Boiler & Machinery, Earthquake, Flood, Property Carrier Status Non-admitted States All States except CO, FL, HI, LA, NY, TX
Amwins - 155+ Locations Worldwide
Coverages Auto Comm-Standard, Crime, Equipment Breakdown, Flood, GL, Inland Marine, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States
Community Association Insurance Solutions LLC
Coverages Crime, Workers’ Comp Carrier Status Admitted States All States
Distinguished Programs
Coverages Crime, D&O, GL, Property, Umbrella Carrier Status Admitted, Non-admitted States All States
Element22 Insurance Services
Coverages Catastrophe, Excess Flood, Flood, Hurricane, Property, Real & Business Personal Prop, Weather, Wind Carrier Status Non-admitted States AL, FL, GA, LA, MS, NC, SC, TX, VA
Hinterland Insurance
Coverages CGL, Earthquake, GL, Property
Carrier Status Non-admitted States All States except OK, TX
Kevin Davis Insurance Services
Coverages Crime, Cyber Liab, D&O, Excess Liab
Carrier Status Admitted States All States
Mexico Insurance Online
Coverages Catastrophe, Earthquake, Fine Arts, Fire, Flood, Glass, Hail, High Valued Homes, Homeowners Pkg, Hurricane, Int’l Coverage - Personal, Pool & Spa Liab, Residential Property, Theft States All States
MiniCo Insurance Agency, a Jencap Company
Coverages D&O, Liability Carrier Status Non-admitted States All States
Philadelphia Insurance Companies
Coverages Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Boiler & Machinery, CGL, Crime, Employee Benefits, Equipment Breakdown, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Inland Marine, Participant Accident, Professional Liab, Property, Real & Business Personal Prop, Umbrella, Uninsured Motorists
Carrier Status Admitted States All States except LA
Starwind Community Associations
Coverages Boiler & Machinery, Business Income, CGL, Crime, Cyber Liab, Difference in Conditions, Dwelling Fire, Employee Benefits, Environmental Liab, EPLI, Excess Flood, Fire, GKLL, GL, Homeowners Pkg, Liability, Nonprofit D&O, Pool & Spa Liab, Property, Umbrella, Wind, Workers’ Comp Carrier Status Non-admitted States CA, FL, GA, KY, TN, TX
Coverages Builders Risk, Business Income, COC, Earthquake, Fire, Flood, Hail, High Valued Homes, Hurricane, Installation Floaters, Residential Property, Theft, Weather, Wind Carrier Status Admitted States All States
Horse Breeders/Boarders
Agricultural Insurance Mgmt Services
Coverages Care/Custody/Control, General Liability, Horse Mortality, Personal Liability Carrier Status Admitted States Most States
Equine Insurance Specialists LLC
Coverages Auto Commercial - Standard, Horse Mortality, Liability, Property, Umbrella States All States except AK, FL, HI
Marshall+Sterling Insurance
Coverages Care/Custody/Control, CGL, Commercial Excess, Hired & Non-owned Auto, Horse Mortality, Liability, Livestock/Animal Mortality, Medical Payments, Workers’ Compensation Carrier Status Admitted States All States except AK, HI
Horse Farms
Agricultural Insurance Mgmt Services
Coverages Business Income, Care/Custody/Control, Combo Personal & Commercial, Equipment Breakdown, Homeowners Pkg, Horse Mortality, Liability, Tools & Equip
Carrier Status Admitted States Most States
AllComp Solutions
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States
Equine Insurance Specialists LLC
Coverages Auto Comm-Standard, Horse Mortality, Liability, Property, Umbrella Carrier Status Admitted States All States except AK, FL, HI
Marshall+Sterling Insurance
Coverages Addt’l Living Expense, Auto, Care/Custody/ Control, CGL, Commercial Excess, Dwelling Fire, Equipment, Excess Auto, Excess Flood, Excess Liab, Fire, Flood, GL, Hail, High Valued Homes, Hired & Non-owned Auto, Historic Bldgs/Unique Property, Homeowners Pkg, Horse Mortality, Hurricane, Liability, Livestock/Animal Mortality, Loss of Use, Medical Payments, Mortality, Personal Liab, Personal Property, Personal Umbrella, Physical Damage, Professional Liab, Property, Real & Business Personal Prop, Rented Property, Residential Property, Theft, Tools & Equip, Umbrella, Uninsured Motorists, Wind, Workers’ Comp Carrier Status Admitted States All States except AK, HI
South & Western General Agency Inc.
Coverages Dwelling Fire, Equipment, Excess Liab, GL, Personal Property, Property Carrier Status Admitted States AR, MS, OK, TN, TX
Hospice Care Facilities
Care Providers Insurance Services
Coverages Abuse & Molestation, Accident & Health, Business Interruption, Crime, D&O, EPLI, Excess Liab, GL, Inland Marine, Professional Liab, Property Carrier Status Admitted States All States
Integrated Specialty Coverages (ISC)
Coverages Abuse & Molestation, Addt’l Expense, Employee Benefits, GL, Hired & Non-owned Auto, Medical Professional Carrier Status Non-admitted States All States
Nonprofits Insurance Alliance
Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, Business Income, Business Interruption, CGL, Community/Social Svcs, Developmental Disabilities, EPLI, Fiduciary Liab, Fire Legal Liab, Hired & Non-owned Auto, Inland Marine, Liquor Liab, Mechanical Breakdown, Misc Professional Liab, Nonprofit D&O, Sexual Misconduct, Umbrella, Uninsured Motorists
Carrier Status Non-admitted States Most States
Promont Insurance Advisors
Coverages CGL, Professional Liability, Property
Carrier Status Non-admitted States All States
Sapphire Blue
Coverages CGL, Professional Liability
Carrier Status Non-admitted States All States except KY
Hospitals
Amwins - 155+ Locations Worldwide
Coverages Crime, Cyber Liab, EPLI, Fiduciary Liab, Kidnap/ Ransom, Professional Liab, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
2026 Annual Program Directory, Summer Edition
Amalgamated Insurance Underwriters
Coverages Assault & Battery, Boiler & Machinery, Crime, Earthquake, Equipment Breakdown, Flood, Property, Wind Carrier Status Non-admitted States All States except CO, FL, HI, NY, OK, TX
Amwins - 155+ Locations Worldwide
Coverages Builders Risk, Business Income, Contractors Equip, Inland Marine Carrier Status Admitted, Non-admitted States All States
Covenant Underwriters
Coverages Abuse & Molestation, Boiler & Machinery, Commercial Excess, Crime, Cyber Liab, Earthquake, EPLI, Equipment Breakdown, Flood, Hurricane, Liability, Property, Sexual Misconduct, Wind Carrier Status Non-admitted States All States except AK, HI
Distinguished Programs
Coverages Auto Comm-Standard, Crime, Cyber Liab, GL, Property, Umbrella Carrier Status Admitted, Non-admitted States All States
Element22 Insurance Services
Coverages Assault & Battery, Boiler & Machinery, Builders Risk, Business Income, Business Interruption, Catastrophe, Equipment Breakdown, Excess Flood, Fire, Flood, Hurricane, Property, Weather, Wind Carrier Status Non-admitted States All States
Flood Risk Solutions Inc.
Coverages Addt’l Living Expense, Builders Risk, Business Income, Business Interruption, Commercial Excess, Excess Flood, Flood, Personal Property Carrier Status Non-admitted States All States
Friedlander Group Inc.
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States AZ, CO, CT, DC, DE, FL, GA, IL, MD, ME, MI, MN, NC, NE, NH, NJ, NY, PA, RI, SC, TX, VA, VT, WI
Gorst & Compass Insurance
Coverages Business Income, CGL, Glass, Property Carrier Status Non-admitted States CA
Hinterland Insurance
Coverages Builders Risk, CGL, Property Carrier Status Non-admitted States All States except OK, TX
Hull & Company
Coverages Business Interruption, CGL, Property Carrier Status Non-admitted States All States except DC
PEO Brokers Group
Coverages WC - Master Policies/ASO, Workers’ Comp, Workers’ Comp Plus (Alternative) States All States
Ryan Specialty National Programs
Coverages Abusive Acts, Auto Comm-Standard, Crime, E&O, Garage Keepers Legal Liab, GL, Inland Marine, Liquor Liab, Professional Liab, Property,
In-Home Businesses
Flow Insurance Services
Coverages Excess Flood, Flood Carrier Status Non-admitted States All States
Shelly, Middlebrooks & O’Leary Inc.
Coverages Abuse & Molestation, Business Income, Business Interruption, CGL, Crime, Cyber Liab, D&O, E&O, EPLI, Excess Liab Carrier Status Non-admitted States FL, GA, NC, SC, TX
South & Western General Agency Inc.
Coverages BOP, Business Interruption Carrier Status Admitted States AR, MS, NM, OK, TN, TX
Industrial Parks
MG Skinner & Associates
Coverages Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, E&O, Earthquake, EPLI, Excess Liab, Flood, Professional Liab, Property, Real & Business Personal Prop, Tenant Discrimination, Umbrella, Wind, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Innkeepers
Philadelphia Insurance Companies
Coverages Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Business Income, Care/Custody/ Control, CGL, Crime, D&O, Employee Benefits, EPLI, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Personal Property, Professional Liab, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA
Insurance Agents & Brokers (P/C L/H)
Apogee Insurance Group, a Berkshire Hathaway Company
Coverages Crime, Cyber Liab, D&O, EPLI, GL, Media Liab, Pollution Liab, Professional Liab Carrier Status Admitted, Non-admitted States All States
Cooper & McCloskey Inc.
Coverages E&O, Professional Liab Carrier Status Admitted, Non-admitted States AK, AZ, CA, CO, GA, HI, IL, NV, NY, OR, TN, TX, UT, WA
ERGO NEXT Insurance
Coverages BOP, Excess Liab, GL,
Ryan Specialty National Programs
Coverages Auto Comm-Nonstandard, Care/Custody/Control, E&O, Excess Liab, GL, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
The Mechanic Group, Inc., a division of SPG Coverages CGL, Commercial Excess, Contractors License Bonds, D&O, E&O, EPLI, Liability, Umbrella, Workers’ Comp Carrier Status Non-admitted States All States
Investment Companies
Unitas Financial Services
Coverages Foreclosed Properties, Liability, Property, Rented Property, Residential Property Carrier Status Admitted, Non-admitted States All States except AK, HI
Janitorial Firms
bolt
Coverages Auto Comm-Standard, BOP, Liability, Property, Workers’ Comp Carrier Status Admitted States All States except DC
Integrated Specialty Coverages (ISC)
Coverages CGL, GL Carrier Status Non-admitted States All States
Omaha National
Coverages Workers’ Comp Carrier Status Admitted States Most States
PEO Brokers Group
Coverages WC - Master Policies/ASO, Workers’ Comp, Workers’ Comp Plus (Alternative) States All States
Risk Placement Services Sacramento
Coverages GL, Inland Marine, Liability, Lost Key, Property Carrier Status Admitted, Non-admitted States CA
Ryan Specialty National Programs
Coverages Auto Commercial - Nonstandard, Care/Custody/ Control, E&O, Excess Liability, General Liability, Property,
Jr. Markets/Liquor Stores
Labor Unions
Laboratories - Testing
Rink Owners & Operators
2026 Annual Program Directory, Summer Edition
Landscape Contractors
Brownyard Group
Coverages Auto, Care/Custody/Control, Commercial Excess, Completed Operations, E&O, Environmental, Equipment Breakdown, Fire Legal Liab, GL, Herbicide & Pesticide, Inland Marine, Liability, Pollution, Professional Liab, Property Carrier Admitted States All except CA, LA, NV, NY, SC
Integrated Specialty Coverages (ISC)
Coverages CGL, GL Carrier Status Non-admitted States All States
MiniCo Insurance Agency, a Jencap Company
Coverages Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, CGL, GL, Herbicide & Pesticide, Inland Marine, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Omaha National Coverages Workers’ Comp Carrier Status Admitted States Most States
Oryx Insurance Brokerage Inc.
Coverages Auto Comm-Standard, GL, Umbrella, Workers’ Comp Carrier Status Admitted States CT, DE, MD, NJ, NY, PA, VT
Landscape Gardeners
Brownyard Group
Coverages Auto Comm-Standard, Care/Custody/Control, Commercial Excess, Completed Operations Liab, E&O, Environmental Liab, Equipment Breakdown, Fire Legal Liab, GL, Herbicide & Pesticide, Inland Marine, Liability, Lost Key, Pollution Liab, Property Carrier Status Admitted States All States except CA, LA, NV, NY, SC
Integrated Specialty Coverages (ISC)
Coverages CGL, GL Carrier Non-admitted
Laser Centers
Professional Program Ins. Brokerage, a Div of SPG Ins. Sol
Coverages Abuse & Molestation, Blanket Addt’l Insureds, CGL, Commercial Excess, Cyber Liab, E&O, Equipment Breakdown, Excess Liab, GL, Inland Marine, Liability, Media Liab, Misc Professional Liab, Products Liab, Professional Liab, Property, Sexual Misconduct, Tanning Liab, Teachers Liab Carrier Status Non-admitted States All States
Laundries/Coin Laundry
Bass Underwriters
Coverages Assault & Battery, Bailee/Customer Goods, Business Income, Fire, GL, Hired & Non-owned Auto, Property, Wind States Most States
Law Firms
Amwins - 155+ Locations Worldwide
Coverages E&O, Legal Liab, Professional Liab
Carrier Status Admitted, Non-admitted States All States
Association Member Benefits Advisors LLC
Coverages BOP, Cyber Liab, D&O, E&O, EPLI, Event Cancellation, Fidelity Bonds, Identity Theft, Legal Malpractice, Misc Professional Liab, Professional Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Cooper & McCloskey Inc.
Coverages Legal Malpractice, Professional Liab
Carrier Status Admitted, Non-admitted States AK, AZ, CA, CO, GA, HI, IL, NV, NY, OR, TN, TX, UT, WA
GIG Professional Programs
Coverages Legal Liab, Legal Malpractice
Carrier Status Admitted States FL
Hull & Company
Coverages Commercial Excess, D&O, E&O, EPLI
Carrier Status Admitted, Non-admitted States All States except DC
Johnson & Johnson
Coverages Cyber Liab, E&O, EPLI, Kidnap/Ransom, Professional Liab Carrier Status Non-admitted States All States
Landy Insurance Agency
Coverages BOP, Crime, Cyber Liab, D&O, E&O, EPLI, Professional Liab, Workers’ Comp Carrier Status Admitted States All States
MiniCo Insurance Agency, a Jencap Company
Coverages E&O, Professional Liab Carrier Status Admitted, Non-admitted States All States
Synergy Professional Associates Inc.
Coverages Excess Liab, Professional Liab Carrier Admitted, Non-admitted States All States except AR, KS, MO
The McGowan Companies
Coverages E&O, Excess Liab, Professional Liab States AL, CA, CO, CT, FL, GA, MI, NV, NY, OH, TN, TX, WA
Vanguard Specialty
Coverages E&O, Excess Liab, Professional Liab Carrier Status Admitted, Non-admitted States All States
Wilkoff Bonds
Coverages Crime, Fidelity, Fidelity Bonds, Fiduciary Liab Carrier Status Admitted States All States
Libraries
Brownyard Group
Coverages Abuse & Molestation, Auto, Boiler & Machinery, Business Income, Business Interruption, CGL, Commercial Excess, Crime, Cyber Liab, D&O, E&O, EPLI, Equipment Breakdown, Fine Arts, Fire, GL, Hail, HNOA, Inland Marine, Liability, Medical Payments, Nonprofit D&O, Personal Property, Professional Liab, Property, Theft, Wind, Workers’ Comp Carrier Admitted States All except AK, FL, HI, WA
Limousine Service Companies
National Indemnity Company
Coverages Auto - Nonstandard, Liability, Medical Payments, Uninsured Motorists Carrier Status Admitted, Non-admitted States All States except HI, MA, NJ, NY
Philadelphia Insurance Companies
Coverages Auto Comm-Standard Liability & Physical Damage, CGL, Hired & Non-owned Auto Carrier Status Admitted States All States except FL, LA, MI, NV, NY
Prime Insurance Company
Coverages Abuse & Molestation, Assault & Battery, Auto, Commercial Excess, DIC, GL, HNOA, Motor Truck Cargo, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States All States
2026 Annual Program Directory, Summer Edition
Liquor Stores
bolt
Coverages Auto Comm-Standard, BOP, Liability, Liquor Liab, Property, Workers’ Comp Carrier Status Admitted States All States except DC
Business Alliance Insurance Company
Coverages BOP, Cyber Liab, EPLI, Equipment Breakdown, Liquor Liab Carrier Status Admitted States CA
Gorst & Compass Insurance
Coverages Business Income, CGL, Liquor Liab, Property Carrier Status Non-admitted States CA
Number One Insurance Agency
Coverages GL, Liquor Liab, Property, Vacant Building Carrier Status Admitted States MA
Long Term Care Facilities
Amwins - 155+ Locations Worldwide
Coverages Abusive Acts, GL, Professional Liab, Workers’ Comp Carrier Status Admitted States All States
Lumber Mills/Saw/Plywood
Continental Underwriters
Coverages Commercial Auto - Standard & Nonstandard, Boiler & Machinery, Builders Risk, Cargo, Crime, Earthquake, Equipment, Equipment Breakdown, Flood, Foreign GL, Hail, Inland Marine, Liability, Motor Truck Cargo, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Pennsylvania Lumbermens Mutual Insurance Company
Coverages Auto Comm-Standard, CGL, Commercial Marine, EPLI, Equipment Breakdown, Inland Marine, Liability, Property, Umbrella Carrier Status Admitted States All States
Machine Shops
Omaha National
Coverages Workers’ Comp Carrier Status Admitted States Most States
Pennsylvania Lumbermens Mutual Insurance Company
Coverages Auto Comm-Standard, CGL, Commercial Marine, EPLI, Equipment Breakdown, Inland Marine, Liability, Property, Umbrella Carrier Status Admitted States All States
Western Surplus Lines Agency Inc.
Coverages Bailee/Customer Goods, Blanket Addt’l Insureds, Blanket Waivers, CGL, Commercial Excess, Completed Operations Liab, Contractors Equip, Hired & Non-owned Auto, Medical Payments, Misc Professional Liab, Products Liab Carrier Status Non-admitted States LA, ND, NM, OK, TX
Manufacturers
AllComp Solutions
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States
Amwins - 155+ Locations Worldwide
Coverages All Risks/Cash in Transit, Cargo, Commercial Marine, Wet Marine Carrier Status Admitted States All States
Applied Underwriters Inc.
Coverages Builders Risk, Combo Personal & Commercial, Workers’ Comp Carrier Status Admitted States All States
Continental Underwriters
Coverages Business Income, Business Interruption, Cargo, Crime, Equipment Breakdown, Excess Liab, GL, Liability, Property, Theft, Umbrella, Wind, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Cowbell Cyber
Coverages Breach of Security, Business Income, Business Interruption, Cyber Liab Carrier Status Admitted States All States except AK, HI, VT
Great American Insurance Group, Alternative Markets
Coverages Auto Comm-Standard, BOP, CGL, Inland Marine, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
JC Wilson Consulting Inc.
Coverages Boiler & Machinery, Equipment Breakdown, Product Extended Warranty, Service Contracts, Warranties, Extended Carrier Status Admitted States All States
Joseph Chiarello & Co., Inc.; Firearms Business Insurance
Coverages CGL, Equipment Breakdown, Firearms Liability, Property, Umbrella Carrier Status Admitted States All States
MacAfee & Edwards Inc. - MxRisk Insurance Services
Coverages Foreign GL, Int’l Coverage - Commercial, Int’l Coverage - Personal Carrier Status Admitted, Non-admitted States All States
Meramec Secure Inc. / Personal Safeguards Group LLC
Coverages Product Extended Warranty, Service Contracts, Warranties, Extended Carrier Admitted States All States
NeitClem Wholesale Insurance Brokerage Inc.
Coverages Blanket Addt’l Insureds, Completed Operations Liab, Equipment, Foreign GL, Inland Marine, Liability, Motor Truck Cargo, Pollution, Product Extended Warranty, Products Liab Carrier Status Admitted, Non-admitted States AZ, CA, NV, TX
Oryx Insurance Brokerage Inc.
Coverages Auto Comm-Standard, CGL, Crime, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Parcel Insurance Plan
Coverages Cargo, Inland Marine Carrier Status Admitted States All States
Pennsylvania Lumbermens Mutual Insurance Company
Coverages Auto Comm-Standard, CGL, Commercial Marine, EPLI, Equipment Breakdown, Inland Marine, Liability, Property, Umbrella Carrier Status Admitted States All States
Philadelphia Insurance Companies
Coverages Auto, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Inland Marine, Professional Liab, Property, Umbrella, Uninsured Motorists
Carrier Admitted, Non-admitted States All States except LA
Professional Program Ins. Brokerage, a Div of SPG Ins. Sol
Coverages Abuse & Molestation, Blanket Addt’l Insureds, CGL, Commercial Excess, Cyber Liab, Inland Marine, Products Liab, Property Carrier Status Non-admitted States All States
Quirk & Company
Coverages CGL, Environmental Liab, Equipment, Excess Flood, Flood, Products Liab, Professional Liability, Property Carrier Status Non-admitted States LA, OK, OR, TX, WA
Coverages GL, Property Carrier Status Non-admitted States All States
StateFund First, a division of Arthur J Gallagher & Co.
Insurance Brokers of CA Inc.
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States CA
The McGowan Companies
Coverages Abuse & Molestation Carrier Status Admitted States All States
Union General Insurance Services Inc.
Coverages Blanket Addt’l Insureds, Blanket Waivers, Business Income, CGL, Commercial Excess, Completed Operations Liability, Cyber Liability, Equipment, Equipment Breakdown, Fire, GL, Hired & Non-owned Auto, Inland Marine, Products Liability, Property Carrier Status Non-admitted States AR, AZ, CA, NM, NV, OK, OR, TX
Walter General Agency (WGA)
Coverages Boiler & Machinery, Builders Risk, Business Income, Business Interruption, Cargo, CGL, Commercial Excess, Completed Operations Liab, Excess Liab, Hired & Non-owned Auto, Liability, Medical Payments, Motor Truck Cargo, Products Liab, Property, Technology E&O, Theft, Tools & Equip, Umbrella Carrier Status Non-admitted States AR, IA, ID, IL, IN, KS, KY, MO, OK, TN
Marina Operators
Hull & Company
Coverages Commercial Marine, Marina Operators Legal, Property Carrier Non-admitted States All States except DC
Marine Underwriters of America
Coverages Boats, GL, Hull, Inland Marine, Liquor Liab, Marina Operators Legal, Piers & Docks, Protection & Indemnity (P&I), Real & Business Personal Prop, Ship Repairers Legal Carrier Status Admitted States All States
Markel Personal Lines
Coverages Boats, Commercial Marine, Hull, Pollution Liab, Watercraft Liab Carrier Status Admitted States All States
McGowan Allied Specialty Insurance
Coverages Auto Comm-Standard, CGL, Crime, Equipment Breakdown, Excess Liab, Hired & Non-owned Auto, Inland Marine, Marina Operators Legal, Property, Workers’ Comp Carrier Status Admitted States All States
Mexico Insurance Online
Coverages Boats, Int’l Coverage - Personal, Watercraft Liab States All States
The American Equity Underwriters Inc.
Coverages MEL, USL&H, Workers’ Compensation States All States
Marina/Boat Repair & Service Centers
Marine Underwriters of America
Coverages Excess Liab, GL, Hull, Inland Marine, Protection & Indemnity (P&I), Real & Business Personal Prop, Ship Repairers Legal Carrier Status Admitted States All States
Markel Personal Lines
Coverages Boats, Commercial Marine, Hull, Pollution Liab, Watercraft Liab Carrier Status Admitted States All States
Roush Insurance Services Inc.
Coverages Bailee/Customer Goods, Boiler & Machinery, Business Income, Business Interruption, Care/Custody/ Control, CGL, Commercial Marine, Crime, Cyber Liab, D&O, EPLI, Equipment Breakdown, Excess Liab, Fire, GKLL, GL, Hoist/Haul-out, Hull, Inland Marine, Liability, Lost Key, Marina Operators Legal, Mechanical Breakdown, Physical Damage, Pollution, Property, Protection & Indemnity (P&I), Real & Business Personal Prop, Ship Repairers Legal, Theft, Tools & Equip, Watercraft Liab, Watersports Liab, Wet Marine Carrier Non-admitted States IA, IL, IN, MN, ND, OH, SD, WI
Sun Coast General Insurance Agency
Coverages Boats, Care/Custody/Control, CGL, Commercial Marine, Marina Operators Legal, Piers & Docks, Ship Repairers Legal, Tools & Equip, Uninsured Boaters, Watercraft Liab, Wet Marine Carrier Status Admitted, Non-admitted States AK, AZ, CA, CO, FL, NV, OR, UT, WA
Marinas/Boat Dealers
Integrated Specialty Coverages (ISC)
Coverages Cargo, Excess Liab, GL, Hull Carrier Status Non-admitted States All States
Marine Underwriters of America
Coverages Boats, Dealers Open Lot, Excess Liab, GL, Hired & Non-owned Auto, Hull, Inland Marine, Liquor Liab, Marina Operators Legal, Protection & Indemnity (P&I), Real & Business Personal Prop, Watercraft Liab Carrier Status Admitted States All States
Mexico Insurance Online
Coverages Boats, Int’l Coverage - Personal, Watercraft Liab States All States
Sun Coast General Insurance Agency
Coverages Boats, Cargo, CGL, Commercial Marine, Hull, Physical Damage Rental Units, Piers & Docks, Ship Repairers Legal, Uninsured Boaters, Watercraft Liab, Wet Marine Carrier Status Admitted, Non-admitted States AK, AZ, CA, CO, FL, NV, OR, UT, WA
Martial Arts Facilities
Sports & Wellness Insurance
Coverages Abuse & Molestation, Accident & Health, Crime, Cyber Liab, D&O, GL, Hired & Non-owned Auto, Inland Marine, Property, Umbrella Carrier Status Admitted, Non-admitted States All States
Medical & Physical Rehab Facilities
Amalgamated Insurance Underwriters
Coverages Assault & Battery, Crime, Earthquake, Equipment Breakdown, Flood, Property Carrier Status Non-admitted States All States except CO, FL, HI, LA, NY, TX
Amwins - 155+ Locations Worldwide
Medical Professionals
Access E&S Insurance Services
Coverages Excess Liability, Professional Liability Carrier Status Non-admitted States AR, DC, DE, GA, IL, MD, NC, NJ, NY, OH, PA, SC, TN, TX, VA
NeitClem Wholesale Insurance Brokerage Inc.
Coverages D&O, E&O, Liability, Medical Malpractice, Professional Liab Carrier Status Admitted, Non-admitted States AZ, CA, NV, TX
TDC Specialty Underwriters
Coverages Liability, Medical Malpractice, Professional Liab Carrier Status Admitted, Non-admitted States All States except KS, NM, NY, WI
The McGowan Companies
Coverages Misc Professional Liab, Professional Liab Carrier Status Admitted, Non-admitted States All States
Medical Spas
Integrated Specialty Coverages (ISC)
Coverages Abuse & Molestation, Addt’l Expense, Employee Benefits, GL, Hired & Non-owned Auto, Medical Professional Carrier Status Non-admitted States All States
Professional Program Ins. Brokerage, a Div of SPG Ins.
Coverages Abuse & Molestation, Blanket Addt’l Insureds, CGL, Commercial Excess, Cyber Liab, E&O, Equipment Breakdown, Excess Liab, GL, Inland Marine, Liability, Media Liab, Misc Professional Liab, Products Liab, Professional Liab, Property, Sexual Misconduct, Tanning Liab, Teachers Liab Carrier Status Non-admitted States All States
Mental Health Care Facilities
Addiction Treatment Providers Insurance Program
Coverages Abuse & Molestation, Auto Comm-Standard, Business Income, Cyber Liab, Hired & Non-owned Auto, Liability, Medical Malpractice, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except NY
Amwins - 155+
Locations Worldwide
Coverages Business Interruption, Employee Benefits, Fidelity Bonds, GL, Professional Liab, Property, Workers’ Comp Carrier Status Non-admitted States All States
Irwin Siegel Agency
Coverages Abuse & Molestation, Addiction Treatment, Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Boiler & Machinery, Business Income, Crime, Cyber Liab, GL, Inland Marine, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States
Philadelphia Insurance Companies
Coverages Abuse & Molestation, Addiction Treatment, Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Inland Marine, Professional Liab, Property, Real & Business Personal Prop, Sexual Misconduct, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA
Metalworking Companies
Amwins - 155+ Locations Worldwide
Coverages Auto Comm-Standard, Crime, Equipment Breakdown, GL, Inland Marine, Property, Stop-Gap, Umbrella, Workers’ Comp Carrier Status Admitted States All States
Oryx Insurance Brokerage Inc.
Coverages Auto Comm-Standard, CGL, Crime, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States Mobile Home Parks (Commercial)
Insurance Services
Coverages Excess Flood, Flood Carrier Status Non-admitted States All States
Gorst & Compass Insurance
Coverages Business Income, CGL, Property Carrier Status Non-admitted States CA Philadelphia Insurance Companies
Coverages Auto Comm-Standard, Boiler & Machinery, CGL, D&O, Employee Benefits, EPLI, Equipment, Fire Legal Liab, GL, Hired & Non-owned Auto, Liability, Property, Umbrella, Uninsured Motorists, Uninsured Personal Injury Carrier Status Admitted States All States except LA South & Western General Agency Inc.
Coverages GL, Property Carrier Status Non-admitted States AR, MS, NM, OK, TN, TX
Coverages Blanket Forced Placed, E&O, Excess Flood, Flood, Force Place Fire Cvrg, Foreclosed Properties, High Valued Homes, Mobile Home Ins, Mortgage Impairment, Mortgage REO Cvrg, Rented Property, Residential Property Carrier Status Non-admitted States All States
Ryan Specialty National Programs
Coverages Collateral Protection, Force Place Fire Cvrg, GL, Mortgage Impairment, Mortgage REO Cvrg, Property, Vacant Building Carrier Status Non-admitted States All States
Wilkoff Bonds
Coverages Contractors License Bonds, Crime, Fidelity, Fidelity Bonds, Fiduciary Liab Carrier Status Admitted States All States
Mortgage Brokers
Landy Insurance Agency
Coverages BOP, Crime, Cyber Liab, D&O, E&O, EPLI, Professional Liab, Workers’ Comp Carrier Status Admitted States All States
Norman-Spencer Agency LLC
Coverages Cyber Liab, E&O States All States except AK, HI
RealCare Insurance
Coverages E&O, Professional Liab Carrier Status Admitted, Non-admitted States All States
Wilkoff Bonds
Coverages Contractors License Bonds, Crime, Fidelity, Fidelity Bonds, Fiduciary Liab Carrier Status Admitted States All States
Motion Picture (Film/Video) Producers
Alive Risk
Coverages Accident & Health, Accidental Death, CGL, Contingent Coverages, Event Cancellation, Excess Liab, Hired & Non-owned Auto, Inland Marine, Liquor Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Philadelphia Insurance Companies
Coverages Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, Cyber Liab, D&O, EPLI, Equipment Breakdown, Inland Marine, Participant Accident, Professional Liab, Property, Umbrella Carrier Status Admitted States All States except LA
Motor Sports
Alive Risk
Coverages Abuse & Molestation, CGL, Event Cancellation, Excess Liab, Hired & Non-owned Auto, Participant Accident, Prize Indemnification, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
K&K Insurance Group Inc.
Coverages Auto Comm-Standard, CGL, Crime, Disability, EPLI, Inland Marine, Property, Workers’ Comp Carrier Status Admitted States All States
Motorcycle Dealers
Mexico Insurance Online
Coverages Auto Pers-Nonstandard, Auto Pers-Standard, Emergency Towing & Service, Int’l Coverage - Personal, Liability, Physical Damage States All States
Ryan Specialty National Programs
Coverages Dealers Open Lot, E&O, Garage Liability, GL, Physical Damage, Property Carrier Status Non-admitted States Most States
Moving & Storage Companies
SPG Transportation - Moving and Storage
Coverages Auto Comm-Standard Liability, Cargo, Crime, Cyber Liab, Property, Umbrella, Workers’ Comp States All States
Moving Companies
Prime Insurance Company
Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States All States
SPG Transportation - Moving and Storage
Coverages Auto Comm-Standard Liability, Cargo, Crime, Cyber Liab, Property, Umbrella, Workers’ Comp States All States
Municipalities
Apex
Coverages Auto Comm-Standard, Auto Comm-Standard Phys Dmg, CGL, Commercial Excess, Crime, EPLI, Equipment Breakdown, Inland Marine, Property, Public Officials Carrier Status Admitted, Non-admitted States All States except AK, DC, OR, WA
Greene & Associates
Coverages Commercial Excess, Umbrella Carrier Admitted, Non-admitted States All States except HI Professional Governmental Underwriters
Coverages D&O, E&O, EPLI, Police Professional Liab Carrier Status Admitted, Non-admitted States All States
RPS Programs
Coverages Abuse & Molestation, Auto Comm-Standard, Crime, EPLI, Excess Liab, GL, Inland Marine, Physical Damage, Police Professional Liab, Property, Public Officials States All States
The McGowan Companies
Coverages Commercial Excess, Umbrella Carrier Status Admitted States All States
Wright Specialty Insurance
Coverages Auto Comm-Standard Liability & Physical Damage, Business Income, CGL, Crime, Cyber Liab, EPLI, Equipment, Equipment Breakdown, Excess Liab, Fire, Inland Marine, Property, Public Officials Carrier Status Admitted States Most States
Museums
Care Providers Insurance Services
Coverages Business Interruption, Crime Carrier Status Admitted States All States
Charity First Insurance Services Inc.
Coverages Auto Comm-Standard, Blanket Addt’l Insureds, Business Income, CGL, Crime, Cyber Liab, EPLI, Inland Marine, Nonprofit D&O, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States
Distinguished Programs
Coverages Fine Arts, Physical Damage, Property Carrier Status Admitted States All States
Great American Ins. Group, Specialty Human Services
Coverages Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Boiler & Machinery, Business Income, CGL, Commercial Excess, Completed Operations Liab, Crime, Educator Legal Liab, Equipment Breakdown, Excess Liab, Fidelity, Fine Arts, Fire Legal Liab, GL, Historic Bldgs/Unique Property, Inland Marine, Liquor Liab, Medical & Physical Rehab, Property, Real & Business Personal Prop, Sexual Misconduct, Umbrella Carrier Status Admitted States All States except HI, LA, OK
Integrated Specialty Coverages (ISC)
Coverages Assault & Battery, Fine Arts, GL, Property Carrier Status Non-admitted States All States
Nonprofits Insurance Alliance
Coverages Auto Comm-Standard, Auto Comm-Standard Phys
Dmg, Blanket Addt’l Insureds, Business Income, Business Interruption, CGL, Crime, EPLI, Fiduciary Liab, Fire Legal Liab, Hired & Non-owned Auto, Inland Marine, Liquor Liab, Mechanical Breakdown, Misc Professional Liab, Nonprofit D&O, Umbrella Carrier Status Non-admitted States Most States
Philadelphia Insurance Companies
Coverages Abuse & Molestation, Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Inland Marine, Nonprofit D&O, Participant Accident, Professional Liab, Property, Real & Business Personal Prop, Sexual Misconduct, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA
Coverages Assault & Battery, Fire, GL, Inland Marine, Liability, Liquor Liab, Spoilage Carrier Status Admitted, Non-admitted States AZ, CA, NV, TX
Number One Insurance Agency
Coverages Assault & Battery, Excess Liab, Flood, GL, Liquor Liab, Property, Vacant Building Carrier Status Admitted States MA
Nonprofit Organizations
AMIS/Alliance Marketing & Insurance Services LLC
Coverages Auto Comm-Standard Liability & Physical Damage, Liability, Professional Liab, Property Carrier Status Admitted States All States
Apogee Insurance Group, a Berkshire Hathaway Company
Coverages Crime, Cyber Liab, EPLI, GL, Media Liability, Nonprofit D&O, Pollution Liability, Professional Liability Carrier Status Admitted, Non-admitted States All States
Ascendant Insurance Solutions
Coverages Auto Comm-Standard, Cyber Liab, Professional Liab, Workers’ Comp Carrier Status Admitted States AL, AZ, CA, CO, CT, DC, FL, GA, IL, KY, LA, MA, MD, NC, NJ, NM, NV, NY, PA, SC, TN, TX, VA, VT, WY
Berkley Select | a Berkley Company
Coverages D&O, EPLI, Fiduciary Liab, Nonprofit D&O Carrier Status Admitted, Non-admitted States All States Care Providers Insurance Services
Coverages Abuse & Molestation, Auto Comm-Standard, Business Interruption, Crime, D&O, Equipment Breakdown, GL, Hired & Non-owned Auto, Liability, Participant Accident, Professional Liab, Property, Theft, Umbrella Carrier Status Admitted States All States except AK, HI
Charity First Insurance Services Inc.
Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, Boiler & Machinery, Business Income, CGL, Crime, Cyber Liab, EPLI, Equipment Breakdown, Int’l Coverage - Commercial, Liquor Liab, Nonprofit D&O, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States
CID Insurance Programs Inc.
Coverages BOP, Commercial Excess, D&O, EPLI, Excess Liab, GL, Liability, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States AZ, CA, CO, ID, MD, NE, NM, NV, OR, PA, TN, TX, UT, VA, WA
Gateway Specialty Insurance
Coverages Abuse & Molestation, EPLI, GL, Nonprofit D&O, Professional Liab, Property, Umbrella Carrier Admitted, Non-admitted States All States except AK, HI, LA
Great American Ins. Group, Specialty Human Services
Coverages Abuse & Molestation, Auto Comm-Nonstandard, Blanket Addt’l Insureds, Business Income, CGL, Commercial Excess, Community/Social Svcs, Crime, Educator Legal Liab, Employee Benefits, Equipment Breakdown, Excess Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Inland Marine, Misc Professional Liability, Professional Liability, Umbrella Carrier Status Admitted States All States except HI, LA, OK
Irwin Siegel Agency
Coverages Abuse & Molestation, Accident & Health, Addiction Treatment, Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Boiler & Machinery, BOP, Business Income, CGL, Community/Social Svcs, Crime, Cyber Liab, D&O, E&O, EPLI, Nonprofit D&O, Property, Umbrella Carrier Status Admitted, Non-admitted States All States
MiniCo Insurance Agency, a Jencap Company
Coverages Abuse & Molestation, Accident & Health, Auto Comm-Standard, Boiler & Machinery, Business Income, Business Interruption, Commercial Excess, Community/ Social Svcs, Crime, D&O, E&O, Earthquake, EPLI, Equipment Breakdown, Hired & Non-owned Auto, Liquor Liab, Medical Malpractice, Medical Payments, Medical Professional, Nonprofit D&O, Property, Sexual Misconduct, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except HI, LA
Nonprofits Insurance Alliance
Coverages Abuse & Molestation, D&O, Fiduciary Liab, GL, Hired & Non-owned Auto, Liability, Physical Damage, Professional Liab, Umbrella Carrier Status Admitted, Non-admitted States Most States
Philadelphia Insurance Companies
Coverages Abuse & Molestation, Auto, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Inland Marine, Nonprofit D&O, Participant Accident, Professional Liab, Property, Real & Business Personal Prop, Sexual Misconduct, Umbrella, Uninsured Motorists
Carrier Status Admitted States All States except LA Shelly, Middlebrooks & O’Leary Inc.
Coverages Abuse & Molestation, Accident & Health, Crime, Cyber Liab, D&O, GL, Hired & Non-owned Auto, Inland Marine, Property, Umbrella Carrier Status Admitted, Non-admitted States All States
Union General Insurance Services Inc.
Coverages Abusive Acts, Addiction Treatment, Assault & Battery, Blanket Addt’l Insureds, BOP, CGL, Community/ Social Svcs, Completed Operations Liab, Crime, Cyber Liab, D&O, EPLI, Excess Liab, Inland Marine, Nonprofit D&O, Professional Liab, Property, Religious Institutions, Sexual Misconduct, Umbrella Carrier Status Admitted, Non-admitted States AR, AZ, CA, NM, NV, OK, OR, TX
Victor Insurance Managers LLC
Coverages Crime, D&O, EPLI, Fiduciary Liab, Kidnap/ Ransom, Nonprofit D&O Carrier Status Admitted, Non-admitted States All States
Nurseries / Garden Centers
Agricultural Insurance Mgmt Services
Coverages CGL, Contractors Equip, Equipment, Equipment Breakdown, Products Liab, Property Carrier Status Admitted States Most States
Nursing Homes
Amalgamated Insurance Underwriters
Coverages Assault & Battery, Crime, Earthquake, Equipment Breakdown, Flood, Property Carrier Status Non-admitted States All States except CO, FL, HI, LA, NY, TX
Amwins - 155+ Locations Worldwide
Coverages Abuse & Molestation, GL, Professional Liab, Umbrella Carrier Status Non-admitted States All States
Flood Risk Solutions Inc.
Coverages Addt’l Living Expense, Builders Risk, Business Income, Business Interruption, Commercial Excess, Excess Flood, Flood, Personal Property Carrier Status Non-admitted States All States
Sapphire Blue
Coverages CGL, Professional Liability
Carrier Status Non-admitted States All States except KY
Wilkoff Bonds
Coverages Crime, Fidelity, Fidelity Bonds, Fiduciary Liab Carrier Status Admitted States All States
Nutraceutical Manufacturers/Distributors
Non-admitted States All States
Office Building Owners
Berkley Luxury Group, a W.R. Berkley Company
Coverages CGL, Cyber Liab, GKLL, Hired & Non-owned Auto, Property Carrier Status Admitted, Non-admitted States AZ, CO, DC,
Flow Insurance Services
Coverages Excess Flood, Flood Carrier Status Non-admitted States All States
HabPro Insurance
Coverages Business Income, Equipment Breakdown, Hired & Non-owned Auto, Property Carrier Status Non-admitted States All States except AK, FL, HI, LA
Hinterland Insurance
Coverages CGL, Earthquake, GL, Property, Vacant Building Carrier Status Non-admitted States All States except OK, TX
Integrated Specialty Coverages (ISC)
Coverages Earthquake, Equipment Breakdown, Flood, Lost Key, Personal Property, Vacant Building Carrier Status Non-admitted States All States
MG Skinner & Associates
Coverages Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, E&O, Earthquake, EPLI, Excess Liab, Flood, Misc Professional Liab, Professional Liab, Property, Tenant Discrimination, Umbrella, Wind, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Philadelphia Insurance Companies
Coverages Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Employee Benefits, EPLI, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Inland Marine, Property, Real & Business Personal Prop, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA
Preferred Concepts LLC
Coverages Excess Liab, GL, Umbrella Carrier Status Admitted States All States
Quirk & Company
Coverages CGL, Commercial Excess, Excess Liab, Property, Vacant Building Carrier Status Admitted, Non-admitted States OK, TX
UCA General Insurance Services Inc.
Coverages Business Income, CGL, Cyber Liab, Equipment Breakdown, Fire Legal Liab, Hired & Non-owned Auto, Medical Payments, Property, Umbrella Carrier Non-admitted States AZ, CA, ID, NV, OR, UT, WA
Oil & Gas Operators
LIG Marine Managers
Coverages USL&H, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Target Managers Insurance Services
Coverages Auto Comm-Standard, CGL, Environmental Liab, Excess Liab, Pollution Liab, Property, Truck Auto Liab, Workers’ Comp Carrier Status Admitted,
Parent Teacher Organizations (PTAs/PTOs)
Nonprofits Insurance Alliance
Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, Business Income, Business Interruption, CGL, Community/Social Svcs, Developmental Disabilities, EPLI, Fiduciary Liab, Fire Legal Liab, Hired & Non-owned Auto, Inland Marine, Liquor Liab, Mechanical Breakdown, Misc Professional Liab, Nonprofit D&O, Sexual Misconduct, Umbrella, Uninsured Motorists Carrier Status Non-admitted States Most States
Pest Control Firms
Brownyard Group
Coverages Auto Comm-Standard, Blanket Addt’l Insureds, Blanket Waivers, Care/Custody/Control, CGL, Commercial Excess, Completed Operations Liab, Crime, E&O, Environmental Liab, Equipment Breakdown, Fidelity, Fidelity Bonds, Fire Legal Liab, GL, Herbicide & Pesticide, Inland Marine, Liability, Lost Key, Medical Payments, Pollution Liab, Products Liab, Professional Liab, Property, Stop-Gap, Workers’ Comp Carrier Admitted States All States except LA
Philadelphia Insurance Companies
Coverages CGL, GL, Inland Marine, Property, Umbrella Carrier Status Admitted States All States except LA, VT
Ryan Specialty National Programs
Coverages Auto Comm-Nonstandard, Blanket Addt’l Insureds, Blanket Waivers, Care/Custody/Control, Employee Benefits, Excess Liab, GL, Lost Key, Pollution, Professional Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Petroleum Distributors
Integrated Specialty Coverages (ISC)
Coverages Commercial Excess, Excess Liability Carrier Status Non-admitted States All States
Midwestern Insurance Alliance LLC
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States except ND, OH, WA, WY
Target Managers Insurance Services
Coverages Auto Comm-Standard, CGL, Environmental Liab, Excess Liab, Pollution Liab, Property, Truck Auto Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Physicians
Integrated Specialty Coverages (ISC)
Coverages Abuse & Molestation, Addt’l Expense, Employee Benefits, GL, Hired & Non-owned Auto, Medical Professional Carrier Status Non-admitted States All States
TDC Specialty Underwriters
Coverages Liability, Medical Malpractice, Professional Liab Carrier Status Admitted, Non-admitted States All States except KS, NM, NY, WI
Piers & Docks
Integrated Specialty Coverages (ISC)
Coverages Cargo, Excess Liability, GL, Hull Carrier Status Non-admitted States All States
Marine Underwriters of America
Coverages Excess Liab, GL, Hired & Non-owned Auto, Piers & Docks Carrier Status Admitted, Non-admitted States All States
Pizza Delivery
Amwins - 155+ Locations Worldwide
Coverages Auto Comm-Standard, BOP, Excess Liab, Hired & Non-owned Auto Carrier Status Admitted States All States
Plastic Manufacturers & Distributors
Amwins - 155+ Locations Worldwide
Coverages Auto Comm-Standard, Crime, Equipment Breakdown, GL, Inland Marine, Property, Stop-Gap, Umbrella, Workers’ Comp Carrier Status Admitted States All States
Podiatric Physicians
RPS Programs
Coverages Cyber Liab, MEDEFENSE Plus, Professional Liab, Sexual Misconduct States All States
TDC Specialty Underwriters
Coverages Liability, Medical Malpractice, Professional Liab Carrier Status Admitted, Non-admitted States All States except KS, NM, NY, WI
2026 Annual Program Directory, Summer Edition
Police/Law Enforcement Officers
Professional Governmental Underwriters
Coverages Blanket Wrongful Acts, Police Professional Liab Carrier Status Admitted, Non-admitted States All States
Production Companies
Alive Risk
Coverages Accident & Health, Accidental Death, CGL, Contingent Coverages, Event Cancellation, Excess Liab, Hired & Non-owned Auto, Inland Marine, Liquor Liab, Workers’ Comp Carrier Admitted, Non-admitted States All States
Integrated Specialty Coverages (ISC)
Coverages Equipment, Excess Liability, General Liability, Hired & Non-owned Auto, Inland Marine, Workers’ Comp Carrier Status Non-admitted States All States
Pennsylvania Lumbermens Mutual Insurance Company Coverages Auto Comm-Standard, CGL, Commercial Marine, EPLI, Equipment Breakdown, Inland Marine, Liability, Property, Umbrella Carrier Status Admitted States All States
Professional Employer Orgs (PEO’s)
Amwins - 155+ Locations Worldwide
Coverages Cyber Liab, EPLI, Workers’ Comp Carrier Status Admitted States All States
Philadelphia Insurance Companies
Coverages Business Income, Care/Custody/Control, CGL, Crime, D&O, Employee Benefits, EPLI, Fiduciary Liab, Fire Legal Liab, GL, Identity Theft, Legal Expense Ins, Personal Property, Professional Liab, Protection & Indemnity (P&I), Umbrella Carrier Status Admitted States All States except LA
Ryan Specialty National Programs
Coverages Abuse & Molestation, Blanket Addt’l Insureds, Blanket Waivers, Care/Custody/Control, Crime, Employee Benefits, EPLI, Excess Liab, GL, HNOA, Professional Liability, Property, Stop-Gap, Umbrella, Workers’ Compensation Carrier Status Admitted, Non-admitted States All States
StateFund First, a division ofArthur J Gallagher & Co. Insurance Brokers of CA Inc.
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States CA
World Wide Specialty, a Div of Philadelphia Ins. Co’s Coverages Abusive Acts, Auto Comm-Standard, Blanket Addt’l Insureds, Blanket Waivers, Care/Custody/Control, Crime, Cyber Liab, D&O, E&O, Employee Benefits, EPLI, Fidelity, Fidelity Bonds, GL, HNOA, Misc Professional Liab, Professional Liab, Property, Technology E&O, Umbrella, Workers’ Comp Carrier Status Admitted States All States
Professionals/Consultants/Contractors
Access E&S Insurance Services
Coverages Excess Liab, Pollution, Professional Liab
Carrier Status Non-admitted States AR, DC, DE, GA, IL, MD, NC, NJ, NY, OH, PA, SC, TN, TX, VA
Ascendant Insurance Solutions
Coverages Auto Comm-Standard, Contractors Equip, Excess Liab, GL, Workers’ Comp Carrier Status Admitted States AL, AZ, CA, CO, CT, DC, FL, GA, IL, KY, LA, MA, MD, NC, NJ, NM, NV, NY, PA, SC, TN, TX, VA, VT, WY
Coverages Apartment House Package, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, Cyber Liab, E&O, Earthquake, EPLI, Excess Liab, Flood, Misc Professional Liab, Professional Liab, Property, Tenant Discrimination, Umbrella, Wind, Workers’ Comp
Carrier Status Admitted, Non-admitted States All States
Preferred Concepts LLC
Coverages CGL, Umbrella Carrier Status Admitted States All States
RealCare Insurance
Coverages E&O, Professional Liab Carrier Status Admitted, Non-admitted States All States
Ryan Specialty National Programs
Coverages Collateral Protection, Force Place Fire Cvrg, GL, Mortgage Impairment, Mortgage REO Cvrg, Property, Vacant Building Carrier Status Non-admitted States All States
Southwest Risk
Coverages Builders Risk, CGL, Property, Umbrella Carrier Status Admitted, Non-admitted States All States
Unitas Financial Services
Coverages Dwelling Fire, E&O, Excess Damage, Foreclosed Properties, Liability, Property, Rented Property, Tenant Liability Carrier Status Non-admitted States All States except AK, HI
Property Managers
Apogee Insurance Group, a Berkshire Hathaway Company
Coverages Crime, Cyber Liab, D&O, EPLI, GL, Media Liab, Pollution Liab, Professional Liab Carrier Status Admitted, Non-admitted States All States
Integrated Specialty Coverages (ISC)
Coverages E&O, Professional Liab Carrier Status Non-admitted States All States
Johnson & Johnson
Coverages Crime, Cyber Liab, E&O, EPLI, Fidelity Bonds, Kidnap/Ransom, Professional Liab Carrier Status Non-admitted States All States
Landy Insurance Agency
Coverages Crime, Cyber Liab, D&O, E&O, EPLI, Professional Liab, Workers’ Comp Carrier Status Admitted States All States
MG Skinner & Associates
Coverages Apartment House Package, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, Cyber Liab, Earthquake, EPLI, Excess Liab, Flood, Misc Professional Liab, Professional Liab, Tenant Discrimination, Umbrella, Wind, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Preferred Concepts LLC
Coverages CGL, Umbrella Carrier Status Admitted States All States
RealCare Insurance
Coverages E&O, Professional Liab Carrier Status Admitted, Non-admitted States All States
Ryan Specialty National Programs
Coverages Collateral Protection, Force Place Fire Cvrg, GL, Mortgage Impairment, Mortgage REO Cvrg, Property, Vacant Building Carrier Status Non-admitted States All States
US Assure
Coverages GL, Rented Property, Residential Property Carrier Status Admitted States All States
Walter General Agency (WGA)
Coverages Blanket Addt’l Insureds, Blanket Waivers, Builders Risk, Business Income, Business Interruption, CGL, Excess Liab, GL, Liability, Medical Payments, Property, Umbrella Carrier Status Non-admitted States AR, IL, IN, KS, KY, MO, OK, TN
2026 Annual Program Directory, Summer Edition
Public Entities
Apex
Coverages Auto Comm-Standard Liability, CGL, Difference in Conditions, Equipment Breakdown, Excess Liab, Fidelity Bonds, Inland Marine, Police Professional Liab, Property, Public Officials, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except AK, DC, HI, OR, WA
Grundy Insurance
Coverages Auto Comm-Standard, CGL, D&O, E&O, EPLI, Equipment Breakdown, Excess Liab, Property, Public Officials Carrier Status Admitted States All States except DC, HI, LA
MAXIMUM
Coverages Boiler & Machinery, Builders Risk, Business Income, Business Interruption, Catastrophe, Earthquake, Equipment, Equipment Breakdown, Excess Flood, Flood, GL, Hurricane, Property, Public Officials, Umbrella Carrier Status Admitted, Non-admitted States All States Professional Governmental Underwriters
Coverages D&O, E&O, EPLI, Public Officials Carrier Status Admitted, Non-admitted States All States
RPS Programs
Coverages Abuse & Molestation, Auto, Crime, EPLI, Excess Liab, GL, Inland Marine, Physical Damage, Police Professional Liab, Property, Public Officials States All States
Wright Specialty Insurance
Coverages Auto - Commercial, Business Income, CGL, Crime, Cyber Liab, EPLI, Equipment, Equipment Breakdown, Excess Liab, Fire, Inland Marine, Property, Public Officials Carrier Status Admitted States Most States
Publishers
Cooper & McCloskey Inc.
Coverages Cyber Liab, D&O, E&O, EPLI, Kidnap/Ransom, Media Liab Carrier Status Admitted States CA
Real Estate Agents & Brokers
Apogee Insurance Group, a Berkshire Hathaway Company
Coverages Crime, Cyber Liab, D&O, EPLI, GL, Media Liab, Pollution Liab, Professional Liab Carrier Status Admitted, Non-admitted States All States
Association Member Benefits Advisors LLC
Coverages BOP, Cyber Liab, D&O, E&O, EPLI, Event Cancellation, Fidelity Bonds, Identity Theft, Legal Malpractice, Misc Professional Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Landy Insurance Agency
Coverages BOP, Crime, Cyber Liab, E&O, EPLI, Professional Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except AK, LA
Norman-Spencer Agency LLC
Coverages Cyber Liab, E&O Carrier Status Admitted States All States except AK, CA, LA, WV
RealCare Insurance
Coverages E&O, Professional Liab Carrier Status Admitted States All States except NY
Sun Coast General Insurance Agency
Coverages BOP, CGL, Cyber Liab, E&O, EPLI, GL, Workers’ Comp Carrier Status Non-admitted States AZ, CA, CO, NV, OR, UT, WA
Vanguard Specialty
Coverages E&O, Professional Liab Carrier Status Admitted, Non-admitted States Most States
Victor Insurance Managers LLC
Coverages Cyber Liab, E&O, Professional Liab Carrier Status Admitted, Non-admitted States All States
Real Estate Appraisers
Association Member Benefits Advisors LLC
Coverages BOP, Cyber Liab, D&O, E&O, Fidelity Bonds, Identity Theft, Legal Malpractice, Nonprofit D&O, Professional Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Landy Insurance Agency
Coverages BOP, E&O, Professional Liab, Workers’ Comp Carrier Status Admitted States All States except AK, LA
Norman-Spencer Agency LLC
Coverages Cyber Liab, E&O Carrier Status Admitted States All States except AK, LA, WV
RealCare Insurance
Coverages E&O, Professional Liab Carrier Status Admitted States All States except AK, LA, NY
Vanguard Specialty
Coverages E&O, Professional Liab Carrier Status Admitted States Most States
Real Estate Developers/Homebuilders
REInsurePro
Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Completed Operations Liab, Contractors Equip, Contractors License Bonds, Excess Liab, Inland Marine, Pollution Liab, Products Liab Carrier Status Admitted, Non-admitted States All States except NJ, NY
Southwest Risk
Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Umbrella Carrier Status Non-admitted States All States
Unitas Financial Services
Coverages Liability, Property, Rented Property, Residential Property Carrier Status Non-admitted States All States except AK, HI, MI
US Assure
Coverages Builders Risk, Business Income, COC, Contractors Equip, Earthquake, Fire, Flood, Hail, High Valued Homes, Hurricane, Installation Floaters, Residential Property, Theft, Tools & Equip, Weather, Wind Carrier Status Admitted States All States
Wholesure
Coverages Addt’l Living Expense, Apartment House Package, BOP, Builders Risk, Business Income, Business Interruption, CGL, Commercial Excess, GL, High Valued Homes, Liability, Loss of Use, Rented Property, Residential Property Carrier Status Non-admitted States All States
Recording Studios
Alive Risk
Coverages Accident & Health, CGL, Contingent Coverages, Event Cancellation, Excess Liab, Hired & Non-owned Auto, Inland Marine, Liquor Liability, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Recycling Centers
Amwins - 155+ Locations Worldwide
Coverages Auto Comm-Standard Liability & Physical Damage, Environmental Liab, GL, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Residential Care Centers
Gateway Specialty Insurance
Coverages Abuse & Molestation, Accident & Health, Auto Comm-Standard, Blanket Addt’l Insureds, CGL, Crime, Cyber Liab, D&O, Employee Benefits, EPLI, Equipment Breakdown, Foreign GL, Hired & Non-owned Auto, Professional Liab, Property Carrier Status Admitted, Non-admitted States All States
Nonprofits Insurance Alliance
Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, Business Income, Business Interruption, CGL, Community/Social Svcs, Developmental Disabilities, EPLI, Fiduciary Liab, Fire Legal Liab, Hired & Non-owned Auto, Inland Marine, Liquor Liab, Mechanical Breakdown, Misc Professional Liability, Nonprofit D&O, Sexual Misconduct, Umbrella, Uninsured Motorists Carrier Status Non-admitted States Most States
Residential Subcontractors
Builders & Tradesmen’s Insurance Services Inc. (BTIS)
Coverages Commercial Auto - Standard & Nonstandard, Builders Risk, CGL, COC, Contractors Equip, Excess Liability, GL, Inland Marine, Property, Workers’ Comp Carrier Status Admitted, Non-admitted
States All States except AK, FL, HI, MD, NY, VT
Integrated Specialty Coverages (ISC)
Coverages CGL, GL Carrier Status Non-admitted
States All States
Omaha National Coverages Workers’ Comp Carrier Status Admitted States Most States
Installation Floaters, Theft Carrier Status Admitted
States All States
Resorts
Amwins - 155+ Locations Worldwide
Coverages Auto Comm-Standard, Crime, Equipment
Breakdown, GL, Inland Marine, Property, Workers’ Comp Carrier Status Admitted States All States
Distinguished Programs
Coverages Auto Comm-Standard, Cyber Liab, GL, Property, Umbrella Carrier Status Admitted, Non-admitted States All States
Friedlander Group Inc.
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States AZ, CO, CT, DC, DE, FL, GA, IL, MD, ME, MI, MN, NC, NE, NH, NJ, NY, PA, RI, SC, TX, VA, VT, WI
Ryan Specialty National Programs
Coverages Abusive Acts, Auto Comm-Standard, Crime, E&O, Garage Keepers Legal Liab, GL, Inland Marine, Liquor Liability, Professional Liability, Property, Umbrella Carrier Status Admitted States All States
Restaurants
Ascendant Insurance Solutions
Coverages Auto Comm-Standard, Builders Risk, GL, Property, Workers’ Comp Carrier Status Admitted States AL, AZ, CA, CO, CT, DC, FL, GA, IL, KY, LA, MA, MD, NC, NJ, NM, NV, NY, OR, SC, TN, TX, VA, VT, WY
Bass Underwriters
Coverages Excess Liability, GL, Liquor Liability, Property Carrier Status Non-admitted States Most States
Berkley Luxury Group, a W.R. Berkley Company
Coverages CGL, Commercial Marine, Cyber Liability, GKLL, Hired & Non-owned Auto, Property, Umbrella Carrier Status Admitted, Non-admitted States AZ, CA, CO, CT, DC, GA, IL, IN, MA, MD, MI, MN, MO, NC, NJ, NM, NV, NY, OH, OR, PA, SC, TN, VA, WI
bolt
Coverages Auto Comm-Standard, BOP, CGL, Liquor Liab, Property, Workers’ Comp Carrier Status Admitted, Nonadmitted States All States except DC
Business Alliance Insurance Company
Coverages BOP, Cyber Liab, EPLI, Equipment Breakdown, Liquor Liab Carrier Status Admitted States CA
CID Insurance Programs Inc.
Coverages Assault & Battery, GL, Liquor Liab, Personal Property, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States AZ, CA, CO, ID, MD, NE, NM, NV, OR, PA, TN, TX, UT, VA, WA
Distinguished Programs
Coverages BOP, CGL, Crime, Cyber Liab, EPLI, GL, Property, Umbrella Carrier Status Admitted States All States
Element22 Insurance Services
Coverages CGL, Fire, Liability, Liquor Liab, Property, Umbrella, Wind Carrier Status Admitted States All States
ERGO NEXT Insurance
Coverages BOP, Cyber Liab, EPLI, Food Borne Illness, GL, Liquor Liab, Workers’ Comp Carrier Status Admitted States All States
Flood Risk Solutions Inc.
Coverages Addt’l Living Expense, Builders Risk, Business Income, Business Interruption, Commercial Excess, Excess Flood, Flood, Personal Property Carrier Status Non-admitted States All States
Friedlander Group Inc.
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative)
Carrier Status Admitted States AZ, CO, CT, DC, DE, FL, GA, IL, MD, ME, MI, MN, NC, NE, NH, NJ, NY, PA, RI, SC, TX, VA, VT, WI
Hull & Company
Coverages Assault & Battery, CGL, Property Carrier Status Non-admitted States All States except DC
Integrated Specialty Coverages (ISC)
Coverages Assault & Battery, Equipment Breakdown, GL, Liquor Liab, Property Carrier Status Non-admitted States All States
MAXIMUM
Coverages Boiler & Machinery, Business Income, Business Interruption, Catastrophe, Earthquake, Equipment, Equipment Breakdown, Excess Flood, Flood, GL, Property, Umbrella Carrier Status Admitted, Non-admitted States All States except NE
McLeckie Insurance Group
Coverages Business Income, CGL, Crime, EPLI, Food Borne Illness, Liquor Liab, Property Carrier Status Non-admitted States All States
Quirk & Company Coverages CGL, Property Carrier Status Non-admitted States NM, OK, OR, TN, TX, WA
Risk Placement Services Sacramento
Coverages CGL, Equipment, Liquor Liab, Property Carrier Status Admitted, Non-admitted States CA
River Valley Underwriters Inc.
Coverages Assault & Battery, BOP, Business Income, Business Interruption, Commercial Excess, Excess Liab, Fire, Fire Legal Liab, Food Spoilage, GL, Hail, Hired & Non-owned Auto, Inland Marine, Liability, Liquor Liab, Products Liab, Property, Spoilage, Theft, Umbrella, Vacant Building Carrier Status Admitted, Non-admitted States Most States
Roush Insurance Services Inc.
Coverages Assault & Battery, Blanket Addt’l Insureds, Boiler & Machinery, Business Income, Business Interruption, CGL, Commercial Excess, Crime, D&O, Equip Breakdown, Excess Liab, Fire, Food Spoilage, GL, Inland Marine, Liability, Liquor Liab, Medical Payments, Products Liab, Property, Spoilage, Theft, Umbrella Carrier Status Non-admitted States IA, IL, IN, MN, ND, OH, SD, WI
Ryan Specialty National Programs
Coverages Assault & Battery, Crime, Employee Benefits, GL, Hired & Non-owned Auto, Liquor Liability, Property Carrier Status Non-admitted States AZ, CA, DE, FL, GA, IL, MA, MD, MI, MN, MO, NC, NY, OH, PA, RI, SC, TN, TX
StateFund First, a division of Arthur J Gallagher & Co.
Insurance Brokers of CA Inc.
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States CA
Sun Coast General Insurance Agency
Coverages BOP, GL, Liquor Liab, Property Carrier Status Admitted, Non-admitted States CA
The McGowan Companies
Coverages Commercial Excess, Umbrella Carrier Status Admitted States All States
UCA General Insurance Services Inc.
Coverages Business Income, CGL, Cyber Liab, Equipment Breakdown, Fire Legal Liab, Hired & Non-owned Auto, Liquor Liab, Medical Payments, Property, Umbrella Carrier Non-admitted States AZ, CA, ID, NV, OR, UT, WA
Union General Insurance Services Inc.
Coverages Assault & Battery, Blanket Addt’l Insureds, Blanket Waivers, Business Income & Interruption, CGL, Commercial Excess, Completed Operations, Crime, Cyber, Equipment Breakdown, Fire, Food Spoilage, Liquor Liab, Medical, Property, Spoilage, Theft Carrier Status Admitted, Non-admitted States AR, AZ, CA, NM, NV, OK, OR, TX
Coverages Business Income, Business Interruption, CGL, Equipment, Liability, Liquor Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Insurance Solutions Coverages Auto Comm-Standard, BOP, Builders Risk, GL, Property, Workers’ Comp Carrier Status Admitted States AL, AZ, CA, CO, CT, DC, FL, GA, IL, KY, LA, MA, MD, NC, NJ, NM, NV, NY, PA, SC, TN, TX, VA, VT, WY
Coverages Cyber Liab, GL, Property, Umbrella Carrier Status Admitted, Non-admitted States All States
Element22 Insurance Services
Coverages Boiler & Machinery, Builders Risk, Business Income, Business Interruption, Catastrophe, Equipment Breakdown, Fire, Flood, Hurricane, Property, Weather, Wind Carrier Status Non-admitted States All States
Coverages Addt’l Living Expense, Builders Risk, Business Income, Business Interruption, Commercial Excess, Excess Flood, Flood, Personal Property Carrier Status Non-admitted States All States
Hinterland Insurance
Coverages CGL, Earthquake, GL, Property Carrier Status Non-admitted States All States except OK, TX
Meramec Secure Inc. / Personal Safeguards Group LLC
Coverages Product Extended Warranty, Service Contracts, Warranties, Extended Carrier Admitted States All States
Preferred Concepts LLC
Coverages CGL, Excess Liab, GL, Umbrella Carrier Status Admitted States All States except NY
SPG Wholesale
Coverages CGL, Fire, Fire Legal Liab, GL, Liability, Liquor Liab, Medical Payments, Products Liability, Property Carrier Status Non-admitted States All States
StateFund First, a division of Arthur J Gallagher & Co. Insurance Brokers of CA Inc.
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States CA
UCA General Insurance Services Inc.
Coverages Business Income, CGL, Cyber Liab, Equipment Breakdown, Fire Legal Liab, Hired & Non-owned Auto, Medical Payments, Property, Umbrella Carrier Non-admitted States AZ, CA, ID, NV, OR, UT, WA
RV Dealerships
MAXIMUM
Coverages Auto Comm-Nonstandard Phys Dmg, Boiler & Machinery, Builders Risk, Business Income, Business Interruption, Catastrophe, Excess Flood, Flood, GL, Hail, Hurricane, Inland Marine, Property, Theft, Umbrella Carrier Status Admitted, Non-admitted States All States Ryan Specialty National Programs
Coverages Business Income, Crime, Cyber Liab, Dealers Open Lot, E&O, EPLI, Equipment Breakdown, Garage Keepers Legal Liab, Garage Liability, GL, Hired & Non-owned Auto, Identity Theft, Physical Damage, Property, Umbrella Carrier Status Non-admitted States Most States
RV Parks
Philadelphia Insurance Companies
Coverages Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, Employee Benefits, Equipment Breakdown, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Inland Marine, Professional Liab, Property, Real & Business Personal Prop, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA
School Bus Operations
Philadelphia Insurance Companies
Coverages Abuse & Molestation, Auto Comm-Standard Liability & Physical Damage, CGL, Crime, Employee Benefits, Hired & Non-owned Auto, Inland Marine, Property, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except FL, LA, MI, NV, NY
Prime Insurance Company
Coverages Abuse & Molestation, Assault & Battery, Auto Comm-Nonstandard, Auto Comm-Nonstandard Phys Dmg, Commercial Excess, Difference in Conditions, GL, Hired & Non-owned Auto, Motor Truck Cargo, Personal Liab, Professional Liability, Property, Rented Property Carrier Status Non-admitted States All States
School Bus Insurance Solutions (SBIS)
Coverages
Schools-Public/Private
AllComp Solutions
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States
AMIS/Alliance Marketing & Insurance Services LLC
Coverages Auto Comm-Standard Liability & Physical Damage, BOP, Liability, Property, Workers’ Comp States All States
Apex
Coverages Abuse & Molestation, Auto Comm-Standard, Commercial Excess, Crime, Educator Legal Liab, GL, Inland Marine, Police Professional Liab, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except AK, DC, HI, WA
Care Providers Insurance Services
Coverages Abuse & Molestation, Auto Comm-Standard, Crime, D&O, EPLI, Excess Liab, GL, Inland Marine, Professional Liab, Property Carrier Status Admitted States All States
Great American Ins. Group, Specialty Human Services
Coverages Abuse & Molestation, Auto Comm-Nonstandard, Blanket Addt’l Insureds, Business Income, CGL, Commercial Excess, Community/Social Svcs, Crime, Educator Legal Liab, Employee Benefits, Equipment Breakdown, Excess Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Inland Marine, Misc Professional Liab, Professional Liability, Umbrella Carrier Status Admitted States All States except HI, LA, OK
Greene & Associates
Coverages Commercial Excess, Umbrella
Carrier Admitted, Non-admitted States All States except HI
Nonprofits Insurance Alliance
Coverages Abuse & Molestation, Auto Comm-Standard, Auto Comm-Standard Phys Dmg, Blanket Addt’l Insureds, Business Income, Business Interruption, CGL, Community/ Social Svcs, Crime, Developmental Disabilities, EPLI, Fiduciary Liab, Fire Legal Liab, Hired & Non-owned Auto, Inland Marine, Mechanical Breakdown, Misc Professional Liab, Nonprofit D&O, Sexual Misconduct, Umbrella, Uninsured Motorists Carrier Status Non-admitted States Most States
Philadelphia Insurance Companies
Coverages Abuse & Molestation, Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Boiler & Machinery, CGL, Crime, D&O, Earthquake, Educator Legal Liab, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, Flood, GL, Hired & Nonowned Auto, Identity Theft, Property, Real & Business Personal Prop, Sexual Misconduct, Student Accident, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA
Professional Governmental Underwriters
Coverages D&O, E&O, Educator Legal Liab, EPLI Carrier Status Admitted, Non-admitted States All States
Wright Specialty Insurance
Coverages Auto Comm-Standard Liability & Physical Damage, Business Income, CGL, Cyber Liab, EPLI, Equipment, Excess Liab, Fire, Inland Marine, Property, Sexual Misconduct, Workers’ Comp Carrier Status Admitted States Most States
Scrap Dealers
Amwins - 155+ Locations Worldwide Coverages Auto Comm-Standard, Environmental Liab, GL, Pollution, Pollution Liab, Umbrella Carrier Status
NE
2026 Annual Program Directory, Summer Edition
Security Guard Firms (continued)
NeitClem Wholesale Insurance Brokerage Inc.
Coverages Assault & Battery, Equipment, GL, Liability, Professional Liab Carrier Status Admitted, Non-admitted States AZ, CA, NV, TX
Philadelphia Insurance Companies
Coverages Abuse & Molestation, Assault & Battery, Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Boiler & Machinery, Business Income, Care/ Custody/Control, CGL, Crime, D&O, E&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Inland Marine, Legal Expense Ins, Personal Liability, Personal Property, Professional Liability, Property, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA River Valley Underwriters Inc.
Coverages Assault & Battery, Blanket Addt’l Insureds, Blanket Waivers, CGL, Commercial Excess, E&O, Excess Liab, Firearms Liability, GL, Professional Liab Carrier Status Non-admitted States Most States
Ryan Specialty National Programs
Coverages Excess Liab, GL, Professional Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
The Mechanic Group, Inc., a division of SPG Coverages CGL, Commercial Excess, Contractors License Bonds, D&O, E&O, Liability, Umbrella, Workers’ Comp Carrier Status Non-admitted States All States
Self-Storage
Facilities
Great American Insurance Group, Alternative Markets
Coverages Auto Comm-Standard, BOP, CGL, Inland Marine, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
MiniCo Insurance Agency, a Jencap Company
Coverages Boiler & Machinery, BOP, Business Income, CGL, COC, Crime, Cyber Liab, Earthquake, Employee Benefits, EPLI, Fire, GL, Hired & Non-owned Auto, Legal Liab, Liability, Medical Payments, Personal Liab, Pollution, Products Liab, Property, Theft, Umbrella, Wind, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
REInsurePro
Coverages CGL, Equipment Breakdown, Legal Liab, Property Carrier Status Non-admitted States All States
Ryan Specialty National Programs
Coverages Business Income, Cyber Liab, EPLI, Excess Liab, Flood, GL, Pollution Liab, Property Carrier Status Non-admitted States All States
Universal Insurance Programs
Coverages Pollution, Pollution Liab Carrier Status Non-admitted States All States
Ship Repairers/Marine Artisan Contractor
Integrated Specialty Coverages (ISC)
Coverages CGL, GL Carrier Status Non-admitted States All States
LIG Marine Managers
Coverages Care/Custody/Control, CGL, Commercial Marine, Completed Operations Liab, Equipment, Excess Liab, Hull, Legal Liab, Products Liab, Protection & Indemnity (P&I), Ship Repairers Legal, Tools & Equip, Umbrella, USL&H, Workers’ Comp Carrier Status Admitted States All States
Marine Underwriters of America
Coverages Excess Liab, GL, Hired & Non-owned Auto, Hull, Inland Marine, Protection & Indemnity (P&I), Real & Business Personal Prop, Ship Repairers Legal Carrier Status Admitted States All States
The American Equity Underwriters Inc.
Coverages MEL, USL&H, Workers’ Comp States All States
Hull & Company
Coverages Care/Custody/Control, Ship Repairers Legal Carrier Status Non-admitted States All States except DC
Integrated Specialty Coverages (ISC)
Coverages Cargo, Excess Liab, GL, Hull Carrier Status Non-admitted States All States
LIG Marine Managers
Coverages CGL, Completed Operations Liab, Equipment, Hail, Products Liab, Protection & Indemnity (P&I), Ship Repairers Legal, Umbrella, USL&H, Workers’ Comp Carrier Status Admitted States All States
The American Equity Underwriters Inc.
Coverages MEL, USL&H, Workers’ Comp States All States
Shooting Ranges
Joseph Chiarello & Co., Inc.; Firearms Business Ins.
Coverages CGL, Crime, Equipment Breakdown, Excess Liab, Firearms Liability, Liquor Liab, Medical Payments, Property, Umbrella Carrier Status Admitted States All States
Shopping Centers
Ascendant
Insurance Solutions
Coverages Auto Comm-Standard, BOP, Builders Risk, GL, Property, Workers’ Comp Carrier Status Admitted States Most States
Flood Risk Solutions Inc.
Coverages Addt’l Living Expense, Builders Risk, Business Income & Interruption, Commercial Excess, Excess Flood, Flood, Personal Property Carrier Non-admitted States All Hinterland Insurance
Coverages CGL, Earthquake, GL, Property Carrier Status Non-admitted States All States except OK, TX
Philadelphia Insurance Companies
Coverages Auto, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Earthquake, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, Flood, GL, Identity Theft, Inland Marine, Property, Real & Business Personal Prop, Umbrella, Uninsured Motorists Carrier Status Admitted, Non-admitted States All States except LA
Preferred Concepts LLC
Coverages CGL, Umbrella Carrier Status Admitted States All States
The McGowan Companies
Coverages Commercial Excess, Excess Liab, Umbrella Carrier Status Admitted States All States
UCA General Insurance Services Inc.
Coverages Business Income, CGL, Cyber Liab, Equipment Breakdown, Fire Legal Liab, Hired & Non-owned Auto, Medical Payments, Property, Umbrella Carrier Non-admitted States AZ, CA, ID, NV, OR, UT, WA
Shuttle Service-Non Emergency Medical
Prime Insurance Company
Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States All States
Shuttle Services
National Indemnity Company
Coverages Auto Comm-Nonstandard, Auto CommNonstandard Phys Dmg, Liability, Medical Payments, Uninsured Motorists Carrier Status Admitted, Non-admitted States All States except HI, MA, NJ, NY
Small to Mid-Sized Businesses
AMIS/Alliance Marketing & Insurance Services LLC
Coverages Auto Comm-Standard Liability & Physical Damage, BOP, Liability, Property, Workers’ Comp Carrier Status Admitted States All States
Applied Underwriters Inc.
Coverages Auto, Compliance Mgmt, Cyber Liab, D&O, Int’l Coverage - Commercial, Pollution, Property, Warranties, Extended, Weather, Workers’ Comp Carrier Status Admitted States All States
Cowbell Cyber
Coverages Breach of Security, Business Income, Business Interruption, Cyber Liab States Most States
Landy Insurance Agency
Coverages BOP, Crime, Cyber Liab, D&O, E&O, EPLI, Professional Liab, Workers’ Comp Carrier Status Admitted States All States
Pennsylvania Lumbermens Mutual Insurance Company
Coverages Auto Comm-Standard, CGL, Commercial Marine, EPLI, Equipment Breakdown, Inland Marine, Liability, Property, Umbrella Carrier Status Admitted States All States
ProWriters
Coverages BOP, E&O, GL Carrier Status Admitted States Most States
Roush Insurance Services Inc.
Coverages Addt’l Expense, Boiler & Machinery, Builders Risk, Business Income & Interruption, CGL, Commercial Excess, Crime, Cyber Liab, D&O, E&O, EPLI, Equipment Breakdown, Excess Liab, Fine Arts, Fire, Food Spoilage, GL, HNOA, Liability, Liquor Liab, Misc Professional Liab, Nonprofit D&O, Pollution Liab, Products Liab, Property, Real & Business Personal Prop, Technology E&O Carrier Status Non-admitted States IA, IL, IN, MN, ND, OH, SD, WI
Social Clubs
Distinguished Programs
Coverages Umbrella Carrier Status Admitted, Non-admitted States All States
Great American Ins. Group, Specialty Human Services
Coverages Abuse & Molestation, Auto Comm-Nonstandard, Blanket Addt’l Insureds, Business Income, CGL, Commercial Excess, Community/Social Svcs, Crime, Educator Legal Liab, Employee Benefits, Equipment Breakdown, Excess Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Inland Marine, Misc Professional Liab, Professional Liab, Umbrella Carrier Status Admitted States All States except HI, LA, OK
Venture Insurance Programs
Coverages Auto Comm-Standard, Crime, GL, Inland Marine, Liquor Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States
Social Service Agencies
AllComp Solutions
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States
Care Providers Insurance Services
Coverages Abuse & Molestation, Auto Comm-Standard, Business Interruption, Crime, D&O, Equipment Breakdown, GL, Hired & Non-owned Auto, Liability, Participant Accident, Professional Liab, Property, Theft, Umbrella Carrier Status Admitted States All States
Charity First Insurance Services Inc.
Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, Boiler & Machinery, Business Income, CGL, Crime, Cyber Liab, EPLI, Equipment Breakdown, Int’l Coverage - Commercial, Liquor Liab, Nonprofit D&O, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States
Gateway Specialty Insurance
Coverages Abuse & Molestation, EPLI, GL, Nonprofit D&O, Professional Liab, Property, Umbrella Carrier Admitted, Non-admitted States All States except AK, HI, LA
Great American Ins. Group, Specialty Human Services
Coverages Abuse & Molestation, Auto Comm-Nonstandard, Blanket Addt’l Insureds, Business Income, CGL, Commercial Excess, Community/Social Svcs, Crime, Educator Legal Liab, Employee Benefits, Equipment Breakdown, Excess Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Inland Marine, Misc Professional Liab, Umbrella Carrier Status Admitted States All States except HI, LA, OK
Irwin Siegel Agency (includes Youth Programs) Coverages Abuse & Molestation, Accident & Health, Addiction Treatment, Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Boiler & Machinery, BOP, Business Income, CGL, Community/Social Svcs, Crime, Cyber Liab, D&O, Developmental Disabilities, EPLI, Excess Liab, GL, Inland Marine, Managed Care, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States
MiniCo Insurance Agency, a Jencap Company Coverages Abuse & Molestation, Addiction Treatment, Auto Comm-Standard, Boiler & Machinery, Business Income, Business Interruption, CGL, Community/Social Svcs, D&O, E&O, EPLI, Fiduciary Liab, Fire Legal Liab, GL, Hired & Nonowned Auto, Inland Marine, Liability, Medical & Physical Rehab, Medical Malpractice, Medical Payments, Products Liab, Professional Liab, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except HI, LA
Nonprofits Insurance Alliance
Coverages Abuse & Molestation, Auto Comm-Standard, Auto Comm-Standard Phys Dmg, Business Income, Business Interruption, CGL, Crime, Developmental Disabilities, EPLI, Fiduciary Liab, Fire Legal Liab, Hired & Non-owned Auto, Inland Marine, Liquor Liab, Mechanical Breakdown, Misc Professional Liab, Nonprofit D&O, Umbrella, Uninsured Motorists Carrier Status Non-admitted States Most States
Philadelphia Insurance Companies
Coverages Abuse & Molestation, Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Employee Benefits, EPLI, Fiduciary Liab, Fire Legal Liab, Food Spoilage, GL, Hired & Non-owned Auto, Identity Theft, Inland Marine, Participant Accident, Professional Liab, Property, Real & Business Personal Prop, Sexual Misconduct, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA
RPS Programs
Coverages Abuse & Molestation, Auto Comm-Standard, CGL, Cyber Liab, Employee Benefits, EPLI, Excess Liab, Hired & Non-owned Auto, Nonprofit D&O, Professional Liab, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
2026 Annual Program Directory, Summer Edition
Software Developers
Access E&S Insurance Services
Coverages Excess Liability, Professional Liability Carrier Status Non-admitted States AR, DC, DE, GA, IL, MD, NC, NJ, NY, OH, PA, SC, TN, TX, VA
AMIS/Alliance Marketing & Insurance Services LLC
Coverages Auto Comm-Nonstandard Phys Dmg, Auto CommStandard, BOP, Liability, Property, Workers’ Comp Carrier Status Admitted States All States
Philadelphia Insurance Companies
Coverages Cyber Liab, D&O, EPLI, GL, Identity Theft, Legal Expense Ins, Professional Liab, Technology E&O, Umbrella Carrier Status Admitted States All States except LA
Special Events
Alive Risk
Coverages Accident & Health, CGL, Contingent Coverages, Event Cancellation, Excess Liab, Hired & Non-owned Auto, Inland Marine, Liquor Liab Carrier Status Admitted, Non-admitted States All States
Amwins - 155+ Locations Worldwide
Coverages Excess Liab, GL, Hired & Non-owned Auto, Liquor Liab, Umbrella Carrier Status Admitted, Non-admitted States All States
BriteCo Jewelry & Watch Insurance
Coverages GL, Medical Payments Carrier Status Admitted States All States
BUA LLC
Coverages CGL, Event Cancellation, Weather Carrier Status Non-admitted States All States
Gateway Specialty Insurance
Coverages GL, Liquor Liab Carrier Status Admitted, Non-admitted States Most States
InsuranceHelper.com
Coverages Abuse & Molestation, Blanket Addt’l Insureds, Blanket Waivers, CGL, Completed Operations Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Liability, Liquor Liab, Medical Payments, Participant Accident, Personal Liab, Products Liab, Sexual Misconduct, Trade Shows & Festivals Carrier Status Non-admitted States All States
Integrated Specialty Coverages (ISC)
Coverages Assault & Battery, Equipment Breakdown, GL, Liquor Liab, Property Carrier Status Non-admitted States All States
K&K Insurance Group Inc.
Coverages Auto Comm-Standard, Crime, D&O, Excess Liab, GL, Inland Marine, Property Carrier Status Admitted States All States
NeitClem Wholesale Insurance Brokerage Inc.
Coverages GL, Property Carrier Status Admitted, Non-admitted States AZ, CA, NV, TX
Number One Insurance Agency
Coverages GL, Liquor Liab Carrier Status Admitted States MA
Philadelphia Insurance Companies
Coverages Business Interruption, CGL, Fire Legal Liab, GL, Inland Marine, Liquor Liab, Participant Accident, Real & Business Personal Prop Carrier Status Admitted States All States except LA
Risk Placement Services Sacramento
Coverages Event Cancellation, Liquor Liab, Trade Shows & Festivals Carrier Status Admitted, Non-admitted States CA River Valley Underwriters Inc.
Coverages CGL, Event Cancellation, GL, Liability, Liquor Liab Carrier Status Admitted, Non-admitted States Most States
Union General Insurance Services Inc.
Coverages Blanket Addt’l Insureds, Blanket Waivers, Event Cancellation, GL, Liability, Liquor Liab, Medical Payments, Prize Indemnification, Tee-to-Green, Trade Shows & Festivals, Weather Carrier Status Admitted, Non-admitted States AR, AZ, CA, NM, NV, OK, OR, TX
Substance Abuse Program Administrators
Addiction Treatment Providers Insurance Program
Coverages Abuse & Molestation, Auto Comm-Standard, Business Income, Cyber Liab, GL, Hired & Non-owned Auto, Liability, Medical Malpractice, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except NY
Philadelphia Insurance Companies
Coverages CGL, Property Carrier Status Admitted States All States except LA
Surgery Centers
Apogee Insurance Group, a Berkshire Hathaway Company Coverages Crime, Cyber Liab, D&O, EPLI, GL, Media Liab, Pollution Liab, Professional Liab Carrier Status Admitted, Non-admitted States All States
Integrated Specialty Coverages (ISC)
Coverages Abuse & Molestation, Addt’l Expense, Employee Benefits, GL, Hired & Non-owned Auto, Medical Professional Carrier Status Non-admitted States All States
Tanning Salons
Insurtec Tanning and Spa Insurance
Coverages Addt’l Expense, BOP, Business Income, CGL, Crime, EPLI, Equipment Breakdown, Fire Legal Liab, Hired & Non-owned Auto, Professional Liab, Property, Tanning Liab Carrier Status Non-admitted States All States
Professional Program Ins. Brokerage, a Div of SPG Ins. Sol Coverages Abuse & Molestation, Blanket Addt’l Insureds, CGL, Commercial Excess, Cyber Liab, E&O, Equipment Breakdown, Excess Liab, GL, Inland Marine, Liability, Media Liab, Misc Professional Liab, Products Liab, Professional Liability, Property, Sexual Misconduct, Tanning Liability Carrier Status Non-admitted States All States
Universal Insurance Programs
Coverages Abuse & Molestation, Business Income, Business Interruption, CGL, Crime, E&O, Employee Benefits, EPLI, Equipment Breakdown, Excess Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Liability, Products Liab, Professional Liab, Property, Real & Business Personal Prop, Stop-Gap, Theft, Umbrella Carrier Status Admitted States All States
Tattoo Parlors/Permanent Makeup/Body Piercing
Professional Program Ins. Brokerage, a Div of SPG Ins. Sol Coverages Abuse & Molestation, Blanket Addt’l Insureds, CGL, Cyber Liab, Equipment Breakdown, Excess Liab, Inland Marine, Liability, Media Liab, Products Liab, Professional Liab, Property, Sexual Misconduct, Teachers Liab Carrier Status Non-admitted States All States
REInsurePro
Coverages Abuse & Molestation, Assault & Battery, Business Income, Business Interruption, CGL, Completed Operations Liab, Dwelling Fire, E&O, Equipment Breakdown, Liability, Professional Liab, Property, Real & Business Personal Prop, Workers’ Comp States All States
Tax Preparers & Bookkeepers
Association Member Benefits Advisors LLC
Coverages BOP, Cyber Liab, D&O, E&O, EPLI, Fidelity Bonds, Identity Theft, Nonprofit D&O, Professional Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Balance Partners - Maven
Coverages CGL, E&O, Excess Liab, Professional Liab Carrier Status Non-admitted States All States
Landy Insurance Agency
Coverages BOP, Crime, Cyber Liab, E&O, EPLI, Professional Liab, Workers’ Comp Carrier Status Admitted States All States except AK, LA
Norman-Spencer International Inc.
Coverages E&O, Professional Liab Carrier Status Admitted States All States
Professional Underwriters Agency (PUA)
Coverages E&O, Professional Liab Carrier Status Admitted, Non-admitted States All States
Quirk & Company
Coverages Cyber Liab, GL, Professional Liab, Property Carrier Status Non-admitted States AL, AR, AZ, LA, MO, ND, NM, OK, TN, TX, WA, WY
Taxi Service
Prime Insurance Company
Coverages Abuse & Molestation, Assault & Battery, Auto Comm-Nonstandard, Auto Comm-Nonstandard Phys Dmg, Commercial Excess, Difference in Conditions, GL, Hired & Non-owned Auto, Motor Truck Cargo, Personal Liab, Professional Liability, Property, Rented Property Carrier Status Non-admitted States All States
Temporary Medical Staffing
Ryan Specialty National Programs
Coverages Abuse & Molestation, Blanket Addt’l Insureds, Blanket Waivers, Care/Custody/Control, Crime, Employee Benefits, EPLI, Excess Liab, GL, Hired & Non-owned Auto, Professional Liab, Property, Stop-Gap, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Staffing Lines
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States
World Wide Specialty, a Div of Philadelphia Ins. Co’s Coverages Abusive Acts, Auto Comm-Standard, Blanket Addt’l Insureds, Blanket Waivers, Care/Custody/Control, Crime, Cyber Liab, D&O, E&O, Employee Benefits, EPLI, Fidelity, Fidelity Bonds, GL, Hired & Non-owned Auto, Misc Professional Liab, Professional Liab, Property, Technology E&O, Umbrella, Workers’ Comp Carrier Status Admitted States All States
Temporary Staffing Firms
Cooper & McCloskey Inc.
Coverages CGL, Crime, E&O, EPLI Carrier Status Admitted, Non-admitted States AK, AZ, CA, CO, GA, HI, IL, NV, NY, OR, TN, TX, UT, WA
Philadelphia Insurance Companies
Coverages Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Boiler & Machinery, Business Income, Care/Custody/Control, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Legal Expense Ins, Personal Property, Professional Liab, Protection & Indemnity (P&I), Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA
RPS Programs
Coverages Crime, Cyber Liab, EPLI, GL, Hired & Non-owned Auto, Personal Liab, Property, Umbrella, Workers’ Comp States All States
Ryan Specialty National Programs
Coverages Abuse & Molestation, Blanket Addt’l Insureds, Blanket Waivers, Care/Custody/Control, Crime, Employee Benefits, EPLI, Excess Liab, GL, Hired & Non-owned Auto, Professional Liab, Property, Stop-Gap, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Staffing Lines
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States
World Wide Specialty, a Div of Philadelphia Ins. Co’s Coverages Abusive Acts, Auto Comm-Standard, Blanket Addt’l Insureds, Blanket Waivers, Care/Custody/Control, Crime, Cyber Liab, D&O, E&O, Employee Benefits, EPLI, Fidelity, Fidelity Bonds, GL, Hired & Non-owned Auto, Misc Professional Liab, Professional Liab, Property, Technology E&O, Umbrella, Workers’ Comp Carrier Status Admitted States All States
Theatre Production Companies
Alive Risk
Coverages Accident & Health, Accidental Death, CGL, Contingent Coverages, Event Cancellation, Excess Liab, GL, Hired & Non-owned Auto, Inland Marine, Liquor Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Great American Ins. Group, Specialty Human Services
Coverages Abuse & Molestation, Auto Comm-Nonstandard, Blanket Addt’l Insureds, Business Income, CGL, Commercial Excess, Community/Social Svcs, Crime, Educator Legal Liab, Employee Benefits, Equipment Breakdown, Excess Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Inland Marine, Misc Professional Liability, Professional Liab, Umbrella Carrier Status Admitted States All States except HI, LA, OK
Title Agents
Johnson & Johnson
Coverages Crime, Cyber Liab, E&O, EPLI, Fidelity Bonds, Kidnap/Ransom, Professional Liab Carrier Status Non-admitted States All States
Landy Insurance Agency
Coverages BOP, Crime, Cyber Liab, D&O, E&O, EPLI, Professional Liab, Workers’ Comp Carrier Status Admitted States All States
Vanguard Specialty
Coverages E&O, Professional Liability
Carrier Status Non-admitted States All States
Wilkoff Bonds
Coverages Crime, Fidelity, Fidelity Bonds,
2026 Annual Program Directory, Summer Edition
Tow Truck Firms
AllComp Solutions
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States
Cox Specialty Markets
Coverages Commercial Auto - Standard & Nonstandard, Garage Keepers Legal Liab, GKLL, GL Carrier Admitted States AR, IL, IN, KY, OH, PA, TN, WV
KBK Insurance Group Inc.
Coverages Auto Comm-Standard Liability & Physical Damage, Garage Keepers Legal Liab, GL, On-Hook Cargo, Property, Umbrella Carrier Status Admitted States All States except AK, HI, MA, NY
Lancer Insurance Company
Coverages Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, On-Hook Cargo Carrier Status Admitted States CT, NJ, NY, PA
National Indemnity Company
Coverages Auto Comm-Nonstandard, Auto CommNonstandard Phys Dmg, Garage Keepers Legal Liab, Medical Payments, Motor Truck Cargo, Uninsured Motorists Carrier Status Admitted, Non-admitted States All States except HI, MA, NJ, NY
Omaha National
Coverages Workers’ Comp Carrier Status Admitted States Most States
Prime Insurance Company
Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Dealers Open Lot, Difference in Conditions, Garage Keepers Legal Liab, Garage Liability, GKLL, GL, On-Hook Cargo, Personal Liab, Professional Liab, Property, Rented Property, Wrongful Repo Carrier Status Non-admitted States All States
Star Mutual RRG
Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Hired & Non-owned Auto, Truck Auto Liab, Uninsured Motorists Carrier Status Non-admitted States Most States
Trade Show Exhibitors
InsuranceHelper.com
Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Completed Operations Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Liability, Liquor Liab, Medical Payments, Personal Liab, Products Liab, Trade Shows & Festivals Carrier Status Non-admitted States All States
Trap & Skeet Shooting Clubs
Joseph Chiarello & Co., Inc.; Firearms Business Ins.
Coverages Auto Comm-Standard, Boiler & Machinery, Business Income, CGL, Equipment Breakdown, Firearms Liability, Liquor Liab, Property Carrier Status Admitted States All States
Philadelphia Insurance Companies
Coverages Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Legal Expense Ins, Participant Accident, Personal Property, Professional Liab, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA
Travel Agents & Tour Operators
Integrated Specialty Coverages (ISC)
Coverages E&O, Professional Liab Carrier Status Non-admitted States All States
Mexico Insurance Online
Coverages Auto Pers-Nonstandard, Auto Pers-Standard, Boats, Emergency Towing & Service, Homeowners Pkg, Int’l
Coverage - Personal, Liability, Physical Damage, Watercraft Liab States All States
Professional Underwriters Agency (PUA)
Coverages E&O, Professional Liab Carrier Status Admitted, Non-admitted States All States
Truck Dealers - Franchised
Ryan Specialty National Programs
Coverages Dealers Open Lot, E&O, Garage Liability, GL, Physical Damage, Property Carrier Status Non-admitted States Most States
Target Managers Insurance Services
Coverages EPLI, Workers’ Comp Carrier Status Admitted
States AK, AL, AR, AZ,
Truckers/Trucking Firms
Applied Underwriters Inc.
Coverages Auto Comm-Standard Liability & Physical Damage, Workers’ Comp Carrier Status Admitted States All States
Freberg Environmental Inc.
Coverages Auto Comm-Nonstandard, Auto CommNonstandard Phys Dmg, CGL, GL, Hired & Non-owned Auto, Pollution, Pollution Liab, Transportation Pollution Liab, Uninsured Motorists Carrier Status Admitted States All States except AK, FL, MA, NJ, NY
Integrated Specialty Coverages (ISC)
Coverages Commercial Excess, Excess Liab
Carrier Status Admitted States All States except AK, HI
Interline Insurance Services
Coverages Auto Comm-Standard Phys Dmg, Cargo, Truck Auto Liab Carrier Status Admitted States AZ, CA, NV, OR, WA
International Transportation & Marine Agency Inc.
Coverages Cargo, GL, Physical Damage
Carrier Status Admitted, Non-admitted States All States
Lancer Insurance Company
Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg
Carrier Status Admitted States CT, NJ, NY, PA
Legacy Employer Concepts LLC
Coverages EPLI, WC - Master Policies/ASO, Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States
MacAfee & Edwards Inc. - MxRisk Insurance Services
Coverage - Personal Carrier Status Admitted, Non-admitted States All States
MAXIMUM
Coverages Auto Comm-Nonstandard, Auto CommNonstandard Phys Dmg, Cargo, Contractors Equip, Dealers Open Lot, GL, Hired & Non-owned Auto, Non-Trucking Liability, Physical Damage, Transportation Pollution Liab, Truck Auto Liab, Umbrella Carrier Status Non-admitted States All States
Midwestern Insurance Alliance LLC
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States except ND, OH, WA, WY
PEO Brokers Group
Coverages WC - Master Policies/ASO, Workers’ Comp, Workers’ Comp Plus (Alternative) States All States
River Valley Underwriters Inc.
Coverages Auto Comm-Nonstandard, Auto CommNonstandard Liability, Auto Comm-Nonstandard Phys Dmg, Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Care/Custody/Control, Cargo, Commercial Excess, Commercial Marine, Excess Auto, GL, Inland Marine, Long Haul, Motor Truck Cargo, Non-Trucking Liability, Physical Damage, Physical Damage Rental Units, Transportation Pollution Liab, Truck Auto Liab, Truck Broker, Uninsured Boaters, Uninsured Motorists, Uninsured Personal Injury Carrier Admitted, Non-admitted States Most States Shelly, Middlebrooks & O’Leary Inc.
Coverages Auto Comm-Nonstandard, Auto CommNonstandard Liability, Auto Comm-Nonstandard Phys Dmg, Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Business Income, Business Interruption, Care/Custody/Control, Cargo, CGL, Commercial Excess, Container Refrigeration Break, Contingent Coverages, Crime, Cyber Liab, D&O, E&O, EPLI, Excess Auto, Excess Liab, GL, Inland Marine, Long Haul, Motor Truck Cargo, Non-Trucking Liability, On-Hook Cargo, Physical Damage, Professional Liab, Transportation Pollution Liab, Truck Auto Liab, Truck Broker Carrier Admitted, Non-admitted States FL, GA, NC, SC, TX South & Western General Agency Inc.
Coverages Auto Comm-Standard Liability & Physical Damage, Cargo, GL, Long Haul Carrier Status Admitted, Non-admitted States AR, MS, OK, TN, TX
SPG Transportation - Moving and Storage
Coverages Cargo, CGL, Property, Truck Auto Liab
Carrier Status Admitted States All States
Star Mutual RRG
Coverages Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Hired & Non-owned Auto, Long Haul, Motor Truck Cargo, Truck Auto Liab, Uninsured Motorists Carrier Status Non-admitted States Most States
StateFund First, a division of Arthur J Gallagher & Co.
Insurance Brokers of CA Inc.
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative)
Carrier Status Admitted States CA
Union General Insurance Services Inc.
Coverages Blanket Addt’l Insureds, Cargo, CGL, GL, Long Haul, Truck Auto Liability, Uninsured Motorists
Carrier Status Admitted, Non-admitted States AR, AZ, CA, NM, NV, OK, OR, TX
Used Car Dealers
Amwins - 155+ Locations Worldwide
Coverages Crime, Cyber Liab, Dealers Open Lot, Garage Liability, Pollution, Property States All States except MA, NY
Cox Specialty Markets
Coverages Dealer and Transporter Plates, Dealers Open Lot, Garage Keepers Legal Liab, Garage Liability, GKLL
Carrier Admitted States AR, IL, IN, KY, OH, PA, TN, WV
DMI Insurance Services
Coverages Dealers Open Lot, E&O, Garage Keepers Legal Liab, Garage Liability, Physical Damage, Property, Uninsured Motorists Carrier Status Admitted States Most States
KBK Insurance Group Inc.
Coverages Dealers Open Lot, Garage Keepers Legal Liab, Garage Liability, On-Hook Cargo, Property, Umbrella Carrier Admitted States All States except AK, HI, MA, NY
Lancer Insurance Company
Coverages Dealer and Transporter Plates, Dealers Open Lot, Garage Liability, Physical Damage Carrier Status Admitted States NY
National Indemnity Company
Coverages Dealers Open Lot, Garage Keepers Legal Liab, Garage Liability, GKLL, Medical Payments, Uninsured Motorists Carrier Status Admitted, Non-admitted States All States except HI, MA, NJ, NY
River Valley Underwriters Inc.
Coverages Care/Custody/Control, Dealer and Transporter
Plates, Dealers Open Lot, Excess Auto, Garage Keepers Legal Liab, Garage Liability, GKLL, GL, Legal Liab, Physical Damage Carrier Status Admitted, Non-admitted States Most States
Walter General Agency (WGA)
Coverages Dealers Open Lot, Excess Liab, Garage Keepers Legal Liab, Garage Liability, GKLL, Medical Payments, Property, Umbrella, Uninsured Boaters, Uninsured Motorists Carrier Status Non-admitted States AR, IL, MO, OK
Wholesure
Coverages Dealers Open Lot, Fire Legal Liab, Garage Keepers Legal Liab, Garage Liability, GL, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except AK, CA, HI, NY, RI
Utilities-Natural Gas Companies
Amwins - 155+ Locations Worldwide
Coverages Auto Comm-Standard, Boiler & Machinery, GL, Inland Marine, Property, Public Officials, Railroad Protective Liab, Umbrella Carrier Status Admitted States All States
Valet Parking Companies
McLeckie Insurance Group
Coverages Garage Keepers Legal Liab, Legal Liab Carrier Status Non-admitted States All States
Shelly, Middlebrooks & O’Leary Inc.
Coverages Business Income, Business Interruption, Crime, EPLI, Excess Auto, Excess Liab, Garage Keepers Legal Liab, Garage Liability, GKLL, GL Carrier Status Non-admitted States FL, GA, TX
Vendor Management Services
Proctor Loan Protector
Coverages Blanket Forced Placed, E&O, Excess Flood, Flood, Force Place Fire Cvrg, Foreclosed Properties, High Valued Homes, Mobile Home Ins, Mortgage Impairment, Mortgage REO Cvrg, Rented Property, Residential Property Carrier Status Non-admitted States All States
World Wide Specialty, a Div of Philadelphia Ins. Co’s
Coverages Abusive Acts, Auto Comm-Standard, Blanket Addt’l Insureds, Blanket Waivers, Care/Custody/Control, Crime, Cyber Liab, D&O, E&O, Employee Benefits, EPLI, Fidelity, Fidelity Bonds, GL, Hired & Non-owned Auto, Misc Professional Liab, Professional Liab, Property, Technology E&O, Umbrella, Workers’ Comp Carrier Status Admitted States All States
Vineyards
Agricultural Insurance Mgmt Services
Coverages CGL, Products Liab, Property Carrier Status Admitted States Most States
XPT Specialty
Coverages CGL, Herbicide & Pesticide, High Valued Homes, Inland Marine, Personal Liab, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States except AK
Vitamin/Health
Food Suppliers
Great American Insurance Group, Alternative Markets
Coverages Auto Comm-Standard, BOP, CGL, Inland Marine, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
NeitClem Wholesale Insurance Brokerage Inc.
Coverages Completed Operations Liab, Foreign GL, GL, Liability, Product Extended Warranty, Products Liab Carrier Admitted, Non-admitted States AZ, CA, NV, TX
Warehouse Operators
Element22 Insurance Services
Coverages Business Income, Business Interruption, Excess Flood, Flood, Hail, Hurricane, Property, Weather, Wind Carrier Status Non-admitted States AL, FL, GA, LA, MS, NC, SC, TX, VA
Gorst & Compass Insurance
Coverages BOP, Business Income Carrier Status Non-admitted States CA
Waste Haulers
Amwins - 155+ Locations Worldwide
Coverages Auto Comm-Standard, Environmental Liab, GL, Pollution, Umbrella States All States except DC, HI, MD, NJ, VA
Coverages Auto Comm-Standard, GL, Pollution, Pollution Liab, Workers’ Comp Carrier Status Non-admitted States All States
Omaha National Coverages Workers’ Comp Carrier Status Admitted States Most States
SPG Environmental Coverages CGL, E&O, Environmental Liab, Pollution, Pollution Liab, Transportation Pollution Liab, Workers’ Comp States All States Star Mutual RRG Coverages Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Uninsured Motorists Carrier Status Non-admitted States Most States
Water Parks
Alive Risk
Coverages Accident & Health, CGL, Excess Liab, Hired & Nonowned Auto, Inland Marine, Liquor Liab, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Water Well Drilling Operation Co’s
Amwins - 155+ Locations Worldwide
Coverages Auto Comm-Standard, GL, Inland Marine, Property, Umbrella Carrier Status Admitted States All States except AR, CO, LA, OR, SC
Western Surplus Lines Agency Inc.
Coverages CGL, Control of Well, Inland Marine Carrier Status Non-admitted States LA, ND, NM, OK, TX Water/Wastewater Facilities
Apex
Coverages Auto Comm-Standard, Auto Comm-Standard Phys Dmg, Boiler & Machinery, CGL, Commercial Excess, Contractors Equip, Crime, EPLI, Equipment Breakdown, Inland Marine, Property, Public Officials, Workers’ Comp Carrier Status Admitted States All States
Freberg Environmental Inc.
Coverages CGL, Environmental Liab, Excess Liab, GL, Pollution, Pollution Liab, Transportation Pollution Liab Carrier Status Non-admitted States All States
Grundy Insurance
Coverages Auto Comm-Standard, CGL, Crime, D&O, E&O, EPLI, Equipment Breakdown, Excess Liab, Property, Public Officials Carrier Status Admitted States All States except DC, HI, LA
Coverages Auto Comm-Standard, CGL, EPLI, Property, Public Officials Carrier Status Admitted States All States except LA
SPG Environmental
Coverages CGL, E&O, Environmental Liab, Pollution, Pollution Liab, Transportation Pollution Liab, Workers’ Comp States All States
US Assure
Coverages Builders Risk, COC, Earthquake, Fire, Flood, Hail, Hurricane, Installation Floaters, Theft, Weather, Wind Carrier Status Admitted States All States
Weddings
InsuranceHelper.com
Coverages Abuse & Molestation, Blanket Addt’l Insureds, Blanket Waivers, CGL, Completed Operations Liab, Event Cancellation, Fire Legal Liab, GL, Hired & Non-owned Auto, Liability, Liquor Liability, Medical Payments, Personal Liab, Physical Damage Rental Units, Products Liability, Sexual Misconduct, Trade Shows & Festivals, Weather Carrier Status Non-admitted States All States
Integrated Specialty Coverages (ISC)
Coverages Equipment Breakdown, GL, Hired & Non-owned Auto, Liquor Liab, Property Carrier Status Non-admitted States All States
Markel Personal Lines
Coverages Event Cancellation, Liability, Property Carrier Status Admitted States All States
Philadelphia Insurance Companies
Coverages CGL, Property Carrier Status Admitted States All States except LA
Wildlife Control
Brownyard Group
Coverages Auto Comm-Standard, Blanket Addt’l Insureds, Blanket Waivers, Care/Custody/Control, CGL, Commercial Excess, Completed Operations Liab, Crime, E&O, Environmental Liab, Equipment Breakdown, Fidelity, Fidelity Bonds, Fire Legal Liab, GL, Herbicide & Pesticide, Inland Marine, Liability, Lost Key, Medical Payments, Pollution Liab, Products Liability, Professional Liability, Property Carrier Status Admitted States All States except LA
Wineries
Great American Insurance Group, Alternative Markets
Coverages Auto Comm-Standard, BOP, CGL, Inland Marine, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Wood Workers
Continental Underwriters
Coverages BOP, Builders Risk, Business Income, Business Interruption, Combo Personal & Commercial, Commercial Excess, Commercial Marine, Contractors Equip, Crime, Equipment Breakdown, Excess Liab, Flood, GL, Inland Marine, Int’l Coverage - Commercial, Int’l CoveragePersonal, Personal Liab, Property, Stop-Gap, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Midwestern Insurance Alliance LLC
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States except HI, ND, OH, WA, WY
Omaha National Coverages Workers’ Comp Carrier Status Admitted States Most States
Pennsylvania Lumbermens Mutual Insurance Company
Coverages Auto Comm-Standard, CGL, Commercial Marine, EPLI, Equipment Breakdown, Inland Marine, Liability, Property, Umbrella Carrier Status Admitted States All States
Yacht Clubs
Marine Underwriters of America
Coverages Boats, Excess Liab, GL, Hired & Non-owned Auto, Hull, Liquor Liab, Marina Operators Legal, Piers & Docks, Protection & Indemnity (P&I), Real & Business Personal Property, Ship Repairers Legal, Watercraft Liability Carrier Status Admitted States
Personal Lines
Yachts/Mega Yachts
Bass Underwriters
Coverages Hull, Protection & Indemnity (P&I)
Carrier Status Admitted, Non-admitted States Most States
Markel Personal Lines
Coverages Hull, Liability, Medical Payments, Pollution Liab, Uninsured Boaters, Watercraft Liab Carrier Status Admitted States All States
Sun Coast General Insurance Agency
Coverages Boats, Commercial Marine, Hull, Liability, Piers & Docks, Ship Repairers Legal, Uninsured Boaters, Watercraft Liab, Wet Marine Carrier Status Admitted, Non-admitted States AK, AZ, CA, FL, NV, OR, UT, WA
Carrier Status Admitted, Non-admitted States All States
Gateway Specialty Insurance
Coverages Abuse & Molestation, EPLI, GL, Nonprofit D&O, Professional Liab, Property, Umbrella Carrier Admitted, Non-admitted States All States except AK, HI, LA
InsuranceHelper.com
Coverages Abuse & Molestation, Blanket Addt’l Insureds, Blanket Waivers, CGL, Completed Operations Liab, GL, Hired & Non-owned Auto, Liability, Liquor Liab, Medical Payments, Participant Accident, Personal Liability, Products Liability, Sexual Misconduct, Trade Shows & Festivals Carrier Status Non-admitted States All States
Philadelphia Insurance Companies
Coverages Abuse & Molestation, Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Boiler & Machinery, CGL, D&O, Employee Benefits, EPLI, Fiduciary Liab, Fire Legal Liab, GL, Identity Theft, Inland Marine, Participant Accident, Property, Real & Business Personal Prop, Sexual Misconduct, Umbrella, Uninsured Motorists
Carrier Status Admitted States All States except LA
RPS Programs
Coverages Abuse & Molestation, Blanket Addt’l Insureds, Crime, D&O, EPLI, Equipment, Excess Liab, GL, Hired & Nonowned Auto, Property, Student Accident States All States
Sadler Insurance, Div. of Specialty Program Group (SPG) Coverages Abuse & Molestation, CGL, Crime, EPLI, Equipment, Excess Liab, Hired & Non-owned Auto, Nonprofit D&O, Participant Accident Carrier Status Admitted States All States
Sports & Wellness Insurance
Coverages Abuse & Molestation, Accident & Health, Crime, Cyber Liab, D&O, GL, Hired & Non-owned Auto, Inland Marine, Property, Umbrella Carrier Status Admitted, Non-admitted States All States
The McGowan Companies
Coverages Event Cancellation, Liability Carrier Status Admitted States All States
2026 Annual Program Directory, Summer Edition –
Access E&S Insurance Services
2001 N. Lincoln St., Arlington, VA 22207
Phone: (703) 248-2566, Fax: (703) 248-2565
Tim@Access-ES.com www.Access-ES.com
Addiction Treatment Providers Insurance Program
555 E. North Ln, Ste. 6060, Conshohocken, PA 19428
AIMS exist to equip retail insurance brokers with the resources they need to place farm risks effectively. By partnering with trusted carriers, we offer extensive coverage options that safeguard the homes, businesses, and operational assets that sustain American agriculture.
6200 K Ave., Ste. 190, Plano, TX 75074 Phone: (484) 531-8887 ecrawfordpeterson@novacore.com cpsinsure.com
Charity First Insurance Services, Inc. 595 Market St., Ste. 2100, San Francisco, CA 94105 Phone: (800) 352-2761 marketing@charityfirst.com www.charityfirst.com
CIS Insurance Services - The Cannabis Insurance Company
2580 E. Harmony Rd., Ste. 301, Fort Collins, CO 80528 Phone: (303) 495-3375 lisa@thecannabisinsurancecompany.com https://www.thecannabisinsurancecompany.com/
CAIS is an MGA and Program Administrator specializing in protecting Homeowners' Associations (HOAs), Townhomes, and both residential and commercial Condominiums (Condos) & Planned Unit Developments (PUDs). Our online program includes coverage for both non-payroll accounts and payroll accounts. Coverage for volunteers, board and committee members included.
Distinguished Programs is a leading national MGA and program manager for specialty property and casualty insurance. The company places insurance in niche sectors such as commercial real estate, hotels and restaurants, community associations, environmental and construction professional, marine cargo, cyber, surety, executive lines, inland marine and fine arts and collectibles.
DMI Insurance Services
9020 N Capital of Texas Hwy Ste I-270
Austin, TX 78759
Phone: (408) 465-2302
nmaske@dmi-insurance.com www.dmi-insurance.com
Element22 Insurance Services
3000 Gulf to Bay Blvd., Ste. 600, Clearwater, FL 33759
ISC has exclusive programs for Construction, Trucking, Property, Hospitality, Entertainment, Excess, and more. ISC provides our broker partners best-in-class service, competitive commission, and creative product delivery options to help expand your footprint in any desired line or class of business.
Irwin Siegel Agency (ISA) is the premier program administrator. Our trusted advisors partner with brokers to provide property and casualty insurance, risk management, and claims services to Human and Social Service Providers. Our exceptional programs written with A+ rated carriers offer some of the broadest coverages available.
JC Wilson Consulting, Inc.
9390 W. Maiden Ct, Vero Beach, FL 32963 Phone: (312) 543-9451, Fax: (312) 543-9451 jwilson.frs@gmail.com
Leading national program manager for Real Estate Agents & Brokers, Appraisers and Accountants Professional Liability insurance. Cyber, Crime, D&O, EPLI, MPL and LPL placements. Business Owners, WC and Bonds. Providing exceptional service & experience for over 75 years experience.
Legacy Employer Concepts, LLC
7901 4th St. N, Ste. 300, St. Petersburg, FL 33702
Place your nonprofit clients with an insurer who understands nonprofit risks, provides fair and equitable pricing, and has a vested interest in helping you achieve your goals. NIA offers you ease of doing business, competitive commissions, and a 93% renewal rate.
Norman-Spencer Agency, LLC
8075 Washington Village Dr., Dayton, OH 45458
Phone: (800) 543-3248, Fax: (937) 432-1635
info@norman-spencer.com www.norman-spencer.com
2026 Annual Program Directory, Summer Edition – Alphabetical Directory of Markets
At the intersection of insurance and innovation, Novacore delivers tech-powered specialty coverage built for tomorrow. With 15+ programs, 20K+ agents, $1.3B premium and 35 years of expertise, we help agents quote faster, work smarter and grow stronger.
Omaha National is a premier provider of workers compensation insurance offering coverage for labor intensive risks with competitive rates and commissions. Coverage offered through Omaha National Insurance Company, Omana National Casualty Company, Palomar Specialty Insurance Company, and/or Preferred Professional Insurance Company.
Philadelphia Insurance Companies, a Member of the Tokio Marine Group, designs, markets, and underwrites commercial property/casualty and professional liability insurance products incorporating value added coverages and services for select industries.
A leading provider of lender-placed insurance for over 45 years, Proctor Loan Protector provides smart insurance solutions coupled with compliant, technology-driven hazard tracking tools for mortgage servicers, subservicers, banks, credit unions, distressed asset investors, and other financial institutions. Proctor’s programs mitigate risk and enhance the borrower experience.
REInsurePro is a Program Manager offering licensed agents access to a property and liability Insurance Program for non-owner occupied, renovation and vacant investment properties, with customized coverage options for each unique real estate investor client. REInsurePro also offers GCG
2026 Annual Program Directory, Summer Edition – Alphabetical Directory of Markets
We have functioned as a program manager providing contractor insurance products to retail brokers and wholesalers since 2004. Easily register as a producer today on our website for full program access. Specializing in General Liability, Excess Liability, Inland Marine, Work Comp & CPPL.
South & Western General Agency, Inc.
5801 Tennyson Pkwy. Building III, Ste 600 Plano, TX 75024
Phone: (818) 249-0100, Fax: (818) 249-1166 clara.cocco@specialtyprogramgroup.com https://www.specialtyprogramgroup.com/wholesale/ For more info, check out our ad on page 3 (West).
Sports & Wellness Insurance
555 E. North Ln, Ste. 6060, Conshohocken, PA 19428
Commercial auto liability for truckers, auto haulers, tow operators, waste haulers, refrigerated goods, hotshot, dump trucks, contractors, couriers, delivery fleets, and more. APD and MTC are also available. STAR Mutual RRG, 40 states.
McGowan Program Administrators (MPA) is America’s leading writer of innovative insurance programs. MPA is a Managing General Underwriter and Program Manager. MPA designs, administers and markets highly-specialized programs of insurance. These programs are available exclusively through MPA.
The Mechanic Group, Inc., A Division of Specialty Programs Group, LLC
One Blue Hill Plaza, Ste. 530, Pearl River, NY 10965 Phone: (845) 735-0700, Fax: (845) 735-8383 mkatz@mechanicgroup.com www.mechanicgroup.com
UCA General Insurance Services Inc. 6363 Katella Ave., Cypress, CA 90630
The industry has just come through the hardest market in 40 years. Premiums have increased fast, growing by almost 40% in the last five years. Carrier profits have been at record highs now for three consecutive years ($398.3 billion in net income). And yet, some companies are so incompetently managed, they have effectively gone backward and have not made any money.
By Chris Burand
At the agency and insurance distribution level, ask yourself this question: How is a carrier that cannot grow in the most rate inflationary environment in two generations going to help me grow? They clearly do not have some combination of executive abilities, surplus, products, price competitiveness, or talent.
From a carrier perspective, it’s a great time to start poaching key people and accounts, because these losing carriers cannot compete. Many are on a downward spiral.
Here are the facts (all based on net written premium using AM Best data; I have focused on the top 90 carriers by NWP because they write 90% of all premiums):
• 4% of the top 90 carriers had negative growth for two consecutive years ending in 2024. With the hardest market and fastest industry growth in two generations, how they managed to shrink is beyond me.
• 13% had negative growth in 2024, and 16% went backward in 2023.
• The greatest volatility is with carriers ranked 31-50 in market share. The carriers in these two deciles grow and shrink faster and move in and out of them far more often. In other words, the carriers ranked 31-50 are not the same year after year.
• The average NWP of the carriers ranked lower than 200 is only $36 million. That means the largest agents and brokers, as judged by market share, are multiple times larger than carriers, completely
shifting the power dynamics. Some of these small carriers are controlled by brokers or even owned by brokers. Does anyone have reason to wonder who gets the best business?
Small Carriers
Small carriers cannot afford losses. Small carriers, captives, risk retention groups (RRGs), and self-insured groups (SIGs) had better be writing the cream. If they are writing the cream, then cumulatively, this is creating adverse selection for the carriers who cannot get their acts together, and considerable evidence exists that many carriers are being saddled with adverse selection.
‘At the agency and insurance distribution level, ask yourself this question: How is a carrier that cannot grow in the most rate inflationary environment in two generations going to help me grow?’
Small carriers, if not controlled by insureds or brokers, may also be unable to afford the same level of technology, personnel, and reinsurance, and they must avoid being targeted with adverse selection. This is evident when comparing the results between mutual carriers and stock carriers. The stock carriers have far outperformed the mutual carriers in premium growth, surplus growth, and especially profit margins. However, this is not exclusive to small mutuals as described below.
A plethora of small carriers also means a lack of regulatory control. In many areas, these small companies need more regulatory oversight, and DOIs are not adequately staffed to provide it. These small companies cannot afford internal controls unless they achieve far better loss ratios, and if they do, the traditional shrinking companies will be saddled with more and
more adverse selection.
These factors are why, even in the hardest of markets, traditional admitted commercial lines did not grow when adjusted for rates. Actually, it shrank. Again, this shows that many admitted carriers are in a downward spiral.
Mutuals
Being small is not the entire story. Some larger mutuals have some of the worst results. There are several notable, very large carriers that have not materially grown in 10 years. If adjusted for inflation, they are approximately 50% smaller than they were 10 years ago, and they are almost never profitable.
Looking into the future, a solid prediction is fairly obvious. Quality carriers with highly competent boards of directors and C-suites, which are more likely to be stock carriers with scale, are far more likely to provide the products, rates, underwriting, and overall competitiveness agencies need. There are a few mutuals, though, that have better C-suites with real directors on their boards who can compete. The others likely will increase the speed of their downward spirals or be sold.
Not All Stock Carriers Win
This is not to say all stock carriers are winners because that is far from the case. What I mentioned previously about admitted commercial carriers going backward if adjusted for rate inflation means that admitted commercial markets, as a whole, have lost their way. They do not offer the required combination of surplus to support growth, rates, underwriting, and definitely product, relative to what surplus lines can provide. Furthermore, fast-growing alternative markets—such as captives, RRGs, SIGs, and association programs—must have a mandate to write only highly profitable accounts in order to survive, much less succeed. This means that, by default, the rest of the market is being adversely selected against.
An indication of the need to improve executive ability is often indicated by the
phrase, “There’s no way they [another carrier] can make money at that rate because we certainly can’t.” In some cases, that is true. I believe there is one notable mutual writing at actuarially unsupportable rates currently, especially if property was being written to a true 100% replacement cost. However, quite often, the executive assumes the competitor is writing the same accounts at the same expense ratio, which is not the case. They often have a materially lower expense ratio and/or they are writing better accounts, both resulting in lower rates. Any executive tempted to
exclaim the competitor cannot write at such low rates should think twice about whether they know enough about that competitor’s expense structure and the quality of accounts being written.
Moving to Better Carriers
It is safe, though, to conclude the carriers going backward are not writing the best accounts. Agents are moving those to better carriers, which is creating a very slow, at first, downward spiral. Eventually, unless the spiral is stopped early, this will lead to the “Loss of the Certainty Effect,” as described in a paper by two Chubb
economists 30 years ago.
As a distributor, you do not want to chain your future to such companies. Get out while you can do it constructively, and don’t believe whatever your carrier reps or executives tell you. The numbers tell a far more accurate story.
Hitch a ride on the carriers that will enhance your growth and profits. And as a side benefit, you’ll discover you don’t really need 50 or 500 carriers.
Burand is the founder and owner of Burand & Associates LLC based in Pueblo, Colo. Phone: 719-4853868. E-mail: chris@burand-associates.com.
Idea Exchange: Is It Covered?
Wouldn’t we want to have access to the same coverage for ourselves and our loved ones as we do for total strangers under our own liability coverage? That’s the role of UM/UIM coverage.
According to numerous sources, probably at least 50% to 60% of renters carry no renter’s insurance. The most common reason cited is that renters believe the landlord would be legally responsible for damage to their property, as if the landlord could be legally liable for a tornado or hurricane. In fact, it’s possible that the lease contractually absolves the landlord of such responsibility even if otherwise legally liable for damage to a tenant’s property. But then consumers are probably no more likely to read a lease agreement than they are their insurance policies.
The 50% to 60% number, as high as it is, has declined in the last 10-15 years because an increasing number of landlords, especially apartment complexes, now require renter’s insurance as a condition of occupancy.
These requirements, though, are more focused on liability coverage than any real concern that a tenant’s property is protected. But, even so, it’s the rare renter’s insurance requirement that establishes any minimum coverage or limit standards. In my October 21, 2024 column, I wrote about my son’s first apartment and how the management firm had a relationship with an entity that could provide inexpensive renter’s insurance. The policy being sold was junk, and I ended up guiding him to a responsible agency for coverage (including an umbrella policy).
For example, in January, policyholder attorney Chip Merlin blogged about a court case, Steadfast Investments & Properties v. AmGuard Ins. Co., involving a commercial building that was destroyed by fire. The building was insured by a tenant, presumably under a triple net lease.
‘[W]e
can’t rely on others to protect our personal property from damage or to protect
ourselves from liability claims and lawsuits.’
I wrote about the insurance pitfalls of triple net leases in my April 7, 2025 column with regard to the tenant, not the landlord, insuring a building. My advice in that column is that it is almost always preferable that the lessor procure its own coverage on a building and not rely on the lessee to do so. I encourage you to read that earlier column online for important details. In the Steadfast case, the owner was listed on the policy procured by the tenant as a loss payee and possibly thought that took care of some of the issues I outlined in my earlier column.
The moral here again is that we can’t rely on others to protect our personal property from damage or to protect ourselves from liability claims and lawsuits. The same is true in commercial lines when it comes to leasing premises where the lessee has property of its own to protect, not to mention property of the landlord that the tenant may be responsible for. But things can get more complicated in commercial lines.
The problem with loss payee status is that it doesn’t grant much in the way of insurance contract rights other than being entitled to whatever payment is forthcoming for covered losses. The key is covered losses. Without substantial due diligence, what’s to keep the lessee from procuring inferior coverage—for example, named instead of open perils? Or, as in the Steadfast case, actual cash value rather than replacement cost coverage which, according to the court, amounted to about a $647,000 shortfall?
The only named insured on the policy in that case was the tenant. As the court pointed out, as a loss payee, the building owner had no contractual right to participate in the adjustment of the claim or dispute the amount of the loss. Even if the owner had been included as a named
insured, depending on the policy language, many rights under the policy could be restricted to the first named insured.
And, as I explained in my earlier triple net lease column, even if the building owner was a named insured, if a loss involved, for example, fraud on the part of a tenant, no insureds may have coverage if the policy is voided by such fraud or the loss is otherwise excluded.
In other past columns, I’ve written about the deficiencies in being named as an additional insured on CGL policies on a primary and noncontributory basis. Whether property or liability insurance, why would you want to rely exclusively or even primarily on coverage procured by another party? Protect yourself.
Wilson, CPCU, ARM, AIM, AAM, is the founder and CEO of InsuranceCommentary.com and the author of six books, including “When Words Collide…Resolving Insurance Coverage and Claims Disputes,” which BookAuthority ranks as the #1 insurance book of all time. He can be reached at Bill@InsuranceCommentary.com.
When one independent insurance agency acquires another, they should be able to model the results with realistic accuracy. However, a year after the close of the sale, the actual financial results often do not mirror the projections. Why? Because the focus was on the front-end of the deal—for example, the multiple that was paid. Yet, the post-close economics were not thoroughly considered and modeled to reality.
In agency acquisitions, the focus on the purchase price can lead to tunnel vision. But the four pillars of the deal—amortization, interest expense, tax allocation, and owner distributions—ultimately determine whether a transaction succeeds or strains the borrower’s cash flow. Building those considerations in the financial modeling should be
reckoned with in acquisition modeling. By examining the post-close economics from a lender’s perspective, better modeling can provide a more realistic economic view.
Siren Call of Using Multiples
Relying on agency valuation metrics can lead to a misalignment between projected and actual results. But turning the viewpoint around from a lender’s perspective will lead to a better understanding of the post-sale cash flow.
For example, when modeling the purchase, the borrowing agency generally starts by forecasting the amortization and interest expense. Often tax allocation and owner distributions are not accurately projected in the acquisition pro-forma. Although tax allocation is a non-cash item, it still impacts reported earnings, which can cause a problem with loan covenants.
It can be a particular area of tension in negotiating the deal parameters as buyers would like to have as much of the purchase be treated as an asset purchase as possible because the stepped-up basis provides
larger amortization deductions. Conversely, the owners selling the agency want to allocate as much of the transaction as they can to a stock sale so they can realize capital gains treatment of their ownership.
Similarly, underestimating owner distributions has a very real impact on cash flows. The prior owners often understate the amount that they withdraw from the agency as compensation and fringe benefits such as a car lease and country club dues. To avoid any eventual misunderstanding and negative feelings in developing the sale terms, attention needs to be paid to capturing total draws by the prior owners.
Missing Assumptions
Banks that provide financing for agency acquisitions apply a “Debt Service Coverage Ratio” that targets a post-expense, after distributions ratio. Typically, banks look for the cash flow after distributions to cover annual loan expense greater than 1.0 up to 1.25 times. But the distribution needed may not be as large as expected when modeling for amortization and interest expense, which reduces the overall profitability and, in turn, the size of the distribution owners may need to cover the tax liability. The purchasing agency should avoid assuming that 100% of the income as broker of record will roll over because competitors may use the sale to target key accounts of the seller.
Further, due diligence should be performed to confirm that the carriers the seller
is appointed with will agree to appoint the buyer’s agency. There could be factors such as if the acquiring agency’s location is in a different geographic area, or certain market factors with the carriers that prevent the seller’s appointment from transitioning. In addition, unforeseen costs related to harmonizing agency management systems, retaining key staff, and possibly higher benefit costs than the seller provided can result in higher expenses, which impacts profitability, especially in the first 12 months. So, it’s important to have a thorough understanding of the proforma analysis and a good industry consultant can help with this.
Avoid Buyer’s Remorse
If sellers use comparative data to optimize the purchase price, the buyers may believe their purchase offer reflects prevailing M&A deals. However, if the modeling does not adequately forecast the impact of amortization, interest expense, tax allocations, and owner distributions within the specific context of the selling agency, they may find themselves stressed from a cash flow perspective and satisfying their loan covenants. Potential buyers should keep top of mind that accurate modeling will not kill a good deal. Rather, it prevents a potential buyer from entering into a bad one.
Freiday is senior vice president and division director of InsurBanc, a division of Connecticut Community Bank, N.A. Email: sfreiday@insurbanc.com.
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