A New Breed of Insurance Brokerage. At ALKEME, growth isn’t a slogan—it’s a shared mindset. We’ve built a culture rooted in connection, collaboration, and innovation where industry leaders can expand their impact while staying true to what made them successful. Here, you don’t just join a company—you become part of a collective designed for those who want to keep building.
GROW WIT H U S
When the right people come together with the freedom to innovate, growth follows—for our partners, our clients, and each other.
Curtis Barton, CEO
July 27, 2026 • Vol. 104 No. 11
Contents News & Markets
Special Report
Idea Exchange
8
22
58
Spotlight: Cedents Find Competitive Market Conditions at Midyear Reinsurance Renewals: Brokers
Clyde & Co Survey Shows Rapid Escalation of AI, Geopolitical Risks
10
24
US P/C Industry Books Best Result in a Decade, but Not All Lines Enjoy Success
Spotlight: 20 Years After Hurricane Katrina: Is the Industry Ready for a Different $100B Disaster?
12
Changes in Policy Language, Provisions Suppressing Claim Volume, Report Shows
28
Special Report: Two for One: When Physics and Finance Intersect
18
32
Older, Wealthier Renters Drive Changes in Insurance Needs
Specialty Markets Directory, Summer Edition
19
4 | INSURANCE JOURNAL | JULY 27, 2026
60
Emerging Risks to Watch: Quantum Computing, Data Center Buildout, and Peptides
62
When E&O and D&O Lines Start to Blur
64
Ask the Insurance Recruiter: Balancing Technology and Human Touch in the Hiring Process
66
Closing Quote: Agency Guide for a Practical Approach to AI Rollouts
US Cyber Insurance Market Sees Flat Premium, More Third-Party Claims Hit Loss Ratio
Departments 6 Opening Note
The Competitive Advantage: Money Costs Money
14 Figures
15 Declarations
16 Business Moves
20 People
27 My New Markets
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Opening Note Write the Editor: awells@insurancejournal.com
Chairman of the Board Mark Wells | mwells@wellsmedia.com Chief Executive Officer Joshua Carlson | 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
Small Business
EDITORIAL
N
ew small business owners are more likely to have proper business insurance than those that have been operating longer. Even so, a majority of small businesses remain underinsured. That’s according to a new survey by ERGO NEXT which found that 82% of new businesses with less than one year in operation have insurance, while only 67% of businesses with one to five years in operation have insurance. Perhaps a more important statistic for agents and brokers to consider is that 73% of small businesses could be underinsured for the actual risks they face today. The study found that a quarter of the small businesses surveyed didn’t have insurance at all, with about 14% reporting that they aren’t sure what their policy covers in the first place. What is “underinsured”? According to ERGO NEXT, a business is considered underinsured when its coverage doesn’t protect against the most significant risks it faces. The economy plays a critical role in selection, the survey found. A majority (84%) of survey respondents said they have been forced to prioritize other expenses over insurance during the past six months with economic uncertainty looming and the pressures that come with keeping their businesses profitable. When coverage isn’t required and resources are limited, many entrepreneurs feel forced to cut back on insuring important risks. There were three factors driving underinsurance among small businesses, the ERGO NEXT report said: • Compliance requirements • Cost pressures • Uncertainty about coverage needs.
When coverage isn’t required and resources are limited, many entrepreneurs feel forced to cut back on insuring important risks.
“Entrepreneurs unsure of what insurance they truly need may default to buying the minimums required by law,” the report said. “More than a third of small business owners (37%) say maintaining steady cash flow is a top source of stress.” Nearly half (46%) of survey respondents revealed that the cost to insure all their risks is why they may not have enough coverage. Nearly a third (32%) said they may have gaps in coverage in areas where the additional coverage isn’t legally required, while 32% noted that insurance coverage is too confusing to understand where their coverage gaps exist so they cannot fix them. “Businesses evolve constantly, but insurance coverage doesn’t automatically keep pace,” said Phil Natoli, vice president and chief actuary at ERGO NEXT. “As companies add employees, adopt new technologies, or expand into new markets, their risk exposure changes.” He advises agents to make sure to review coverages on a regular basis.
Andrea Wells V.P. of Content 6 | INSURANCE JOURNAL | JULY 27, 2026
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 Assistant Editors Jahna Jacobson | jjacobson@insurancejournal.com Kimberly Tallon | ktallon@carriermanagement.com Columnists & Contributors Contributors: Daniel Bannister, Jessica Boyd, Lauren Engnell, Ashley Kelley, Karli Moore, Lee Shavel Columnists: Chris Burand, Mary Newgard
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 Midwest Sales Lisa Whalen | (800) 897-9965 x180 East Sales (NY, PA and CT only) Dave Molchan | (800) 897-9965 x145 Advertising Coordinator Erin Burns | eburns@insurancejournal.com Insurance Markets Manager Kristine Honey | khoney@insurancejournal.com Sr. Sales & Marketing Coordinator Laura Roy | lroy@insurancejournal.com Marketing Director Derence Walk | dwalk@insurancejournal.com
DESIGN / WEB / VIDEO
Graphic Designer Chris Johnson Web Team Lead Josh Whitlow | jwhitlow@insurancejournal.com Ad Ops Specialist Jeff Cardrant | jcardrant@insurancejournal.com Web Developer Terrance Woest | twoest@wellsmedia.com Web Developer Jason Chipp | jchipp@wellsmedia.com V.P. of New Media Ashley Cochrane | acochrane@insurancejournal.com Senior New Media Strategist Ashley Waldrop | awaldrop@insurancejournal.com
ACADEMY OF INSURANCE
Director Patrick Wraight | pwraight@ijacademy.com Online Training Coordinator George Jack | gjack@ijacademy.com
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S P E C I A LT Y T R A D E CO N T R AC T O R S I G E N E R A L CO N T R AC T O R S I M A N U FAC T U R I N G I R E A L E STAT E Philadelphia Insurance Companies is the marketing name for the property and casualty insurance operations of Philadelphia Consolidated Holding Corp., a member of Tokio Marine Group. All admitted coverages are written by Philadelphia Indemnity Insurance Company. Coverages are subject to actual policy language.
News & Markets Clyde & Co Survey Shows Rapid Escalation of AI, Geopolitical Risks By Chad Hemenway
T
echnology is moving extremely fast, and a recent Clyde & Co survey of global business leaders has found that associated risks are weighing heavily. According to the law firm’s latest Corporate Risk Radar, 86% of leaders— CEOs, CFOs, COOs, general counsel, and board members—rate technological risk as “high impact.” This is up from 46% just last year, marking the largest year-on-year increase of any category in the research. “All businesses are trying to adapt to artificial intelligence (AI) as quickly as they can, but the speed at which it changes makes that a big challenge,” said Tim Crockford, partner at Clyde & Co, in a statement. “When you ask whether organizations have a mature AI governance framework in place, some will say yes today, but that will be out of date by tomorrow. “That’s why the governance framework that comes with AI needs to keep up with the evolution of the technology, and organizations need to understand when it’s being used, how it’s being used, and have steps in place to prevent misuse.”
8 | INSURANCE JOURNAL | JULY 27, 2026
Operationally, 68% of leaders said transformational delivery is a high risk, and 57% said there is pressure to prove a return on tech investments.
‘When you ask whether organizations have a mature AI governance framework in place, some will say yes today, but that will be out of date by tomorrow.’ AI is more than an information technology risk since the reliance on third-party providers increases as AI is integrated into businesses, creating additional exposure points and potential for cascading failures. Of the 700 senior decision-makers from 11 industries surveyed across the world, 72% cited technology implementation and systems integrations as one of the greatest operational challenges. A little more than half of respondents said that technology adoption, including AI, will pose a significant risk to organizations in the next year. Results of the survey indicated there
is another risk that has moved to topof-mind. Geopolitical risks are front and center, with 72% of respondents this year saying it is having a direct commercial impact, versus about 50% saying the same in 2025. As one general counsel said in the survey, geopolitical issues were once “monitored in the background,” but today it is “directly shaping investor sentiment, buyer behavior, and confidence.” Geopolitical risk is affecting everything from the technology supply chain to regulatory compliance. Leaders said the most significant geopolitical factors are conflict escalation and instability (60%) and trade restrictions and sanctions (57%). Four in five organizations said geopolitical shifts are affecting where and how they operate. “We are living in a world where you can wake up in the morning and face a complete shift in the geopolitical situation,” said Claude & Co partner Jan Spittka. “Organizations need to reduce their dependency on providers and suppliers in any one region. But above all, it is important first to accept this reality, and then to try to become more agile in dealing with it.”
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News & Markets
US P/C Industry Books Best Result in a Decade, but Not All Lines Enjoy Success By Chad Hemenway
T
he U.S. property/casualty industry posted its best underwriting profit and combined ratio in a decade in 2025, building upon the $1 trillion of total direct premiums written logged the prior year for the first time. According to a new report from industry financial strength rating agency AM Best, DPW grew 5% in 2025 to about $1.11 trillion. Overall, the industry’s combined ratio finished at 93 in 2025—an improvement of 3.6 points over 2024. After several years of booking underwriting losses, U.S. P/C insurers recorded underwriting income of about $23 billion in 2024 and then increased it another $38 billion to a total of $61.2 billion in 2025 on the strength of personal lines. “Insurers underwriting both personal auto and homeowners lines of coverage have reaped the benefits of technology and data analytics to supplement underwriting, claims handling, and ratemaking,” said David Blades, associate director, AM Best. “For both lines, there was significant rate momentum coming into 2024 that flowed through net earned premium in both that year and 2025, aiding bottom-line results.” Net underwriting income in homeowners multiperil and private passenger auto in 2025 was about $16.8 billion and $28.9 10 | INSURANCE JOURNAL | JULY 27, 2026
billion, respectively. In 2024, homeowners insurers reported an underwriting loss of about $1.5 billion after booking a loss of nearly $16 billion in 2024. Net losses incurred dropped 7.1% despite the losses absorbed from the early 2025 California wildfires.
New exposures may be on the horizon with the rapid growth of artificial intelligence and new class-action litigation in the drug, food, and chemical industries. Meanwhile, personal auto insurers in 2025 more than doubled underwriting income from the $13.8 billion recorded in 2024. “Regulators have let carriers accelerate the frequency and degree of rate change filings while remaining diligent in reviewing rate adjustments,” AM Best said. “The backlog of requests from earlier years has decreased,” and the wait time for a decision on a filing has lessened, the rating agency added. Both segments have a stable outlook from AM Best. Together, net underwriting income jumped to $5.8 billion in 2025 from $12.4 billion in 2024. Overall, U.S. commercial insurers appear
to have performed well, more than doubling underwriting income to $19.2 billion in 2025. However, not all lines enjoyed positive results. In commercial auto, there was improvement from the $4.9 billion underwriting loss of 2024, but the line was still in the red in 2025 with a loss of about $1.9 billion. AM Best said physical damage remains profitable but liability losses “keep mounting,” as insurers recorded another $2 billion in reserve deficiencies in 2025. AM Best’s outlook here is negative, as it is for other liability (occurrence), where more claims and legal costs—and the emergence of new kinds of litigation—have a drag on results though the underwriting loss improved to about $11 billion in 2025 from about $13.7 billion in 2024. Net losses incurred increased to a five-year high of nearly $50 billion thanks to litigation costs, and the combined ratio for 2025 was 114.7. This was an improved result from the 120.3 combined ratio recorded for the prior year as premiums grew faster than losses. Social inflation continues to be a major factor in general liability, said AM Best, and new exposures may be on the horizon with the rapid growth of artificial intelligence and new class-action litigation in the drug, food, and chemical industries. The agency noted PFAS claims are “developing at an accelerating pace.” INSURANCEJOURNAL.COM
News & Markets
Changes in Policy Language, Provisions Suppressing Claim Volume, Report Shows By Don Jergler
U
.S. claim volume fell 8.9% from last year, with total claims dipping 13.1% below the five-year average, despite several large catastrophe events, says a new report. Changes in policy language and policy provisions are a big factor in suppressing the volume, according to authors of Verisk’s property report on the first quarter. “We’re really starting to see increased usage across the board of those ACV (actual cash value)-only loss provisions and loss settlements and endorsements than we have in the past,” said Susan Fleming, vice president of business intelligence and insights at Verisk. Verisk is seeing more carriers using the percentage deductible than before, requiring policyholders, for example, to pay 2% of the overall value of the home to repair a $3,000 water loss. “That wind and hail deductible is consistently, almost always utilized, or a lot more frequently than we saw in the past, and as insureds have to take a portion of 12 | INSURANCE JOURNAL | JULY 27, 2026
that loss and are responsible for it, we start to see fewer and fewer claims being filed,” Fleming said. Water accounted for 31.1% of U.S. property claims in the first quarter, increasing 6% over last year. That was followed by wind (20.4%) and then hail claims. Hail claims, which have received a lot of attention lately due to their increasing volatility, actually fell 23.6%.
‘We’re really starting to see increased usage across the board of those ACV (actual cash value)-only loss provisions and loss settlements and endorsements than we have in the past.’ The trend of falling hail claims appears to back up what Fleming is seeing in the data. Average U.S. residential roof replacement costs jumped 33% and repair costs rose 25% in 2025 compared to the prior four-year average despite a sharp decline in claims volume, a report out from
Verisk in June shows. The claims report also examined losses from winter storms Fern and Hernando, which produced more than 46,000 ice, snow, and collapse claims with $478 million in estimated replacement costs. Fern, which hit from January 23 to 29, affected a large portion of the East. Hernando hit the Northeast February 21-23 and produced blizzard conditions. Despite the national decline in volume, a handful of Western states saw big claims increases, including Alaska (121%), Arizona (78%), and Montana (49%), the Verisk Q1 2026 Property Report shows. The report shows total reconstruction costs are still on the rise. U.S. total reconstruction costs rose 3.4% from March 2025 to March 2026, down from the 5.3% pace last year. Quarterto-quarter, costs rose 0.7% in Q1 2026 compared with 1.0% in Q4 2025, showing cost inflation is moderating even as prices continue to rise, the report shows. Verisk attributes much of the increase to fuel shipping backlogs and disruptions in the Strait of Hormuz, as fuel inflation flows into labor, transportation, and construction costs. “Rising fuel costs can be a primary driver of construction cost increases,” the report states. “Higher fuel prices directly impact crew transportation, equipment mobilization, and daily operating expenses, which are often incorporated into billable labor rates.” Average claim severity for the first quarter was $16,079. After adjustments, the quarter was 12.11% below 2025 but only 3.42% below the five-year historical average. The figure could rise and claims continue to mature, the report shows. “This figure is expected to rise as complex claims close,” the report states. “Q4 2025, previously reported at $17,167, has since matured 10.15% to $18,910—the second-highest quarterly average in recent record, behind only 2022 and just slightly above 2024’s $18,758. Using a 10% maturation estimate, Q1 2026 could mature to roughly $17,687, which would make 2026 the second-highest year for average severity after 2025.” INSURANCEJOURNAL.COM
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Figures
4
The number of deaths that have occurred in just two years at a postal distribution center outside of Atlanta, Georgia. The deaths and safety issues at the USPS Palmetto, Georgia, site prompted U.S. Sen. John Ossoff, D-Ga., to demand answers on what may be going wrong at the facility. “Since the Palmetto facility opened, postal workers have continually reported difficulty making calls inside of the facility in the event of emergency situations, poor working conditions, and management struggles,” Ossoff wrote in a June letter to Postmaster General David Steiner. The senator asked for information on how workplace safety standards at Palmetto compare to other postal facilities and any steps the service has taken to improve safety.
1,800
The number of jobs expected to be eliminated by Allianz SE at its assistance and travel insurance subsidiary, Allianz Partners, as the company pushes forward with implementing artificial intelligence solutions. The cuts, which they expect to take the forms of severance agreements, early retirements and similar options, will amount to between 1,500 and 1,800 positions across Europe, according to the unit’s CEO Tomas Kunzmann.
14.6%
The workers’ compensation rate cut that prompted the Massachusetts Supreme Judicial Court to return the 2024 and 2025 workers’ compensation rate decisions to the state’s insurance regulators for reconsideration. The court found that they failed to explain why they chose to order the rate cut in 2024 and a change in the methodology for rating public housing authority employees for 2024 and 2025. 14 | INSURANCE JOURNAL | JULY 27, 2026
$3 billion
The amount insurance broker Hub International Holdings Inc. is seeking to raise in its initial public offering, according to people familiar with the matter. The Hellman & Friedman-backed company is targeting going public as soon as this year, some of the people said, asking not to be identified as the information isn’t public. Hub filed confidentially for the listing in late June. Discussions are ongoing and details of the IPO, such as the size, could change, the people said.
$2.9 billion The amount of claims reported by the Missouri Department of Commerce and Insurance one year after the catastrophic events of the 2025 severe weather season. Of the nearly $2.5 billion in claims, roughly 83% has been paid for residential property claims, according to the department. DCI this month reported on incurred losses and paid claims processed to date. Insurers have received more than 250,000 catastrophic claims on residential property, renters and condo owners, and auto insurance policies. INSURANCEJOURNAL.COM
Declarations
From Friction to Partnership
ACV Impacts
Effective Adaptation Incentives
“Our findings underscore that rising insurance premiums can increase adaptation, but only if paired with policies that target financial constraints for low-income and low-wealth households.”
“These are not marginal shifts. They are the strongest signal we have seen that the relationship between agents and carriers is moving away from transitional friction toward operational partnership,”
— Susan Fleming, vice president of business intelligence and insights at Verisk, discussing changes in policy language and policy provisions, which are suppressing the volume, according to Verisk’s Q1 property report.
— Quote from a new study that examined more than 20 years of data from Florida’s Citizens Property Insurance Corp. The study found premium discounts are not enough to prompt widespread adoption of mitigation measures, finding “lower-income households and those facing higher adaptation costs reduce their investments when premiums rise—premium increases tighten an already binding budget constraint, crowding out the upfront expenditures required for adaptation.”
— First Connect Chief Executive Officer Aviad Pinkovezky in an introduction to First Connect’s “2026 State of the Industry Report.” The report found “significant” challenges dropped by 50% or more. In First Connect’s prior “2025 State of the Industry Report,” 86% of agents said they had faced product availability challenges—with 44% reporting “significant” availability challenges—and 17% reporting “significant” problems with carrier appetite clarity.
One Way Out
Suing Socials
Regulating AI
“We’re really starting to see increased usage across the board of those ACV (actual cash value)-only loss provisions and loss settlements and endorsements than we have in the past. That wind and hail deductible is consistently, almost always utilized, or a lot more frequently than we saw in the past, and as insureds have to take a portion of that loss and are responsible for it, we start to see fewer and fewer claims being filed,”
“Most communities were not designed to accommodate every resident evacuating simultaneously. In a lot of areas, there’s only one way in and out.”
— Dan Mahoney, chief of the Ross Valley Fire Department, which serves the town of 7,500 in Marin County, California. A UC Santa Barbara study published last month underscored the magnitude of the evacuation challenge, finding that 2.5 million people in the U.S. live in small towns at high risk for wildfire but with limited escape routes. Researchers determined that fire fatalities are concentrated in such communities. With climate-exacerbated heat waves triggering blazes across the U.S. and globally, evacuation is becoming an existential challenge. INSURANCEJOURNAL.COM
“Social media companies have evidence of the harm they are causing to our kids by designing platforms that keep them hooked in endless scrolling and monetizing engagement at the expense of their mental health. Boston is taking legal action to protect children and youth and hold these companies accountable.”
— Boston Mayor Michelle Wu on the lawsuit filed by the city against Meta and other social media companies on behalf of Boston Public Schools. The suit alleges the platforms deliberately target minors with addictive design features that harm mental health. The case will be consolidated with complaints filed by more than 1,500 school districts across the country.
“Congress and the president ought to be passing similar legislation, but they’ve so far been unwilling, because many are captive to special interests that profit from the industry having no regulation. We can work together to establish thoughtful guardrails in ways that benefit both industry and the public, or we can allow a handful of actors to evade accountability and push the costs and detriment onto ordinary people. Illinois has chosen our path.”
Illinois Gov. J.B. Pritzker, signing artificial — intelligence legislation modeled after similar bills in California and New York, furthering a push for a state-driven national framework in lieu of federal regulations. JULY 27, 2026 | INSURANCE JOURNAL | 15
Business Moves CA) – An independent P/C brokerage with
over two decades of service, specializing in apartment building coverage.
East
World Insurance Associates LLC, Still Creek Insurance
National
Sompo International Holdings Ltd., Service Insurance Companies
Sompo International Holdings Ltd. has a definitive agreement to acquire Service Insurance Companies, a monoline workers’ compensation insurance company based in Austin, Texas. Terms of the transaction were not disclosed. Founded in 1982, Service Insurance brings claims expertise and a complementary focus on the small and medium-sized enterprise segment. Brad Davis, current president of Service Insurance Companies, will continue to lead the business for Sompo.
The Doctors Company, ProAssurance Corporation
The Doctors Company completed the acquisition of ProAssurance Corporation for $25 per share in cash, a total value of about $1.3 billion. ProAssurance is a specialty insurer in medical liability, products liability for medical technology and life sciences companies, and workers’ compensation insurance. The Doctors Co. is a physician-owned medical malpractice insurer. The combined company will protect more than 200,000 healthcare professionals and organizations nationwide with assets of $12 billion. ProAssurance’s common stock will no longer be listed on the New York Stock Exchange, and ProAssurance will become a wholly owned subsidiary of The Doctors Co. 16 | INSURANCE JOURNAL | JULY 27, 2026
ALKEME Acquires Eight Agencies
Insurance agency ALKEME Insurance acquired eight agencies across the U.S. over the second quarter of 2026. Terms of the deals were not disclosed. The newly acquired firms include:
LG Insurance (Long Branch, New Jersey) – A P/C agency specializing in the
high-value residential market for personal lines and the hospitality and construction sectors for commercial lines.
Blue Lion Insurance (Chandler, Arizona) – With operations in Arizona and
Washington, serves personal and business lines clients with a focus on contractors and hard-to-place surplus lines.
Top Floor Insurance (Atlanta, Georgia)
– Focused exclusively on commercial P/C insurance for apartment community owners and managers.
Affordable Medicare Solutions (Hoschton, Georgia) – A retail agency
providing Medicare benefits coverages to individuals and families throughout the Atlanta area.
Stonebriar Insurance (Dallas-Fort Worth, Texas) – A retail P/C agency provid-
ing coverage to individuals and businesses across the Dallas-Fort Worth area, with additional health and specialty products.
Virtue Risk Partners (Pearl River, New York) – A specialty underwriting
organization focused on general casualty, professional, environmental and excess insurance solutions.
LF Insurance Group (Golden, Colorado)
– A retail P/C agency with a long-standing presence in the Denver market.
Blue Sky Insurance (Simi Valley,
World Insurance Associates LLC acquired the business of Still Creek Insurance of Rockville, Maryland. Still Creek Insurance offers auto, home, business, and life insurance. The agency is led by Steven Bender, Kevin Rowe, and David Wexler. Still Creek is licensed in Maryland, the District of Columbia, Virginia, and Delaware. World Insurance, based in Iselin, New Jersey, serves clients from more than 250 offices across the U.S. and U.K. Terms of the transaction were not disclosed.
Midwest
Arthur J. Gallagher & Co, Cincinnati Benefit Solutions
Arthur J. Gallagher & Co. acquired Ohiobased Cincinnati Benefit Solutions. Terms of the transaction were not disclosed. Cincinnati Benefit Solutions provides employee benefits services for small businesses in Cincinnati and nearby areas. Drew Locaputo and the Cincinnati Benefit Solutions team will remain in their current location under the direction of Brian Lomas, head of Gallagher’s Great Lakes region employee benefits consulting and brokerage operations.
Risk Placement Services Inc., Med James Inc.
Arthur J. Gallagher & Co.'s U.S. wholesale brokerage, binding authority and programs division, Risk Placement Services Inc. (RPS), acquired Overland Park, Kansasbased Med James Inc. Terms of the transaction were not disclosed. Med James is a managing general agency (MGA) and wholesale insurance broker serving retail agents. Pam Donahue and the Med James team will remain in their current location under the direction of Jacey Norberg, VP-North Central Region for RPS. INSURANCEJOURNAL.COM
South Central
Hilb Group Acquires Louisiana P&C Agency
Hilb Group acquired a Louisiana-based property and casualty agency. Hilb did not specify the name of the acquired agency. The acquisition takes effect today and builds on the company’s growing presence in the Central region.
Amwins, Jackson-Lloyd
Amwins acquired Jackson-Lloyd, a specialist MGA dedicated to occupational loss protection. Jackson-Lloyd will join Amwins Specialty Casualty Solutions (ASCS), an MGA and specialty insurance program creator, strengthening its growing accident and health portfolio with a program that has defined the non-subscriber insurance market in Texas for more than three decades. Founded in 1989 in Longview, JacksonLloyd is widely regarded as a pioneer in non-subscriber occupational accident programs.
Sequel Insurance Agencies, Watkins Insurance Group
Sequel Insurance Agencies, powered by SIAA, an independent insurance agency platform and perpetuation partner for entrepreneurial agencies, acquired Watkins Insurance Group, including five office locations across Austin and Central Texas. Patrick Watkins will maintain his CEO role alongside the entire management team and the organization’s workforce of more than 160 colleagues. Founded in 1949, Watkins Insurance Group provides business insurance, personal insurance, employee benefits, surety, and risk management solutions. Watkins is known for its client advocacy, community involvement, and commitment to delivering customized insurance solutions and trusted relationships. Sequel Insurance Agencies is a brand name used to represent affiliated insurance agencies: 123 Insurance Inc., Arbor Insurance Group LLC, Cogswell Insurance Agency LLC, Feingold & Feingold Insurance Agency Inc., GIA Group LLC d/b/a Glenwood Insurance Agency, INSURANCEJOURNAL.COM
Hyland, Block & Hyland Inc., Insurance Circle Agency LLC, Paris-Kirwan Associates Inc., and PKA-Drake Agency LLC.
Brown & Riding Launches National Private Client Practice
Brown & Riding launched a new national private client practice, a specialty practice area focused on affluent personal lines. The practice is led by Courtney Kerr, backed by a team with experience in affluent personal lines, complex personal risk management, and the development of bespoke insurance solutions for high-networth individuals and families. Brown & Riding is based in Dallas, Texas.
Southeast
Marshall+Sterling Opens Fort Lauderdale Office Marshall+Sterling, the large, New York-headquartered insurance brokerage, has expanded its South Florida operations with a new office in Fort Lauderdale, Florida. The firm, now with 22 locations around the country, already has an office in Wellington, Florida, near West Palm Beach. That will remain the home of Marshall+Sterling’s equine division. The Fort Lauderdale site will become a hub for the brokerage’s property-casualty operations in the region, including its four Virgin Islands offices. The Fort Lauderdale hub will be led by Alison Kallman and Yannick Nicome, both of whom are vice presidents and regional service managers.
Enterprise Risk Associates, Insurance Solutions of America
Enterprise Risk Associates, the New York-based insurance brokerage that has focused on expansion through agency acquisitions, acquired Insurance Solutions of America (ISOA), headquartered in Oviedo, Florida. ISOA, founded in 2007 by Scott Lugering and Amber LaSota, specialized in commercial coverage for businesses that provide protection systems for others. Lugering will remain at the helm of ISOA, and the team will operate out of the Oviedo office. The terms of the deal were not
disclosed. The move comes seven months after Enterprise Risk leaders announced a $150 million infusion of capital from Macquarie Capital Principal Finance to further the brokerage’s acquisition plans.
Mile Auto, Insurance House Inc.
Mile Auto, an AI-driven MGA, acquired Insurance House Inc. With nearly $100 million in annual premium, the combined organization serves more than 55,000 policyholders and 1,600 independent insurance agencies across 10 states. Mile Auto contributes patented artificial intelligence and computer vision technologies that power privacy-focused, mileage-based insurance products. Atlanta, Georgia-based Insurance House adds more than 62 years of MGA expertise and trusted relationships with independent insurance agencies throughout the Southeast. The combined organization will continue operating under the Mile Auto and Insurance House brands. Insurance House’s carrier partner, Southern General Insurance Company, will continue its relationship with Insurance House as an independent fronting carrier.
West
DUAL North America Launches California Homeowners Insurance Product
DUAL North America launched a California Homeowners insurance product, expanding its U.S. personal lines offering. The product is written on an HO-3 form, backed by an A.M. Best ‘A’ rated carrier, and offers dwelling coverage limits of up to $5 million. It is distributed through retail and wholesale agents using DUAL’s online platform The product includes dedicated underwriting, sales and service support, a full-service SLA filing process and a customizable valuation tool. DUAL North America is a specialty program administrator offering property/casualty, financial lines and surety products through specialized operating subsidiaries. DUAL North America is a part of the DUAL Group. DUAL is the specialist underwriting arm of Howden Group. JULY 27, 2026 | INSURANCE JOURNAL | 17
News & Markets Older, Wealthier Renters Drive Changes in Insurance Needs By Ezra Amacher
A
s the demographic of the average American renter changes, so too do their insurance needs. Renters today tend to be older with higher incomes and stronger credit profiles, and they often remain at the same address for several years, according to a recent report from TransUnion. The median renter is now 40 years old with a $56,000 household income and a TransUnion proprietary credit score of 652, the report found. Insurers’ views of renters as less-than-desirable consumers are long outdated, said Patrick Foy, senior director for TransUnion’s insurance business. “There’s been a shifting of homeowners to renters of some of these preferred customer profiles,” Foy said. “So, the overall home profile of renters has actually gotten better because traditionally those people would’ve bought homes by now, but they can’t afford homes, so they’re being kind of forced on the sidelines.” The average first-time home buyer in 2024 was 40 years old, a sizable increase from 2019 when the age was 33. Recordhigh home prices, elevated mortgage rates, rising non-mortgage costs, and lagging income growth are likely to keep would-be home buyers as renters, the report said. Renters remain at the same address for an average of 3.3 years, TransUnion found, signaling stability and low to moderate risk. The insurance products marketed to these long-term renters haven’t necessarily kept pace, Foy said. “A lot of contents policies only insure up to maybe $50,000 or $100,000 of 18 | INSURANCE JOURNAL | JULY 27, 2026
contents,” Foy said. “So, are insurance companies revisiting their insurance products that they offer those customers? Are they offering higher coverage amounts to target long-term renters? Are they cross-selling life insurance to those renters?”
‘There’s been a shifting of homeowners to renters of some of these preferred customer profiles.’ With homeownership out of the picture for many older renters, insurers should be building out to bring those consumers along the lifetime value journey, Foy said. He drew a comparison with how car companies used to approach consumers in the 1970s and 1980s. First came the entry-level brand followed by the more premium brands. “Renters are compiling more assets,” Foy said. “They may have two cars. They may have other vehicles like a boat or
pleasure craft or snowmobiles or ATVs, those types of things. They also are going to have children. So, those are all things that increase their insurance needs.” Umbrella policies are a natural cross-sell to renters, as is small business coverage, Foy said. Renters and homeowners shop insurance at a similar rate, but renters are more inclined to trade carriers. In the fourth quarter of 2025, 3.8% of renters switched carriers compared to 2.4% of homeowners, according to a J.D. Power report conducted in collaboration with TransUnion. “These people may or may not become homeowners in the future, but what you know is if you build that relationship now at a foundational level and start getting lots of different insurance relationships with them, both across commercial life and renters, they’re going to think about you,” Foy said. “You’ll be front of mind when they transition to a homeownership situation, if they do transition.”
INSURANCEJOURNAL.COM
News & Markets US Cyber Insurance Market Sees Flat Premium, More Third-Party Claims Hit Loss Ratio By Chad Hemenway
T
he U.S. cyber insurance market may be facing a time of transition as certain signs point to eventual adverse development. According to AM Best, the market’s loss ratio in 2025 increased for the second straight year to 53—the first time over 50 since the ransomware spike seen during the COVID pandemic. In the meantime, third-party claims are rising, and total premium was basically flat after considering that a perceived increase in 2025 was caused by insurer Beazley’s move of a block of business from an offshore entity to the U.S. Chubb occupies the top spot among largest cyber insurers, but Zurich’s acquisition of Beazley will make it the top cyber insurer based on 2025 direct premiums, AM Best noted. Prices are still going down. AM Best’s cyber market report said the first three months of 2026 saw the eighth consecutive quarter of pricing cuts in the U.S. cyber insurance market. “As long as pricing continues to decline, insurers will have difficulty reversing the increasing loss ratio,” AM Best said. Third-party claims, which are trending up 30%, will add to uncertainty of future losses because they typically have a longer tail. Surplus lines carriers are in line to take a direct hit, since they now account for nearly two-thirds of all cyber insurance premium, AM Best said, and already had an incurred loss ratio of nearly 56 in 2025. Admitted carriers carry a loss ratio of 50.2. (The paid loss ratio remains in favor of surplus lines.) AM Best said the marketplace is becoming two markets, with surplus lines writing primary and excess cyber-specific
policies and “another market focused on endorsements to other commercial policies.” However, with surplus carriers looking to take the brunt of long-devel-
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oping third-party claims, the “paid-loss advantage for surplus lines carriers may dissipate and possibly even turn the other way,” AM Best added.
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People National
Corporate & Specialty insurer HDI Global (HDI),
headquartered in Chicago, Illinois, appointed
Amy Shinkman
Amy Shinkman
as credit and political risk lead at HDI Global US. Based in Washington, D.C., Shrinkman has over 25 years of experience in global credit and political risk underwriting. In her new role, she will lead the development of HDI Global’s credit and political risk business in the U.S. Most recently, Shinkman served as the vice president of export credit insurance at the Export-Import Bank of the US (EXIM),. Prior to EXIM, she held positions with AIG and Atradius, in both London and Singapore.
AXA XL, headquartered in New York City, appointed Matt Rodliff as chief claims officer, Americas, effective July 13. Based in Boston, Rodliff joins AXA XL from Liberty Mutual, where he served as vice president, specialized claims. Rodliff succeeds Jim DiVirgilio, who has announced his retirement, effective at the end of July. DiVirgilio served for 18 years at AXA XL, most recently as chief claims officer, Americas. He will continue to serve in an advisory role through the end of the year. American International Group (AIG) hired Christine Williams
as head of global client and broker
Christine Williams
relationships. Williams will begin this new role at AIG on September 1. Williams joins AIG from Aon, where she was co-head of Aon U.S. and was a member of the executive committee. During her more than two decades at Aon, Williams held a range of senior leadership roles in the U.S. and internationally.
Miller, an independent specialist (re)insurance broker headquartered in London, appointed Kim Plant as head of North American property. Plant joins Miller from Amwins, where he served as a director in its North American Kim Plant property division from 2020. He began his insurance career in the property team at Lockton in 2015, following 13 years of military service in the British Army’s Grenadier Guards. At Miller, Plant leads the business’s North American property proposition out of London and Bermuda. Nancy Bewlay was named American International Group’s new global chief
underwriting officer in the insurer’s latest development at top leadership. Nancy Bewlay Bewlay, who was most recently group chief underwriting and pricing officer at AXA Group since 2023, will start her new role with AIG on September 8. She will report to Eric Anderson, president and CEO, and she will join the executive leadership team.
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Anderson officially became president and CEO on June 1, succeeding Peter Zaffino, who has moved to executive chair of the company’s board of directors.
CFC, the London-based specialist MGA, appointed Adam Winslow as group CEO. Prior to joining CFC, Winslow was group CEO of Direct Line Group. Before Direct Adam Winslow Line Group, Winslow was CEO of Aviva’s UK and Ireland General Insurance business. Current Group CEO Louise O’Shea, who has served for nearly six years, first as an independent non-executive and latterly as CEO, will be stepping down but will remain a significant shareholder in the business.
East
CRC Benefits, a division of CRC Group headquartered in Dallas, Texas, hired Karen Crotty as a benefits sales executive to lead a new Northeastfocused department serving Karen Crotty brokers in New Jersey, New York, Pennsylvania, and Maryland markets. With more than 35 years of insurance industry experience, Crotty oversees an initiative dedicated to minimum value plans and minimum essential coverage plans, as well as voluntary benefit products, and alternative benefits strategies for small and mid-sized employers. She most recently served as an employee
benefits consultant at Kistler Tiffany Benefits.
MSIG USA, headquartered in New York City, appointed Darin
Stafford, Thomas R. Sullivan and Marc Gallo to the board
of directors of MSIG Holdings (U.S.A.), Inc. Stafford has over 30 years of experience in finance, governance, capital markets, enterprise risk and strategic growth. He recently retired as chief financial officer of Amwins. Sullivan joins the board with more than 40 years of leadership experience. He previously served as senior associate director at the Board of Governors of the Federal Reserve System, following earlier leadership roles as Connecticut Insurance Commissioner and senior vice president at The Hartford. Gallo has more than 35 years of experience, including a 29-year career at PwC, where he advised insurance and financial services organizations on digital transformation, cloud technologies, artificial intelligence, and enterprise modernization, including building the firm’s new services and emerging technologies practice.
Tom Clifford assumed an expanded leadership role as leader of U.S. brokerage and account management in the construction and infrastructure (C&I) group at NFP, an Aon company. Based in New York, Clifford oversees the C&I brokerage strategy and relationships with insurers and wholesalers, as well as brokers and account management personnel for all construction P&C lines. He will also supervise the INSURANCEJOURNAL.COM
national account management strategy and enhance protocols for contractors and developer clients. He previously served as senior vice president, C&I, in NFP’s Northeast and Atlantic regions.
The Andover Companies, headquartered in Andover, Maryland, appointed G. Quinn Landers as senior vice president and chief claims officer. Landers joined The Andover Companies in 2019 after a decade serving as outside counsel to the organization, most recently serving as vice president. G. Quinn Landers Landers has served on the company’s employee training and development team, AI task force, and AI governance committee, and will continue as an officer of the company. The appointment follows the retirement of Stephen Randall, executive vice president and chief claims officer, after 12 years with The Andover Companies and more than four decades in the insurance industry. Chesapeake Employers’ Insurance Company appointed John Barnett as senior vice president and chief financial officer (CFO). Barnett has more than 25 years of financial leadership John Barnett experience and will oversee the company’s financial strategy, operations, and capital deployment. Barnett will lead financial regulatory INSURANCEJOURNAL.COM
reporting, tax, audits, internal controls, and reinsurance programs.
Vermont Mutual Insurance Group, headquartered in
Montpelier, Vermont, named Sarah Jarvis as vice president and chief administrative officer. Jarvis will lead all human resources responsibilities and serve in a newly created community liaison role and as executive director of the Vermont Mutual Charitable Giving Fund. She previously served as a staff attorney for the Vermont League of Cities and Towns. She also held roles as chief of staff at a Vermont higher education institution, staff attorney in private practice, and deputy state’s attorney in the Washington County State’s Attorney’s Office. The company’s vice president and chief marketing officer, Shaun Farley, has announced his upcoming retirement at the end of 2026. Upon his retirement, Farley’s position as chief marketing officer will be assumed by Jonathan Becker, Vermont Mutual’s current vice president and chief underwriting officer. Becker has been in the insurance industry for nearly 30 years. Current vice president and chief people officer, Sarah Young, will take over the role of chief underwriting officer beginning January 1, 2027. Young has 17 years of insurance experience, serving in leadership positions across personal lines underwriting, commercial lines underwriting, marketing and human resources.
Midwest
Shepherd Insurance
appointed Collin Hill as the company’s first-ever chief information officer (CIO), a new leadership role. Hill has over two decades of technology and leadership experience spanning the private sector, higher education, and government, advancing into IT leadership roles before serving as a virtual CIO for small and mid-sized businesses. Most recently, Hill served as chief information officer and director of the Information Services Agency for the City of Indianapolis and Marion County. The board of directors of Big I Illinois named Brett Gerger
as CEO. Gerger, who has served as director of education and agency resources with Big I Illinois since 2019, succeeds Phil Lackman, who is retiring after 31 years with the association. Gerger began his 24-year career at the Illinois Department of Insurance in the producer regulatory division. He later served as chief deputy director of product lines and licensing. He also served as the state of Illinois group insurance division manager with the Illinois Department of Central Management Services. Kristi Osmond will assume the role of education director, and Jennifer Jacobs has been promoted to chief operating officer.
West
Venbrook Group LLC named Kenneth W. Ward chief financial officer. Ward specializes in operational efficiency, cost-cutting initiatives and growth. He most Kenneth W. Ward recently held
the CFO role at Centerline Communications LLC. Before that, he was CFO at National Parts Warehouse. He will be based in Milton, Georgia. Venbrook is headquartered in Los Angeles, California.
Derek Lesmann joined Crest Insurance Group as a broker in the Denver employee benefits division. Lesmann most recently was an employee benefits producer at USI and previously Derek Lesmann served as lead appraisal coordinator at Universal Lending. Crest is headquartered in Denver, Colorado,
Trucordia, headquartered in Lindon, Utah, hired Steve Roberts as executive vice president, Health Benefits & Financial Services. Roberts’ background spans senior leadership roles at Carelon, Aetna, Henry Schein, Datavant, GE Healthcare and Veradigm, where he led strategic initiatives tied to integration, platform optimization and scaling complex Steve Roberts businesses. Mike Lundquist joined Alliant Insurance Services
as vice president within its employee benefits group. Based in Utah, Lundquist’s experience spans a variety of industries. Prior to joining Alliant, Lundquist was a senior benefits consultant with a national insurance and employee benefits consulting firm.
JULY 27, 2026 | INSURANCE JOURNAL | 21
Spotlight: Reinsurance Cedents Find Competitive Market Conditions at Midyear Reinsurance Renewals: Brokers By L.S. Howard
R
ecord levels of reinsurance capital and strong reinsurer profits are driving increasing reinsurer risk appetites and softening prices during the midyear renewals, according to reinsurance brokers in their respective market reports. “In the traditional property market, abundant reinsurer capacity continues to drive a progressively competitive pricing environment,” said Guy Carpenter, the reinsurance brokerage business of Marsh. “Risk-adjusted decreases have deepened since January 1, 2026, with the global property catastrophe rate-on-line index down -16%.” While specialty reinsurance renewals continued a similar softening trend, Guy Carpenter said, significant loss development from the 2024 Francis Scott Key Bridge collapse in Baltimore is expected to hit 2027 marine renewals. “In April 2026, the total loss reserve for the bridge collapse increased from $1.5 billion to $2.8 billion,” said Guy Carpenter in its report titled “July 2026 – Reinsurance Renewal Report.” (Editor’s note: the full renewal report is available on the broker’s Renewal Resource Center.) The Guy Carpenter report noted that most of the claims from the Baltimore bridge collapse will be borne by the reinsurance and retrocession markets. “As the latest reserve increase occurred after 90% of impacted programs were placed in 2026, pricing implica-
tions will not be seen until the 2027 renewal season.” “In the current market conditions, cedents have secured competitive pricing and terms on their reinsurance programs, but many are also exploring alternative options, such as parametric solutions and sidecars, as ways to complement their traditional protection,” said Dean Klisura, president and CEO at Guy Carpenter, in a statement accompanying the report. “We expect this trend to continue as we move through the remainder of the year.”
‘We are mid-cycle, not at the bottom— which is precisely why cedents’ actions now could matter for years to come, and why reinsurers continue to seek access to attractive partnerships at acceptable terms.’ — Gallagher Re “Property catastrophe reinsurance renewals at June 1 and July 1 were productive for insurers, with double-digit pricing reductions and improving terms for most placements,” said Aon in its report titled “Reinsurance Market Dynamics Midyear 2026 Renewal Report.” “In this market, buyers have been able to achieve outcomes better tailored to their needs across most lines,” said Gallagher Re’s First View
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report titled “A Moment for Creativity – July 2026.” “The market has been trending in this direction throughout 2026, so these themes are not new. What distinguished the July 1 renewal is the speed at which these conditions advanced,” said Gallagher. “Reinsurer appetite continued to increase and broaden, with Florida experiencing one of the most positive renewals in a decade. Insurers in Latin America and Australia/New Zealand also benefited from fewer constraints and ample capacity for placements,” Aon confirmed.
What’s Happening With Reinsurance Demand?
“Global reinsurance demand for midyear renewals rose by more than 10%, driven by an expanded product offering from reinsurers and a greater desire to buy more coverage at the top of programs in the U.S.,” Aon said, noting that reinsurance capacity overall was plentiful and adequately met this additional demand in the U.S. Gallagher Re found, however, that reinsurance demand, overall, barely moved last year. “That widening gap between supply and demand has become the defining feature of the market: one we identified in January and April, and which intensified through the midyear renewals rather than eased,” Gallagher Re said. “As long as this imbalance continues, capital management will be a prominent question for reinsurers—who remain keen to
write business if the economics are acceptable, but will look to other options if not.”
Reinsurance Capital at Record Levels
“Global reinsurer capital rose by $5 billion to a new high of $790 billion at March 31, 2026, mainly driven by the continued growth in third-party capital,” Aon added. Guy Carpenter and Gallagher Re also cited record levels of reinsurance capital but with slightly different numbers. Guy Carpenter’s estimate for dedicated reinsurance capital was $663 billion in 2025—an increase of 9%, with alternative capital increasing by 15% since 2024. Gallagher Re estimated that dedicated reinsurance capital reached a record $648 billion at the end of 2025, up 11% on the year, driven by retained earnings. Gallagher Re noted that while retained earnings have been the most prominent contributor to the record level of capital, the impact of alternative capital growth has been significant. “Non-life alternative capital grew 18% last year to a record $135 billion, and the inflows are no longer confined to natural [catastrophes].”
Strong Reinsurer Profits
Gallagher Re pointed to the fact that reinsurers have reported excellent results, which is driving record capital levels and leading to competitive (softening) rates. Reinsurers are entering “the second half of 2026 in exceptional health,” with a 2025 return on equity near 19% and INSURANCEJOURNAL.COM
very light catastrophe losses during the first half of this year (compared to the latest 10-year average), said Gallagher Re, explaining that this profit picture has left the sector with “the motivation to deploy.” “Returns are expected to moderate in 2026 but to remain comfortably above the cost of equity, leaving a sizable earnings buffer to absorb the impact of falling rates,” Gallagher said. “So long as forecast forward returns remain attractive, there is plenty to drive competition as we head toward the 2027 renewals.” Aon also referred to reinsurers’ healthy balance sheets. “Reinsurers’ underwriting results have remained strong, with reinsurers reporting an INSURANCEJOURNAL.COM
average Q1 return on equity of 14.1%, well above the average cost of equity,” Aon said. “With a strong El Niño weather pattern expected to suppress Atlantic hurricane activity in 2026, most reinsurers are well placed to comfortably exceed their cost of capital in 2026.” “Reinsurers’ underlying returns, though narrowing, remain strong by historical standards and comfortably ahead of their cost of equity,” said Gallagher Re’s report. “Pricing is converging toward technical adequacy rather than overshooting it,” Gallagher added. “Discipline remains visible, and reinsurers have continued to reward cedents who hold the line on deductibles and structural integrity. We are mid-cycle,
not at the bottom—which is precisely why cedents’ actions now could matter for years to come, and why reinsurers continue to seek access to attractive partnerships at acceptable terms.” Other findings from the reports include: • In property lines, Guy Carpenter said, attractive terms and coverage options are spurring exploration of supplemental solutions to augment traditional catastrophe programs. • Third-party capital is increasingly being put behind casualty risks and a broader range of lines—activity that has remained elevated in 2026, said Gallagher Re. • Midyear casualty renewals demonstrated “nuanced
outcomes, reflecting adequate capacity, differentiated pricing based on loss experience, and evolving market structures as clients increasingly sought to leverage structured risk solutions,” Guy Carpenter noted. • Gallagher Re explained that casualty reinsurance outcomes during the July 1 renewal period reflected a market that is cautious about cedents’ underlying performance, yet increasingly flexible in execution. “Reinsurers have been more willing to balance their casualty concerns with their interest in supporting core clients, particularly within broader, multi-line relationships.”
JULY 27, 2026 | INSURANCE JOURNAL | 23
Spotlight: Disaster Preparedness 20 Years After Hurricane Katrina: Is the Industry Ready for a Different $100B Disaster?
By Jessica Boyd
and Daniel Bannister
O
n August 29, 2005, Hurricane Katrina made landfall near Buras-Triumph, Louisiana, as a Category 3 hurricane with sustained winds of 125 mph. It had previously reached Category 5 intensity over the Gulf of Mexico, peaking at 175 mph, before weakening prior to landfall. Katrina generated
a storm surge over six meters high along parts of the Mississippi coast, overtopping and breaching levee systems in New Orleans. In total, there were over 1,800 fatalities, more than 200,000 homes destroyed, and around 1.2 million people displaced. Economic losses exceeded $250 billion (inflation adjusted to 2025 values), while insured losses reached around $100 billion (in 2025 terms), making Katrina the most expensive natural catastrophe on record. Twenty-one years later, Katrina still shapes how we think about catastrophe risk. But the next $100 billion-plus catastrophe won’t follow Katrina’s script. Risks have changed. So have our cities. Even the hazards themselves are changing. Rather than asking if we are ready for another Katrina, the question
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should be: “Are we ready for a completely different kind of disaster?” Here are five key reasons why the next major catastrophe won’t look like Katrina and how ready we really are, scored out of five.
1. We missed clear warnings before Katrina, and future ones may be harder to see.
The devastating flooding from Hurricane Katrina is often described as a surprise, but in hindsight it was alarmingly foreseeable. Just a year earlier, in 2004, Hurricane Ivan came close to a direct hit on New Orleans, prompting warnings of widespread flooding. But when Ivan veered north and made landfall in a less densely populated area, its potential catastrophic impacts were quickly forgotten. This oversight highlights a critical weakness in risk thinking at
the time: failure to learn from counterfactuals. We tend to prepare for what has happened, not for what nearly did. So, how can we avoid being blindsided by the next “predictable surprise”? We can use downward counterfactual analysis, the practice of examining past near-miss events and asking, “What if this had been worse?” Unlike some traditional disaster scenarios, which can feel abstract and unlikely, these are rooted in real past events, so they are tangible and relatable. Though the concept is gaining traction, downward counterfactuals are not systematically used in exposure management. As a result, we continue to miss chances to prepare for disasters history has already warned us about. Yet even the past has limits. With a changing climate, the same catastrophe hitting the same place today could unfold in entirely different and potentially more devastating ways. Score: 2/5, inadequately prepared. True proactive planning for “predictable surprises” is still more the exception than the rule.
2. We manage exposure hotspots better now, but new ones are emerging.
Katrina revealed how insurers had concentrated exposure in high-risk areas, leaving them vulnerable to flooding from a single event. In response, (re) insurers began monitoring and capping their exposure in vulnerable zones. Portfolios were diversified geographically to reduce the risk of excessive loss in any one area. In essence, the practice of exposure management was born.
continued on page 26
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Spotlight: Disaster Preparedness continued from page 24
This practice has strengthened the industry’s resilience, but new forms of accumulation are emerging—and they’re not always tied to one region or peril. Climate-driven events can impact multiple regions at once, from simultaneous wildfires to flooding across river basins. Urban sprawl adds another challenge. Though gradual, it drives high-value development into areas not previously seen as high-risk, like the wildland urban interface. Even when exposure is well managed at postcode level, the expansion of built-up areas can strain emergency services and infrastructure, complicating evacuation and recovery and increasing business interruption claims. Additionally, not all accumulation is visible on a map. Infrastructure interdependencies, such as from power grids and digital networks, can concentrate risk in ways geography can’t show. A major cyberattack, for example, could simultaneously disable critical services, disrupt supply chains, and trigger widespread business interruption across multiple sectors and regions. Score: 3/5, moderately prepared. We’ve learned this lesson from a geographic flood accumulation perspective, but we don’t anticipate other types of loss accumulation sufficiently well.
3. Levee failures were the known unknown, but what’s the next infrastructure domino?
One of Katrina’s harshest lessons was that infrastructure we take for granted can fail catastrophically. The New Orleans
levee breaches—unmodeled by insurers at the time—exposed this blind spot. In the typical (re)insurance reactive style, many models now include the failure probabilities for New Orleans’ levees but not for other, less extensive yet still vulnerable defenses. The challenge is anticipating critical infrastructure failures that haven’t yet occurred. One of the biggest barriers is the failure of imagination, our tendency to overlook risks we haven’t experienced before. To address this, we can use tools that stretch our imagination. Large language models (LLMs), a branch of generative AI, have the potential to rapidly generate diverse, novel catastrophe scenarios that a human (or group of humans) may miss. While many insurers already include scenario analysis to help plan for unforeseen circumstances, current exposure management processes don’t yet systematically include these highly imaginative whatifs. This must be done with care—LLMs can misinterpret context or generate inaccurate details—but with expert review,
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they can expand, not replace, our ability to imagine what could go wrong. Score: 1/5, severely underprepared. Where Katrina exposed a physical weakness in a known location, the next failure could be digital, decentralized, and invisible until it happens. We don’t yet use the tools available to expand our imagination to help us plan for unfamiliar future events.
Where Katrina exposed a physical weakness in a known location, the next failure could be digital, decentralized, and invisible until it happens. 4. Post-event loss amplification could be bigger and messier.
When infrastructure fails, the consequences go far beyond physical damage. Katrina showed how cascading effects—costly repairs, delayed claims settlement, and a paralyzed local economy—can
drive insured losses far beyond expectations. At the time, catastrophe models couldn’t account for such post-disaster complexities. Today’s models apply adjustments for things like demand surge and claims inflation, but those adjustments remain relatively unsophisticated. Also, postevent loss amplification (PLA) factors are still largely based on historical averages and expert judgment. What’s different now is the scale and interconnectedness of exposure. Major cities are more densely built, more reliant on just-in-time supply chains, and more digitally dependent. A future disaster could disrupt essential services—power, water, internet—across multiple cities or regions simultaneously, triggering ripple effects in housing, healthcare, finance, and beyond. Add new vulnerabilities like cloud data storage or gig-economy labor, and the system-wide impacts become even harder to model or contain. Climate change amplifies this
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News & Markets
Driver Sentenced for Insurance Fraud After Crash Caught on Dashcam
A
California driver was sentenced for filing a fraudulent insurance claim after dashcam footage showed him involved in a road rage incident that caused the accident. Kenneth Pham Tran, 54, of San Jose, was sentenced after dashcam footage showed him initiating a road rage incident, which resulted in him being rear-ended
by a semi-truck. Tran attempted to profit from the accident that he caused by filing an insurance claim to collect an undeserved payout, according to the California Department of Insurance. An investigation into the incident was launched after a referral from San Jose CHP, which first investigated the collision and reported the incident on January
28, 2025. The initial investigation found Tran had filed a claim with his insurer, stating the back of his white Jeep Wrangler Rubicon was damaged after it was rear-ended by a semi-truck while he was stopped in traffic. His claim he also stated the driver of the semi-truck refused to pull over and exchange insurance information, according to the CDI. It was later discovered that a witness placed a separate 911 call reporting they had to swerve out of the way of a white Jeep Wrangler Rubicon that was driving recklessly and “break checking” a semi-truck on the freeway. The witness reported that the driver of the Jeep began swerving in and out of lanes to keep the semi-truck behind his vehicle. Tran reportedly held the brakes several times before the semi-truck struck the back of his vehicle. The road rage incident was captured on the semi-truck’s dashcam. Investigators obtained the footage and found evidence that Tran had initiated the crash because he felt he had been cut off by the semitruck. The footage also corroborated the account of the witness who called 911. Tran was found guilty by a jury on one count of felony insurance fraud, one count of felony vandalism and one misdemeanor count of reckless driving. Tran was sentenced to 60 days in county jail, two years of probation and was ordered to pay over $4,000 in restitution. The case was prosecuted by the Santa Clara County District Attorney’s Office.
Organized Jewelry Theft Ringleader in California Handed 16-Year Sentence
T
he leader of an organized retail theft ring targeting high-end jewelry stores across Southern California was handed a 16-year prison sentence. From April 2023 to May 2024, Rodney Allen Flynt Jr. and his accomplices carried out thefts resulting in more than $1.5 million in losses to stores. Flynt pleaded guilty in March after a preliminary hearing, and was sentenced to 16 years and four months in state prison. He was also ordered to pay restitution of $1.2 million. According to California Attorney General Rob Bonta’s office, which pursued the INSURANCEJOURNAL.COM
case, this marks the longest sentence they have secured in an organized retail theft case. The organized retail theft ring targeted more than 14 stores during the day and after hours using smash-and-grab tactics, often in shopping malls throughout the state. The thefts occurred in San Diego, Orange,
Riverside and Kern counties. The retailers targeted included JCPenney, Zales, Princess Jewelers and Kay Jewelers. Other suspects involved in the thefts pleaded guilty before the preliminary hearing and were sentenced in 2024. Christopher Pate was sentenced to four years and eight months in state prison, and Ryan Pate received a sentence of two years and eight months. JULY 27, 2026 | INSURANCE JOURNAL | W1
Monarch E&S is now SPG Wholesale | Specialty Program Group
My New Markets Small Business
Market Details: The Kinsale Small
Business Division concentrates on smaller risks with an emphasis on contractors and OL&T/premises-related exposures, offering brokers an alternative to traditional binding authority markets. Small risk is defined as having revenue under $2.5 million, apartments less than 200 units, area under 100,000 square feet, buildings less than 200,000 square feet, and vacant land less than 1,500 acres. A business that does not fit the small business casualty definition is sent the same day to the appropriate Kinsale underwriting division. Target Classes include contractors (general contractors & artisan trade contractors). Primary classes written include appliance installation, carpentry, concrete, demolition, drywall, electricians, excavation/grading of land, HVAC, metal erection, painting, plastering/EIFS/stucco, roofers, swimming pool installation. Many other classes considered. Premises Operations (OL&T) includes nearly 200 classes eligible. Primary classes written: apartments, condo owners associations, consultants, habitational, hotel/ motel, LRO, mobile home parks, office premises, parking, real estate development property, shopping centers, vacant buildings and land. Landlords & property managers with cannabis growers or dispensaries may require coverage for their cannabis exposures. Products are distributed through select surplus lines brokers. Available Limits: Not disclosed. Carrier: Not disclosed. States: All states and the District of Columbia. Contact: Small Business Division, sb@ kinsaleins.com, 804-289-1300
Project Completion Insurance (PCI) Market Details: SureBuild offers Project
Completion Insurance (PCI), a modern alternative to surety bonds for construction lending. Unlike bonds, PCI makes the lender the policy beneficiary and steps in if a borrower defaults, covering cost overruns and helping ensure the project is completed. With limits up to 100% of INSURANCEJOURNAL.COM
contract value and pricing as low as 40–60 basis points, SureBuild pairs its insurance with due diligence, monitoring, and funds control. Saint Vincent LLC is the managing general agent for SureBuild. SureBuild is written on AM Best rated A (Excellent) XV, Lloyd’s of London paper. Available Limits: Not disclosed. Carrier: AM Best rated A (Excellent) States: All states and the District of Columbia. Contact: Chelsy White, cwhite@saintvincentagency.com, 424-426-2061
Non-Emergency Medical Transportation (NEMT)
Market Details: Coverage offered by LEEO
Insurance includes non-emergency, scheduled ambulatory passenger transportation; wheelchair passenger transportation; stretcher operations (up to 20% of trip volume; underwriting approval required); assisted living, rehabilitation, and adult daycare transportation; facility-based transportation in eligible states; home healthcare nurses (no passenger transport); and adult Day Cares. NEMT declines EMS, EMT, 911, or emergency response operations; vehicles equipped with lights or sirens; hospital-owned or hospital-operated fleets; mobile medical units where care is provided in the vehicle; vehicles with a seating capacity over 15 passengers; mixed-use fleets with non-NEMT livery or general passenger transportation exposure; and on-demand transportation exposure greater than 20%. Available Limits: $50,000 minimum premium; $500,000 maximum premium Carrier: Not disclosed. States: Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Georgia, Illinois, Indiana, Iowa, Minnesota, Mississippi, Missouri, Nebraska, New Hampshire, New Jersey, New Mexico, Ohio, Oregon, Pennsylvania, South Carolina, South Dakota, Texas, Vermont, Virginia, West Virginia, Wisconsin and Wyoming. Contact: Brett Arnold, brett@leeoinsurance.com
Insurance Agent E&O
Market Details: Texas Insurance
Professionals Services (TIPS) provides errors & omissions (E&O), umbrella, and cyber coverage exclusively for independent insurance agents in Texas. Exclusive Utica National access. Through access to admitted markets, including exclusive availability with Utica National, specialists help agencies secure competitive professional liability and E&O protection designed specifically for insurance professionals. Program highlights include third-party cyber liability, employee-related liability, catastrophe coverage and flexible E&O program options. Available Limits: Not disclosed. Carrier: Admitted States: Texas Contact: Victoria Reece, vicki@errorsomissionstx.com, 866-577-7428
Non-Standard Auto
Market Details: Just Insure partners with
agents seeking competitive, flexible auto solutions for non-standard drivers. Offering fair, pay-per-mile and pricedper-day rates that help customers save by charging for usage without over-weighting on credit scores or broad demographic factors. Coverage options protect drivers from liability risks as well as damage to their vehicles, while telematics technology ensures accurate mileage and transparent pricing. Has pen. Available Limits: Not disclosed. Carrier: Admitted States: Arizona and Nevada Contact: Allegra Reber, allegra@just. insure
This section brought to you by Insurance Journal's sister website:
www.mynewmarkets.com
Need a Market? Find It. FAST JULY 27, 2026 | INSURANCE JOURNAL | 27
Special Report: Specialty Markets
Two for One: When Physics and Finance Intersect By Russ Banham
T
he line between traditional indemnity insurance and parametric solutions is fading. Although carriers have offered both for decades, operational silos kept them separate: indemnity relied on actuarial and loss-adjusting expertise, while parametrics required data science and capital market structuring. This divergence has long stifled unified risk management strategies. Now, that division is disappearing. Recognizing both the value and the
28 | INSURANCE JOURNAL | JULY 27, 2026
demand for a more cohesive response to catastrophic losses, non-admitted insurance carriers are integrating these distinct disciplines to provide a one-stop sourcing experience. This hybrid approach is gaining significant traction in sectors like energy, construction, and hospitality, where the ability to combine a traditional indemnity product with a parametric solution offers a more robust response to interdependent risks. “As parametric insurance becomes mainstream, brokers and carriers are increasingly comfortable offering a
combination of traditional products and alternative risk transfer solutions,” said Gian Semadeni, Parametric Solutions Lead at Gallagher Re. “When a company hits the payout limit on the standard policy, the parametric trigger acts as a customized safety net to cover additional costs.” In practice, this means a coastal resort severely damaged by a hurricane no longer has to wait months for a claims adjuster to assess the damage. While the traditional policy covers the long-term rebuild, a parametric trigger provides an immediate payout for business INSURANCEJOURNAL.COM
interruption the moment wind speeds hit a certain threshold. By consolidating these offerings, the excess and surplus lines (E&S) industry is transforming parametric solutions from a niche outlier into a strategic balance-sheet tool. “There’s an increasing understanding that clients want to see the ‘whole package’ and decide for themselves how to combine these risk transfer elements,” Semadeni said. By offering a unified placement, non-admitted insurers enable commercial buyers to insure physical structures and simultaneously fortify the revenue stream to maintain business continuity. This total coverage package responds to the “full economic reality” of a disaster, said Peter Caminiti, chief underwriting officer at Zurich U.S., which operates as both an admitted and surplus lines carrier. “We recognize there are events that don’t result in physical damage but still deeply impact the customer. Instead of changing our existing product, we decided to augment and supplement our traditional coverage to address the specific gaps,” he said, adding that the goal is integration rather than isolation. “We didn’t want to stand up a dedicated parametric unit looking for a problem; instead, we’ve embedded the capability into the service offering, distilling the solution through the same underwriter who already maintains the relationship,” he said. “Our approach is very pragmatic.” Unlike admitted insurers, surplus lines carriers can use bespoke endorsements to integrate parametric triggers directly into basic indemnity policies. This regulatory freedom allows them to rapidly create a customized solution that addresses traditionally uninsurable gaps, such
as high deductibles and non-damage business interruption. “Surplus lines are really where these products play,” said Semadeni. “It is the mid-to-large-cap corporates with sophisticated risk management teams that are optimizing their programs by adding in the parametric component.” This agility is particularly valuable in high-risk areas like Florida and California, where climate-driven disasters frequently leave businesses underinsured. In a September 2025 report, AM Best noted that these solutions align with the E&S market’s core mission of providing bespoke coverage for high-hazard risks. Matt Tuite, a director at the firm, pointed out that by bypassing the lengthy adjustment process, the parametric component provides immediate liquidity while the traditional claim is still being settled. “It offers a level of efficiency that significantly reduces operational costs for the insurer and potential claims disputes for the buyer,” Tuite said.
From Niche to Mainstream
While parametric insurance has been around for decades, it is only now reaching a critical mass of adoption among commercial buyers. “Ten years ago, this was primarily an agricultural or public sector play,” Semadeni noted. “Over the last decade, the buyer profile has shifted decisively into the commercial insurance space, with non-admitted markets devising these solutions to transfer risk more efficiently for the challenges insureds are facing today.” The roots of today’s parametric products extend back to the mid-1990s, when the global insurance industry was forced to innovate following the massive capital
‘When a company hits the payout limit on the standard policy, the parametric trigger acts as a customized safety net to cover additional costs.’ — Gian Semadeni, Gallagher Re
drain caused by Hurricane Andrew and the Northridge earthquake. During this period, the first sophisticated parametric structures emerged as catastrophe bonds, designed to transfer high-level risk directly to capital markets. These early instruments relied on measurable, objective triggers like specific wind speed or earthquake magnitude, enabling a transparent payout mechanism that bypassed the lengthy claims-adjustment process. For nearly two decades, such data-driven insurance solutions were considered a specialized tool, largely confined to government-backed disaster relief funds or large-scale energy companies hedging against weather-driven revenue hits. As data modeling matured, the initial skepticism regarding basis risk—the possibility that the payout might not perfectly match the actual financial loss—began to recede. The model proved resilient, gradually earning the trust of risk managers as a reliable supplement to traditional programs. This newfound confidence has propelled the industry into an aggressive growth phase. Global Market Insights valued the parametric market at $16.2 billion in 2024, projecting a surge to over $51.3 billion by 2034. As market demand intensifies, global carriers are repositioning these products as strategic corollaries to traditional indemnity rather than standalone alternatives. Swiss Re Corporate Solutions, for instance, offers turnkey risk transfer solutions where a pre-agreed parametric payout structure sits alongside traditional indemnity to cover costs that standard insurance historically ignores. Similarly, AXA XL markets parametric covers in all 50 states that enable businesses to mobilize liquidity while conventional claims undergo complex, time-consuming evaluations. Tiffany Kinne, head of U.S. business development at AXA Climate, a division of AXA, commented that while parametric solutions have been available for years, it reached a tipping point during the recent period of extreme market volatility. “The product really came to fruition in 2022 and
continued on page 30 INSURANCEJOURNAL.COM
JULY 27, 2026 | INSURANCE JOURNAL | 29
Special Report: Specialty Markets continued from page 29
2023 when the property market became exceptionally hard and some clients were facing 300% increases in their programs,” Kinne said, adding that the difficult environment created an opening to educate buyers and brokers on how index-based solutions differ fundamentally from traditional, loss-based ones. Construction is a prime example. While a traditional builder’s risk policy covers physical damage to the structure, it often leaves a gap for the immediate costs of delay. When wind speeds reach manufacturer-mandated safety limits, triggering crane shutdowns and forcing crews to demobilize, the parametric payout absorbs the resulting operational losses that fall outside the standard indemnity scope. “Once objective data [from independent weather stations] hits a predetermined threshold, the contract initiates an automatic settlement,” said Caminiti. “Many solutions even use a graduated parametric structure where payouts scale with the wind’s intensity, providing a defined infusion of capital exactly when needed.” Such immediate liquidity is equally transformative across other sectors. In renewable energy and agriculture, non-admitted carriers are pairing traditional insurance programs with wind and rainfall triggers to hedge against revenue shortfalls caused by low wind speeds or a prolonged drought. Companies are also adopting the hybrid model to address complex supply chain and seasonal retail inventory risks. In these programs, parametric triggers for port closures, cyber outages, or extreme heat are structured alongside traditional inland marine and liability coverages to protect bottom-line stability.
A New Talent Landscape Emerges
To deliver these integrated structures, carriers are embedding technical expertise directly into the underwriting process. Zurich North America, for instance, now teams up climate risk experts with underwriters in its Zurich Resilience Solutions unit. By leveraging proprietary data for site-level property risk assessments, such experts provide the granular insights necessary to build precision parametric products. This synergy has already produced specialized offerings, such as Zurich’s builder’s risk solution for data centers, which pairs traditional indemnity with a parametric weather trigger. Beyond providing new opportunities for brokers and buyers, the hybrid model is reshaping the industry’s talent landscape. By replacing static risk assessments with real-time modeling, the sector is attracting AI-enabled professionals from data science and climate engineering, leading to specialized roles at the intersection of environmental physics and finance. For example, parametric product designers and climate adaptation underwriters are structuring solutions for systemic risks like cloud outages alongside cyber catastrophe modelers and alternative risk transfer strategists. Insurance data scientists can leverage specialized AI to build the predictive models that drive automatic payouts. By applying high-level data science to complex triggers, the industry is now competing for the high-caliber analytical minds generally sought out by technology and finance firms. This evolution is a radical departure for an industry that Caminiti admitted has historically been a “tech laggard.” As recently as a decade ago, carriers
‘We didn’t want to stand up a dedicated parametric unit looking for a problem; instead, we’ve embedded the capability into the service offering, distilling the solution through the same underwriter who already maintains the relationship. Our approach is very pragmatic.’ — Peter Caminiti, Zurich U.S. 30 | INSURANCE JOURNAL | JULY 27, 2026
relied on manual email submissions and paper-heavy processes that created a tremendous administrative burden. The manual extraction of data was a significant bottleneck for an underwriter quoting a complex, dual-structured placement. As the industry implements agentic and autonomous AI, that friction is evaporating, allowing underwriters to focus on more strategic, comprehensive, and unified solutions for client needs. “AI is finally stripping away the complexity that historically made these transactions so difficult to execute,” Caminiti said. “By automating the extraction and organization of data, AI allows our people to move away from administrative heavy-lifting and focus on the knowledge work required to structure these sophisticated hedges. This technological leap ensures that the one-stop shop for parametric and indemnity products is both scalable and efficient.”
The Path to Integration
Despite the clear advantages of the hybrid model, several operational obstacles remain before an integrated approach can be fully realized. One of the primary hurdles is the technical integration of real-time feeds from independent data providers or weather stations into legacy core systems. Traditional claims platforms designed for manual entry and human adjustment are often ill-equipped to handle the automated, binary nature of parametric payouts without significant software overhauls. This mismatch creates a data-latency risk, where delays between the trigger event and the system’s ability to process the payment can undermine the core value proposition of providing immediate liquidity. Insurers also must continue to navigate the complexities of basis risk—the potential for a payout to differ from the actual financial loss incurred. Minimizing this gap requires sophisticated modeling to ensure that triggers, such as specific wind speeds at precise GPS coordinates, accurately reflect the property’s risk profile. As the market evolves, Semadeni said data will be the differentiator: “We are INSURANCEJOURNAL.COM
watching how we can experiment with new data sources, like satellite imagery, to improve the parametric value proposition.” Beyond data, carriers also face the challenge of distinguishing parametric components from derivatives or swaps to avoid falling under the jurisdiction of different financial regulators.
As market demand intensifies, global carriers are repositioning these products as strategic corollaries to traditional indemnity rather than standalone alternatives. Finally, there is the human element. The industry must transition its workforce from traditional damage assessment to a data-centric approach, training brokers and adjusters to manage customer expecta-
INSURANCEJOURNAL.COM
tions in an environment where automated and adjusted payments now coexist. Solving these operational obstacles will be the defining task for the non-admitted market over the next five years, Semadeni observed. “The market is entering its first true soft cycle since parametrics went mainstream,” he explained. “It will be an interesting test of the staying power of parametrics as property-cat rates begin to drop.” As the industry moves beyond the early adoption of these integrated products, the carriers that gain a competitive advantage will be those that bridge the gap between sophisticated data science and legacy insurance infrastructure. By refining the accuracy of parametric triggers and automating the back-end processing of payouts, insurers will truly deliver on the full promise of the hybrid model. Ultimately, this transition will move parametric solutions from a specialized
catastrophe instrument into a standard feature of commercial resilience, ensuring that businesses are no longer just insured against damage but are structurally fortified against financial volatility. Semadeni believes this transformation is already changing the conversation between brokers and their clients. “As parametrics become more mainstream, brokers are increasingly comfortable offering these alternative risk transfer options as part of a total solution for the client. There’s a much stronger awareness now that we have to approach the client with a variety of propositions and not just the standard product,” he said. Banham, a Pulitzer-nominated journalist and best-selling author, is a longtime contributor to Carrier Management and Insurance Journal.
JULY 27, 2026 | INSURANCE JOURNAL | 31
W
elcome to Insurance Journal’s 2026 Specialty Markets Directory, Summer Edition. This exclusive biannual market directory has been designed to assist independent agents and brokers in the task of placing difficult or unusual risks. For ease-of-use, the directory utilizes a convenient “color-coded legend” to highlight the availability of markets by IJ’s five geographic regions — East, Midwest, Southeast, South Central and West. The corresponding states for each region are listed below. Inside the directory and underneath each market listing, five distinct colors represent IJ’s five regions. Those colors (Dark Blue ■ East, Light Blue ■ Midwest, Green ■ Southeast, Orange ■ South Central, and Red ■ West) indicate whether or not the market is available in your area of the country. The “color-coded legend” has been placed at the top of every directory page for easy reference. All market listings have been updated with the most current
information available provided directly by intermediaries and carriers. As always, the directory lists the markets categorically by broad coverage groups. Italicized company names represent companies offering binding authority. To find complete contact information for all companies listed in this directory, see page 51. IJ’s 2026 Specialty Markets Directory, Winter Edition can also be found on our Web site at: www.insurancejournal.com/directories. To submit a listing, visit the online directory, or e-mail Kristine Honey at: khoney@insurancejournal.com. We hope you find this directory to be a valuable resource when trying to insure hard-to-place accounts. Feel free to send us comments and suggestions, or for additional help using this directory, e-mail: editorial@insurancejournal.com.
East
Midwest
Southeast
South Central
West
Connecticut Delaware Maine Maryland Massachusetts New Hampshire New Jersey New York Pennsylvania Rhode Island Vermont Virginia Washington DC
Illinois Indiana Iowa Kansas Michigan Minnesota Missouri Nebraska North Dakota Ohio South Dakota Wisconsin
Alabama Florida Georgia Kentucky Mississippi North Carolina South Carolina Tennessee West Virginia
Arkansas Louisiana Oklahoma Texas
Alaska Arizona California Colorado Hawaii Idaho Montana Nevada New Mexico Oregon Utah Washington Wyoming
32 | INSURANCE JOURNAL | JULY 27, 2026
www.insurancejournal.com
Legend: East ■ Midwest ■ Midwest ■ Texas/South Legend: ■■East ■ Southeast ■■Southeast Texas/South Central ■ West ■Central Not Available
Abuse/Molestation Legal Expense Abuse/Molestation Legal Expense ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Innovation Growth Partners Specialty (IGP Specialty) Irwin Siegel Agency McLeckie Insurance Group Negley Associates Synergy Professional Associates Inc.
Accident & Sickness/AD&D Excess Disability ■■ ■ ■ ■
Sports & Wellness Insurance
Occupational Accident (Primary XS Indemnity)
■ West
Product Distributors ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Art Gallery/Museum/Art Show ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Occupational Accident Insurance
■■ ■ ■ ■ ■■ ■ ■ ■
Comp Solutions Network Inc. True Transport Insure
Professional Athlete Disability ■■ ■ ■ ■
Exceptional Risk Advisors LLC
Gateway Specialty Insurance InsuranceHelper.com
Nonprofits Insurance Alliance SPG Wholesale
Coin & Stamp Dealers ■■ ■ ■ ■
■■ ■ ■ ■ ■■ ■ ■ ■
CIS Insurance Services - The Cannabis Insurance Co. Innovation Growth Partners Specialty LLC (IGP Specialty) Legacy Employer Concepts LLC Maverick Commercial Insurance Services
Arts & Antiques
Comp Solutions Network Inc. True Transport Insure
■■ ■ ■ ■ ■■ ■ ■ ■
■ Not Available
SPG Wholesale
Collectibles: Dolls, Toys, Figurines Smart Choice Express Markets SPG Wholesale
Fine Arts Floaters (High Value) ■■ ■ ■ ■ ■■ ■ ■ ■
Gorst & Compass Insurance SPG Wholesale
Musical Instrument Floaters
Race Car Drivers (AD&D)
Auto - Commercial
Special Risks Accident
Ambulances
Student Accident ■■ ■ ■ ■ Amwins - 155+ Locations Worldwide
Auto Body & Paint Shops
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
■■ ■ ■ ■
Exceptional Risk Advisors LLC
Innovation Growth Partners Specialty (IGP Specialty) Lefebvre Insurance LLC Lefebvre Insurance LLC
Surplus Occ. Accident w/ Employers Legal ■■ ■ ■ ■
Comp Solutions Network Inc.
Travel Medical ■■ ■ ■ ■
TME Travel Insurance
Youth Sports Programs ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Innovation Growth Partners Specialty (IGP Specialty) InsuranceHelper.com Lefebvre Insurance LLC
Sports & Wellness Insurance Sportunderwriters.com
Agri-Business Equipment Dealers ■■ ■ ■ ■ ■■ ■ ■ ■
Philadelphia Insurance Companies Virtue Risk Partners LLC
Farm Stores ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Feed Mills ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Agricultural Insurance Mgmt Services
Innovation Growth Partners Specialty LLC (IGP Specialty) Philadelphia Insurance Companies Virtue Risk Partners LLC
Innovation Growth Partners Specialty LLC (IGP Specialty) Philadelphia Insurance Companies RT Specialty Virtue Risk Partners LLC
Innovation Growth Partners Specialty LLC (IGP Specialty) Philadelphia Insurance Companies Virtue Risk Partners LLC
Fruit Packaging/Processing ■■ ■ ■ ■ ■■ ■ ■ ■
Innovation Growth Partners Specialty LLC (IGP Specialty) Philadelphia Insurance Companies
Grain Elevators ■■ ■ ■ ■ ■■ ■ ■ ■
Innovation Growth Partners Specialty LLC (IGP Specialty) Philadelphia Insurance Companies
Grain Operators ■■ ■ ■ ■ ■■ ■ ■ ■
Innovation Growth Partners Specialty LLC (IGP Specialty) Philadelphia Insurance Companies
Greenhouses ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Agricultural Insurance Mgmt Services Cannasure Insurance Services
CIS Insurance Services - The Cannabis Insurance Co. Innovation Growth Partners Specialty LLC (IGP Specialty)
Product Contamination/Recall ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
SPG Wholesale
National Indemnity Company Pacific Gateway Insurance Agency DMI Insurance Services Shelly, Middlebrooks & O’Leary Inc.
Auto Parts Stores ■■ ■ ■ ■
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Auto Repair Shops ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Amwins - 155+ Locations Worldwide bolt DeCotis Specialty Insurance
DMI Insurance Services Gorst & Compass Insurance McLeckie Insurance Group Shelly, Middlebrooks & O’Leary Inc. South & Western General Agency Inc. Walter General Agency (WGA)
Auto Repossessors Liability ■■ ■ ■ ■
Prime Insurance Company
Auto Transporters ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Apollo General Ins. Agency Inc. Gorst & Compass Insurance Guardian Insurance Wholesalers Inc.
Pacific Gateway Insurance Agency Shelly, Middlebrooks & O’Leary Inc.
Truckers Insurance Associates
Auto/Truck Rental Agencies
Fertilizer Distributors ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
■■ ■ ■ ■
Cooper & McCloskey Inc. Innovation Growth Partners Specialty LLC (IGP Specialty) Kinsale Insurance Company
■■ ■ ■ ■
Pacific Gateway Insurance Agency
Automatic Car Wash Services ■■ ■ ■ ■
USASIA Insurance Services
Buses, Including Chartered Vehicles ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Cargo
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
5Star Specialty Programs National Indemnity Company Pacific Gateway Insurance Agency
Prime Insurance Company
5Star Specialty Programs Guardian Insurance Wholesalers Inc.
Kinsale Insurance Company
MAXIMUM McLeckie Insurance Group National Indemnity Company Pacific Gateway Insurance Agency River Valley Underwriters Inc. Shelly, Middlebrooks & O’Leary Inc.
The Hartford
Transportation Risk Underwriters
Truckers Insurance Associates Walter General Agency (WGA)
Western Surplus Lines Agency Inc.
Commercial Auto Liab. (Misc./Special Purpose) ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
IAT Insurance Group Pacific Gateway Insurance Agency Sun Coast General Insurance Agency
Transportation Risk Underwriters
Commercial Auto Liability & Physical Damage
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
5Star Specialty Programs Apollo General Ins. Agency Inc.
Ascendant Insurance Solutions Bass Underwriters
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Bristol West Insurance Group Continental Underwriters Jencap - Locations Nationwide
MAXIMUM McLeckie Insurance Group MiniCo Insurance Agency, a Jencap Company National Indemnity Company Norman-Spencer Agency LLC Pacific Gateway Insurance Agency
RPS
Shelly, Middlebrooks & O’Leary Inc. South & Western General Agency Inc.
Sports & Wellness Insurance Truckers Insurance Associates
Western Surplus Lines Agency Inc. World Wide Specialty, a Div of Philadelphia Ins. Co’s
Commercial Auto Liability (only) ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Guardian Insurance Wholesalers Inc. Jencap - Locations Nationwide National Indemnity Company
Prime Insurance Company
River Valley Underwriters Inc.
RT Specialty
Commercial Auto Physical Damage (only)
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Canon Insurance Service DeCotis Specialty Insurance FTP Inc. Guardian Insurance Wholesalers Inc. International Transportation & Marine Agency Inc.
Jencap - Locations Nationwide
National Indemnity Company River Valley Underwriters Inc. Shelly, Middlebrooks & O’Leary Inc.
Walter General Agency (WGA)
Contingent Auto ■■ ■ ■ ■
Transportation Risk Underwriters
Contingent Cargo ■■ ■ ■ ■
Transportation Risk Underwriters
Contractors Vehicles, Trucks ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Apollo General Ins. Agency Inc.
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Bristol West Insurance Group Gorst & Compass Insurance
National Indemnity Company Pacific Gateway Insurance Agency
UFG Specialty
Courtesy Shuttles ■■ ■ ■ ■ Bristol West Insurance Group ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Gorst & Compass Insurance
Pacific Gateway Insurance Agency
Prime Insurance Company
Driving Schools ■■ ■ ■ ■ ■■ ■ ■ ■
Gorst & Compass Insurance Pacific Gateway Insurance Agency
Dump Trucks ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Gorst & Compass Insurance
National Indemnity Company Norman-Spencer Agency LLC Pacific Gateway Insurance Agency Shelly, Middlebrooks & O’Leary Inc. Sun Coast General Insurance Agency
Truckers Insurance Associates
Food Delivery Vehicles ■■ ■ ■ ■ Bristol West Insurance Group ■■ ■ ■ ■ ■■ ■ ■ ■
Gorst & Compass Insurance
Pacific Gateway Insurance Agency
Freight Broker / Forwarder ■■ ■ ■ ■
Transportation Risk Underwriters
Garage Liability ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
DMI Insurance Services Jencap - Locations Nationwide
Johnson & Johnson
Kinsale Insurance Company
Maverick Commercial Insurance Services McLeckie Insurance Group National Indemnity Company
RPS
Shelly, Middlebrooks & O’Leary Inc. USASIA Insurance Services Walter General Agency (WGA)
Virtue Risk Partners LLC
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JULY 27, 2026 | INSURANCE JOURNAL | 33
2026 Specialty Markets Directory, Summer Edition
Professional Athletes (AD&D)
(Italicized companies offer binding authority.) (Italicized companies offer binding authority.)
Legend: Legend:
East ■■ East
Midwest ■■ Midwest
Southeast ■■ Southeast
Texas/South Central Central ■■ Texas/South
Garbage Trucks ■■ ■ ■ ■
UFG Specialty
Gasoline/Diesel Fuel Haulers ■■ ■ ■ ■ ■■ ■ ■ ■
National Indemnity Company Pacific Gateway Insurance Agency
Hired and Non-Owned Auto Liability - Monoline ■■ ■ ■ ■ Bristol West Insurance Group ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
James River Insurance Company Maverick Commercial Insurance Services Sports & Wellness Insurance
Limousines ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
5Star Specialty Programs Gorst & Compass Insurance National Indemnity Company Pacific Gateway Insurance Agency South & Western General Agency Inc.
Mobilehome Transporters ■■ ■ ■ ■ ■■ ■ ■ ■
Innovation Growth Partners Specialty LLC (IGP Specialty) Pacific Gateway Insurance Agency
Motorhome/RV Dealers ■■ ■ ■ ■ ■■ ■ ■ ■
DMI Insurance Services McLeckie Insurance Group
Non Emergency Medical Transportation (NEMT) ■■ ■ ■ ■
FTP Inc.
Non-Trucking Liability
2026 Specialty Markets Directory, Summer Edition
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Guardian Insurance Wholesalers Inc. International Transportation & Marine Agency Inc.
Truckers Insurance Associates True Transport Insure
UFG Specialty
Public Auto ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
5Star Specialty Programs
Gorst & Compass Insurance
National Indemnity Company Pacific Gateway Insurance Agency Shelly, Middlebrooks & O’Leary Inc.
Public Transportation ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
5Star Specialty Programs National Indemnity Company Pacific Gateway Insurance Agency
Sand & Gravel Haulers ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Taxi Cabs ■■ ■ ■ ■
Air Cargo
New England Excess Exchange
Aircraft Products Liability
River Valley Underwriters Inc. Smart Choice Express Markets Truckers Insurance Associates
Airplanes--Business/Corporate
National Indemnity Company
Norman-Spencer Agency LLC Pacific Gateway Insurance Agency
5Star Specialty Programs
Amwins - 155+ Locations Worldwide Ascendant Insurance Solutions Gorst & Compass Insurance Guardian Insurance Wholesalers Inc.
Jencap - Locations Nationwide National Indemnity Company Pacific Gateway Insurance Agency
Prime Insurance Company
■■ ■ ■ ■
LIG Marine Managers RT Specialty LIG Marine Managers
Airport Owners/Operators Liability ■■ ■ ■ ■
LIG Marine Managers
Aviation (General) ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Amwins - 155+ Locations Worldwide bolt
Kinsale Insurance Company
MacAfee & Edwards Inc. - MxRisk Insurance Services
Maverick Commercial Insurance Services
Hangar Keepers Liability
South & Western General Agency Inc.
Helicopters
Smart Choice Express Markets Southwest Risk Truckers Insurance Associates 5Star Specialty Programs
Amwins - 155+ Locations Worldwide Gorst & Compass Insurance Guardian Insurance Wholesalers Inc.
National Indemnity Company Pacific Gateway Insurance Agency
Prime Insurance Company Smart Choice Express Markets Truckers Insurance Associates
Auto - Personal All Terrain Vehicles ■■ ■ ■ ■ Foremost Insurance Group ■■ ■ ■ ■ ■■ ■ ■ ■
■■ ■ ■ ■ ■■ ■ ■ ■
International Transportation & Marine Agency Inc.
RT Specialty Shelly, Middlebrooks & O’Leary Inc.
Trucks--Short Haul ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
■■ ■ ■ ■
Markel Personal Lines Mexico Insurance Online
Antique & Classic Auto bolt
■■ ■ ■ ■ ■■ ■ ■ ■
LIG Marine Managers LIG Marine Managers
Hot Air Balloons ■■ ■ ■ ■
RPS
Unmanned Aerial Vehicles / Drones ■■ ■ ■ ■
Kinsale Insurance Company
Bonds Bankers Blanket Bond High Limits ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Innovation Growth Partners Specialty LLC (IGP Specialty) J.B. Lloyd & Associates, A Member Company of US Risk Wilkoff Bonds
Bankers Special Bond ■■ ■ ■ ■ ■■ ■ ■ ■
J.B. Lloyd & Associates, A Member Company of US Risk Wilkoff Bonds
Commercial Crime Bond ■■ ■ ■ ■ ■■ ■ ■ ■
Apollo General Ins. Agency Inc. Goldleaf Surety Services LLC
Sun Coast General Insurance Agency Truckers Insurance Associates
Mobilehome - Liability & Physical Damage Motorcycle - Liability & Physical Damage
Customs Bonds
Pacific Gateway Insurance Agency
Prime Insurance Company School Bus Insurance Solutions (SBIS)
Shelly, Middlebrooks & O’Leary Inc. National Indemnity Company
bolt Gorst & Compass Insurance Gorst & Compass Insurance
Maverick Commercial Insurance Services
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Foremost Insurance Group
Smart Choice Express Markets Foremost Insurance Group Foremost Insurance Group
Markel Personal Lines Mexico Insurance Online
Motorcycles & Motor Scooters ■■ ■ ■ ■ Foremost Insurance Group ■■ ■ ■ ■ ■■ ■ ■ ■
Mexico Insurance Online
South & Western General Agency Inc.
Motorhome - Liability & Physical Damage ■■ ■ ■ ■ ■■ ■ ■ ■
Foremost Insurance Group
Mexico Insurance Online
Motorhomes/RVs bolt
New England Excess Exchange
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
RPS Smart Choice Express Markets
Nonstandard Personal Auto Liability & Phys Dmg ■■ ■ ■ ■ Bristol West Insurance Group
National Indemnity Company
Pacific Gateway Insurance Agency Sun Coast General Insurance Agency
Truckers General Liability ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Guardian Insurance Wholesalers Inc. Jencap - Locations Nationwide Johnson & Johnson
Trucks--Long Haul ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Aviation
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Shelly, Middlebrooks & O’Leary Inc.
Tow Trucks ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
5Star Specialty Programs
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Tire Dealers ■■ ■ ■ ■ ■■ ■ ■ ■
Trucks--Intermediate Haul ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
(Italicized companies companies offer offer binding binding authority.) authority.) (Italicized
Not Available Available ■■ Not
Gorst & Compass Insurance Johnson & Johnson
School Buses ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
West ■■ West
5Star Specialty Programs
Ascendant Insurance Solutions DeCotis Specialty Insurance Executive Insurance Professionals, PLLC Gorst & Compass Insurance
Guardian Insurance Wholesalers Inc. International Transportation & Marine Agency Inc.
Jencap - Locations Nationwide Kinsale Insurance Company New England Excess Exchange
Shelly, Middlebrooks & O’Leary Inc.
Smart Choice Express Markets
Southwest Risk Transportation Risk Underwriters
Truckers Insurance Associates
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Mexico Insurance Online Mexico Insurance Online
Risk Placement Services Sacramento Sun Coast General Insurance Agency
■■ ■ ■ ■
Apollo General Ins. Agency Inc. Goldleaf Surety Services LLC
Transportation Risk Underwriters Wilkoff Bonds
Goldleaf Surety Services LLC
Employee Benefit Plans Liability
■■ ■ ■ ■ ■■ ■ ■ ■
Apollo General Ins. Agency Inc.
World Wide Specialty, a Div of Philadelphia Ins. Co’s
Excess Fidelity Bonds ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
CID Insurance Programs Inc. Goldleaf Surety Services LLC J.B. Lloyd & Associates, A Member Company of US Risk
Financial Institution Bond ■■ ■ ■ ■
Goldleaf Surety Services LLC
Financial Guarantee Bonds ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Goldleaf Surety Services LLC J.B. Lloyd & Associates, A Member Company of US Risk Wilkoff Bonds
Performance & Payment Bonds ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Apollo General Ins. Agency Inc. Goldleaf Surety Services LLC
Transportation Risk Underwriters
Wilkoff Bonds
Nonstandard Personal Auto Liability (only) ■■ ■ ■ ■ Bristol West Insurance Group
Subdivision Bonds
RV - Liability & Physical Damage
Surety Bonds - Contractors
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Mexico Insurance Online bolt
Foremost Insurance Group
Mexico Insurance Online
Snowmobiles ■■ ■ ■ ■
Foremost Insurance Group
Travel Trailers & Campers ■■ ■ ■ ■ Foremost Insurance Group ■■ ■ ■ ■ ■■ ■ ■ ■
34 | INSURANCE JOURNAL | JULY 27, 2026
Foremost Insurance Group
Contractor License Bonds
Mexico Insurance Online RPS
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Goldleaf Surety Services LLC Apollo General Ins. Agency Inc. Goldleaf Surety Services LLC
Transportation Risk Underwriters
Wilkoff Bonds
Surety Bonds - Misc. and Special Risks ■■ ■ ■ ■ ■■ ■ ■ ■
Goldleaf Surety Services LLC
Transportation Risk Underwriters
Surety Bonds - Prof. Liability ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Goldleaf Surety Services LLC Innovation Growth Partners Specialty LLC (IGP Specialty) Wilkoff Bonds
www.insurancejournal.com
Legend:
■ East
■ Midwest
■ Southeast
■ Texas/South Central
Surety License Bonds ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Apollo General Ins. Agency Inc. Goldleaf Surety Services LLC River Valley Underwriters Inc. Wilkoff Bonds
Third Party Fidelity Coverage ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Brownyard Group
Goldleaf Surety Services LLC
World Wide Specialty, a Div of Philadelphia Ins. Co’s
Business Risks Active Shooter ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Innovation Growth Partners Specialty LLC (IGP Specialty) Jimcor Agencies
Professional Governmental Underwriters
Business Interruption ■■ ■ ■ ■
Berkley Luxury Group, a W.R. Berkley Company
Business Owners Policy ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Ascendant Insurance Solutions
Executive Insurance Professionals, PLLC GIC Underwriters Inc.
Innovation Growth Partners Specialty LLC (IGP Specialty) Normandy Insurance Prime Insurance Company Shield Commercial Insurance Services Victor Insurance Managers LLC
Care Custody/Control Liability (P.D.) ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Brownyard Group The Mechanic Group, Inc., A Division of SPG LLC World Wide Specialty, a Div of Philadelphia Ins. Co’s
■■ ■ ■ ■
M&A Insurance Solutions LLC
Corporate Fiduciary Liability ■■ ■ ■ ■ ■■ ■ ■ ■
Cyber Risk ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Synergy Professional Associates Inc. Wilkoff Bonds Apogee Insurance Group, a Berkshire Hathaway Company Bass Underwriters
Berkley Luxury Group, a W.R. Berkley Company Brooks Insurance Agency CID Insurance Programs Inc. Donald Gaddis Company Inc. Insurance Services Irwin Siegel Agency Jimcor Agencies
Kevin Davis Insurance Services
MiniCo Insurance Agency, a Jencap Company
ProWriters Quadrant Insurance Managers R.E. Chaix & Associates Insurance Brokers RPS
Transportation Risk Underwriters World Wide Specialty, a Div of Philadelphia Ins. Co’s
Employee Benefit Plans Liability ■■ ■ ■ ■ ■■ ■ ■ ■
Wilkoff Bonds
World Wide Specialty, a Div of Philadelphia Ins. Co’s
Employers Liability ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Berkley Luxury Group, a W.R. Berkley Company CID Insurance Programs Inc. Continental Underwriters
World Wide Specialty, a Div of Philadelphia Ins. Co’s
Extended, Product Warranty & Service Contracts ■■ ■ ■ ■ ■■ ■ ■ ■
JC Wilson Consulting Inc. RPS
Fiduciary Liability ■■ ■ ■ ■
Wilkoff Bonds
Identity Theft ■■ ■ ■ ■
World Wide Specialty, a Div of Philadelphia Ins. Co’s
In-Home Businesses ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Charity First Insurance Services Inc. Executive Insurance Professionals, PLLC
South & Western General Agency Inc.
IT Consultants Errors & Omissions ■■ ■ ■ ■ ■■ ■ ■ ■
Executive Insurance Professionals, PLLC Gateway Specialty Insurance
Kidnap, Ransom & Extortion ■■ ■ ■ ■
Exceptional Risk Advisors LLC
Legal Expense ■■ ■ ■ ■
M&A Insurance Solutions LLC
Limited Partnership Liability/Partnership ■■ ■ ■ ■
M&A Insurance Solutions LLC
www.insurancejournal.com
Mergers & Acquisitions ■■ ■ ■ ■
M&A Insurance Solutions LLC
Reps and Warranties ■■ ■ ■ ■ ■■ ■ ■ ■
M&A Insurance Solutions LLC Unitas Financial Services
Sexual Abuse Liability ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Care Providers Insurance Services
Innovation Growth Partners Specialty LLC (IGP Specialty) Irwin Siegel Agency
Nonprofits Insurance Alliance
Professional Program Ins. Brokerage, a Div of SPG
Quadrant Insurance Managers Sports & Wellness Insurance
Synergy Professional Associates Inc. World Wide Specialty, a Div of Philadelphia Ins. Co’s
Sexual Harassment Legal Expense ■■ ■ ■ ■
World Wide Specialty, a Div of Philadelphia Ins. Co’s
Specific Litigation ■■ ■ ■ ■
M&A Insurance Solutions LLC
Tax Insurance ■■ ■ ■ ■
M&A Insurance Solutions LLC
Transactional Risk ■■ ■ ■ ■ ■■ ■ ■ ■
M&A Insurance Solutions LLC Unitas Financial Services
Warranty Protection Coverage ■■ ■ ■ ■
M&A Insurance Solutions LLC
Contractors & Related Alarm Contractors ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
AMIS/Alliance Marketing & Insurance Services LLC Brownyard Group
Executive Insurance Professionals, PLLC GIC Underwriters Inc. Jencap - Locations Nationwide
May Specialty Underwriters Nationwide RPS
The Mechanic Group, Inc., A Division of SPG LLC
Architects & Engineers ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Amwins - 155+ Locations Worldwide Apogee Insurance Group, a Berkshire Hathaway Company Global Special Risks
Jencap - Locations Nationwide
Johnson & Johnson Kinsale Insurance Company Legacy Employer Concepts LLC RPS RT Specialty Specialty Wholesale Ins. Solution (SWIS), a Div of SPG Target Professional Programs
Artisan Contractor Program ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Apollo General Ins. Agency Inc. Hinterland Insurance IAT Insurance Group
Nationwide
REInsurePro
Shelly, Middlebrooks & O’Leary Inc. Shield Commercial Insurance Services
Southwest Risk
Artisan Contractors ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
(Italicized companies offer binding authority.)
■ Not Available
Amwins - 155+ Locations Worldwide Ascendant Insurance Solutions Bass Underwriters Brecht & Associates
CID Insurance Programs Inc.
Donald Gaddis Company Inc. Insurance Services Executive Insurance Professionals, PLLC FTP Inc. GIC Underwriters Inc. Gorst & Compass Insurance
Great American Risk Solutions Hull & Company
James River Insurance Company
Jencap - Locations Nationwide Jimcor Agencies
Johnson & Johnson Joseph Krar & Associates Inc. Legacy Employer Concepts LLC Maverick Commercial Insurance Services May Specialty Underwriters National Indemnity Company
Nationwide
NeitClem Wholesale Insurance Brokerage Inc.
New England Excess Exchange
Norman-Spencer Agency LLC
Normandy Insurance
Pacific Excess Insurance Marketing
Philadelphia Insurance Companies
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Prime Insurance Company
Quirk & Company REInsurePro Risk Placement Services Sacramento
River Valley Underwriters Inc. Roush Insurance Services Inc.
RT Specialty
Shield Commercial Insurance Services South & Western General Agency Inc.
Specialty Wholesale Ins. Solution (SWIS), a Div of SPG SPG Wholesale
Sun Coast General Insurance Agency
Vintage Underwriters Virtue Risk Partners LLC Walter General Agency (WGA) Western Surplus Lines Agency Inc. Wholesure XPT Specialty
Asbestos Abatement Contractors ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Freberg Environmental Inc.
James River Insurance Company
Jencap - Locations Nationwide Jencap Specialty Insurance Services (Environmental) Norman-Spencer Agency LLC
PartnerOne Environmental Philadelphia Insurance Companies SPG Environmental Virtue Risk Partners LLC
Builders Risk ■■ ■ ■ ■ Amwins - 155+ Locations Worldwide
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Ascendant Insurance Solutions Bass Underwriters
bolt
Canon Insurance Service CRC Tapco DeCotis Specialty Insurance
Executive Insurance Professionals, PLLC Innovation Growth Partners Specialty LLC (IGP Specialty) Insight Risk Technologies
Jencap - Locations Nationwide Jimcor Agencies
Johnson & Johnson Kinsale Insurance Company MAXIMUM Nationwide
NeitClem Wholesale Insurance Brokerage Inc.
New England Excess Exchange
PERse REInsurePro River Valley Underwriters Inc.
RPS RT Specialty Specialty Wholesale Ins. Solution (SWIS), a Div of SPG US Assure Vintage Underwriters Walter General Agency (WGA) XPT Specialty
Building Materials Dealers ■■ ■ ■ ■
Continental Underwriters
Cable Line Installers ■■ ■ ■ ■ ■■ ■ ■ ■
Jencap - Locations Nationwide
UFG Specialty
COC Program ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
NeitClem Wholesale Insurance Brokerage Inc. Southwest Risk SPG Wholesale US Assure USASIA Insurance Services
Concrete Mix-In-Transit ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Brecht & Associates National Indemnity Company Norman-Spencer Agency LLC Pacific Gateway Insurance Agency
UFG Specialty
Concrete Pumpers ■■ ■ ■ ■ ■■ ■ ■ ■
Norman-Spencer Agency LLC Shield Commercial Insurance Services
Construction Liability
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Apollo General Ins. Agency Inc.
CRC Tapco Hinterland Insurance Jencap - Locations Nationwide
Johnson & Johnson Kinsale Insurance Company NeitClem Wholesale Insurance Brokerage Inc. PartnerOne Environmental REInsurePro
RT Specialty
Shield Commercial Insurance Services
Smart Choice Express Markets Specialty Wholesale Ins. Solution (SWIS), a Div of SPG UFG Specialty
JULY 27, 2026 | INSURANCE JOURNAL | 35
2026 Specialty Markets Directory, Summer Edition
Contingent Liability
■ West
Legend: Legend:
■■ East East
■■ Midwest Midwest
■■ Southeast Southeast
■■ Texas/South Texas/South Central Central
Construction Managers ■■ ■ ■ ■ ■■ ■ ■ ■
May Specialty Underwriters Philadelphia Insurance Companies
Construction Wrap-Ups ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Amwins - 155+ Locations Worldwide Jencap - Locations Nationwide Specialty Wholesale Ins. Solution (SWIS), a Div of SPG SPG Environmental
Wrap Up Insurance Solutions
Contractors Design & Build Liability ■■ ■ ■ ■ ■■ ■ ■ ■
Admiral Insurance Group Eaton Professional Insurance Services
Contractors Equipment ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Admiral Insurance Group Ascendant Insurance Solutions bolt
Construction Insurance Services LLC
May Specialty Underwriters Nationwide
Norman-Spencer Agency LLC
Philadelphia Insurance Companies Quirk & Company River Valley Underwriters Inc.
RPS Smart Choice Express Markets
Western Surplus Lines Agency Inc.
Contractors Paper ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Donald Gaddis Company Inc. Insurance Services
Legacy Employer Concepts LLC REInsurePro
2026 Specialty Markets Directory, Summer Edition
Contractors Pollution Liability ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Jencap Specialty Insurance Services (Environmental)
PartnerOne Environmental
Philadelphia Insurance Companies
Quadrant Insurance Managers R.E. Chaix & Associates Insurance Brokers Roush Insurance Services Inc. RT Specialty Smart Choice Express Markets Specialty Wholesale Ins. Solution (SWIS), a Div of SPG SPG Environmental Virtue Risk Partners LLC
Fire Sprinkler Contractors ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
AMIS/Alliance Marketing & Insurance Services LLC Amwins - 155+ Locations Worldwide Great American Risk Solutions Jencap - Locations Nationwide Jencap Specialty Insurance Services (Environmental) RelMark Program Managers
Southwest Risk
Fire/Water Restoration ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
James River Insurance Company
Jencap - Locations Nationwide Jencap Specialty Insurance Services (Environmental)
Legacy Employer Concepts LLC PartnerOne Environmental
Fireworks Display Contractors Risk ■■ ■ ■ ■
Framers
James River Insurance Company Great American Risk Solutions Legacy Employer Concepts LLC
Shield Commercial Insurance Services
Admiral Insurance Group Amwins - 155+ Locations Worldwide
Nationwide
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Philadelphia Insurance Companies
General Contractors - Residential
Johnson & Johnson Kinsale Insurance Company Philadelphia Insurance Companies R.E. Chaix & Associates Insurance Brokers RT Specialty
Specialty Wholesale Ins. Solution (SWIS), a Div of SPG SPG Environmental Virtue Risk Partners LLC Western Surplus Lines Agency Inc. Apollo General Ins. Agency Inc. Construction Insurance Services LLC
Legacy Employer Concepts LLC Brecht & Associates CRC Tapco
James River Insurance Company NeitClem Wholesale Insurance Brokerage Inc.
R.E. Chaix & Associates Insurance Brokers REInsurePro River Valley Underwriters Inc. Shield Commercial Insurance Services
Southwest Risk
SPG Wholesale Wholesure XPT Specialty Apollo General Ins. Agency Inc.
James River Insurance Company
Jencap - Locations Nationwide Jencap Specialty Insurance Services (Environmental) Jimcor Agencies Norman-Spencer Agency LLC
Walter General Agency (WGA)
Great American Risk Solutions
Jencap - Locations Nationwide
Legacy Employer Concepts LLC PartnerOne Environmental Philadelphia Insurance Companies
REInsurePro Shield Commercial Insurance Services
Smart Choice Express Markets UFG Specialty
Environmental Contractors ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Norman-Spencer Agency LLC
Jencap - Locations Nationwide
Electricians ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Maverick Commercial Insurance Services
General Contractors - Commercial
James River Insurance Company
Demolition Contractors Liability ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Jimcor Agencies Joseph Krar & Associates Inc.
Freberg Environmental Inc.
Apollo General Ins. Agency Inc.
Custom Home Builders ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Access E&S Insurance Services Amwins - 155+ Locations Worldwide Apogee Insurance Group, a Berkshire Hathaway Company Global Special Risks
James River Insurance Company
Jencap - Locations Nationwide Jencap Specialty Insurance Services (Environmental)
36 | INSURANCE JOURNAL | JULY 27, 2026
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
(Italicized (Italicized companies companies offer offer binding binding authority.) authority.)
■■ Not Not Available Available
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Crane & Rigging Contractors ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
■■ West West
Bass Underwriters Brecht & Associates CRC Tapco
Executive Insurance Professionals, PLLC GIC Underwriters Inc. Gorst & Compass Insurance
James River Insurance Company Jencap - Locations Nationwide Jimcor Agencies
Legacy Employer Concepts LLC Maverick Commercial Insurance Services MAXIMUM May Specialty Underwriters Nationwide
NeitClem Wholesale Insurance Brokerage Inc. Norman-Spencer Agency LLC
PartnerOne Environmental Philadelphia Insurance Companies Quadrant Insurance Managers REInsurePro River Valley Underwriters Inc. Roush Insurance Services Inc.
RPS
Shield Commercial Insurance Services
Hospitality ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
CRC Tapco IAT Insurance Group
Innovation Growth Partners Specialty LLC (IGP Specialty) James River Insurance Company Legacy Employer Concepts LLC Specialty Wholesale Ins. Solution (SWIS), a Div of SPG
House Moving Contractors ■■ ■ ■ ■
Janitorial
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Apollo General Ins. Agency Inc. bolt CRC Tapco Gorst & Compass Insurance
New England Excess Exchange
Risk Placement Services Sacramento Shield Commercial Insurance Services SPG Wholesale USASIA Insurance Services
Land Surveyors ■■ ■ ■ ■
Global Special Risks
Landscaping ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
bolt
Brownyard Group
Gorst & Compass Insurance IAT Insurance Group
Legacy Employer Concepts LLC May Specialty Underwriters Nationwide New England Excess Exchange
Philadelphia Insurance Companies
Shield Commercial Insurance Services USASIA Insurance Services Vintage Underwriters Virtue Risk Partners LLC
Lead Abatement Contractors ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Apollo General Ins. Agency Inc. Freberg Environmental Inc.
James River Insurance Company
Jencap - Locations Nationwide Jencap Specialty Insurance Services (Environmental)
PartnerOne Environmental Philadelphia Insurance Companies SPG Environmental
Marine Contractors ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Bass Underwriters Global Special Risks
JSM Brokerage Insurance and Risk Management Legacy Employer Concepts LLC
Outside Contractors All ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Plumbers ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
May Specialty Underwriters
Shield Commercial Insurance Services Vintage Underwriters
REInsurePro Shield Commercial Insurance Services
UFG Specialty
Property--Real, Personal & Business Income CRC Tapco REInsurePro
Southwest Risk Specialty Wholesale Ins. Solution (SWIS), a Div of SPG
■■ ■ ■ ■ ■■ ■ ■ ■
SPG Wholesale UFG Specialty
Remodeling Contractors
SPG Environmental
US Assure Victor Insurance Managers LLC Vintage Underwriters Walter General Agency (WGA) Wholesure XPT Specialty CRC Tapco GIC Underwriters Inc. Gorst & Compass Insurance
James River Insurance Company
Jencap - Locations Nationwide Jimcor Agencies
Maverick Commercial Insurance Services May Specialty Underwriters NeitClem Wholesale Insurance Brokerage Inc. Norman-Spencer Agency LLC Quirk & Company REInsurePro Risk Placement Services Sacramento River Valley Underwriters Inc. Shield Commercial Insurance Services
Southwest Risk Specialty Wholesale Ins. Solution (SWIS), a Div of SPG Victor Insurance Managers LLC Walter General Agency (WGA) Wholesure XPT Specialty
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Roofers ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Bass Underwriters Brecht & Associates DeCotis Specialty Insurance
Great American Risk Solutions Hinterland Insurance IAT Insurance Group
James River Insurance Company Legacy Employer Concepts LLC Nationwide NeitClem Wholesale Insurance Brokerage Inc. REInsurePro Risk Placement Services Sacramento Roush Insurance Services Inc. Shield Commercial Insurance Services Walter General Agency (WGA)
Admiral Insurance Group Amwins - 155+ Locations Worldwide Bass Underwriters
Brecht & Associates Great American Risk Solutions James River Insurance Company Jimcor Agencies
Legacy Employer Concepts LLC May Specialty Underwriters NeitClem Wholesale Insurance Brokerage Inc. New England Excess Exchange Norman-Spencer Agency LLC
Norman-Spencer International Inc.
www.insurancejournal.com
Legend:
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
■ East
■ Midwest
■ Southeast
■ Texas/South Central
PartnerOne Environmental
Philadelphia Insurance Companies Prime Insurance Company REInsurePro
Shield Commercial Insurance Services
Smart Choice Express Markets Southwest Risk Specialty Wholesale Ins. Solution (SWIS), a Div of SPG Vintage Underwriters Walter General Agency (WGA) Wholesure
Scaffolding Risks ■■ ■ ■ ■ ■■ ■ ■ ■
Construction Insurance Services LLC
R.E. Chaix & Associates Insurance Brokers
Social Service ■■ ■ ■ ■ ■■ ■ ■ ■
Irwin Siegel Agency
Kinsale Insurance Company
Swimming Pool Contractors ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
James River Insurance Company Jencap - Locations Nationwide Risk Placement Services Sacramento
Shield Commercial Insurance Services
Toxic Mold Liability ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Jencap - Locations Nationwide Jencap Specialty Insurance Services (Environmental)
■ West
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Cooper & McCloskey Inc. Donald Gaddis Company Inc. Insurance Services Eaton Professional Insurance Services Hudson Insurance Group / Hudson Pro (TM) Hull & Company Innovation Growth Partners Specialty LLC (IGP Specialty) Irwin Siegel Agency Jencap - Locations Nationwide Jimcor Agencies
Johnson & Johnson Joseph Krar & Associates Inc.
Kinsale Insurance Company
MAXIMUM NeitClem Wholesale Insurance Brokerage Inc. Normandy Insurance Professional Insurance Concepts ProWriters Quadrant Insurance Managers R.E. Chaix & Associates Insurance Brokers Roush Insurance Services Inc. RT Specialty
South & Western General Agency Inc.
Starwind Community Associations The McGowan Companies World Wide Specialty, a Div of Philadelphia Ins. Co’s
Employer`s Professional Liability 5Star Specialty Programs
Associations
ESOP Companies
SPG Environmental
Utility Industry ■■ ■ ■ ■
Norman-Spencer Agency LLC
X.C.U. (Contractors) Liability ■■ ■ ■ ■
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Western Surplus Lines Agency Inc.
Berkley Select | a Berkley Company Charity First Insurance Services Inc. Distinguished Programs
Gateway Specialty Insurance Innovation Growth Partners Specialty LLC (IGP Specialty) Irwin Siegel Agency Kevin Davis Insurance Services Maverick Commercial Insurance Services Nonprofits Insurance Alliance Professional Insurance Concepts Starwind Community Associations
Boards of Education ■■ ■ ■ ■
Allsouth Professional Liability
Chambers of Commerce ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Berkley Select | a Berkley Company Charity First Insurance Services Inc. Gateway Specialty Insurance Irwin Siegel Agency
Condominiums ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Bass Underwriters Distinguished Programs
Innovation Growth Partners Specialty LLC (IGP Specialty) Johnson & Johnson Kevin Davis Insurance Services Pacific Excess Insurance Marketing Specialty Wholesale Ins. Solution (SWIS), a Div of SPG Starwind Community Associations The McGowan Companies
Country Clubs ■■ ■ ■ ■
Crime
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Starwind Community Associations
AMIS/Alliance Marketing & Insurance Services LLC Berkley Select | a Berkley Company Brooks Insurance Agency Distinguished Programs
Starwind Community Associations
Professional Insurance Concepts
Fiduciary Liability ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
5Star Specialty Programs
Brooks Insurance Agency Hudson Insurance Group / Hudson Pro (TM) Innovation Growth Partners Specialty LLC (IGP Specialty) Jencap - Locations Nationwide Professional Insurance Concepts Quadrant Insurance Managers Wilkoff Bonds
World Wide Specialty, a Div of Philadelphia Ins. Co’s
Financial Institutions ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
5Star Specialty Programs
Brooks Insurance Agency Cooper & McCloskey Inc. Hudson Insurance Group / Hudson Pro (TM) Innovation Growth Partners Specialty LLC (IGP Specialty)
Jencap - Locations Nationwide
M&A Insurance Solutions LLC Professional Insurance Concepts ProWriters RT Specialty Specialty Wholesale Ins. Solution (SWIS), a Div of SPG
Homeowners Associations ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Bass Underwriters
Charity First Insurance Services Inc. CID Insurance Programs Inc. Distinguished Programs
Eaton Professional Insurance Services Executive Insurance Professionals, PLLC Gateway Specialty Insurance Innovation Growth Partners Specialty LLC (IGP Specialty) Kevin Davis Insurance Services Professional Insurance Concepts Starwind Community Associations
Kidnap/Ransom
Hudson Insurance Group / Hudson Pro (TM) Innovation Growth Partners Specialty LLC (IGP Specialty) Kevin Davis Insurance Services Professional Insurance Concepts
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Wilkoff Bonds
Nonprofit Organizations
Starwind Community Associations
D&O (General) ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
■■ ■ ■ ■
AMIS/Alliance Marketing & Insurance Services LLC Brooks Insurance Agency Charity First Insurance Services Inc. Hudson Insurance Group / Hudson Pro (TM) Innovation Growth Partners Specialty LLC (IGP Specialty) Jencap - Locations Nationwide Kinsale Insurance Company Normandy Insurance Professional Insurance Concepts ProWriters RT Specialty South & Western General Agency Inc.
5Star Specialty Programs
Access E&S Insurance Services Allsouth Professional Liability AMIS/Alliance Marketing & Insurance Services LLC Amwins - 155+ Locations Worldwide Apogee Insurance Group, a Berkshire Hathaway Company Berkley Select | a Berkley Company Brooks Insurance Agency Charity First Insurance Services Inc.
www.insurancejournal.com
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Cooper & McCloskey Inc.
Exceptional Risk Advisors LLC
Innovation Growth Partners Specialty LLC (IGP Specialty) Professional Insurance Concepts Allsouth Professional Liability AMIS/Alliance Marketing & Insurance Services LLC Apogee Insurance Group, a Berkshire Hathaway Company Berkley Select | a Berkley Company Brooks Insurance Agency Charity First Insurance Services Inc. Cooper & McCloskey Inc. Donald Gaddis Company Inc. Insurance Services Gateway Specialty Insurance Hudson Insurance Group / Hudson Pro (TM) Innovation Growth Partners Specialty LLC (IGP Specialty)
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Irwin Siegel Agency
Jencap - Locations Nationwide Maverick Commercial Insurance Services Negley Associates
New England Excess Exchange Nonprofits Insurance Alliance Professional Insurance Concepts Quadrant Insurance Managers R.E. Chaix & Associates Insurance Brokers RT Specialty Smart Choice Express Markets SPG Wholesale
Private Company ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Access E&S Insurance Services Apogee Insurance Group, a Berkshire Hathaway Company Berkley Select | a Berkley Company Cooper & McCloskey Inc. Innovation Growth Partners Specialty LLC (IGP Specialty) Jencap - Locations Nationwide Professional Insurance Concepts Quadrant Insurance Managers
Public Officials ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Allsouth Professional Liability Apex
Innovation Growth Partners Specialty LLC (IGP Specialty) Jencap - Locations Nationwide Professional Governmental Underwriters
Venture Capitalists ■■ ■ ■ ■
Cooper & McCloskey Inc.
Youth Sport Leagues ■■ ■ ■ ■
Charity First Insurance Services Inc.
Earthquake & Related Earthquake & Land Failure ■■ ■ ■ ■ ■■ ■ ■ ■
Innovation Growth Partners Specialty LLC (IGP Specialty) Smart Choice Express Markets
Earthquake--Commercial ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Amwins - 155+ Locations Worldwide Canon Insurance Service CRC Tapco Hinterland Insurance
Innovation Growth Partners Specialty LLC (IGP Specialty)
James River Insurance Company Johnson & Johnson Pacific Excess Insurance Marketing Poulton Associates
R.E. Chaix & Associates Insurance Brokers RT Specialty
Smart Choice Express Markets SPG Wholesale US Assure
XPT Specialty
Earthquake--Residential ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Amwins - 155+ Locations Worldwide Canon Insurance Service CRC Tapco
Innovation Growth Partners Specialty LLC (IGP Specialty) Johnson & Johnson Poulton Associates REInsurePro RT Specialty
Smart Choice Express Markets SPG Wholesale US Assure
Earthquake/DIC
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Access One80 Bass Underwriters
Gorst & Compass Insurance Hinterland Insurance
Innovation Growth Partners Specialty LLC (IGP Specialty) Maverick Commercial Insurance Services NeitClem Wholesale Insurance Brokerage Inc. Poulton Associates
Smart Choice Express Markets US Assure
Stand Alone Earthquake ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Hinterland Insurance
MAXIMUM
Poulton Associates
R.E. Chaix & Associates Insurance Brokers Smart Choice Express Markets Walter General Agency (WGA)
JULY 27, 2026 | INSURANCE JOURNAL | 37
2026 Specialty Markets Directory, Summer Edition
Directors & Officers Liability
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
PartnerOne Environmental Philadelphia Insurance Companies
(Italicized companies offer binding authority.)
■ Not Available
Legend:
■ East
■ Midwest
■ Southeast
■ Texas/South Central
Entertainment/Live Performance Cancellation ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Concerts ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
BUA LLC Exceptional Risk Advisors LLC
Sportunderwriters.com
BUA LLC Exceptional Risk Advisors LLC GIC Underwriters Inc.
Innovation Growth Partners Specialty LLC (IGP Specialty) InsuranceHelper.com James Klein Insurance
Sportunderwriters.com
Entertainment (General) ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Amwins - 155+ Locations Worldwide Exceptional Risk Advisors LLC
Innovation Growth Partners Specialty LLC (IGP Specialty) InsuranceHelper.com James Klein Insurance
Kinsale Insurance Company
Event Planners/Producers ■■ ■ ■ ■
InsuranceHelper.com
Event Weather Insurance ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
BUA LLC
Gateway Specialty Insurance Innovation Growth Partners Specialty LLC (IGP Specialty)
Film & TV Producers Indemnity (Cast)
2026 Specialty Markets Directory, Summer Edition
■■ ■ ■ ■ ■■ ■ ■ ■
Exceptional Risk Advisors LLC
Innovation Growth Partners Specialty LLC (IGP Specialty)
Live Theatrical Risks ■■ ■ ■ ■ ■■ ■ ■ ■
Innovation Growth Partners Specialty LLC (IGP Specialty) InsuranceHelper.com
Media Special Perils ■■ ■ ■ ■
Professional Program Ins. Brokerage, a Div of SPG
Non-Appearance ■■ ■ ■ ■ ■■ ■ ■ ■
Exceptional Risk Advisors LLC
Innovation Growth Partners Specialty LLC (IGP Specialty)
Terrorism/Active Assailant ■■ ■ ■ ■ ■■ ■ ■ ■
Exceptional Risk Advisors LLC
Innovation Growth Partners Specialty LLC (IGP Specialty)
Touring Entertainers ■■ ■ ■ ■
Weather ■■ ■ ■ ■ ■■ ■ ■ ■
Exceptional Risk Advisors LLC BUA LLC
Sportunderwriters.com
Environmental Agricultural Dealers ■■ ■ ■ ■
Philadelphia Insurance Companies
Alternative Energy Plants ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
PERse
Philadelphia Insurance Companies RT Specialty UCPM
Battery Storage Projects ■■ ■ ■ ■
PERse
Disposal Sites Non-Owned ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
PartnerOne Environmental Philadelphia Insurance Companies SPG Environmental UCPM
Environmental Impairment Liability ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Access E&S Insurance Services Freberg Environmental Inc. Global Special Risks
James River Insurance Company Jencap - Locations Nationwide Jencap Specialty Insurance Services (Environmental) PartnerOne Environmental Philadelphia Insurance Companies
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Freberg Environmental Inc.
FTP Inc.
Global Special Risks
James Klein Insurance
James River Insurance Company
Jencap - Locations Nationwide Jencap Specialty Insurance Services (Environmental) Maverick Commercial Insurance Services NeitClem Wholesale Insurance Brokerage Inc. PartnerOne Environmental Philadelphia Insurance Companies River Valley Underwriters Inc. Roush Insurance Services Inc. Specialty Wholesale Ins. Solution (SWIS), a Div of SPG SPG Environmental SPG Wholesale
Target Managers Insurance Services UCPM USASIA Insurance Services Virtue Risk Partners LLC
XPT Specialty
Geothermal Energy Projects ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Global Special Risks
James River Insurance Company PERse
Philadelphia Insurance Companies UCPM Virtue Risk Partners LLC
Hazardous Waste Hauling
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Amwins - 155+ Locations Worldwide
Freberg Environmental Inc. Pacific Gateway Insurance Agency SPG Environmental Target Managers Insurance Services UCPM
Hazardous Waste Storage & Disposal Facilities ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Freberg Environmental Inc.
James River Insurance Company Philadelphia Insurance Companies SPG Environmental
Target Managers Insurance Services UCPM Virtue Risk Partners LLC
Hydro Energy Projects ■■ ■ ■ ■ ■■ ■ ■ ■
PERse UCPM
Landfills (Sanitary) ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Freberg Environmental Inc.
Jencap - Locations Nationwide Jencap Specialty Insurance Services (Environmental) Philadelphia Insurance Companies SPG Environmental
Lenders Environmental Cost
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Freberg Environmental Inc.
SPG Environmental UCPM
Mining Operations ■■ ■ ■ ■
James River Insurance Company
Non-Hazardous Waste Hauling ■■ ■ ■ ■
Philadelphia Insurance Companies
Pollution (General) ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Donald Gaddis Company Inc. Insurance Services Innovation Growth Partners Specialty LLC (IGP Specialty)
James River Insurance Company
Jencap - Locations Nationwide Jencap Specialty Insurance Services (Environmental)
NeitClem Wholesale Insurance Brokerage Inc. PartnerOne Environmental Philadelphia Insurance Companies Quadrant Insurance Managers RT Specialty SPG Environmental UCPM Virtue Risk Partners LLC
Pollution Above Ground
Freberg Environmental Inc. Jencap - Locations Nationwide Jencap Specialty Insurance Services (Environmental)
SPG Environmental Starwind Community Associations Virtue Risk Partners LLC
Pollution Clean Up Indemnity
Target Managers Insurance Services
Access E&S Insurance Services Apogee Insurance Group, a Berkshire Hathaway Company Apollo General Ins. Agency Inc. DeCotis Specialty Insurance
38 | INSURANCE JOURNAL | JULY 27, 2026
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
(Italicized companies offer binding authority.)
■ Not Available
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Environmental Risks ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
■ West
Philadelphia Insurance Companies SPG Environmental UCPM
Pollution Liability ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Apex
Apollo General Ins. Agency Inc. Innovation Growth Partners Specialty LLC (IGP Specialty) James Klein Insurance James River Insurance Company
Jencap - Locations Nationwide Jencap Specialty Insurance Services (Environmental)
Johnson & Johnson
Kinsale Insurance Company M&A Insurance Solutions LLC MAXIMUM PartnerOne Environmental
Philadelphia Insurance Companies River Valley Underwriters Inc. SPG Environmental UCPM Virtue Risk Partners LLC
Real Estate Owner Asbestos Abatement ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Freberg Environmental Inc. Jencap - Locations Nationwide Jencap Specialty Insurance Services (Environmental)
PartnerOne Environmental SPG Environmental UCPM
Solar Energy Products and Installers
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
James River Insurance Company
Jencap - Locations Nationwide Jencap Specialty Insurance Services (Environmental)
Kinsale Insurance Company PERse
Philadelphia Insurance Companies RT Specialty
Shield Commercial Insurance Services UCPM
Underground Fuel Tank Pollution Liability ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Apex
Apollo General Ins. Agency Inc. Freberg Environmental Inc.
Innovation Growth Partners Specialty LLC (IGP Specialty)
Jencap - Locations Nationwide Jencap Specialty Insurance Services (Environmental)
Philadelphia Insurance Companies UCPM
Underground Storage Tanks ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Apollo General Ins. Agency Inc. Freberg Environmental Inc.
Innovation Growth Partners Specialty LLC (IGP Specialty)
Jencap - Locations Nationwide Jencap Specialty Insurance Services (Environmental)
Kinsale Insurance Company PartnerOne Environmental Philadelphia Insurance Companies UCPM Virtue Risk Partners LLC
Wind Energy Projects ■■ ■ ■ ■ ■■ ■ ■ ■
PERse UCPM
Equipment/Machinery/Tools Agricultural Equipment ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Agricultural Insurance Mgmt Services Global Special Risks Gridiron Insurance Underwriters Inc.
Innovation Growth Partners Specialty LLC (IGP Specialty) Kinsale Insurance Company
Boiler & Machinery (High Value Objects) ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Agricultural Insurance Mgmt Services
Berkley Luxury Group, a W.R. Berkley Company
MiniCo Insurance Agency, a Jencap Company PERse Starwind Community Associations
Computer Equipment ■■ ■ ■ ■
Gridiron Insurance Underwriters Inc.
Equipment Dealers ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Firearms
Freberg Environmental Inc. Jencap - Locations Nationwide Jencap Specialty Insurance Services (Environmental)
■■ ■ ■ ■ ■■ ■ ■ ■
SPG Environmental Virtue Risk Partners LLC
■■ ■ ■ ■
Philadelphia Insurance Companies
Access E&S Insurance Services Amwins - 155+ Locations Worldwide
Admiral Insurance Group
Construction Insurance Services LLC
UFG Specialty
Joseph Chiarello & Co ; Firearms Business Insurance
Kinsale Insurance Company
Food Processors
UFG Specialty
www.insurancejournal.com
Legend:
■ East
■ Midwest
■ Southeast
■ Texas/South Central
Forestry Equipment ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Continental Underwriters Innovation Growth Partners Specialty LLC (IGP Specialty) Kinsale Insurance Company
Logging Operations ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Continental Underwriters Kinsale Insurance Company New England Excess Exchange
Mechanical Breakdown & Extended Warranty ■■ ■ ■ ■
MiniCo Insurance Agency, a Jencap Company
Medical Equipment Dealer ■■ ■ ■ ■ ■■ ■ ■ ■
James River Insurance Company LifeScienceRisk
Excess Coverage Employers Excess Indemnity ■■ ■ ■ ■
Comp Solutions Network Inc.
Excess Auto Liability Commercial ■■ ■ ■ ■ Jencap - Locations Nationwide ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Jimcor Agencies
Kinsale Insurance Company Truckers Insurance Associates
Excess Auto Liability Personal ■■ ■ ■ ■ ■■ ■ ■ ■
Mexico Insurance Online
Sun Coast General Insurance Agency
Excess E&O
Apogee Insurance Group, a Berkshire Hathaway Company Innovation Growth Partners Specialty LLC (IGP Specialty) James River Insurance Company Professional Underwriters Agency (PUA) Quadrant Insurance Managers Synergy Professional Associates Inc. US Assure World Wide Specialty, a Div of Philadelphia Ins. Co’s
Excess Flood ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Flood Risk Solutions Inc. Flow Insurance Services FTP Inc.
James River Insurance Company Johnson & Johnson
Poulton Associates SPG Wholesale Starwind Community Associations
Excess Liability Commercial
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
AMIS/Alliance Marketing & Insurance Services LLC Apollo General Ins. Agency Inc. Brecht & Associates
Brownyard Group
Canon Insurance Service CID Insurance Programs Inc.
Construction Insurance Services LLC CRC Tapco DeCotis Specialty Insurance Distinguished Programs Euclid Life Science Specialty LLC Global Special Risks Gorst & Compass Insurance
Great American Risk Solutions
Gridiron Insurance Underwriters Inc. Hinterland Insurance
Innovation Growth Partners Specialty LLC (IGP Specialty)
Integrated Specialty Coverages (ISC) James Klein Insurance James River Insurance Company Jencap - Locations Nationwide Jimcor Agencies
Kevin Davis Insurance Services Maverick Commercial Insurance Services May Specialty Underwriters Nationwide Norman-Spencer Agency LLC Pacific Excess Insurance Marketing
Philadelphia Insurance Companies Quadrant Insurance Managers R.E. Chaix & Associates Insurance Brokers RelMark Program Managers River Valley Underwriters Inc. Roush Insurance Services Inc. RT Specialty Shield Commercial Insurance Services Signature Specialty, LP
Sports & Wellness Insurance The McGowan Companies
UFG Specialty Vintage Underwriters
(Italicized companies offer binding authority.)
■ Not Available
Excess Liability Personal
Farm & Animal Commercial Risks
Excess Malpractice
Dairies
Excess Malpractice & Professional Liability
Equestrian & Equine-Related Business
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
RT Specialty
Innovation Growth Partners Specialty LLC (IGP Specialty) Innovation Growth Partners Specialty LLC (IGP Specialty) Negley Associates
Synergy Professional Associates Inc.
Excess Maritime Employers Liability ■■ ■ ■ ■
LIG Marine Managers
Excess Professional Liability ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Apogee Insurance Group, a Berkshire Hathaway Company Berkley Select | a Berkley Company Euclid Life Science Specialty LLC Innovation Growth Partners Specialty LLC (IGP Specialty) James River Insurance Company Kinsale Insurance Company Number One Insurance Agency Professional Insurance Concepts Professional Underwriters Agency (PUA) Quadrant Insurance Managers
Synergy Professional Associates Inc. World Wide Specialty, a Div of Philadelphia Ins. Co’s
Excess Property Commercial ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
James River Insurance Company UFG Specialty
Victor Insurance Managers LLC
Self-Insured Excess Coverage ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Apex Great American Risk Solutions Jencap - Locations Nationwide
Midwest Employers Casualty
Self-Insured Risks ■■ ■ ■ ■
Great American Risk Solutions
Umbrella Liability Commercial ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Access E&S Insurance Services Admiral Insurance Group AMIS/Alliance Marketing & Insurance Services LLC Bass Underwriters
Berkley Luxury Group, a W.R. Berkley Company Construction Insurance Services LLC
Continental Underwriters
Distinguished Programs
Executive Insurance Professionals, PLLC Great American Risk Solutions Hull & Company
Integrated Specialty Coverages (ISC) Irwin Siegel Agency James Klein Insurance
Jencap - Locations Nationwide
Joseph Krar & Associates Inc.
LIG Marine Managers MiniCo Insurance Agency, a Jencap Company
Number One Insurance Agency Prime Insurance Company Southwest Risk
Specialty Wholesale Ins. Solution (SWIS), a Div of SPG SPG Wholesale
Sports & Wellness Insurance
Starwind Community Associations The McGowan Companies Vintage Underwriters Walter General Agency (WGA) World Wide Specialty, a Div of Philadelphia Ins. Co’s
Umbrella Liability Personal ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Cabrillo Coastal General Insurance Agency LLC DeCotis Specialty Insurance Hull & Company
Number One Insurance Agency Prime Insurance Company Risk Placement Services Sacramento
RT Specialty South & Western General Agency Inc. SPG Wholesale
Workers’ Comp ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Apollo General Ins. Agency Inc.
Comp Solutions Network Inc.
Legacy Employer Concepts LLC
LIG Marine Managers Shield Commercial Insurance Services
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Agricultural Insurance Mgmt Services South & Western General Agency Inc. Agricultural Insurance Mgmt Services Equine Insurance Specialists LLC James Klein Insurance
RT Specialty
Horse Breeders/Boarders ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Agricultural Insurance Mgmt Services Equine Insurance Specialists LLC Risk Placement Services Sacramento
Horse Farms ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Agricultural Insurance Mgmt Services Equine Insurance Specialists LLC South & Western General Agency Inc.
Horse Mortality Surgical & Medical ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Agricultural Insurance Mgmt Services Equine Insurance Specialists LLC James Klein Insurance
Livestock Comm. Feedlot Reporting Farm ■■ ■ ■ ■ ■■ ■ ■ ■
Kinsale Insurance Company The Hartford
Livestock Haulers ■■ ■ ■ ■ ■■ ■ ■ ■
The Hartford Truckers Insurance Associates
Livestock--Care, Custody or Control ■■ ■ ■ ■ ■■ ■ ■ ■
Agricultural Insurance Mgmt Services
The Hartford
Poultry Houses ■■ ■ ■ ■
Kinsale Insurance Company
Racehorses ■■ ■ ■ ■ ■■ ■ ■ ■
Agricultural Insurance Mgmt Services
Equine Insurance Specialists LLC
Rodeos & Horse Shows ■■ ■ ■ ■ ■■ ■ ■ ■
Equine Insurance Specialists LLC
McGowan Allied Specialty Insurance
Saddle Animal Liability ■■ ■ ■ ■ ■■ ■ ■ ■
Equine Insurance Specialists LLC
McGowan Allied Specialty Insurance
Farm & Ranch Owners Cannabis / Marijuana Growers ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Berkley Select | a Berkley Company Cannasure Insurance Services
CIS Insurance Services - The Cannabis Insurance Co. DeCotis Specialty Insurance
Jencap - Locations Nationwide Jimcor Agencies
Legacy Employer Concepts LLC New England Excess Exchange R.E. Chaix & Associates Insurance Brokers
Commercial Agribusiness ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Agricultural Insurance Mgmt Services
Innovation Growth Partners Specialty LLC (IGP Specialty) Kinsale Insurance Company Legacy Employer Concepts LLC Maverick Commercial Insurance Services
Farm & Ranch Owners Equipment ■■ ■ ■ ■
Agricultural Insurance Mgmt Services
Farm & Ranch Owners Liability (only) ■■ ■ ■ ■ ■■ ■ ■ ■
Cabrillo Coastal General Insurance Agency LLC Joseph Krar & Associates Inc.
FRO Package ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
James Klein Insurance
Risk Placement Services Sacramento River Valley Underwriters Inc.
RPS
South & Western General Agency Inc.
Product Contamination/Recall ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
CIS Insurance Services - The Cannabis Insurance Co. Cooper & McCloskey Inc. Kinsale Insurance Company
Virtue Risk Partners LLC Walter General Agency (WGA) World Wide Specialty, a Div of Philadelphia Ins. Co’s
XPT Specialty
www.insurancejournal.com
JULY 27, 2026 | INSURANCE JOURNAL | 39
2026 Specialty Markets Directory, Summer Edition
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
■ West
Legend:
■ East
■ Midwest
■ Southeast
■ Texas/South Central
Financial Institution Services Collateral Protection Insurance ■■ ■ ■ ■ ■■ ■ ■ ■
M&A Insurance Solutions LLC Unitas Financial Services
Diversified Financial Products ■■ ■ ■ ■
M&A Insurance Solutions LLC
Financial Institutions ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Innovation Growth Partners Specialty LLC (IGP Specialty) J.B. Lloyd & Associates, A Member Company of US Risk Jencap - Locations Nationwide M&A Insurance Solutions LLC RT Specialty Unitas Financial Services
Forced Placed & Foreclosure Property ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Innovation Growth Partners Specialty LLC (IGP Specialty) REInsurePro Unitas Financial Services
Investment Advisors ■■ ■ ■ ■
Donald Gaddis Company Inc. Insurance Services
Lenders Simple Interest/VSI/BSI ■■ ■ ■ ■ ■■ ■ ■ ■
J.B. Lloyd & Associates, A Member Co. of US Risk Unitas Financial Services
Private Equity ■■ ■ ■ ■ ■■ ■ ■ ■
M&A Insurance Solutions LLC Unitas Financial Services
2026 Specialty Markets Directory, Summer Edition
Flood & Related
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
DeCotis Specialty Insurance
Flood Risk Solutions Inc. Flow Insurance Services FTP Inc. Gridiron Insurance Underwriters Inc. Hinterland Insurance
Innovation Growth Partners Specialty LLC (IGP Specialty) Jencap - Locations Nationwide Jimcor Agencies
Johnson & Johnson Maverick Commercial Insurance Services MAXIMUM Number One Insurance Agency Pacific Excess Insurance Marketing Poulton Associates REInsurePro reThought Flood Starwind Community Associations Access One80
Amwins - 155+ Locations Worldwide Ascendant Insurance Solutions BUA LLC
Cabrillo Coastal General Insurance Agency LLC Flood Risk Solutions Inc. Flow Insurance Services Foremost Insurance Group FTP Inc. Gridiron Insurance Underwriters Inc. Hinterland Insurance Jimcor Agencies
Johnson & Johnson New England Excess Exchange Number One Insurance Agency Poulton Associates reThought Flood RT Specialty
Euclid Life Science Specialty LLC MacAfee & Edwards Inc. - MxRisk Insurance Services Mexpro.com / NFP
International ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
International Citizens Insurance TME Travel Insurance
International Visitors & Travelers Medical ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
International Citizens Insurance Mexpro.com / NFP
TME Travel Insurance
Mexican Commercial Lines ■■ ■ ■ ■
MacAfee & Edwards Inc. - MxRisk Insurance Services
Mexican Personal Lines ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
MacAfee & Edwards Inc. - MxRisk Insurance Services
Mexico Insurance Online Mexpro.com / NFP
Mexican Tourist Auto ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
MacAfee & Edwards Inc. - MxRisk Insurance Services
Mexico Insurance Online
Mexpro.com / NFP
Travel Medical ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Mexico Insurance Online Mexpro.com / NFP
TME Travel Insurance
Garage Auto Dealers
Access One80
Auto Service and Repair
Ascendant Insurance Solutions
Foreign Coverages Foreign
International Medical, Disability, Life
■■ ■ ■ ■ ■■ ■ ■ ■
Bass Underwriters
Access One80
Flood--Personal ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
International Citizens Insurance
Amwins - 155+ Locations Worldwide
Poulton Associates reThought Flood
Flood--Commercial ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
International Kidnap Insurance ■■ ■ ■ ■
International Citizens Insurance
MacAfee & Edwards Inc. - MxRisk Insurance Services
Mexico Insurance Online Mexpro.com / NFP RT Specialty
USASIA Insurance Services
40 | INSURANCE JOURNAL | JULY 27, 2026
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Amwins - 155+ Locations Worldwide CID Insurance Programs Inc. DMI Insurance Services
Executive Insurance Professionals, PLLC Gorst & Compass Insurance Hull & Company
Mexico Insurance Online
River Valley Underwriters Inc.
Sun Coast General Insurance Agency Access One80 Brecht & Associates
CID Insurance Programs Inc.
DMI Insurance Services Gorst & Compass Insurance Jimcor Agencies Joseph Krar & Associates Inc.
Philadelphia Insurance Companies
River Valley Underwriters Inc. Roush Insurance Services Inc.
Southwest Risk
Vintage Underwriters Walter General Agency (WGA) Wholesure XPT Specialty
Garage Keepers Auto Services ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Access One80
Jencap - Locations Nationwide Johnson & Johnson Kinsale Insurance Company Vintage Underwriters
Garage Keepers Legal Liability/Dealers Open Lot
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Berkley Luxury Group, a W.R. Berkley Company
Brecht & Associates GIC Underwriters Inc. International Transportation & Marine Agency Inc.
Garage Liability (Substandard) ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
International Transportation & Marine Agency Inc. McLeckie Insurance Group National Indemnity Company
Service Operations ■■ ■ ■ ■
DMI Insurance Services
Used Car Dealers ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Access One80
Amwins - 155+ Locations Worldwide Ascendant Insurance Solutions Brecht & Associates DMI Insurance Services
Gorst & Compass Insurance
Joseph Krar & Associates Inc. McLeckie Insurance Group National Indemnity Company
Sun Coast General Insurance Agency Walter General Agency (WGA)
Hospitality Banquet Halls ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Friedlander Group Inc.
InsuranceHelper.com Jencap - Locations Nationwide
Bars/Night Clubs ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Bass Underwriters
Charity First Insurance Services Inc. CRC Tapco
Executive Insurance Professionals, PLLC Flood Risk Solutions Inc.
Friedlander Group Inc. FTP Inc. Gorst & Compass Insurance Integrated Specialty Coverages (ISC) James River Insurance Company Jencap - Locations Nationwide Jimcor Agencies
Maverick Commercial Insurance Services MAXIMUM May Specialty Underwriters Pacific Excess Insurance Marketing Prime Insurance Company RT Specialty USASIA Insurance Services XPT Specialty
Bed & Breakfasts ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Berkley Select | a Berkley Company Brecht & Associates
Friedlander Group Inc. Johnson & Johnson
The McGowan Companies
Breweries/Micro ■■ ■ ■ ■
Casinos Caterers
Amwins - 155+ Locations Worldwide Ascendant Insurance Solutions
DMI Insurance Services Jencap - Locations Nationwide
On-Hook Coverage
Prime Insurance Company
Vintage Underwriters Western Surplus Lines Agency Inc. Wholesure
DMI Insurance Services
General Liability
■■ ■ ■ ■ ■■ ■ ■ ■
McLeckie Insurance Group
Access One80
Jencap - Locations Nationwide
Garage Liability Hazard II
Jencap - Locations Nationwide
Garage Liability
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
(Italicized companies offer binding authority.)
■ Not Available
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Flood Districts ■■ ■ ■ ■ ■■ ■ ■ ■
■ West
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Friedlander Group Inc. MAXIMUM
The McGowan Companies
CID Insurance Programs Inc. CRC Tapco
Executive Insurance Professionals, PLLC Friedlander Group Inc. InsuranceHelper.com Jencap - Locations Nationwide
Bass Underwriters DMI Insurance Services GIC Underwriters Inc.
Dinner Theaters
Hull & Company
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Gorst & Compass Insurance
Jencap - Locations Nationwide
Johnson & Johnson Kinsale Insurance Company Maverick Commercial Insurance Services New England Excess Exchange
■■ ■ ■ ■
Jencap - Locations Nationwide
Gentlemens Clubs
James River Insurance Company Jencap - Locations Nationwide MAXIMUM NeitClem Wholesale Insurance Brokerage Inc.
Pacific Gateway Insurance Agency Quirk & Company R.E. Chaix & Associates Insurance Brokers USASIA Insurance Services Western Surplus Lines Agency Inc.
www.insurancejournal.com
Legend:
■ East
■ Midwest
■ Southeast
■ Texas/South Central
Hotels/Motels Packages ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Access One80
Amalgamated Insurance Underwriters Amwins - 155+ Locations Worldwide Ascendant Insurance Solutions Berkley Select | a Berkley Company bolt
Covenant Underwriters CRC Tapco
DeCotis Specialty Insurance Executive Insurance Professionals, PLLC Flood Risk Solutions Inc. Friedlander Group Inc. FTP Inc. GIC Underwriters Inc. Gorst & Compass Insurance Hinterland Insurance
Jencap - Locations Nationwide Maverick Commercial Insurance Services May Specialty Underwriters
NeitClem Wholesale Insurance Brokerage Inc.
Pacific Excess Insurance Marketing Risk Placement Services Sacramento RT Specialty
South & Western General Agency Inc. Wholesure
Internet Risks ■■ ■ ■ ■
Resorts ■■ ■ ■ ■ ■■ ■ ■ ■
Wilkoff Bonds Friedlander Group Inc. May Specialty Underwriters
Restaurants
Spas
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Amwins - 155+ Locations Worldwide Ascendant Insurance Solutions Bass Underwriters
Berkley Luxury Group, a W.R. Berkley Company Berkley Select | a Berkley Company Brecht & Associates
Charity First Insurance Services Inc. CID Insurance Programs Inc. CRC Tapco
DeCotis Specialty Insurance Flood Risk Solutions Inc. Friedlander Group Inc. FTP Inc. GIC Underwriters Inc. Hinterland Insurance IAT Insurance Group
Integrated Specialty Coverages (ISC) Jencap - Locations Nationwide
Johnson & Johnson Legacy Employer Concepts LLC Maverick Commercial Insurance Services MAXIMUM May Specialty Underwriters McLeckie Insurance Group
New England Excess Exchange
Norman-Spencer Agency LLC Pacific Excess Insurance Marketing Risk Placement Services Sacramento River Valley Underwriters Inc. Roush Insurance Services Inc. South & Western General Agency Inc.
Southwest Risk Specialty Wholesale Ins. Solution (SWIS), a Div of SPG The McGowan Companies
UFG Specialty
USASIA Insurance Services Walter General Agency (WGA) Western Surplus Lines Agency Inc. Wholesure
XPT Specialty
CRC Tapco Insurtec Tanning and Spa Insurance Jencap - Locations Nationwide Professional Program Ins. Brokerage, a Div of SPG REInsurePro Universal Insurance Programs
Special Events
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Charity First Insurance Services Inc. CRC Tapco
Executive Insurance Professionals, PLLC InsuranceHelper.com
Integrated Specialty Coverages (ISC) James River Insurance Company Jencap - Locations Nationwide
Johnson & Johnson Nationwide Risk Placement Services Sacramento Sportunderwriters.com
www.insurancejournal.com
Inland Marine Bailee
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
CIS Insurance Services - The Cannabis Insurance Co.
Gridiron Insurance Underwriters Inc. International Transportation & Marine Agency Inc.
The Hartford
Builders Risk ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Bass Underwriters Cannasure Insurance Services Canon Insurance Service
Charity First Insurance Services Inc. FTP Inc.
Gridiron Insurance Underwriters Inc.
Integrated Specialty Coverages (ISC) Jencap - Locations Nationwide Johnson & Johnson Kinsale Insurance Company
MacAfee & Edwards Inc. - MxRisk Insurance Services McLeckie Insurance Group NeitClem Wholesale Insurance Brokerage Inc. Roush Insurance Services Inc. Shield Commercial Insurance Services Smart Choice Express Markets
South & Western General Agency Inc. Southwest Risk The Hartford UFG Specialty US Assure Wholesure
XPT Specialty
Contractors Equipment ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
EDP
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Apollo General Ins. Agency Inc.
Continental Underwriters Executive Insurance Professionals, PLLC
Global Special Risks Gridiron Insurance Underwriters Inc.
Innovation Growth Partners Specialty LLC (IGP Specialty) Integrated Specialty Coverages (ISC) Jencap - Locations Nationwide Kinsale Insurance Company
MacAfee & Edwards Inc. - MxRisk Insurance Services McLeckie Insurance Group Norman-Spencer Agency LLC River Valley Underwriters Inc. Roush Insurance Services Inc. Shelly, Middlebrooks & O’Leary Inc. Shield Commercial Insurance Services
Smart Choice Express Markets The Hartford
USASIA Insurance Services Walter General Agency (WGA) Western Surplus Lines Agency Inc. Wholesure Brownyard Group
Continental Underwriters
Gridiron Insurance Underwriters Inc.
Equipment Floaters ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Brecht & Associates Brownyard Group
Continental Underwriters
Gridiron Insurance Underwriters Inc. International Transportation & Marine Agency Inc. McLeckie Insurance Group
R.E. Chaix & Associates Insurance Brokers Sportunderwriters.com The Hartford Western Surplus Lines Agency Inc.
Floaters (Misc.) ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Gridiron Insurance Underwriters Inc. Joseph Krar & Associates Inc.
The Hartford
Installation Floaters ■■ ■ ■ ■ ■■ ■ ■ ■
Shield Commercial Insurance Services
The Hartford
Installment Sales Floaters ■■ ■ ■ ■
The Hartford
Motor Truck Cargo ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
(Italicized companies offer binding authority.)
■ Not Available
Apollo General Ins. Agency Inc. Ascendant Insurance Solutions
Cannasure Insurance Services
CIS Insurance Services - The Cannabis Insurance Co. DeCotis Specialty Insurance
FTP Inc.
Global Special Risks Gridiron Insurance Underwriters Inc. International Transportation & Marine Agency Inc.
Jencap - Locations Nationwide Johnson & Johnson
MacAfee & Edwards Inc. - MxRisk Insurance Services
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Maverick Commercial Insurance Services McLeckie Insurance Group Norman-Spencer Agency LLC
R.E. Chaix & Associates Insurance Brokers RT Specialty Shelly, Middlebrooks & O’Leary Inc.
Smart Choice Express Markets
Sun Coast General Insurance Agency
The Hartford
Transportation Risk Underwriters
Truckers Insurance Associates
Walter General Agency (WGA) XPT Specialty
Personal Property Floaters ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
RT Specialty SPG Wholesale
The Hartford
Warehousemens Liability ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
CIS Insurance Services - The Cannabis Insurance Co.
Gridiron Insurance Underwriters Inc. International Transportation & Marine Agency Inc.
MAXIMUM The Hartford
Internet Related Risks Cyber Liability ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
E&O
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Access E&S Insurance Services Access One80
Apogee Insurance Group, a Berkshire Hathaway Company Ascendant Insurance Solutions Brownyard Group
Cooper & McCloskey Inc. Eaton Professional Insurance Services IAT Insurance Group
Innovation Growth Partners Specialty LLC (IGP Specialty) Integrated Specialty Coverages (ISC) Irwin Siegel Agency
Jencap - Locations Nationwide Johnson & Johnson MAXIMUM
Norman-Spencer Agency LLC
ProWriters Quadrant Insurance Managers RT Specialty Southwest Risk
SPG Transportation - Moving and Storage The McGowan Companies
Truckers Insurance Associates Wholesure
Wilkoff Bonds XPT Specialty Access E&S Insurance Services Apogee Insurance Group, a Berkshire Hathaway Company Cooper & McCloskey Inc. GIC Underwriters Inc.
Innovation Growth Partners Specialty LLC (IGP Specialty) Jencap - Locations Nationwide NeitClem Wholesale Insurance Brokerage Inc. ProWriters R.E. Chaix & Associates Insurance Brokers
E-Commerce Risks ■■ ■ ■ ■
Wilkoff Bonds
Software Designers ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Access E&S Insurance Services Eaton Professional Insurance Services Innovation Growth Partners Specialty LLC (IGP Specialty) Jencap - Locations Nationwide
Web Site Designers ■■ ■ ■ ■ ■■ ■ ■ ■
Eaton Professional Insurance Services Innovation Growth Partners Specialty LLC (IGP Specialty)
Liability Apartments (liability only) ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Berkley Luxury Group, a W.R. Berkley Company CID Insurance Programs Inc. CRC Tapco Distinguished Programs
James River Insurance Company Jencap - Locations Nationwide May Specialty Underwriters Southwest Risk
Specialty Wholesale Ins. Solution (SWIS), a Div of SPG
Comprehensive Personal Liability (CPL) ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Cabrillo Coastal General Insurance Agency LLC CRC Tapco
Risk Placement Services Sacramento RT Specialty
JULY 27, 2026 | INSURANCE JOURNAL | 41
2026 Specialty Markets Directory, Summer Edition
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
■ West
Legend:
■ East
■ Midwest
■ Southeast
■ Texas/South Central
2026 Specialty Markets Directory, Summer Edition
General Liability (GL) ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Berkley Luxury Group, a W.R. Berkley Company
Premises Liability
Bass Underwriters
Brecht & Associates Cannasure Insurance Services
USASIA Insurance Services
Admiral Insurance Group Charity First Insurance Services Inc. CIS Insurance Services - The Cannabis Insurance Co.
FTP Inc. GIC Underwriters Inc. Irwin Siegel Agency
Liquor Liability
CID Insurance Programs Inc. CIS Insurance Services - The Cannabis Insurance Co. Construction Insurance Services LLC
Continental Underwriters
CRC Tapco Distinguished Programs Euclid Life Science Specialty LLC
Executive Insurance Professionals, PLLC Innovation Growth Partners Specialty LLC (IGP Specialty) James Klein Insurance James River Insurance Company
Jencap - Locations Nationwide
Johnson & Johnson
Joseph Krar & Associates Inc.
MAXIMUM May Specialty Underwriters
McLeckie Insurance Group
Mission Underwriting Managers LLC Nationwide
Negley Associates NeitClem Wholesale Insurance Brokerage Inc.
Norman-Spencer International Inc. Normandy Insurance
Pacific Excess Insurance Marketing
Philadelphia Insurance Companies Quadrant Insurance Managers
R.E. Chaix & Associates Insurance Brokers Roush Insurance Services Inc. RT Specialty Shield Commercial Insurance Services
Smart Choice Express Markets Southwest Risk
Starwind Community Associations
Transportation Risk Underwriters
Victor Insurance Managers LLC Vintage Underwriters Western Surplus Lines Agency Inc. Wholesure World Wide Specialty, a Div of Philadelphia Ins. Co’s
Berkley Luxury Group, a W.R. Berkley Company Charity First Insurance Services Inc. CID Insurance Programs Inc. Distinguished Programs
HabPro Insurance
Jencap - Locations Nationwide
Mexico Insurance Online Pacific Excess Insurance Marketing
Quirk & Company Risk Placement Services Sacramento Starwind Community Associations
Ascendant Insurance Solutions Bass Underwriters
CRC Tapco Distinguished Programs
HabPro Insurance
IAT Insurance Group InsuranceHelper.com
Jencap - Locations Nationwide May Specialty Underwriters REInsurePro Virtue Risk Partners LLC
Bars/Night Clubs (W/ Liquor Liability) ■■ ■ ■ ■ Amwins - 155+ Locations Worldwide ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Brecht & Associates
Charity First Insurance Services Inc. CID Insurance Programs Inc.
CRC Tapco Donald Gaddis Company Inc. Insurance Services GIC Underwriters Inc.
Jencap - Locations Nationwide Number One Insurance Agency Risk Placement Services Sacramento
Liquor Dealers & Stores ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Gorst & Compass Insurance
Jencap - Locations Nationwide Number One Insurance Agency
Liquor Liability ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Bass Underwriters
Berkley Luxury Group, a W.R. Berkley Company Charity First Insurance Services Inc. CRC Tapco
DeCotis Specialty Insurance
Donald Gaddis Company Inc. Insurance Services
Executive Insurance Professionals, PLLC Hull & Company
Innovation Growth Partners Specialty LLC (IGP Specialty) InsuranceHelper.com
Jencap - Locations Nationwide Jimcor Agencies
Food Manufacturers/Producers ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
James River Insurance Company Jencap - Locations Nationwide Nationwide NeitClem Wholesale Insurance Brokerage Inc. Pacific Excess Insurance Marketing The McGowan Companies
UFG Specialty
Victor Insurance Managers LLC XPT Specialty
Furniture & Fixtures Manufacturers ■■ ■ ■ ■ ■■ ■ ■ ■
Continental Underwriters
Nationwide
Medical Equipment Manufacturers ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Euclid Life Science Specialty LLC
James Klein Insurance James River Insurance Company Jencap - Locations Nationwide Kinsale Insurance Company
LifeScienceRisk Professional Program Ins. Brokerage, a Div of SPG
Metal & Plastics Manufacturers
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Innovation Growth Partners Specialty LLC (IGP Specialty) James River Insurance Company Jencap - Locations Nationwide May Specialty Underwriters Nationwide Philadelphia Insurance Companies R.E. Chaix & Associates Insurance Brokers The McGowan Companies
Product Contamination/Recall ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Cooper & McCloskey Inc. Great American Risk Solutions Kinsale Insurance Company
Transportation Equipment Manufacturers ■■ ■ ■ ■
Innovation Growth Partners Specialty LLC (IGP Specialty)
Wood Products Manufacturing ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Continental Underwriters
Jencap - Locations Nationwide May Specialty Underwriters Nationwide
Roush Insurance Services Inc.
UFG Specialty
Victor Insurance Managers LLC
Maverick Commercial Insurance Services May Specialty Underwriters Number One Insurance Agency Pacific Excess Insurance Marketing Prime Insurance Company
Marine Related
Roush Insurance Services Inc. RT Specialty
Boat Dealers
River Valley Underwriters Inc.
Shelly, Middlebrooks & O’Leary Inc. Starwind Community Associations USASIA Insurance Services Wholesure
Liquor Liability Host
CRC Tapco InsuranceHelper.com
Antique & Classic Boats ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Markel Personal Lines Norvos Insurance Innovation Growth Partners Specialty LLC (IGP Specialty) JSM Brokerage Insurance and Risk Management LIG Marine Managers
Mexico Insurance Online
Boat Manufacturers ■■ ■ ■ ■ ■■ ■ ■ ■
Innovation Growth Partners Specialty LLC (IGP Specialty) LIG Marine Managers
Berkley Luxury Group, a W.R. Berkley Company
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Charity First Insurance Services Inc. CID Insurance Programs Inc. CIS Insurance Services - The Cannabis Insurance Co.
Manufacturing Risks
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Ammunition / Firearms Manufacturers
IAT Insurance Group
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Boat/PWC Rental Operations
HabPro Insurance
Jencap - Locations Nationwide
Building Supplies
Brecht & Associates Cannasure Insurance Services Distinguished Programs Gorst & Compass Insurance
James River Insurance Company May Specialty Underwriters New England Excess Exchange Normandy Insurance
Pacific Excess Insurance Marketing
Philadelphia Insurance Companies
Quirk & Company Risk Placement Services Sacramento
Smart Choice Express Markets
The McGowan Companies Victor Insurance Managers LLC Vintage Underwriters Wholesure
Owners, Landlords & Tenants (OLT) ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Steadily
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Lessor`s Risk ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
REInsurePro Renters Legal Liability - RLL
Ascendant Insurance Solutions
Admiral Insurance Group
(Italicized companies offer binding authority.)
■ Not Available
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Access One80
Homeowners Associations ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
■ West
Admiral Insurance Group
CRC Tapco Distinguished Programs
James River Insurance Company Jencap - Locations Nationwide May Specialty Underwriters Philadelphia Insurance Companies
42 | INSURANCE JOURNAL | JULY 27, 2026
■■ ■ ■ ■ ■■ ■ ■ ■
Jencap - Locations Nationwide
James River Insurance Company
Joseph Chiarello & Co ; Firearms Business Insurance
Kinsale Insurance Company
Continental Underwriters
Kinsale Insurance Company
Chemical Manufacturers ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Access E&S Insurance Services James River Insurance Company
Jencap - Locations Nationwide Jencap Specialty Insurance Services (Environmental)
NeitClem Wholesale Insurance Brokerage Inc. SPG Environmental
Electrical & Electronic Equip. Manufacturers ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Jencap - Locations Nationwide Nationwide Philadelphia Insurance Companies Quirk & Company
UFG Specialty
Boat Repair Operations - Yards
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Kinsale Insurance Company
LIG Marine Managers Sun Coast General Insurance Agency
Innovation Growth Partners Specialty LLC (IGP Specialty) Markel Personal Lines Norvos Insurance Prime Insurance Company
Bumbershoot ■■ ■ ■ ■
Cargo
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Innovation Growth Partners Specialty LLC (IGP Specialty) Innovation Growth Partners Specialty LLC (IGP Specialty)
Integrated Specialty Coverages (ISC) Kinsale Insurance Company The Hartford Transportation Risk Underwriters
Charter Boats - Bareboat ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Innovation Growth Partners Specialty LLC (IGP Specialty) Markel Personal Lines Norvos Insurance
Charter Boats - Skippered ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Innovation Growth Partners Specialty LLC (IGP Specialty) JSM Brokerage Insurance and Risk Management Markel Personal Lines Norvos Insurance Sun Coast General Insurance Agency
www.insurancejournal.com
Legend:
■ East
■ Midwest
■ Southeast
■ Texas/South Central
Commercial Marine ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Innovation Growth Partners Specialty LLC (IGP Specialty)
Integrated Specialty Coverages (ISC) Norvos Insurance
Container (Marine) Insurance ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
International Transportation & Marine Agency Inc.
Norvos Insurance R.E. Chaix & Associates Insurance Brokers
Dry Storage ■■ ■ ■ ■
Innovation Growth Partners Specialty LLC (IGP Specialty)
Excess Liability ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Innovation Growth Partners Specialty LLC (IGP Specialty) LIG Marine Managers
Norvos Insurance
Fishing Boats Commercial ■■ ■ ■ ■ ■■ ■ ■ ■
Markel Personal Lines Norvos Insurance
Fishing Guides ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Markel Personal Lines Norvos Insurance Sportunderwriters.com
High Performance Boats ■■ ■ ■ ■ ■■ ■ ■ ■
Hull/P&I
Amwins - 155+ Locations Worldwide Innovation Growth Partners Specialty LLC (IGP Specialty) Integrated Specialty Coverages (ISC) LIG Marine Managers
Markel Personal Lines Normandy Insurance Norvos Insurance
Sun Coast General Insurance Agency
Private Pleasure Yachts ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Bass Underwriters
Hull & Company Innovation Growth Partners Specialty LLC (IGP Specialty) JSM Brokerage Insurance and Risk Management Markel Personal Lines Mexpro.com / NFP
Norvos Insurance
Sun Coast General Insurance Agency
Recreational Marine ■■ ■ ■ ■ ■■ ■ ■ ■
JSM Brokerage Insurance and Risk Management Norvos Insurance
Ship Repairers ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Innovation Growth Partners Specialty LLC (IGP Specialty) JSM Brokerage Insurance and Risk Management LIG Marine Managers
Ski Boat/Small Boat Package ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Foremost Insurance Group
Markel Personal Lines Norvos Insurance
South & Western General Agency Inc.
Watercraft - Liability & Physical Damage ■■ ■ ■ ■ Foremost Insurance Group ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Jencap - Locations Nationwide Markel Personal Lines Mexico Insurance Online Mexpro.com / NFP
South & Western General Agency Inc.
Wet Marine ■■ ■ ■ ■
International Transportation & Marine Agency Inc.
Yacht Clubs ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Innovation Growth Partners Specialty LLC (IGP Specialty) Legacy Employer Concepts LLC Mexico Insurance Online
Jet Pump Boats
Nonprofit & Related
Jet Ski/PWC
Charitable Organizations
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Markel Personal Lines Foremost Insurance Group
Markel Personal Lines
Mexpro.com / NFP South & Western General Agency Inc.
Marina Operators ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Innovation Growth Partners Specialty LLC (IGP Specialty) JSM Brokerage Insurance and Risk Management McGowan Allied Specialty Insurance
Mexico Insurance Online
Sun Coast General Insurance Agency
Marinas, Boat Dealers/Repairers
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Brecht & Associates GIC Underwriters Inc.
Hull & Company JSM Brokerage Insurance and Risk Management LIG Marine Managers
Mexico Insurance Online
Roush Insurance Services Inc.
Marine Pollution ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Innovation Growth Partners Specialty LLC (IGP Specialty) JSM Brokerage Insurance and Risk Management Virtue Risk Partners LLC
Maritime Employers Liability (MEL) ■■ ■ ■ ■ ■■ ■ ■ ■
Innovation Growth Partners Specialty LLC (IGP Specialty) LIG Marine Managers
Ocean Marine ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
DeCotis Specialty Insurance Innovation Growth Partners Specialty LLC (IGP Specialty) International Transportation & Marine Agency Inc.
Kinsale Insurance Company LIG Marine Managers
Normandy Insurance SPG Wholesale
Transportation Risk Underwriters
USASIA Insurance Services
Passenger Vessel - Excursions ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Hull & Company Innovation Growth Partners Specialty LLC (IGP Specialty) JSM Brokerage Insurance and Risk Management LIG Marine Managers
Markel Personal Lines Norvos Insurance
Personal Watercraft - Liability & Phys Damage ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Foremost Insurance Group
Markel Personal Lines Mexico Insurance Online Mexpro.com / NFP
Norvos Insurance
www.insurancejournal.com
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
AMIS/Alliance Marketing & Insurance Services LLC Berkley Select | a Berkley Company
Berkley Select | a Berkley Company
Care Providers Insurance Services
Nonprofits Insurance Alliance Sports & Wellness Insurance
Oil & Gas Control of Well/OEE ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Global Special Risks
Kinsale Insurance Company Quirk & Company
Western Surplus Lines Agency Inc.
Oil & Gas Risks ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Amwins - 155+ Locations Worldwide Brecht & Associates Global Special Risks
James River Insurance Company Jencap - Locations Nationwide Kinsale Insurance Company Maverick Commercial Insurance Services Quirk & Company RT Specialty Southwest Risk Western Surplus Lines Agency Inc.
Petrochemical Risks ■■ ■ ■ ■
James River Insurance Company
Products Liability Chemical Products ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Canon Insurance Service James River Insurance Company Jencap - Locations Nationwide Jencap Specialty Insurance Services (Environmental) SPG Environmental
Chemical Properties ■■ ■ ■ ■ ■■ ■ ■ ■
Jencap - Locations Nationwide Jencap Specialty Insurance Services (Environmental)
Cosmetics Products
Canon Insurance Service
Negley Associates
Hazardous Products
Nonprofits Insurance Alliance Berkley Select | a Berkley Company
Care Providers Insurance Services
Gateway Specialty Insurance Jencap - Locations Nationwide Nationwide New England Excess Exchange Nonprofits Insurance Alliance
Addiction Treatment Providers Insurance Program Allsouth Professional Liability AMIS/Alliance Marketing & Insurance Services LLC Amwins - 155+ Locations Worldwide Ascendant Insurance Solutions Berkley Select | a Berkley Company Care Providers Insurance Services
CID Insurance Programs Inc. DeCotis Specialty Insurance Eaton Professional Insurance Services Gateway Specialty Insurance GIC Underwriters Inc.
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Euclid Life Science Specialty LLC Professional Program Ins. Brokerage, a Div of SPG
Canon Insurance Service Donald Gaddis Company Inc. Insurance Services James River Insurance Company Jencap - Locations Nationwide Jencap Specialty Insurance Services (Environmental)
Jimcor Agencies
Medical Products ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Access E&S Insurance Services Admiral Insurance Group CIS Insurance Services - The Cannabis Insurance Co. Euclid Life Science Specialty LLC
James River Insurance Company
Professional Program Ins. Brokerage, a Div of SPG RT Specialty
New Products ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Donald Gaddis Company Inc. Insurance Services Euclid Life Science Specialty LLC Jimcor Agencies
Philadelphia Insurance Companies
Nutraceuticals
Admiral Insurance Group CIS Insurance Services - The Cannabis Insurance Co.
Johnson & Johnson Kinsale Insurance Company Legacy Employer Concepts LLC Maverick Commercial Insurance Services
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Nonprofits Insurance Alliance
Pharmaceuticals
Innovation Growth Partners Specialty LLC (IGP Specialty) Irwin Siegel Agency
Jencap - Locations Nationwide
Negley Associates
Norman-Spencer Agency LLC
Roush Insurance Services Inc.
Shelly, Middlebrooks & O’Leary Inc.
Sports & Wellness Insurance
Victor Insurance Managers LLC
Religious Organizations ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Gateway Specialty Insurance Irwin Siegel Agency
Nonprofit Organizations ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Volunteers
Care Providers Insurance Services
Clubs/Groups
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
(Italicized companies offer binding authority.)
■ Not Available
AMIS/Alliance Marketing & Insurance Services LLC Berkley Select | a Berkley Company Care Providers Insurance Services
Gateway Specialty Insurance Jencap - Locations Nationwide
Promont Insurance Advisors Shelly, Middlebrooks & O’Leary Inc.
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Euclid Life Science Specialty LLC
James River Insurance Company Kinsale Insurance Company
LifeScienceRisk Professional Program Ins. Brokerage, a Div of SPG
RT Specialty
Admiral Insurance Group
Euclid Life Science Specialty LLC
Hull & Company James River Insurance Company Jencap - Locations Nationwide LifeScienceRisk RT Specialty
Product Contamination/Recall ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Amwins - 155+ Locations Worldwide Cooper & McCloskey Inc. Great American Risk Solutions Jencap - Locations Nationwide Jencap Specialty Insurance Services (Environmental) Jimcor Agencies
Kinsale Insurance Company JULY 27, 2026 | INSURANCE JOURNAL | 43
2026 Specialty Markets Directory, Summer Edition
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Markel Personal Lines Norvos Insurance
■ West
Legend:
■ East
■ Midwest
■ Southeast
■ Texas/South Central
2026 Specialty Markets Directory, Summer Edition
Products Liability (General) ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Admiral Insurance Group Amwins - 155+ Locations Worldwide Brecht & Associates Cannasure Insurance Services
■■ ■ ■ ■ ■■ ■ ■ ■
InsuranceHelper.com
James Klein Insurance James River Insurance Company Jencap - Locations Nationwide
Kinsale Insurance Company
MAXIMUM May Specialty Underwriters Nationwide NeitClem Wholesale Insurance Brokerage Inc. Nonprofits Insurance Alliance Pacific Excess Insurance Marketing
Philadelphia Insurance Companies
Professional Program Ins. Brokerage, a Div of SPG
R.E. Chaix & Associates Insurance Brokers RT Specialty Southwest Risk SPG Wholesale
TDC Specialty Underwriters The Mechanic Group, Inc., A Division of SPG LLC
USASIA Insurance Services Vintage Underwriters
Walter General Agency (WGA)
Western Surplus Lines Agency Inc.
XPT Specialty
Euclid Life Science Specialty LLC
Canon Insurance Service Kinsale Insurance Company
Allsouth Professional Liability Applied Financial Lines Brooks Insurance Agency Cooper & McCloskey Inc. FTP Inc. Innovation Growth Partners Specialty LLC (IGP Specialty) James River Insurance Company Johnson & Johnson Norman-Spencer International Inc.
Quirk & Company
Synergy Professional Associates Inc. The Hartford
Innovation Growth Partners Specialty LLC (IGP Specialty) Synergy Professional Associates Inc.
Advertising Agencies ■■ ■ ■ ■ ■■ ■ ■ ■
Innovation Growth Partners Specialty LLC (IGP Specialty) The Hartford
Alarm Installers ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
AMIS/Alliance Marketing & Insurance Services LLC
■■ ■ ■ ■
Bankers ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Innovation Growth Partners Specialty LLC (IGP Specialty) Innovation Growth Partners Specialty LLC (IGP Specialty) Brooks Insurance Agency Brownyard Group
Innovation Growth Partners Specialty LLC (IGP Specialty) Johnson & Johnson Professional Program Ins. Brokerage, a Div of SPG REInsurePro Shelly, Middlebrooks & O’Leary Inc.
Billing Services (Incl. Medical) ■■ ■ ■ ■ ■■ ■ ■ ■
Innovation Growth Partners Specialty LLC (IGP Specialty) Professional Underwriters Agency (PUA)
Bookkeepers ■■ ■ ■ ■ ■■ ■ ■ ■
Berkley Select | a Berkley Company Innovation Growth Partners Specialty LLC (IGP Specialty)
Broadcasters & Publishers
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Caterers ■■ ■ ■ ■
Apogee Insurance Group, a Berkshire Hathaway Company Cooper & McCloskey Inc. Innovation Growth Partners Specialty LLC (IGP Specialty) Innovation Growth Partners Specialty LLC (IGP Specialty)
Collection Agencies ■■ ■ ■ ■
Innovation Growth Partners Specialty LLC (IGP Specialty)
Computer & EDP Consultants ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Donald Gaddis Company Inc. Insurance Services Eaton Professional Insurance Services Executive Insurance Professionals, PLLC Innovation Growth Partners Specialty LLC (IGP Specialty) Professional Underwriters Agency (PUA)
Synergy Professional Associates Inc.
Consultants (General) ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Access E&S Insurance Services Admiral Insurance Group Apogee Insurance Group, a Berkshire Hathaway Company Cooper & McCloskey Inc. Eaton Professional Insurance Services Global Special Risks
Innovation Growth Partners Specialty LLC (IGP Specialty) James River Insurance Company Nonprofits Insurance Alliance Norman-Spencer International Inc. Professional Insurance Concepts Professional Underwriters Agency (PUA) Synergy Professional Associates Inc.
Contractors ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Applied Financial Lines Innovation Growth Partners Specialty LLC (IGP Specialty) James River Insurance Company Norman-Spencer International Inc. Philadelphia Insurance Companies Professional Underwriters Agency (PUA) Virtue Risk Partners LLC
Counselors
Innovation Growth Partners Specialty LLC (IGP Specialty) Nonprofits Insurance Alliance
Brownyard Group
■■ ■ ■ ■ ■■ ■ ■ ■
The Mechanic Group, Inc., A Division of SPG LLC
Court Reporters
Innovation Growth Partners Specialty LLC (IGP Specialty)
Architects & Engineers ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
The Hartford XPT Specialty
Beauticians
Euclid Life Science Specialty LLC
Accountants
Actuaries
Target Professional Programs
FTP Inc. Gorst & Compass Insurance Great American Risk Solutions
Professional Liability ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Synergy Professional Associates Inc.
Asset Managers
Products Recall Expense Ins. ■■ ■ ■ ■ ■■ ■ ■ ■
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
5Star Specialty Programs
Access E&S Insurance Services Admiral Insurance Group Allsouth Professional Liability Amwins - 155+ Locations Worldwide Apogee Insurance Group, a Berkshire Hathaway Company Applied Financial Lines Brooks Insurance Agency CID Insurance Programs Inc. Cooper & McCloskey Inc. Donald Gaddis Company Inc. Insurance Services Eaton Professional Insurance Services Global Special Risks
Hull & Company Innovation Growth Partners Specialty LLC (IGP Specialty) James River Insurance Company Johnson & Johnson Kinsale Insurance Company NeitClem Wholesale Insurance Brokerage Inc. Professional Underwriters Agency (PUA)
ProWriters Smart Choice Express Markets
44 | INSURANCE JOURNAL | JULY 27, 2026
■■ ■ ■ ■
Crime
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Innovation Growth Partners Specialty LLC (IGP Specialty) Berkley Select | a Berkley Company Brooks Insurance Agency Hudson Insurance Group / Hudson Pro (TM) Innovation Growth Partners Specialty LLC (IGP Specialty) Johnson & Johnson
Philadelphia Insurance Companies Professional Insurance Concepts ProWriters Wilkoff Bonds
Cyber Liability ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
(Italicized companies offer binding authority.)
■ Not Available
Canon Insurance Service CIS Insurance Services - The Cannabis Insurance Co. Continental Underwriters DeCotis Specialty Insurance Donald Gaddis Company Inc. Insurance Services
Products Liability (Retroactive) ■■ ■ ■ ■
■ West
Access E&S Insurance Services Amwins - 155+ Locations Worldwide Apogee Insurance Group, a Berkshire Hathaway Company Applied Financial Lines Brooks Insurance Agency Cooper & McCloskey Inc. DeCotis Specialty Insurance Eaton Professional Insurance Services Hull & Company Innovation Growth Partners Specialty LLC (IGP Specialty)
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Irwin Siegel Agency
Jencap - Locations Nationwide Johnson & Johnson Kevin Davis Insurance Services
Philadelphia Insurance Companies
ProWriters Quirk & Company R.E. Chaix & Associates Insurance Brokers Synergy Professional Associates Inc. The Hartford The McGowan Companies
Transportation Risk Underwriters
World Wide Specialty, a Div of Philadelphia Ins. Co’s
E&O (General) ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
5Star Specialty Programs
Access E&S Insurance Services Admiral Insurance Group Allsouth Professional Liability AMIS/Alliance Marketing & Insurance Services LLC Apogee Insurance Group, a Berkshire Hathaway Company Applied Financial Lines Brooks Insurance Agency CID Insurance Programs Inc. DeCotis Specialty Insurance Donald Gaddis Company Inc. Insurance Services Eaton Professional Insurance Services FTP Inc. GIC Underwriters Inc.
Hudson Insurance Group / Hudson Pro (TM) Innovation Growth Partners Specialty LLC (IGP Specialty) James Klein Insurance James River Insurance Company Jencap - Locations Nationwide Johnson & Johnson Joseph Krar & Associates Inc. Kinsale Insurance Company MAXIMUM NeitClem Wholesale Insurance Brokerage Inc. Nonprofits Insurance Alliance
Philadelphia Insurance Companies
ProWriters Quadrant Insurance Managers Quirk & Company R.E. Chaix & Associates Insurance Brokers River Valley Underwriters Inc.
Roush Insurance Services Inc. RT Specialty Smart Choice Express Markets Synergy Professional Associates Inc. The Hartford The McGowan Companies
Transportation Risk Underwriters USASIA Insurance Services
World Wide Specialty, a Div of Philadelphia Ins. Co’s XPT Specialty
E&S Brokers & MGAs ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Admiral Insurance Group Innovation Growth Partners Specialty LLC (IGP Specialty) Quadrant Insurance Managers Synergy Professional Associates Inc.
Employment Practices Liability ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
5Star Specialty Programs
AMIS/Alliance Marketing & Insurance Services LLC Apogee Insurance Group, a Berkshire Hathaway Company Berkley Select | a Berkley Company Brooks Insurance Agency Cooper & McCloskey Inc. Donald Gaddis Company Inc. Insurance Services Eaton Professional Insurance Services Hudson Insurance Group / Hudson Pro (TM) Hull & Company IAT Insurance Group
Innovation Growth Partners Specialty LLC (IGP Specialty) Jimcor Agencies
Johnson & Johnson Kinsale Insurance Company NeitClem Wholesale Insurance Brokerage Inc. Nonprofits Insurance Alliance
Philadelphia Insurance Companies
Professional Insurance Concepts ProWriters Quadrant Insurance Managers R.E. Chaix & Associates Insurance Brokers Starwind Community Associations
Synergy Professional Associates Inc.
Target Professional Programs World Wide Specialty, a Div of Philadelphia Ins. Co’s
XPT Specialty
Environmental E&O
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Access E&S Insurance Services Applied Financial Lines Brooks Insurance Agency Freberg Environmental Inc.
Innovation Growth Partners Specialty LLC (IGP Specialty) Philadelphia Insurance Companies SPG Environmental
www.insurancejournal.com
Legend:
■ East
■ Midwest
■ Southeast
■ Texas/South Central
Escrow Agents ■■ ■ ■ ■
Innovation Growth Partners Specialty LLC (IGP Specialty)
Executive Recruiters/Employment Agencies ■■ ■ ■ ■
Innovation Growth Partners Specialty LLC (IGP Specialty)
Fiduciary Liability ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
5Star Specialty Programs
Brooks Insurance Agency Hudson Insurance Group / Hudson Pro (TM) Innovation Growth Partners Specialty LLC (IGP Specialty) Johnson & Johnson Professional Insurance Concepts Synergy Professional Associates Inc. Wilkoff Bonds
Financial Institution ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
5Star Specialty Programs
Applied Financial Lines Brooks Insurance Agency Hudson Insurance Group / Hudson Pro (TM) Innovation Growth Partners Specialty LLC (IGP Specialty) Johnson & Johnson ProWriters RT Specialty
Financial Planners ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
5Star Specialty Programs
Hudson Insurance Group / Hudson Pro (TM) Innovation Growth Partners Specialty LLC (IGP Specialty)
Firearm Instructors ■■ ■ ■ ■ ■■ ■ ■ ■
Innovation Growth Partners Specialty LLC (IGP Specialty) Joseph Chiarello & Co ; Firearms Business Insurance
Funeral Directors ■■ ■ ■ ■
Innovation Growth Partners Specialty LLC (IGP Specialty)
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Innovation Growth Partners Specialty LLC (IGP Specialty) Jimcor Agencies Norman-Spencer Agency LLC
RealCare Insurance
Target Professional Programs
Homeowner Associations Liability ■■ ■ ■ ■
Innovation Growth Partners Specialty LLC (IGP Specialty)
Insurance Adjusters ■■ ■ ■ ■ ■■ ■ ■ ■
Innovation Growth Partners Specialty LLC (IGP Specialty) Quadrant Insurance Managers
Insurance Agents & Brokers E&O ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
5Star Specialty Programs
Amwins - 155+ Locations Worldwide Brooks Insurance Agency Cooper & McCloskey Inc. Eaton Professional Insurance Services Hudson Insurance Group / Hudson Pro (TM) Innovation Growth Partners Specialty LLC (IGP Specialty) James River Insurance Company Jencap - Locations Nationwide Johnson & Johnson MiniCo Insurance Agency, a Jencap Company
Number One Insurance Agency
Professional Insurance Concepts
ProWriters
Quadrant Insurance Managers Sun Coast General Insurance Agency
Synergy Professional Associates Inc. Target Professional Programs Wholesure
Interior Designers ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Allsouth Professional Liability Innovation Growth Partners Specialty LLC (IGP Specialty) Professional Underwriters Agency (PUA)
Internet Risks ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Eaton Professional Insurance Services Innovation Growth Partners Specialty LLC (IGP Specialty) ProWriters
Investment Advisory Reps ■■ ■ ■ ■
ProWriters
Land Surveyors ■■ ■ ■ ■
Innovation Growth Partners Specialty LLC (IGP Specialty)
Landscape Architects ■■ ■ ■ ■
Innovation Growth Partners Specialty LLC (IGP Specialty)
Landscapers ■■ ■ ■ ■ ■■ ■ ■ ■
Brownyard Group
Innovation Growth Partners Specialty LLC (IGP Specialty)
www.insurancejournal.com
Lawyers ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
5Star Specialty Programs
Allsouth Professional Liability Applied Financial Lines Berkley Select | a Berkley Company Brooks Insurance Agency Cooper & McCloskey Inc. FTP Inc. Innovation Growth Partners Specialty LLC (IGP Specialty) James River Insurance Company Johnson & Johnson Number One Insurance Agency Professional Insurance Concepts
ProWriters
Synergy Professional Associates Inc.
Media Professionals ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Apogee Insurance Group, a Berkshire Hathaway Company Brooks Insurance Agency Cooper & McCloskey Inc. Donald Gaddis Company Inc. Insurance Services Eaton Professional Insurance Services Hudson Insurance Group / Hudson Pro (TM) Hull & Company Innovation Growth Partners Specialty LLC (IGP Specialty) Johnson & Johnson
Meeting Planners ■■ ■ ■ ■ ■■ ■ ■ ■
Innovation Growth Partners Specialty LLC (IGP Specialty) InsuranceHelper.com
Misc. Professional Liability
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
5Star Specialty Programs
Access E&S Insurance Services Access One80
Admiral Insurance Group Allsouth Professional Liability Apogee Insurance Group, a Berkshire Hathaway Company Brooks Insurance Agency Charity First Insurance Services Inc. CID Insurance Programs Inc. Cooper & McCloskey Inc. Donald Gaddis Company Inc. Insurance Services Eaton Professional Insurance Services Executive Insurance Professionals, PLLC Hudson Insurance Group / Hudson Pro (TM) Hull & Company Innovation Growth Partners Specialty LLC (IGP Specialty) James River Insurance Company Jencap - Locations Nationwide Johnson & Johnson
Kinsale Insurance Company
MiniCo Insurance Agency, a Jencap Company
NeitClem Wholesale Insurance Brokerage Inc. Nonprofits Insurance Alliance Norman-Spencer International Inc. Professional Insurance Concepts
Professional Program Ins. Brokerage, a Div of SPG Professional Underwriters Agency (PUA)
ProWriters Quadrant Insurance Managers Quirk & Company Roush Insurance Services Inc. RT Specialty Smart Choice Express Markets SPG Wholesale
Sun Coast General Insurance Agency
Synergy Professional Associates Inc. Target Professional Programs The McGowan Companies
XPT Specialty
Mortgage Brokers ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Innovation Growth Partners Specialty LLC (IGP Specialty) InsuranceHelper.com
Innovation Growth Partners Specialty LLC (IGP Specialty) Apex Professional Governmental Underwriters
Private Investigators ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Real Estate Agents
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Allsouth Professional Liability Brooks Insurance Agency Eaton Professional Insurance Services Innovation Growth Partners Specialty LLC (IGP Specialty) Johnson & Johnson Norman-Spencer Agency LLC
ProWriters RealCare Insurance Synergy Professional Associates Inc.
Real Estate Appraisers ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Innovation Growth Partners Specialty LLC (IGP Specialty) Jimcor Agencies Norman-Spencer Agency LLC
ProWriters RealCare Insurance
Sun Coast General Insurance Agency Target Professional Programs
Registered Investment Advisors ■■ ■ ■ ■ ■■ ■ ■ ■
Access E&S Insurance Services Innovation Growth Partners Specialty LLC (IGP Specialty)
School Board/Public Officials ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Allsouth Professional Liability Apex
Innovation Growth Partners Specialty LLC (IGP Specialty) Professional Governmental Underwriters
Security Guard & Detective Agencies
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
AMIS/Alliance Marketing & Insurance Services LLC Brownyard Group
Innovation Growth Partners Specialty LLC (IGP Specialty) Prime Insurance Company The Mechanic Group, Inc., A Division of SPG LLC
Sports Agents ■■ ■ ■ ■
Innovation Growth Partners Specialty LLC (IGP Specialty)
Stand- Alone Fiduciary ■■ ■ ■ ■ ■■ ■ ■ ■
Innovation Growth Partners Specialty LLC (IGP Specialty) Synergy Professional Associates Inc.
Tax Preparers
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Berkley Select | a Berkley Company Innovation Growth Partners Specialty LLC (IGP Specialty) Norman-Spencer International Inc.
Professional Underwriters Agency (PUA)
Technology Professionals ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
5Star Specialty Programs
Access E&S Insurance Services Apogee Insurance Group, a Berkshire Hathaway Company Brooks Insurance Agency Donald Gaddis Company Inc. Insurance Services Eaton Professional Insurance Services Hudson Insurance Group / Hudson Pro (TM) Innovation Growth Partners Specialty LLC (IGP Specialty) Johnson & Johnson ProWriters Quadrant Insurance Managers Synergy Professional Associates Inc.
Telecommunications ■■ ■ ■ ■
Innovation Growth Partners Specialty LLC (IGP Specialty)
Third Party Administrators
Norman-Spencer Agency LLC
Police/Law Enforcement Officers ■■ ■ ■ ■ ■■ ■ ■ ■
Allsouth Professional Liability Innovation Growth Partners Specialty LLC (IGP Specialty) ProWriters RealCare Insurance Synergy Professional Associates Inc.
ProWriters RealCare Insurance
Photographers
■■ ■ ■ ■
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Temporary Personnel Agencies
Party Coordinators ■■ ■ ■ ■
Property Managers
Allsouth Professional Liability Cooper & McCloskey Inc. Mexico Insurance Online
Paging & Answering Services ■■ ■ ■ ■
(Italicized companies offer binding authority.)
■ Not Available
AMIS/Alliance Marketing & Insurance Services LLC Brownyard Group
Innovation Growth Partners Specialty LLC (IGP Specialty)
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Innovation Growth Partners Specialty LLC (IGP Specialty)
World Wide Specialty, a Div of Philadelphia Ins. Co’s
Innovation Growth Partners Specialty LLC (IGP Specialty) Synergy Professional Associates Inc.
Title Agents
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Allsouth Professional Liability Brooks Insurance Agency Innovation Growth Partners Specialty LLC (IGP Specialty) Johnson & Johnson Norman-Spencer Agency LLC
Tour Operators ■■ ■ ■ ■
Innovation Growth Partners Specialty LLC (IGP Specialty)
Travel Agents ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Innovation Growth Partners Specialty LLC (IGP Specialty) Mexico Insurance Online ProWriters Shelly, Middlebrooks & O’Leary Inc.
JULY 27, 2026 | INSURANCE JOURNAL | 45
2026 Specialty Markets Directory, Summer Edition
Home Inspectors
■ West
Legend:
■ East
■ Midwest
■ Southeast
■ Texas/South Central
Truck Brokers ■■ ■ ■ ■ ■■ ■ ■ ■
Innovation Growth Partners Specialty LLC (IGP Specialty) Transportation Risk Underwriters
Truck Drivers/Operators ■■ ■ ■ ■
Innovation Growth Partners Specialty LLC (IGP Specialty)
Venture Capitalist ■■ ■ ■ ■
Innovation Growth Partners Specialty LLC (IGP Specialty)
Web Site Designers ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Eaton Professional Insurance Services Innovation Growth Partners Specialty LLC (IGP Specialty) ProWriters
Professional Liability--Medical Fields Abortion Clinics ■■ ■ ■ ■ ■■ ■ ■ ■
Charity First Insurance Services Inc. Innovation Growth Partners Specialty LLC (IGP Specialty)
Acupuncturists ■■ ■ ■ ■
Innovation Growth Partners Specialty LLC (IGP Specialty)
Alcohol/Drug Rehabilitation Centers
2026 Specialty Markets Directory, Summer Edition
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Allergists ■■ ■ ■ ■
Addiction Treatment Providers Insurance Program Gateway Specialty Insurance Innovation Growth Partners Specialty LLC (IGP Specialty)
Irwin Siegel Agency
James River Insurance Company Jencap - Locations Nationwide Negley Associates Promont Insurance Advisors TDC Specialty Underwriters
Innovation Growth Partners Specialty LLC (IGP Specialty)
Allied Health Care ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Access E&S Insurance Services Ascendant Insurance Solutions Brooks Insurance Agency Charity First Insurance Services Inc. CID Insurance Programs Inc. Eaton Professional Insurance Services Gateway Specialty Insurance Innovation Growth Partners Specialty LLC (IGP Specialty) Jencap - Locations Nationwide Johnson & Johnson ProWriters Shelly, Middlebrooks & O’Leary Inc.
Smart Choice Express Markets
TDC Specialty Underwriters
Assisted Living Facilities ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Amalgamated Insurance Underwriters Amwins - 155+ Locations Worldwide Charity First Insurance Services Inc. Great American Risk Solutions Innovation Growth Partners Specialty LLC (IGP Specialty)
James River Insurance Company Jencap - Locations Nationwide Kinsale Insurance Company Promont Insurance Advisors
Sapphire Blue
■ West
Dentists ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Allsouth Professional Liability
Innovation Growth Partners Specialty LLC (IGP Specialty) James River Insurance Company
Healthcare Administrative E&O ■■ ■ ■ ■
Innovation Growth Partners Specialty LLC (IGP Specialty)
Healthcare Facilities (Misc.) ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Access E&S Insurance Services
Admiral Insurance Group
Amalgamated Insurance Underwriters Apogee Insurance Group, a Berkshire Hathaway Company Berkley Select | a Berkley Company Brooks Insurance Agency Cooper & McCloskey Inc. Gateway Specialty Insurance Innovation Growth Partners Specialty LLC (IGP Specialty) James River Insurance Company Professional Program Ins. Brokerage, a Div of SPG Promont Insurance Advisors
Home Health Agencies ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Care Providers Insurance Services Donald Gaddis Company Inc. Insurance Services
Eaton Professional Insurance Services Gateway Specialty Insurance Hull & Company
Innovation Growth Partners Specialty LLC (IGP Specialty) James River Insurance Company Jencap - Locations Nationwide Jimcor Agencies
Nonprofits Insurance Alliance
Promont Insurance Advisors Quirk & Company
Sapphire Blue
TDC Specialty Underwriters
Hospice Care Programs ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Hospitals ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Care Providers Insurance Services
Gateway Specialty Insurance Innovation Growth Partners Specialty LLC (IGP Specialty) James River Insurance Company Negley Associates
Nonprofits Insurance Alliance
TDC Specialty Underwriters
Amwins - 155+ Locations Worldwide Brooks Insurance Agency Hudson Insurance Group / Hudson Pro (TM) Innovation Growth Partners Specialty LLC (IGP Specialty) Johnson & Johnson Kinsale Insurance Company Negley Associates
RT Specialty Smart Choice Express Markets
TDC Specialty Underwriters
Kidney Dialysis Facilities ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Cooper & McCloskey Inc. James River Insurance Company Jencap - Locations Nationwide TDC Specialty Underwriters
Managed Care Organizations
Brooks Insurance Agency Innovation Growth Partners Specialty LLC (IGP Specialty) Johnson & Johnson
Chiropractors
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Clinical Trials
Medical & Physical Rehab Facilities
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
TDC Specialty Underwriters
Innovation Growth Partners Specialty LLC (IGP Specialty) Access E&S Insurance Services Cooper & McCloskey Inc. Innovation Growth Partners Specialty LLC (IGP Specialty) James River Insurance Company Jencap - Locations Nationwide RT Specialty
College/University Health Centers
■■ ■ ■ ■
TDC Specialty Underwriters
Community Health Centers
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Gateway Specialty Insurance Innovation Growth Partners Specialty LLC (IGP Specialty) Negley Associates
Nonprofits Insurance Alliance
TDC Specialty Underwriters
Counseling/Mental Health Facilities
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Gateway Specialty Insurance Innovation Growth Partners Specialty LLC (IGP Specialty)
Irwin Siegel Agency Negley Associates
Nonprofits Insurance Alliance
TDC Specialty Underwriters
46 | INSURANCE JOURNAL | JULY 27, 2026
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
TDC Specialty Underwriters
Amalgamated Insurance Underwriters Gateway Specialty Insurance Innovation Growth Partners Specialty LLC (IGP Specialty) James River Insurance Company Promont Insurance Advisors TDC Specialty Underwriters
Medical Imaging Centers ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Admiral Insurance Group Apogee Insurance Group, a Berkshire Hathaway Company Gateway Specialty Insurance Innovation Growth Partners Specialty LLC (IGP Specialty) James River Insurance Company Jencap - Locations Nationwide Promont Insurance Advisors TDC Specialty Underwriters
Medical Malpractice
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
(Italicized companies offer binding authority.)
■ Not Available
Access E&S Insurance Services
Admiral Insurance Group
Allsouth Professional Liability Brooks Insurance Agency Cooper & McCloskey Inc. Donald Gaddis Company Inc. Insurance Services FTP Inc. Hudson Insurance Group / Hudson Pro (TM) Innovation Growth Partners Specialty LLC (IGP Specialty)
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
James River Insurance Company Johnson & Johnson
Kinsale Insurance Company
NeitClem Wholesale Insurance Brokerage Inc. Smart Choice Express Markets TDC Specialty Underwriters
Medical Testing Labs ■■ ■ ■ ■
Innovation Growth Partners Specialty LLC (IGP Specialty)
Misc. Professional Liability - Medical Fields ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Nurses
■■ ■ ■ ■
Access E&S Insurance Services
Admiral Insurance Group
Allsouth Professional Liability Apogee Insurance Group, a Berkshire Hathaway Company Brooks Insurance Agency Donald Gaddis Company Inc. Insurance Services Eaton Professional Insurance Services Hudson Insurance Group / Hudson Pro (TM) Innovation Growth Partners Specialty LLC (IGP Specialty) Jencap - Locations Nationwide Johnson & Johnson Professional Program Ins. Brokerage, a Div of SPG Promont Insurance Advisors
Smart Choice Express Markets XPT Specialty
Innovation Growth Partners Specialty LLC (IGP Specialty)
Nursing/Convalescent Homes ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Amalgamated Insurance Underwriters Cooper & McCloskey Inc. Great American Risk Solutions Innovation Growth Partners Specialty LLC (IGP Specialty) James River Insurance Company Sapphire Blue
Osteopaths ■■ ■ ■ ■
Kinsale Insurance Company
Outpatient Clinics ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Admiral Insurance Group Cooper & McCloskey Inc. Gateway Specialty Insurance Innovation Growth Partners Specialty LLC (IGP Specialty) Irwin Siegel Agency
James River Insurance Company Jencap - Locations Nationwide Promont Insurance Advisors TDC Specialty Underwriters
Pharmacists ■■ ■ ■ ■
Innovation Growth Partners Specialty LLC (IGP Specialty)
Physician Groups & Clinics ■■ ■ ■ ■ Admiral Insurance Group ■■ ■ ■ ■ ■■ ■ ■ ■
Physicians ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Allsouth Professional Liability
TDC Specialty Underwriters
Allsouth Professional Liability Amwins - 155+ Locations Worldwide Brooks Insurance Agency Hudson Insurance Group / Hudson Pro (TM) Innovation Growth Partners Specialty LLC (IGP Specialty) James River Insurance Company Johnson & Johnson Kinsale Insurance Company RT Specialty TDC Specialty Underwriters
Psychiatrists ■■ ■ ■ ■ ■■ ■ ■ ■
Innovation Growth Partners Specialty LLC (IGP Specialty) Negley Associates
Psychologists ■■ ■ ■ ■ ■■ ■ ■ ■
James River Insurance Company Negley Associates
Specified Medical Professions ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Admiral Insurance Group Allsouth Professional Liability Apogee Insurance Group, a Berkshire Hathaway Company Donald Gaddis Company Inc. Insurance Services Eaton Professional Insurance Services Jencap - Locations Nationwide Synergy Professional Associates Inc.
Surgery Centers
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Apogee Insurance Group, a Berkshire Hathaway Company Innovation Growth Partners Specialty LLC (IGP Specialty) James River Insurance Company TDC Specialty Underwriters
Telemedicine ■■ ■ ■ ■
Hudson Insurance Group / Hudson Pro (TM)
www.insurancejournal.com
Legend:
■ East
■ Midwest
■ Southeast
■ Texas/South Central
Urgent Care Centers ■■ ■ ■ ■
Distinguished Programs Donald Gaddis Company Inc. Insurance Services Flood Risk Solutions Inc. GIC Underwriters Inc. Gorst & Compass Insurance Hinterland Insurance
Condominiums
Innovation Growth Partners Specialty LLC (IGP Specialty) James River Insurance Company
Property--Commercial Apartments
Access One80
Amalgamated Insurance Underwriters Amwins - 155+ Locations Worldwide Berkley Luxury Group, a W.R. Berkley Company bolt Cabrillo Coastal General Insurance Agency LLC CID Insurance Programs Inc.
Great American Risk Solutions HabPro Insurance
Integrated Specialty Coverages (ISC) Jencap - Locations Nationwide Jimcor Agencies
Kinsale Insurance Company MAXIMUM New England Excess Exchange
Pacific Excess Insurance Marketing
REInsurePro
Risk Placement Services Sacramento
RT Specialty Southwest Risk
The McGowan Companies USASIA Insurance Services Victor Insurance Managers LLC XPT Specialty
Capacity or Excess Property Insurance ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Churches
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Canon Insurance Service
Hull & Company James River Insurance Company Jencap - Locations Nationwide The Hartford Access One80
AMIS/Alliance Marketing & Insurance Services LLC Brecht & Associates Care Providers Insurance Services
CID Insurance Programs Inc. Flood Risk Solutions Inc. Gateway Specialty Insurance MAXIMUM
Promont Insurance Advisors Victor Insurance Managers LLC Wholesure
Coastal Property ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Access One80
Amwins - 155+ Locations Worldwide
Continental Underwriters FTP Inc. GIC Underwriters Inc. Gridiron Insurance Underwriters Inc.
Jencap - Locations Nationwide MAXIMUM
River Valley Underwriters Inc. RT Specialty Sovereign Group Int’l Inc. Starwind Community Associations
Commercial Flood (Non-Federal) ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Berkley Luxury Group, a W.R. Berkley Company Flood Risk Solutions Inc. Flow Insurance Services
New England Excess Exchange
Commercial Property
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Access One80
Amalgamated Insurance Underwriters Bass Underwriters
Berkley Luxury Group, a W.R. Berkley Company Brecht & Associates
Cabrillo Coastal General Insurance Agency LLC Cannasure Insurance Services Canon Insurance Service
CID Insurance Programs Inc.
CIS Insurance Services - The Cannabis Insurance Co. Continental Underwriters Distinguished Programs
Executive Insurance Professionals, PLLC Great American Risk Solutions
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Negley Associates NeitClem Wholesale Insurance Brokerage Inc.
Pacific Excess Insurance Marketing
Mercantile
Jencap - Locations Nationwide Joseph Krar & Associates Inc. McLeckie Insurance Group
Mission Underwriting Managers LLC Normandy Insurance
Prime Insurance Company
R.E. Chaix & Associates Insurance Brokers Roush Insurance Services Inc.
Southwest Risk
Starwind Community Associations
Sun Coast General Insurance Agency The Hartford UFG Specialty
Victor Insurance Managers LLC Vintage Underwriters Walter General Agency (WGA) Western Surplus Lines Agency Inc.
Amalgamated Insurance Underwriters Amwins - 155+ Locations Worldwide Bass Underwriters
Berkley Luxury Group, a W.R. Berkley Company bolt Cabrillo Coastal General Insurance Agency LLC Canon Insurance Service
CID Insurance Programs Inc. Distinguished Programs Flood Risk Solutions Inc.
Great American Risk Solutions
Gridiron Insurance Underwriters Inc.
Gridiron Insurance Underwriters Inc. Hinterland Insurance IAT Insurance Group Vintage Underwriters
Office Buildings ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Amalgamated Insurance Underwriters Berkley Luxury Group, a W.R. Berkley Company Cabrillo Coastal General Insurance Agency LLC Distinguished Programs Flood Risk Solutions Inc. Gridiron Insurance Underwriters Inc.
HabPro Insurance
Hinterland Insurance
Jencap - Locations Nationwide Nationwide
Pacific Excess Insurance Marketing
RT Specialty
Victor Insurance Managers LLC Vintage Underwriters
Real Estate Investor
REInsurePro
Southwest Risk
Starwind Community Associations The McGowan Companies Victor Insurance Managers LLC Wholesure
Amwins - 155+ Locations Worldwide Jencap - Locations Nationwide
Starwind Community Associations
Berkley Luxury Group, a W.R. Berkley Company Continental Underwriters Hinterland Insurance
Jencap - Locations Nationwide Pacific Excess Insurance Marketing Poulton Associates
Berkley Luxury Group, a W.R. Berkley Company
CIS Insurance Services - The Cannabis Insurance Co.
Continental Underwriters Hinterland Insurance Irwin Siegel Agency
James River Insurance Company May Specialty Underwriters
McLeckie Insurance Group NeitClem Wholesale Insurance Brokerage Inc. Victor Insurance Managers LLC Vintage Underwriters Western Surplus Lines Agency Inc. World Wide Specialty, a Div of Philadelphia Ins. Co’s
UFG Specialty
Virtue Risk Partners LLC
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Innovation Growth Partners Specialty LLC (IGP Specialty)
REInsurePro
Berkley Luxury Group, a W.R. Berkley Company Flood Risk Solutions Inc. Gorst & Compass Insurance
Great American Risk Solutions Hinterland Insurance Hull & Company IAT Insurance Group
Integrated Specialty Coverages (ISC)
NeitClem Wholesale Insurance Brokerage Inc. Pacific Excess Insurance Marketing Roush Insurance Services Inc.
Southwest Risk
Victor Insurance Managers LLC Western Surplus Lines Agency Inc.
School Districts ■■ ■ ■ ■ ■■ ■ ■ ■
Apex MAXIMUM
Seasonal Property ■■ ■ ■ ■ ■■ ■ ■ ■
New England Excess Exchange REInsurePro
Service Stations ■■ ■ ■ ■
Hinterland Insurance
Shopping Centers ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Cabrillo Coastal General Insurance Agency LLC Flood Risk Solutions Inc.
Great American Risk Solutions
Gridiron Insurance Underwriters Inc.
HabPro Insurance
Hinterland Insurance
Jencap - Locations Nationwide MAXIMUM
Pacific Excess Insurance Marketing
UFG Specialty
Victor Insurance Managers LLC Vintage Underwriters Wholesure
SMP Package (Specialty/Nonstandard) Distinguished Programs SPG Wholesale
Amalgamated Insurance Underwriters Cabrillo Coastal General Insurance Agency LLC Covenant Underwriters
■■ ■ ■ ■ ■■ ■ ■ ■
Great American Risk Solutions
■■ ■ ■ ■ ■■ ■ ■ ■
Jencap - Locations Nationwide Kinsale Insurance Company UFG Specialty
Tenant Discrimination ■■ ■ ■ ■ REInsurePro
Flood Risk Solutions Inc. Hinterland Insurance
Victor Insurance Managers LLC Western Surplus Lines Agency Inc.
Taverns
Terrorism ■■ ■ ■ ■ ■■ ■ ■ ■
The Hartford
Vintage Underwriters
Berkley Luxury Group, a W.R. Berkley Company REInsurePro
Toxic Mold Liability ■■ ■ ■ ■
www.insurancejournal.com
Donald Gaddis Company Inc. Insurance Services
Great American Risk Solutions
Restaurants
Hotels/Motels ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Cabrillo Coastal General Insurance Agency LLC
Integrated Specialty Coverages (ISC) Jencap - Locations Nationwide NeitClem Wholesale Insurance Brokerage Inc. Pacific Excess Insurance Marketing
Hazardous Occupancies ■■ ■ ■ ■ ■■ ■ ■ ■
USASIA Insurance Services Victor Insurance Managers LLC
■■ ■ ■ ■ ■■ ■ ■ ■
Hinterland Insurance
General Liability (GL)
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Great American Risk Solutions MAXIMUM Southwest Risk The Hartford UFG Specialty
HabPro Insurance
Earthquake ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
CIS Insurance Services - The Cannabis Insurance Co. Donald Gaddis Company Inc. Insurance Services
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
James Klein Insurance
Difference-in-Conditions ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Manufacturing Operations
SPG Environmental
JULY 27, 2026 | INSURANCE JOURNAL | 47
2026 Specialty Markets Directory, Summer Edition
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
(Italicized companies offer binding authority.)
■ Not Available
Gridiron Insurance Underwriters Inc. Hull & Company Irwin Siegel Agency
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
TDC Specialty Underwriters
Veterinarians ■■ ■ ■ ■ ■■ ■ ■ ■
■ West
Legend:
■ East
■ Midwest
■ Southeast
■ Texas/South Central
Vacant Property ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Amwins - 155+ Locations Worldwide Bass Underwriters Brecht & Associates Canon Insurance Service
Charity First Insurance Services Inc.
CIS Insurance Services - The Cannabis Insurance Co. Donald Gaddis Company Inc. Insurance Services GIC Underwriters Inc. Gorst & Compass Insurance
Great American Risk Solutions Hinterland Insurance
Integrated Specialty Coverages (ISC) MAXIMUM NeitClem Wholesale Insurance Brokerage Inc. Number One Insurance Agency Pacific Excess Insurance Marketing Quirk & Company
REInsurePro
Risk Placement Services Sacramento Roush Insurance Services Inc.
RT Specialty Southwest Risk
Specialty Wholesale Ins. Solution (SWIS), a Div of SPG SPG Wholesale USASIA Insurance Services Victor Insurance Managers LLC Walter General Agency (WGA) XPT Specialty
2026 Specialty Markets Directory, Summer Edition
Warehouses ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Brecht & Associates CIS Insurance Services - The Cannabis Insurance Co. Flood Risk Solutions Inc.
Great American Risk Solutions
Gridiron Insurance Underwriters Inc. Hinterland Insurance
Nationwide The Hartford UFG Specialty
Victor Insurance Managers LLC
Wind Deductible Buy-Back ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Wind/Hail ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Hull & Company Innovation Growth Partners Specialty LLC (IGP Specialty) MiniCo Insurance Agency, a Jencap Company RT Specialty
Amwins - 155+ Locations Worldwide
Berkley Luxury Group, a W.R. Berkley Company
CIS Insurance Services - The Cannabis Insurance Co. Gridiron Insurance Underwriters Inc.
Innovation Growth Partners Specialty LLC (IGP Specialty) Starwind Community Associations
Property--Residential Coastal Property ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Amwins - 155+ Locations Worldwide BUA LLC
Cabrillo Coastal General Insurance Agency LLC DeCotis Specialty Insurance Flood Risk Solutions Inc. FTP Inc. GIC Underwriters Inc. Jencap - Locations Nationwide Jimcor Agencies
Markel Personal Lines
Mexpro.com / NFP (for Mexico property only)
Prime Insurance Company
RT Specialty South & Western General Agency Inc. Sovereign Group Int’l Inc. Starwind Community Associations Wholesure
Condominiums (HO-6)
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Cabrillo Coastal General Insurance Agency LLC Flood Risk Solutions Inc.
Foremost Insurance Group FTP Inc. GIC Underwriters Inc. Hull & Company
Integrated Specialty Coverages (ISC)
Mexpro.com / NFP (for Mexico property only) Sovereign Group Int’l Inc.
Contents Only (HO-4) ■■ ■ ■ ■ ■■ ■ ■ ■
Foremost Insurance Group
Markel Personal Lines
Dwelling Fire (DP-1, DP-3) ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Access One80
bolt
Cabrillo Coastal General Insurance Agency LLC DeCotis Specialty Insurance
Foremost Insurance Group
48 | INSURANCE JOURNAL | JULY 27, 2026
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
■ West
FTP Inc. Gorst & Compass Insurance Integrated Specialty Coverages (ISC) Markel Personal Lines New England Excess Exchange
Risk Placement Services Sacramento Roush Insurance Services Inc. RT Specialty South & Western General Agency Inc. Sovereign Group Int’l Inc.
Steadily
Wholesure
Dwelling Fire (TDP-1) ■■ ■ ■ ■ ■■ ■ ■ ■
Foremost Insurance Group Sovereign Group Int’l Inc.
Dwelling Fire (TDP-1/TDP-2/TDP-3) ■■ ■ ■ ■ ■■ ■ ■ ■
Foremost Insurance Group Sovereign Group Int’l Inc.
Earthquake ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Mexpro.com / NFP (for Mexico property only) Poulton Associates REInsurePro
Forced Placement ■■ ■ ■ ■ Proctor Loan Protector ■■ ■ ■ ■ ■■ ■ ■ ■
REInsurePro Unitas Financial Services
High Valued Homeowners
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Access One80 BUA LLC Canon Insurance Service DeCotis Specialty Insurance
FTP Inc.
Gorst & Compass Insurance Irwin Siegel Agency
Jencap - Locations Nationwide
Mexpro.com / NFP (for Mexico property only)
Prime Insurance Company
Quirk & Company Risk Placement Services Sacramento
RPS
RT Specialty Sovereign Group Int’l Inc.
SPG Wholesale Wholesure
High-Value Dwellings
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Access One80
Amwins - 155+ Locations Worldwide BUA LLC Canon Insurance Service Flood Risk Solutions Inc. Hull & Company Irwin Siegel Agency
Kinsale Insurance Company New England Excess Exchange RPS RT Specialty Sovereign Group Int’l Inc.
Historic Homes ■■ ■ ■ ■ ■■ ■ ■ ■
Flood Risk Solutions Inc.
RPS
Homeowners (HO-3)
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Access One80 Bass Underwriters
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BUA LLC Cabrillo Coastal General Insurance Agency LLC Flood Risk Solutions Inc.
Foremost Insurance Group FTP Inc. Hull & Company
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Gorst & Compass Insurance
Integrated Specialty Coverages (ISC) RT Specialty
SPG Wholesale
Low-Value Dwellings ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Access One80
Markel Personal Lines
Sovereign Group Int’l Inc.
Manufactured HO3 ■■ ■ ■ ■ ■■ ■ ■ ■
Access One80 Foremost Insurance Group
Mobile/Manufactured Homes ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Cabrillo Coastal General Insurance Agency LLC
Foremost Insurance Group Markel Personal Lines REInsurePro
RPS
South & Western General Agency Inc.
Non-Standard Dwellings ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Access One80 Canon Insurance Service Foremost Insurance Group
Prime Insurance Company
Real Estate Investor ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Innovation Growth Partners Specialty LLC (IGP Specialty)
REInsurePro
Unitas Financial Services
Seasonal Dwellings ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Access One80 BUA LLC Cabrillo Coastal General Insurance Agency LLC Flood Risk Solutions Inc. Foremost Insurance Group
Markel Personal Lines
REInsurePro Risk Placement Services Sacramento
RPS
Sovereign Group Int’l Inc.
Steadily
Tenant Policy ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Foremost Insurance Group Sovereign Group Int’l Inc. Unitas Financial Services
Vacant Property ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Access One80 Canon Insurance Service DeCotis Specialty Insurance
Foremost Insurance Group Gorst & Compass Insurance
Integrated Specialty Coverages (ISC) Jimcor Agencies
Markel Personal Lines New England Excess Exchange Number One Insurance Agency
REInsurePro Risk Placement Services Sacramento
RPS
South & Western General Agency Inc. Sovereign Group Int’l Inc.
Steadily
Walter General Agency (WGA) Wholesure XPT Specialty
Public Entities Community Water Districts Grundy Insurance
Markel Personal Lines
New England Excess Exchange
Irrigation Districts
Mexpro.com / NFP (for Mexico property only) Risk Placement Services Sacramento Roush Insurance Services Inc.
RPS
RT Specialty Sovereign Group Int’l Inc. Flood Risk Solutions Inc. Foremost Insurance Group
Homeowners (HO-A/HO-B) ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Jewelry & Fur Floaters
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Integrated Specialty Coverages (ISC)
Homeowners (HO-A) ■■ ■ ■ ■ ■■ ■ ■ ■
(Italicized companies offer binding authority.)
■ Not Available
bolt
Flood Risk Solutions Inc. Foremost Insurance Group South & Western General Agency Inc.
■■ ■ ■ ■
Jencap - Locations Nationwide
Professional Governmental Underwriters Professional Governmental Underwriters
Municipal & Public Entities Liability
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Amwins - 155+ Locations Worldwide Apex Jencap - Locations Nationwide May Specialty Underwriters RT Specialty The McGowan Companies Virtue Risk Partners LLC
Public Housing Authorities Liability ■■ ■ ■ ■
Professional Governmental Underwriters
Public Utilities (Water, Gas, Electric)
■■ ■ ■ ■ ■■ ■ ■ ■
Grundy Insurance Professional Governmental Underwriters
www.insurancejournal.com
Legend:
■ East
■ Midwest
■ Southeast
■ Texas/South Central
Wastewater Treatment ■■ ■ ■ ■ ■■ ■ ■ ■
Grundy Insurance Virtue Risk Partners LLC
Railroad Risks Railroad Property/Liability ■■ ■ ■ ■
Innovation Growth Partners Specialty LLC (IGP Specialty)
Service Businesses Ambulances ■■ ■ ■ ■
James River Insurance Company
Barber Shops ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
bolt
Professional Program Ins. Brokerage, a Div of SPG
REInsurePro
SASSI - Salon & Spa Specialty Insurance
Beauty Salons ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Ascendant Insurance Solutions bolt Innovation Growth Partners Specialty LLC (IGP Specialty) Joseph Krar & Associates Inc. Pacific Excess Insurance Marketing Professional Program Ins. Brokerage, a Div of SPG
REInsurePro
Risk Placement Services Sacramento
SASSI - Salon & Spa Specialty Insurance Shelly, Middlebrooks & O’Leary Inc. Universal Insurance Programs
Beauty Schools
Professional Program Ins. Brokerage, a Div of SPG SASSI - Salon & Spa Specialty Insurance
Beauty Supply ■■ ■ ■ ■ ■■ ■ ■ ■
Buses
■■ ■ ■ ■
Brownyard Group Professional Program Ins. Brokerage, a Div of SPG National Indemnity Company
Cannabis, CBD & Smoke/Vape Shop ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Berkley Select | a Berkley Company
Cannasure Insurance Services CIS Insurance Services - The Cannabis Insurance Co.
Jencap - Locations Nationwide
Cannabis/Marijuana - Dispensary and Growers ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Berkley Select | a Berkley Company
Cannasure Insurance Services CIS Insurance Services - The Cannabis Insurance Co.
Jencap - Locations Nationwide Jimcor Agencies
XPT Specialty
Cemeteries ■■ ■ ■ ■
Brownyard Group
Coin Laundry ■■ ■ ■ ■
Shelly, Middlebrooks & O’Leary Inc.
Convenience Stores ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Covenant Underwriters Executive Insurance Professionals, PLLC Joseph Krar & Associates Inc. Vintage Underwriters
Cryotherapy ■■ ■ ■ ■
Professional Program Ins. Brokerage, a Div of SPG
Day Care Centers/Nurseries ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Ascendant Insurance Solutions
Brecht & Associates GIC Underwriters Inc. Joseph Krar & Associates Inc.
Nonprofits Insurance Alliance Risk Placement Services Sacramento River Valley Underwriters Inc. Roush Insurance Services Inc.
RPS
USASIA Insurance Services Western Surplus Lines Agency Inc.
Detective/Patrol Liability ■■ ■ ■ ■ ■■ ■ ■ ■
AMIS/Alliance Marketing & Insurance Services LLC Joseph Krar & Associates Inc.
Exterminators ■■ ■ ■ ■ ■■ ■ ■ ■
Brownyard Group Joseph Krar & Associates Inc.
Firearm Dealers ■■ ■ ■ ■
Joseph Chiarello & Co ; Firearms Business Insurance
www.insurancejournal.com
(Italicized companies offer binding authority.)
■ Not Available
Funeral Directors/Mortuaries
Software, Internet & Computer Consulting Co
Health Clubs
Staffing Firms
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Brownyard Group
Joseph Krar & Associates Inc.
Nationwide Sports & Wellness Insurance
Hospice (Medical & Non Medical) ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Care Providers Insurance Services Negley Associates
Nonprofits Insurance Alliance Sapphire Blue
Jewelers Block ■■ ■ ■ ■ ■■ ■ ■ ■
RPS
Sun Coast General Insurance Agency
Limousines ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
National Indemnity Company
Norman-Spencer International Inc. RPS
Pawn Shops
■■ ■ ■ ■ ■■ ■ ■ ■
McLeckie Insurance Group
Philadelphia Insurance Companies
Recycling Centers ■■ ■ ■ ■ ■■ ■ ■ ■
Apollo General Ins. Agency Inc.
UFG Specialty
Residential Care Facilities ■■ ■ ■ ■ Irwin Siegel Agency ■■ ■ ■ ■ ■■ ■ ■ ■
James River Insurance Company Nonprofits Insurance Alliance
Restaurants ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Berkley Select | a Berkley Company bolt IAT Insurance Group
Integrated Specialty Coverages (ISC) James River Insurance Company Joseph Krar & Associates Inc. McLeckie Insurance Group
Philadelphia Insurance Companies Quirk & Company River Valley Underwriters Inc.
RPS
The McGowan Companies Vintage Underwriters Western Surplus Lines Agency Inc.
Retail Stores ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Ascendant Insurance Solutions Brecht & Associates
CIS Insurance Services - The Cannabis Insurance Co. McLeckie Insurance Group
New England Excess Exchange
Pacific Excess Insurance Marketing
Philadelphia Insurance Companies Roush Insurance Services Inc. The McGowan Companies
Self Storage ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Brecht & Associates
Innovation Growth Partners Specialty LLC (IGP Specialty) MiniCo Insurance Agency, a Jencap Company
PartnerOne Environmental
Universal Insurance Programs
Service Stations
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
bolt
GIC Underwriters Inc. Joseph Krar & Associates Inc. Pacific Excess Insurance Marketing
Shopping Centers ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Amalgamated Insurance Underwriters GIC Underwriters Inc.
James River Insurance Company Joseph Krar & Associates Inc. McLeckie Insurance Group
Philadelphia Insurance Companies Quirk & Company Vintage Underwriters
Smoke/Vape Shops ■■ ■ ■ ■ ■■ ■ ■ ■
CIS Insurance Services - The Cannabis Insurance Co.
Professional Program Ins. Brokerage, a Div of SPG
Social Service Risks ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Eaton Professional Insurance Services
■■ ■ ■ ■
Amwins - 155+ Locations Worldwide Innovation Growth Partners Specialty LLC (IGP Specialty)
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
World Wide Specialty, a Div of Philadelphia Ins. Co’s
Storage Facilities
Universal Insurance Programs
■■ ■ ■ ■
Tanning Salons
Donald Gaddis Company Inc. Insurance Services
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Insurtec Tanning and Spa Insurance
Joseph Krar & Associates Inc. Professional Program Ins. Brokerage, a Div of SPG Universal Insurance Programs
Tattooing & Body Piercing
Joseph Krar & Associates Inc. Professional Program Ins. Brokerage, a Div of SPG
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
REInsurePro
Valet Parking Companies
Gorst & Compass Insurance
■■ ■ ■ ■ ■■ ■ ■ ■
Innovation Growth Partners Specialty LLC (IGP Specialty)
Special Events Liability Event Cancellation BUA LLC
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Gateway Specialty Insurance Integrated Specialty Coverages (ISC) Markel Personal Lines Sportunderwriters.com
One-Day Special Events BUA LLC
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Charity First Insurance Services Inc. CIS Insurance Services - The Cannabis Insurance Co. Gorst & Compass Insurance InsuranceHelper.com
Integrated Specialty Coverages (ISC) Irwin Siegel Agency
James River Insurance Company Jencap - Locations Nationwide Sportunderwriters.com
Promotional Contests BUA LLC
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Jencap - Locations Nationwide Sportunderwriters.com
Special Events
Amwins - 155+ Locations Worldwide
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Brecht & Associates
Charity First Insurance Services Inc. CIS Insurance Services - The Cannabis Insurance Co. DeCotis Specialty Insurance Executive Insurance Professionals, PLLC Gateway Specialty Insurance GIC Underwriters Inc. InsuranceHelper.com
Integrated Specialty Coverages (ISC) Irwin Siegel Agency
James River Insurance Company Jencap - Locations Nationwide Joseph Krar & Associates Inc.
Markel Personal Lines
McGowan Allied Specialty Insurance
Nationwide New England Excess Exchange Nonprofits Insurance Alliance Prime Insurance Company
River Valley Underwriters Inc.
RPS
South & Western General Agency Inc.
Sportunderwriters.com
USASIA Insurance Services Vintage Underwriters Walter General Agency (WGA)
Western Surplus Lines Agency Inc.
Spectators ■■ ■ ■ ■ ■■ ■ ■ ■
InsuranceHelper.com
Sportunderwriters.com
Third Party Property Damage ■■ ■ ■ ■
Markel Personal Lines
Ascendant Insurance Solutions Gateway Specialty Insurance Hull & Company
Irwin Siegel Agency
James River Insurance Company Negley Associates
Nonprofits Insurance Alliance
JULY 27, 2026 | INSURANCE JOURNAL | 49
2026 Specialty Markets Directory, Summer Edition
■■ ■ ■ ■ ■■ ■ ■ ■
■ West
Legend:
■ East
■ Midwest
■ Southeast
■ Texas/South Central
Sports & Recreation
Workers’ Comp - High Hazard
Jencap - Locations Nationwide
McGowan Allied Specialty Insurance
Prime Insurance Company
Sun Coast General Insurance Agency
Innovation Growth Partners Specialty LLC (IGP Specialty) Joseph Krar & Associates Inc. McGowan Allied Specialty Insurance Lefebvre Insurance LLC
Sports & Wellness Insurance McGowan Allied Specialty Insurance
Sportunderwriters.com
Dude Ranches ■■ ■ ■ ■
McGowan Allied Specialty Insurance
2026 Specialty Markets Directory, Winter Edition
Fitness Centers ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Innovation Growth Partners Specialty LLC (IGP Specialty) Sports & Wellness Insurance Sportunderwriters.com
Golf Courses ■■ ■ ■ ■
Starwind Community Associations
Gymnastics Studios ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Joseph Krar & Associates Inc.
Sports & Wellness Insurance Sportunderwriters.com
Motor Sports ■■ ■ ■ ■ ■■ ■ ■ ■
Museums ■■ ■ ■ ■ ■■ ■ ■ ■
Innovation Growth Partners Specialty LLC (IGP Specialty) Prime Insurance Company Care Providers Insurance Services
Nonprofits Insurance Alliance
Outfitters & Guides ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
McGowan Allied Specialty Insurance
Nationwide Prime Insurance Company
Prize Indemnification ■■ ■ ■ ■
Sportunderwriters.com
Riding Stables ■■ ■ ■ ■
Rodeos
■■ ■ ■ ■ ■■ ■ ■ ■
McGowan Allied Specialty Insurance
InsuranceHelper.com McGowan Allied Specialty Insurance
Shooting Ranges ■■ ■ ■ ■
Joseph Chiarello & Co ; Firearms Business Insurance
Skating Rinks ■■ ■ ■ ■
Innovation Growth Partners Specialty LLC (IGP Specialty)
Ski Area Liability/Special Events Liability ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Innovation Growth Partners Specialty LLC (IGP Specialty) McGowan Allied Specialty Insurance
Sportunderwriters.com
Sporting Camps - League ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Jencap - Locations Nationwide
Sports Facilities
Sports & Wellness Insurance Sportunderwriters.com
Driving Ranges ■■ ■ ■ ■ ■■ ■ ■ ■
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Childrens Summer Camps ■■ ■ ■ ■ ■■ ■ ■ ■
Workers’ Comp - Alternative Workers Comp
Sporting Events - Abandonment/Cancellation
Bowling Centers ■■ ■ ■ ■ ■■ ■ ■ ■
InsuranceHelper.com
Lefebvre Insurance LLC
Jencap - Locations Nationwide
Auto Racing ■■ ■ ■ ■
Sporting Events
InsuranceHelper.com
Charity First Insurance Services Inc.
Amusement Parks/Fairgrounds ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
(Italicized companies offer binding authority.)
■ Not Available
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Amateur Sports ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
■ West
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
James Klein Insurance
Lefebvre Insurance LLC
Sports & Wellness Insurance Sportunderwriters.com Sportunderwriters.com
Innovation Growth Partners Specialty LLC (IGP Specialty) James River Insurance Company Sports & Wellness Insurance Sportunderwriters.com
Theme Parks ■■ ■ ■ ■
McGowan Allied Specialty Insurance
Trap & Skeet Shooting Clubs ■■ ■ ■ ■ ■■ ■ ■ ■
Joseph Chiarello & Co ; Firearms Business Insurance Sun Coast General Insurance Agency
Winter Recreational Activities ■■ ■ ■ ■ ■■ ■ ■ ■
Sportunderwriters.com
Sun Coast General Insurance Agency
Workers’ Compensation Excess Reinsurance Workers Comp ■■ ■ ■ ■ ■■ ■ ■ ■
Apex
Midwest Employers Casualty
Maritime Employers Liability (MEL) ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
USL&H
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Amwins - 155+ Locations Worldwide Global Special Risks
Texas Mutual Insurance Company
Workers’ Comp - Auto Related Business
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Jencap - Locations Nationwide RT Specialty Target Managers Insurance Services
Texas Mutual Insurance Company
Jencap - Locations Nationwide Jimcor Agencies
MAXIMUM
Texas Mutual Insurance Company
Workers’ Comp - Oil & Gas ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Global Special Risks
Innovation Growth Partners Specialty LLC (IGP Specialty) Jencap - Locations Nationwide Texas Mutual Insurance Company
Workers’ Comp - PEO ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Amwins - 155+ Locations Worldwide Ascendant Insurance Solutions Innovation Growth Partners Specialty LLC (IGP Specialty) Jencap - Locations Nationwide Legacy Employer Concepts LLC Normandy Insurance Texas Mutual Insurance Company
Workers’ Comp - Small Business ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Jencap - Locations Nationwide Legacy Employer Concepts LLC Normandy Insurance
Shield Commercial Insurance Services Texas Mutual Insurance Company
James River Insurance Company Jencap - Locations Nationwide
Workers’ Comp - Truckers and Transportation
Amwins - 155+ Locations Worldwide
Truckers Insurance Associates
LIG Marine Managers Texas Mutual Insurance Company Comp Solutions Network Inc. Global Special Risks
■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Innovation Growth Partners Specialty LLC (IGP Specialty) Jencap - Locations Nationwide Legacy Employer Concepts LLC Texas Mutual Insurance Company True Transport Insure
Innovation Growth Partners Specialty LLC (IGP Specialty) Jencap - Locations Nationwide Legacy Employer Concepts LLC LIG Marine Managers Texas Mutual Insurance Company The American Equity Underwriters Inc.
Workers’ Comp ■■ ■ ■ ■ AMERISAFE ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■ ■■ ■ ■ ■
Amwins - 155+ Locations Worldwide Ascendant Insurance Solutions Bass Underwriters bolt CID Insurance Programs Inc. Comp Solutions Network Inc.
Continental Underwriters Executive Insurance Professionals, PLLC FTP Inc.
Integrated Specialty Coverages (ISC) Jencap - Locations Nationwide Legacy Employer Concepts LLC LIG Marine Managers
Maverick Commercial Insurance Services McLeckie Insurance Group Negley Associates
Normandy Insurance Omaha National
Shield Commercial Insurance Services SPG Transportation - Moving and Storage Starwind Community Associations
Sun Coast General Insurance Agency Target Managers Insurance Services
Texas Mutual Insurance Company USASIA Insurance Services Wholesure World Wide Specialty, a Div of Philadelphia Ins. Co’s
InsuranceHelper.com Lefebvre Insurance LLC
Nationwide Sports & Wellness Insurance Sportunderwriters.com
50 | INSURANCE JOURNAL | JULY 27, 2026
www.insurancejournal.com
Alphabetical Directory of Intermediaries and Carriers 5Star Specialty Programs
Apex
Access E&S Insurance Services
Apogee Insurance Group, a Berkshire Hathaway Company
See Website for Addresses, Headquarters - Melbourne, FL 32935 Phone: (877) 247-9772, Fax: (321) 757-6147 E-mail: marketing@5starsp.com www.5starsp.com MGA, Lloyd’s Correspondent, Managing Underwriter 2001 N. Lincoln St., Arlington, VA 22207 Phone: (703) 248-2566, Fax: (703) 248-2565 E-mail: Tim@Access-ES.com www.Access-ES.com A Licensed Surplus Broker, Lloyd’s Correspondent
Access One80
1773 S. 8th St., Ste. 200, Colorado Springs, CO 80905 Phone: (855) 900-2960, Fax: (719) 623-4699 E-mail: submissions@bigfootbinds.com accessone80.com Managing General Agency, A Licensed Surplus Broker
Addiction Treatment Providers Insurance Program 555 E. North Lane, Ste. 6060, Conshohocken, PA 19428 Phone: (610) 808-9556 E-mail: jjkilgallen@novacore.com atpinsure.com MGA, A Licensed Surplus Broker, Managing Underwriter
Admiral Insurance Group 232 Strawbridge Drive, Moorestown, NJ 08057 Phone: (856) 429-9200, Fax: (856) 429-8611 E-mail: admiralmarketing@admiralins.com www.admiralins.com Managing Underwriter
Agricultural Insurance Mgmt Services 1496 Route 3A, Ste. 10, Bow, NH 03304 Phone: (877) 552-2467, Fax: (603) 225-9318 E-mail: thooker@aimscentral.com www.aimscentral.com Managing General Agency
Allsouth Professional Liability
9800 4th Street N, Ste. 400, St. Petersburg, FL 33702 Phone: (800) 913-9260, Fax: (813) 282-0994 E-mail: info@allsouth.net www.allsouth.net MGA, A Licensed Surplus Broker, Managing Underwriter
Amalgamated Insurance Underwriters
201 Concourse Blvd. Ste. 260, Glen Allen, VA 23059 Phone: (210) 887-1064 E-mail: hughes@apexinsurance.com www.apexinsurance.com MGA, A Licensed Surplus Broker, Managing Underwriter
1170 Devon Park Dr., Wayne, PA 19087 Phone: (877) 337-3200, Fax: (610) 337-2337 E-mail: info@apogeeinsgroup.com www.apogeeinsgroup.com A Licensed Surplus Broker, Lloyd’s Correspondent
Apollo General Ins. Agency Inc.
PO Box 1508, Sonoma, CA 95476 Phone: (800) 624-5829, Fax: (707) 996-7912 E-mail: jillc@apgen.com www.apgen.com MGA, A Licensed Surplus Broker, Managing Underwriter
Applied Financial Lines
1120 6th Ave., 21st Fl, New York, NY 10036 Phone: (443) 534-6060, Fax: (877) 234-4425 E-mail: tdowen@auw.com www.afl.auw.com Managing General Agency, A Licensed Surplus Broker
Ascendant Insurance Solutions
2199 Ponce de Leon Blvd., Ste. 500, Coral Gables, FL 33134 Phone: (305) 820-4360, Fax: (305) 820-4348 E-mail: marketing@ascendantgroup.com www.ascendantgroup.com MGA, A Licensed Surplus Broker, Managing Underwriter
Bass Underwriters
6951 W. Sunrise Blvd., Plantation, FL 33313 Phone: (954) 473-4488, Fax: (954) 317-3100 E-mail: marketing@bassuw.com www.bassuw.com Managing General Agency, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter
Berkley Luxury Group, a W.R. Berkley Company 389 Interpace Pkwy, Ste. 550, Parsippany, NJ 07054 Phone: (800) 504-7012 E-mail: mail@berkleyluxurygroup.com www.berkleyluxurygroup.com
1 Paragon Dr., Ste. 265, Montvale, NJ 07645 Phone: (845) 426-0400 E-mail: hello@aiu-usa.com aiu-usa.com Managing General Agency, Managing Underwriter
Berkley Select | a Berkley Company
AMERISAFE
bolt
AMIS/Alliance Marketing & Insurance Services LLC
Brecht & Associates
2301 Hwy 190 W, DeRidder, LA 70634 Phone: (800) 256-9052 E-mail: asksales@amerisafe.com www.amerisafe.com
PO Box 567, San Marcos, CA 92079 Phone: (760) 471-7116, Fax: (760) 471-9378 E-mail: snowell@amiscorp.com www.amisinsurance.com A Licensed Surplus Broker
Amwins - 155+ Locations Worldwide For more info, check our ad on page 5 (National). See Website for Locations, Headquarters - Charlotte, NC 28210 Phone: (704) 749-2700 E-mail: marketing@amwins.com www.amwins.com Managing General Agency, A Licensed Surplus Broker
www.insurancejournal.com
550 W. Jackson Blvd., Ste. 500, Chicago, IL 60661 Phone: (312) 800-6200, Fax: (312) 207-1839 E-mail: info@berkleyselect.com www.berkleyselect.com
37 Graham St., San Francisco, CA 94129 Phone: (800) 272-7550, Fax: (888) 272-7550 E-mail: info@boltaccess.com www.boltinsurance.com MGA, A Licensed Surplus Broker, Managing Underwriter 1450 Hughes Rd, Ste. 109, Grapevine, TX 76051 Phone: (817) 424-5335, Fax: (817) 424-3772 E-mail: jbrecht@brechtassoc.com www.brechtassoc.com Managing General Agency, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter
Bristol West Insurance Group
PO Box 31029, Independence, OH 44131 Phone: (800) 237-6136 E-mail: foremostinsurancegroup@foremost.com https://www.bristolwest.com/
Bristol West® began offering private-passenger insurance policies in 1973. A Bristol West insurance policy is crafted with the customer in mind, offering broad underwriting, stability, value and enhanced services that make it easy to insure a vehicle.
Brooks Insurance Agency
6320 Canoga Ave., 12th Fl, Woodland Hills, CA 91367 Phone: (818) 449-9062 E-mail: mmccluskey@brooks-ins.com www.brooks-ins.com Managing General Agency, A Licensed Surplus Broker
Brownyard Group
21 Maple Ave., Bay Shore, NY 11706 Phone: (800) 645-5820, Fax: (631) 666-5723 E-mail: info@brownyard.com www.brownyard.com Managing General Agency, Managing Underwriter
BUA LLC
22 Deer St., Ste. 400, Portsmouth, NH 03801 Phone: (603) 772-5005, Fax: (603) 372-5990 E-mail: msamperi@buainsurance.com www.buainsurance.com Managing General Agency, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter
Cabrillo Coastal General Insurance Agency LLC PO Box 357965, Gainesville, FL 32635 Phone: (866) 896-7233, Fax: (352) 224-2830 E-mail: InternalSales@cabgen.com www.cabgen.com Managing General Agency, Managing Underwriter
Cannasure Insurance Services
1468 W. 9th St., Ste. 805, Cleveland, OH 44113 Phone: (800) 420-5757 E-mail: info@cannasure.com www.cannasure.com MGA, A Licensed Surplus Broker, Managing Underwriter
Canon Insurance Service
8383 Wilshire Blvd., Ste. 341, Beverly Hills, CA 90211 Phone: (310) 859-8600, Fax: (310) 278-3617 www.CanonInsurance.com Managing General Agency, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter
Care Providers Insurance Services
6200 K Ave., Ste. 190, Plano, TX 75074 Phone: (484) 531-8887 E-mail: ecrawfordpeterson@novacore.com cpsinsure.com MGA, A Licensed Surplus Broker, Managing Underwriter
Charity First Insurance Services Inc.
595 Market St., Ste. 2100, San Francisco, CA 94105 Phone: (800) 352-2761 E-mail: marketing@charityfirst.com www.charityfirst.com MGA, A Licensed Surplus Broker, Managing Underwriter
JULY 27, 2026 | INSURANCE JOURNAL | 51
Alphabetical Directory of Intermediaries and Carriers CID Insurance Programs Inc.
7125 El Cajon Blvd., Ste. 3, San Diego, CA 92115 Phone: (800) 922-7283 E-mail: marketing@cidinfo.com www.cidinsurance.com MGA, A Licensed Surplus Broker, Managing Underwriter
CIS Insurance Services - The Cannabis Insurance Company
2580 E. Harmony Rd., Ste. 301, Fort Collins, CO 80528 Phone: (303) 495-3375 E-mail: lisa@thecannabisinsurancecompany.com thecannabisinsurancecompany.com MGA, A Licensed Surplus Broker, Managing Underwriter
Comp Solutions Network Inc.
7135 W. Tidwell, Bldg M., Ste. 112A, Houston, TX 77092 Phone: (713) 775-6945 E-mail: diannef@compsolutionsnetwork.com www.compsolutionsnetwork.com Managing General Agency, A Licensed Surplus Broker
Construction Insurance Services LLC 5949 Sherry Ln., Ste. 1460, Dallas, TX 75225 Phone: (214) 884-1800, Fax: (214) 884-1801 E-mail: kcurley@constructioninsuranceservices.com www.constructioninsuranceservices.com A Licensed Surplus Broker
Continental Underwriters
3435-A W. Leigh Street, Richmond, VA 23230 Phone: (804) 643-7800 E-mail: info@contund.com www.contund.com Managing General Agency, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter
Donald Gaddis Co. Inc. Insurance Services
21 S. Evergreen Ave., Ste 220, Arlington Hts., IL 60005 Phone: (312) 853-0071, Fax: (312) 853-1033 E-mail: cgaddis@gaddiscompany.com www.gaddiscompany.com A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter
Eaton Professional Insurance Services 17602 17th St., Ste. 102-120, Tustin, CA 92780 Phone: (714) 832-8649, Fax: (714) 832-2586 E-mail: c.eaton@episi.net www.episi.net A Licensed Surplus Broker, Lloyd’s Correspondent
Equine Insurance Specialists LLC PO Box 12440, Lexington, KY 40583 Phone: (800) 723-9414, Fax: (866) 207-6953 E-mail: info@insureyourhorse.com www.insureyourhorse.com Managing General Agency
Euclid Life Science Specialty LLC
234 Spring Lake Dr., Itasca, IL 60143 Phone: (443) 682-0102 E-mail: RElliott@EuclidLSS.com www.EuclidLSS.com Managing General Agency, Managing Underwriter
Exceptional Risk Advisors LLC
Park 80 West, Plaza Two, 250 Pehle Ave., Ste. 202, Saddle Brook, NJ 07663 Phone: (866) 512-0444, Fax: (201) 512-0221 E-mail: info@exceptionalriskadvisors.com www.exceptionalriskadvisors.com A Licensed Surplus Broker, Managing Underwriter
Cooper & McCloskey Inc.
Executive Insurance Professionals, PLLC
Covenant Underwriters
Flood Risk Solutions Inc.
1981 N. Broadway, Ste. 340, Walnut Creek, CA 94596 Phone: (415) 433-7700, Fax: (415) 433-7707 E-mail: keltie@cmiprorisk.com www.cmiprorisk.com A Licensed Surplus Broker 1221 McKinney St., Ste. 3110, Houston, TX 77010 Phone: (346) 330-3777 E-mail: broker@covenantunderwriters.com www.covenantunderwriters.com
CRC Tapco
3060 S. Church St., Burlington, NC 27216 Phone: (800) 334-5579 E-mail: Amanda.Blankenship@crcgroup.com crctapco.com Managing General Agency, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter
DeCotis Specialty Insurance
245 Waterman St., Ste. 501, Providence, RI 02906 Phone: (401) 351-0066, Fax: (401) 351-0386 E-mail: tdecotis@decotis.com www.decotis.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent
4275 Little Rd., Ste. 205-10, Arlington, TX 76016 Phone: (800) 779-4095, Fax: (866) 779-4331 E-mail: cheryl@execins.com www.execins.com A Licensed Surplus Broker, Lloyd’s Correspondent
360 Central Ave., Ste. 1260, St Petersburg, FL 33701 Phone: (727) 256-1991 E-mail: phil@floodsol.com www.floodsol.com Managing General Agency, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter
Flow Insurance Services
548 Market St PMB90420, San Francisco, CA 94104 Phone: (855) 368-5502 E-mail: info@flowinsurance.com www.flowinsurance.com Managing General Agency, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter
DMI Insurance Services
9020 N Capital of Texas Hwy Ste I-270, Austin, TX 78759 Phone: (408) 465-2302 E-mail: nmaske@dmi-insurance.com www.dmi-insurance.com MGA, A Licensed Surplus Broker, Managing Underwriter
52 | INSURANCE JOURNAL | JULY 27, 2026
1800 Wazee St., Ste. 300, Denver, CO 80202 Phone: (800) 377-4152, Fax: (303) 623-8101 E-mail: info@feiinsurance.com www.feiinsurance.com Managing General Agency, Managing Underwriter
Friedlander Group Inc.
2500 Westchester Ave., Ste. 400 A, Purchase, NY 10577 Phone: (914) 259-6399, Fax: (914) 694-6004 E-mail: adamf@friedlandergroup.com www.friedlandergroup.com Managing General Agency, Managing Underwriter
FTP Inc.
131 White Oak Lane, Old Bridge, NJ 08857 Phone: (732) 679-3700, Fax: (732) 679-6928 E-mail: hdiamandis@ftpins.com www.ftpins.com Managing General Agency, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter
Gateway Specialty Insurance 1170 Devon Park Drive, Wayne, PA 19087 Phone: (877) 977-4474, Fax: (610) 254-1855 E-mail: submissions@gatewayspeccialty.com www.gatewayspecialty.com A Licensed Surplus Broker
GIC Underwriters Inc.
5000 SW 75th Ave., Ste. 300B, Miami, FL 33155 Phone: (305) 554-0353, Fax: (305) 662-3914 E-mail: jcdp@gicunderwriters.com www.gicunderwriters.com Managing General Agency, A Licensed Surplus Broker
Global Special Risks
9821 Katy Fwy, Ste. 750, Houston, TX 77024, Houston, TX 77024 Phone: (713) 260-1030, Fax: (713) 952-3978 E-mail: questions@gsrum.com gsrum.com Managing Underwriter
Goldleaf Surety Services LLC 3246 E Hwy 7, Ste. 150, Montevideo, MN 56265 Phone: (320) 269-3144, Fax: (320) 269-3154 E-mail: Goldleaf@goldleafsurety.com goldleafsurety.com
Gorst & Compass Insurance
5850 Canoga Ave., Ste. 650, Woodland Hills, CA 91367 Phone: (818) 507-0900, Fax: (818) 507-1133 E-mail: mail@gorstcompass.com www.gorstcompass.com Managing General Agency, A Licensed Surplus Broker
Great American Risk Solutions 301 East 4th Street, Cincinnati, OH 45202 Phone: (513) 579-6318 E-mail: kenderle@gaig.com www.greatamericaninsurancegroup.com
Gridiron Insurance Underwriters Inc.
Distinguished Programs
1180 Avenue of the Americas, 16th Fl, New York, NY 10036 Phone: (212) 297-3100, Fax: (212) 297-3130 E-mail: jsafer@distinguished.com www.distinguished.com Managing General Agency, A Licensed Surplus Broker
Freberg Environmental Inc.
Foremost Insurance Group
For more information, check out our ad on page 9 (National). 5600 Beech Tree Ln. SE, Caledonia, MI 49316 Phone: (800) 237-6136 E-mail: acm@foremost.com www.foremostagent.com Foremost®, part of Farmers Insurance®, has been a leader in the insurance industry since 1952. We are your agency’s product powerhouse. From non-standard to ultra-preferred, we deliver strong auto and home coverage, and a robust suite of specialty products.
261 N. University Dr., Ste 510, Plantation, FL 33324 Phone: (954) 331-3000 E-mail: ddemott@gridironins.com www.gridironins.com Managing Underwriter
Grundy Insurance
PO Box 1957, Horsham, PA 19044 Phone: (877) 338-4004, Fax: (215) 674-5716 E-mail: clint@grundy.com www.grundy.com/utility Managing General Agency
Guardian Insurance Wholesalers Inc. PO Box 119, Leitchfield, KY 42755 Phone: (270) 230-0340, Fax: (270) 230-0344 E-mail: dlhuff@guardian-ins.com www.guardian-ins.com Managing General Agency, A Licensed Surplus Broker
www.insurancejournal.com
Alphabetical Directory of Intermediaries and Carriers HabPro Insurance
555 E. North Lane, Ste. 6060, Conshohocken, PA 19428 Phone: (610) 808-9499 E-mail: dhowley@novacore.com habproinsurance.com Managing General Agency, A Licensed Surplus Broker
Hinterland Insurance
4601 DTC Blvd., Ste. 250, Denver, CO 80237 Phone: (314) 496-7077 E-mail: info@hinterlandins.com www.hinterlandins.com MGA, A Licensed Surplus Broker, Managing Underwriter
Hudson Insurance Group / Hudson Pro (TM) 100 William St., 5th Fl, New York, NY 10038 Phone: (212) 978-2800 E-mail: MSutton@HudsonInsGroup.com www.hudsoninsgroup.com
Hull & Company
www.hullco.com for all locations, Fort Lauderdale, FL 33020 Phone: (954) 527-4855, Fax: (866) 449-8449 www.hullco.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent
IAT Insurance Group
4200 Six Forks Road, Raleigh, NC 27609 Phone: (919) 833-1600 E-mail: info@iatinsurance.com www.iatinsurancegroup.com
Integrated Specialty Coverages (ISC) 1811 Aston Ave., Ste. 200, Carlsbad, CA 92008 Phone: (760) 599-7242 E-mail: marketing@iscmga.com www.iscmga.com Managing General Agency, Managing Underwriter
ISC has exclusive programs for Construction, Trucking, Property, Hospitality, Excess, Entertainment 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.
International Citizens Insurance
7835 E. Evans Rd., Bldg 300, Scottsdale, AZ 85260 Phone: (480) 556-0200, Fax: (480) 556-0201 E-mail: info@itmagency.com www.itmagency.com Managing General Agency, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter
Innovation Growth Partners Specialty LLC (IGP Specialty)
2 Park Ave., Ste. 2009 & 2012, New York, NY 10016 Phone: (475) 259-2837 E-mail: marketing@insightrisktec.com insightrisktec.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent
InsuranceHelper.com
PO Box 1549, Grass Valley, CA 95945 Phone: (530) 648-1100 E-mail: brokers@insurancehelper.com www.insurancehelper.com Managing General Agency, Managing Underwriter
Insurtec Tanning and Spa Insurance PO Box 25, Rich Hill, MO 64479 Phone: (417) 395-2770 E-mail: info@insurtecinc.com www.insurtecinc.com A Licensed Surplus Broker
James River underwrites a wide variety of specialty P&C and Professional risks on an E&S basis in all states. Visit www.jamesriverins.com to find a JRIC-authorized wholesale broker!
JC Wilson Consulting Inc.
9390 W. Maiden Ct, Vero Beach, FL 32963 Phone: (312) 543-9451, Fax: (312) 543-9451 E-mail: jwilson.frs@gmail.com Managing General Agency, Managing Underwriter
Jencap - Locations Nationwide
See website for all locations, Corporate HQ - New York, NY Phone: (800) 892-8892 E-mail: info@jencapgroup.com www.jencapgroup.com Managing General Agency, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter
Independent agents countrywide rely on our specialty brokers and underwriters to place their most complex and important risks. With over 40 locations nationwide, put Jencap to work for you.
3805 W. Chester Pike, Ste. 200, Newtown Square, PA 19073 Phone: (610) 537-1347 E-mail: alan.griesemer@usi.com igpspecialty.com Managing General Agency, A Licensed Surplus Broker
Insight Risk Technologies
6641 W. Broad St., Ste. 300, Richmond, VA 23230 Phone: (804) 289-2700 E-mail: info@jamesriverins.com www.jamesriverins.com
18 Shipyard Drive, Hingham, MA 02043 Phone: (617) 500-6738 E-mail: info@internationalinsurance.com www.InternationalInsurance.com Managing General Agency, A Licensed Surplus Broker
International Transportation & Marine Agency Inc.
IGP Specialty is built on innovation, growth and partnership. Top agents rely on us to deliver. Top carriers count us as trusted allies. And every day, we’re elevating the specialty insurance landscape — setting a higher standard for service, solutions and success.
James River Insurance Company
Jencap Specialty Insurance Services (Environmental)
Irwin Siegel Agency
25 Lake Louise Marie Rd., Rock Hill, NY 12775 Phone: (800) 622-8272, Fax: (845) 796-3661 E-mail: siegel@siegelagency.com www.siegelagency.com MGA, A Licensed Surplus Broker, Managing Underwriter
2400 E. Katella Ave., Ste. 800, Anaheim, CA 92806 Phone: (949) 534-9106 E-mail: nancy.huynh@jencapgroup.com jencapgroup.com/environmental Managing General Agency, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter
Irwin Siegel Agency is a premier Managing General Underwriter of insurance products and risk management solutions for Human and Social Service Organizations. Our specialties include Intellectual and Developmental Disability Organizations, Addiction Treatment, Behavioral/Mental Healthcare, and Youth Programs. We also offer high-value homeowners insurance programs.
J.B. Lloyd & Associates, A Member Company of US Risk
14241 Dallas Pkwy, Ste. 850, Dallas, TX 75254 Phone: (972) 248-2433, Fax: (972) 248-7077 E-mail: eboisseau@lloyd-ins.com www.lloyd-ins.com MGA, Surplus Broker, Lloyd’s Correspondent, Managing Underwriter
Jimcor Agencies
60 Craig Rd., Montvale, NJ 07645 Phone: (201) 573-8200, Fax: (201) 573-8820 E-mail: marketing@jimcor.com www.jimcor.com Managing General Agency, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter
James Klein Insurance
200 E. Sandpointe Ave., Ste. 510, Santa Ana, CA 92707 Phone: (714) 918-0914, Fax: (714) 918-0922 E-mail: pdavis@jameskleininsurance.com A Licensed Surplus Broker
www.insurancejournal.com
JULY 27, 2026 | INSURANCE JOURNAL | 53
Alphabetical Directory of Intermediaries and Carriers LifeScienceRisk
155 N Wacker Drive, Chicago, IL 60606 Phone: (773) 741-4551, Fax: (312) 784-6002 E-mail: catherine.gill@lsrisk.com lsrisk.com Managing Underwriter
Johnson & Johnson
111 2nd Ave. NE, Ste. 1101, St. Petersburg, FL 33701 Phone: (727) 578-2800, Fax: (727) 578-9977 E-mail: ask@ligmarine.com www.LIGMarine.com Managing General Agency, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter
Joseph Chiarello & Co., Inc. Firearms Business Insurance Program
M&A Insurance Solutions LLC
Joseph Krar & Associates Inc.
221 River St., 9th Fl, Hoboken, NJ 07030 Phone: (917) 656-2476 E-mail: kirk@rwpolicy.com www.rwpolicy.com A Licensed Surplus Broker
MacAfee & Edwards Inc. - MxRisk Insurance Services
PO Box 580, Southington, CT 06489 Phone: (860) 628-3967, Fax: (860) 628-3969 E-mail: jkrar@jkrar.com Managing General Agency, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter
800 S. Figueroa St., Ste. 790, Los Angeles, CA 90017 Phone: (213) 629-9777, Fax: (213) 629-9779 E-mail: juan.buendia@mxrisk.mx www.mxrisk.mx MGA, A Licensed Surplus Broker, Managing Underwriter
JSM Brokerage Insurance and Risk Management
Markel Personal Lines
2200 Northern Blvd., Ste. 200, East Hills, NY 11548 Phone: (954) 427-1228 E-mail: JSMMarineIns@gmail.com www.jsmbrokerage.com Managing General Agency
Kevin Davis Insurance Services
725 S. Figueroa St., Ste. 1860, Los Angeles, CA 90017 Phone: (213) 833-6191 E-mail: sherry.branson@amwins.com www.kdisonline.com MGA, A Licensed Surplus Broker, Managing Underwriter
214 E. Birch Ave., Flagstaff, AZ 86001 Phone: (844) 273-5527, Fax: (928) 779-7221 E-mail: denny.lauritsen@mexicoinsuranceonline.com www.mexicoinsuranceonline.com
LIG Marine Managers
PO Box 899, Charleston, SC 29402 Phone: (843) 577-1484, Fax: (843) 577-1584 E-mail: marketing@jjins.com www.jjins.com Managing General Agency, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter
291 Morris Ave., Summit, NJ 07901 Phone: (800) 526-2199, Fax: (908) 473-0110 E-mail: info@jcinsco.com www.guninsurance.com MGA, A Licensed Surplus Broker, Managing Underwriter
Mexico Insurance Online
PO Box 906, Pewaukee, WI 53072 Phone: (262) 548-9880, Fax: (262) 547-9436 E-mail: maicmarketing@markelcorp.com www.markelmarine.com
Maverick Commercial Insurance Services
1000 Town Center Dr., Ste. 300, Oxnard, CA 93036 Phone: (818) 223-0011, Fax: (818) 223-0012 E-mail: mariogomez@maverickinsure.com www.maverickinsure.com A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter
Mexpro.com / NFP
214 E. Birch Ave, Flagstaff, AZ 86001 Phone: (928) 214-9750 E-mail: mexico@mexpro.com https://www.mexpro.com MGA, A Licensed Surplus Broker, Managing Underwriter
Midwest Employers Casualty
14755 N. Outer 40 Dr., Ste. 300, Chesterfield, MO 63017 Phone: (636) 449-7000, Fax: (636) 449-7199 E-mail: rlunceford@mecasualty.com www.mecasualty.com
MiniCo Insurance Agency, a Jencap Company
10851 N. Black Canyon Hwy, Ste. 200, Phoenix, AZ 85029 Phone: (800) 528-1056 E-mail: sales@minico.com www.minico.com Managing General Agency, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter
Mission Underwriting Managers LLC 34522 N. Scottsdale Rd., Scottsdale, AZ 85266 Phone: (602) 705-1717 E-mail: info@missionunderwriters.com missionunderwriters.com A Licensed Surplus Broker, Managing Underwriter
National Indemnity Company 1314 Douglas, Ste. 1400, Omaha, NE 68102 Phone: (402) 916-3000, Fax: (402) 916-3030 E-mail: info@nationalindemnity.com www.nationalindemnity.com
Nationwide
Kinsale Insurance Company P.O. Box 17008, Richmond, VA 23226 Phone: (804) 289-1300, Fax: (804) 673-5697 E-mail: marketing@kinsaleins.com www.kinsaleins.com
Explore the Potential of what Kinsale can do for your hard to insure accounts. Kinsale Insurance Company is a domestic excess and surplus lines insurance company specializing in casualty, professional, property, specialty, and transportation risks.
Lefebvre Insurance LLC
901 Pleasant Street, #1413, Attleboro, MA 02703 Phone: (800) 451-9668 E-mail: tom@lefebvreinsurance.com www.lefebvreinsurance.com A Licensed Surplus Broker
Legacy Employer Concepts LLC
7901 4th St. N, Ste. 300, St. Petersburg, FL 33702 Phone: (813) 460-9166, Fax: (813) 433-2503 E-mail: brett@legacyemployerconcepts.com www.legacyemployerconcepts.com Managing General Agency, A Licensed Surplus Broker
54 | INSURANCE JOURNAL | JULY 27, 2026
MAXIMUM
222 S. Riverside Plaza, Ste. 2340, Chicago, IL 60606 Phone: (312) 559-9348, Fax: (312) 559-0930 E-mail: joem@maxib.com www.maxib.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent
May Specialty Underwriters 32 Monmouth Street, 2A, Red Bank, NJ 07701 Phone: (201) 247-4291 E-mail: greg.may@mayspecialty.com mayspecialty.com Managing General Agency
McGowan Allied Specialty Insurance
140 Fountain Pkwy N, Ste. 570, St. Petersburg, FL 33716 Phone: (800) 237-3355, Fax: (727) 360-3498 E-mail: tellmemore@mcgowanallied.com www.mcgowanallied.com MGA, A Licensed Surplus Broker, Managing Underwriter
McLeckie Insurance Group
PO Box 770, Naples, TX 75568 Phone: (903) 897-9090, Fax: (760) 462-1696 E-mail: Bill@mcleckie.com www.mcleckie.com Managing General Agency, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter
18700 Hayden Rd, Scottsdale, AZ 85255 Phone: (800) 423-7675, Fax: (480) 483-6752 E-mail: palacj3@nationwide.com nationwideexcessandsurplus.com A Licensed Surplus Broker
Negley Associates
PO Box 134, Roseland, NJ 07068 Phone: (862) 286-3550, Fax: (866) 865-5655 E-mail: info@jjnegley.com www.jjnegley.com MGA, A Licensed Surplus Broker, Managing Underwriter
NeitClem Wholesale Insurance Brokerage Inc. 7442 N. Figueroa St., Los Angeles, CA 90041 Phone: (323) 258-2600, Fax: (323) 258-2676 E-mail: jcenteno@neitclem.com www.neitclem.com A Licensed Surplus Broker
New England Excess Exchange
57 Parker Rd., Barre, VT 05641 Phone: (802) 661-5400 E-mail: achase@neee.com neee.com MGA, A Licensed Surplus Broker, Managing Underwriter
www.insurancejournal.com
Alphabetical Directory of Intermediaries and Carriers Nonprofits Insurance Alliance
ProWriters
PO Box 8507, Santa Cruz, CA 95061 Phone: (831) 459-0461, Fax: (831) 459-0853 E-mail: brokerservices@insurancefornonprofits.org www.insurancefornonprofits.org
Norman-Spencer Agency LLC 8075 Washington Village Dr., Dayton, OH 45458 Phone: (800) 543-3248, Fax: (937) 432-1635 E-mail: info@norman-spencer.com www.norman-spencer.com Managing General Agency
Norman-Spencer International Inc.
150 E. 22nd St., Lombard, IL 60148 Phone: (630) 705-4140, Fax: (630) 705-1056 E-mail: gretchen@normanspencer.com www.normanspencer.com MGA, A Licensed Surplus Broker, Managing Underwriter
Normandy Insurance
4800 N. Federal Highway, Boca Raton, FL 33341 Phone: (866) 688-6442 E-mail: info@normanyins.com https://normandyins.com MGA, A Licensed Surplus Broker, Managing Underwriter
Norvos Insurance
Philadelphia Insurance Companies For more information, check out our ad on page 7 (National). One Bala Plaza Ste. 100, Bala Cynwyd, PA 19004 Phone: (800) 873-4552, Fax: (610) 617-7940 E-mail: phlysales@phly.com www.phly.com A Licensed Surplus Broker
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.
Number One Insurance Agency
Proctor Loan Protector
PO Box 451139, Omaha, NE 68145 Phone: (844) 761-8400, Fax: (844) 761-8402 E-mail: sales@omahanational.com www.omahanational.com
Pacific Excess Insurance Marketing
6363 Katella Ave., Cypress, CA 90630 Phone: (800) 222-5582, Fax: (714) 228-7838 E-mail: marketing@pacificexcess.com www.pacificexcess.com Managing General Agency, A Licensed Surplus Broker
Pacific Gateway Insurance Agency
28470 Ave Stanford, Ste. 325, Valencia, CA 91355 Phone: (800) 354-4844, Fax: (661) 257-5988 E-mail: mark_thorne@pgiainsurance.com www.pgiainsurance.com Managing General Agency, Managing Underwriter
PartnerOne Environmental
425 Locust Ave., 4th Fl, Charlottesville, VA 22902 Phone: (800) 596-0172, Fax: (434) 979-8964 E-mail: p1info@p1enviro.com p1enviro.com MGA, A Licensed Surplus Broker, Managing Underwriter
PERse
23 Corporate Plaza, Ste. 248, Newport Beach, CA 92660 Phone: (949) 873-0324, Fax: (949) 873-0319 E-mail: inquiries@powerenergyrisk.com powerenergyrisk.com Managing Underwriter
www.insurancejournal.com
6797 N. High St., Ste. 335, Worthington, OH 43085 Phone: (614) 841-1425, Fax: (614) 841-1426 E-mail: info@quadrant-us.com www.quadrant-us.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent
Quirk & Company
PO Box 792030, San Antonio, TX 78279 Phone: (800) 299-9421, Fax: (210) 340-4075 E-mail: kquirk@quirkco.com www.quirkco.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent
3785 S. 700 E., Salt Lake City, UT 84106 Phone: (801) 316-4228 E-mail: service@catcoverage.com www.CATcoverage.com A Licensed Surplus Broker
Prime Insurance Company
Omaha National
Quadrant Insurance Managers
Poulton Associates
1800 N. Federal Hwy, Ste., 205, Pompano Beach, FL 33062 Phone: (954) 833-0888 E-mail: marketing@norvosinsurance.com norvosinsurance.com A Licensed Surplus Broker, Managing Underwriter 91 Cedar St., Milford, MA 01757 Phone: (508) 634-2900, Fax: (508) 634-2930 E-mail: numberone@massagent.com www.massagent.com Managing General Agency, A Licensed Surplus Broker
70 E. Lancaster Ave., Ste. 102, Malvern, PA 19355 Phone: (484) 321-2335, Fax: (484) 321-2339 E-mail: info@prowritersins.com www.prowritersins.com MGA, A Licensed Surplus Broker, Managing Underwriter
1 S. Dearborn St., Ste. 800, Chicago, IL 60603 Phone: (800) 257-5590, Fax: (877) 452-6910 E-mail: lisar@primeis.com www.primeis.com 700 Tower Dr., Ste. 400, Troy, MI 48098 Phone: (800) 521-6800, Fax: (248) 269-5605 E-mail: info@pfic.com www.proctorlp.com Managing General Agency, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter
Professional Governmental Underwriters
R.E. Chaix & Associates Insurance Brokers
5 Corporate Park, Ste. 240, Irvine, CA 92606 Phone: (949) 722-4177, Fax: (949) 722-4172 E-mail: timc@rechaixinsurance.com www.rechaixinsurance.com A Licensed Surplus Broker, Lloyd’s Correspondent
RealCare Insurance
548 Market St., PMB 91266, San Francisco, CA 94104 Phone: (800) 996-0599, Fax: (707) 935-7142 E-mail: realcare@nfp.com www.realcareprograms.com Managing General Agency
4870 Sadler Rd., Ste. 102, Glen Allen, VA 23060 Phone: (800) 586-6502, Fax: (804) 272-7852 E-mail: glester@pgui.com www.pgui.com MGA, A Licensed Surplus Broker, Managing Underwriter
Professional Insurance Concepts
389 Interpace Pkwy, 4th Fl, Parsippany, NJ 07054 Phone: (862) 286-3470, Fax: (973) 263-0747 E-mail: DGriffin@ProInsConcepts.com www.ProInsConcepts.com Managing General Agency, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter
Professional Program Insurance Brokerage (PPIB), a Div of SPG Ins. Solutions
1304 Southpoint Blvd., Ste. 101, Petaluma, CA 94954 Phone: (415) 475-4300, Fax: (415) 475-4303 E-mail: info@ppibcorp.com www.ppibcorp.com Managing General Agency, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter
Professional Underwriters Agency (PUA)
2803 Butterfield Rd., Ste. 260, Oak Brook, IL 60523 Phone: (630) 861-2330 E-mail: sandip@puainc.com puainc.com Managing General Agency, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter
Promont Insurance Advisors
123 N. Wacker Dr., Ste. 890, Chicago, IL 60606 Phone: (312) 262-3300, Fax: (312) 262-3301 E-mail: greg.morris@promontadvisors.com www.promontadvisors.com MGA, A Licensed Surplus Broker, Managing Underwriter
REInsurePro
11500 N. Ambassador Dr., Ste. 310, Kansas City, MO 64153 Phone: (816) 398-4080 E-mail: info@reinsurepro.com www.reinsurepro.com
RelMark Program Managers
961 Pottstown Pike, Chester Springs, PA 19425 Phone: (800) 874-5880, Fax: (610) 321-1011 E-mail: RRittersbach@relmarkgroup.com www.relmark.net A Licensed Surplus Broker, Managing Underwriter
Renters Legal Liability - RLL 68 S. Main St., Salt Lake City, UT 84101 Phone: (801) 243-0140 E-mail: daines.brent@rllinsure.com rllinsure.com Managing General Agency
reThought Flood
11001 W. 120th Ave., Ste. 400, Broomfield, CO 80021 Phone: (888) 380-3124 E-mail: flood@rethoughtflood.com www.rethoughtflood.com Managing General Agency, Managing Underwriter
JULY 27, 2026 | INSURANCE JOURNAL | 55
Alphabetical Alphabetical Directory Directory of of Intermediaries Intermediaries and and Carriers Carriers Risk Placement Services Sacramento
2211 Plaza Dr., Ste. 100, Rocklin, CA 95765 Phone: (916) 780-7000, Fax: (916) 780-7181 E-mail: RPS.Rocklin.Webmail@rpsins.com www.rpsins.com Managing General Agency, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter
River Valley Underwriters Inc. 10 Shackelford Plaza, Little Rock, AR 72211 Phone: (833) 788-7887 E-mail: aadams@rvuins.com https://www.rvuins.com MGA, A Licensed Surplus Broker, Managing Underwriter
Roush Insurance Services Inc.
18077 River Rd., Ste. 107, Noblesville, IN 46062 Phone: (800) 752-8402, Fax: (317) 776-6891 E-mail: quote@roushins.com www.roushins.com Managing General Agency, A Licensed Surplus Broker
RPS
2850 Golf Road, Rolling Meadows, IL 60008 Phone: (866) 595-8413, Fax: (630) 285-4075 E-mail: contact_us@rpsins.com www.rpsins.com Managing General Agency, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter
Shelly, Middlebrooks & O’Leary Inc.
PO Box 2909, Jacksonville, FL 32203 Phone: (800) 342-2498, Fax: (904) 355-7611 E-mail: ekoleary@shellyins.com www.shellyins.com Managing General Agency, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter
Shield Commercial Insurance Services 43725 Monterey Ave., Ste. A, Palm Desert, CA 92260 Phone: (760) 345-9029, Fax: (800) 345-4851 E-mail: info@shieldins.net www.shieldins.net MGA, A Licensed Surplus Broker, Managing Underwriter
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.
Signature Specialty, LP
261 N. University Dr., Ste. 510, Plantation, FL 33324 Phone: (416) 413-1167 E-mail: info@sigspecialty.com https://www.sigspecialty.com/ Managing Underwriter
Smart Choice Express Markets
4121 Beechwood Dr., Greensboro, NC 27410 Phone: (336) 217-4680 E-mail: insidesales@smartchoiceagents.com www.expressmarkets.com Managing General Agency, A Licensed Surplus Broker
South & Western General Agency Inc.
RT Specialty
540 West Madison Street, 9th Floor, Chicago, IL 60661 Phone: (312) 651-6000, Fax: (312) 651-6096 E-mail: customer.solutions@rtspecialty.com rtspecialty.com A Licensed Surplus Broker
Sapphire Blue
155 N Wacker Drive, Chicago, IL 60606 Phone: (312) 784-6007, Fax: (312) 784-6002 E-mail: nancy.mcmahon@sapphireblueuw.com sapphireblueuw.com Managing Underwriter
SASSI - Salon & Spa Specialty Insurance 21 Maple Ave., Bay Shore, NY 11706 Phone: (888) 823-9380, Fax: (631) 666-7646 E-mail: info@brownyard.com www.sassiagency.com Managing General Agency, Managing Underwriter
School Bus Insurance Solutions (SBIS)
555 E. North Lane, Ste. 6060, Conshohocken, PA 19428 Phone: (504) 217-7776 E-mail: luishiggins@novacore.com sbisinsure.com MGA, A Licensed Surplus Broker, Managing Underwriter
5801 Tennyson Pkwy. Building III, Ste 600, Plano, TX 75024 Phone: (800) 492-5351, Fax: (972) 855-2970 E-mail: sales@southandwestern.com www.southandwestern.com Managing General Agency, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter
222 Gateway Road W, Napa, CA 94558 Phone: (800) 852-1968, Fax: (707) 252-5905 E-mail: brandon.laam@specialtyprogramgroup.com www.moverschoiceins.com
SPG Wholesale
For more information, check out our ad on page 2 (West). 2550 N Hollywood Way, Ste. 501, Burbank, CA 91505 Phone: (818) 249-0100, Fax: (818) 249-1166 E-mail: clara.cocco@specialtyprogramgroup.com specialtyprogramgroup.com/wholesale MGA, A Licensed Surplus Broker, Lloyd’s Correspondent
Sports & Wellness Insurance
555 E. North Lane, Ste. 6060, Conshohocken, PA 19428 Phone: (610) 808-9599 E-mail: ahblom@novacore.com novacore.com/sportswellness/ Managing General Agency, A Licensed Surplus Broker
Sportunderwriters.com
PO Box 1155, Lake Placid, NY 12946 Phone: (518) 578-6562 E-mail: Nick@sportsinsurance.com sportunderwriters.com MGA, A Licensed Surplus Broker, Managing Underwriter
Starwind Community Associations
PO Box 3140, Ponte Vedra Beach, FL 32004 Phone: (904) 285-7683, Fax: (904) 395-0038 E-mail: AssociationsInfo@starwindins.com www.starwindassociations.com MGA, A Licensed Surplus Broker, Managing Underwriter
Steadily
9450 SW Gemini Dr., PMB 18626, Beaverton, OR 97008 Phone: (888) 966-1611 E-mail: support@steadily.com steadily.com MGA, A Licensed Surplus Broker, Managing Underwriter
Sun Coast General Insurance Agency
PO Box 30750, Laguna Hills, CA 92654 Phone: (800) 300-8838, Fax: (949) 768-4045 E-mail: jyeskin@suncoastinsurance.com www.SunCoastInsurance.com Managing General Agency, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter
Southwest Risk
8144 Walnut Hill Ln., Ste. 1400, Dallas, TX 75231 Phone: (214) 206-4900, Fax: (214) 206-4901 E-mail: info@swrisk.com www.swrisk.com Managing General Agency, A Licensed Surplus Broker
Sovereign Group Int’l Inc.
101College Road East, 3rd Floor, Princeton, NJ 08540 Phone: (732) 750-2300, Fax: (732) 750-1650 E-mail: bill@sovereignins.com www.sovereignins.com Managing General Agency, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter
Specialty Wholesale Insurance Solution (SWIS), a Div of SPG 5 Bryant Park, 3rd Floor, New York, NY 10018 Phone: (866) 607-8370, Fax: (212) 338-2910 E-mail: COBrien@spgswis.com www.spgswis.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent
SPG Environmental
425 Locust Ave., 4th Fl, Charlottesville, VA 22902 Phone: (800) 596-2156, Fax: (434) 979-8964 E-mail: environmental@specialtyprogramgroup.com specialtyprogramgroup.com/wholesale/environmental MGA, A Licensed Surplus Broker, Managing Underwriter
56 | INSURANCE JOURNAL | JULY 27, 2026
SPG Transportation - Moving and Storage
Synergy Professional Associates Inc. 100 Passaic Ave., Ste. 145, Fairfield, NJ 07004 Phone: (973) 995-0500, Fax: (973) 995-0501 E-mail: michelem@synergy-ins.com www.synergy-ins.com Managing General Agency, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter
Target Managers Insurance Services
10161 Park Run Dr., Ste. 150, Las Vegas, NV 89145 Phone: (702) 588-5300, Fax: (702) 588-5310 E-mail: mkiger@targetmanagers.com www.targetmanagers.com MGA, A Licensed Surplus Broker, Managing Underwriter
Target Professional Programs
1230 E. Diehl Rd., Ste. 350, Naperville, IL 60563 Phone: (331) 333-8239, Fax: (630) 961-0284 E-mail: sreidy@targetproins.com www.TargetProIns.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent
www.insurancejournal.com
Alphabetical Directory of Intermediaries and Carriers TDC Specialty Underwriters
UCPM
Texas Mutual Insurance Company
UFG Specialty
29 Mill Street, Unionville, CT 06085 Phone: (888) 277-3152, Fax: (888) 277-3152 E-mail: submissions@tdcspecialty.com www.tdcspecialty.com Managing Underwriter 2200 Aldrich St., Austin, TX 78723 Phone: (800) 859-5995 E-mail: information@texasmutual.com www.texasmutual.com
The American Equity Underwriters Inc. 32nd Fl, 11 N. Water St., Mobile, AL 36602 Phone: (251) 690-4230, Fax: (251) 690-4299 E-mail: aeu.marketing@amequity.com www.amequity.com
The Hartford
One Hartford Plaza, Hartford, CT 06155 Phone: (860) 547-5000 E-mail: media.relations@thehartford.com thehartford.com Lloyd’s Correspondent, Managing Underwriter
3345 S. Val Vista Dr., Ste. 300, Gilbert, AZ 85297 Phone: (480) 682-1540 E-mail: marketing@ucpm.com www.ucpm.com Managing General Agency, Managing Underwriter 3200 N. Central Ave., Ste. 1225, Phoenix, AZ 85012 Phone: (319) 247-6421 E-mail: specialtymarketing@unitedfiregroup.com www.ufgspecialty.com
Unitas Financial Services
6543 Commerce Pkwy, Ste. M, Dublin, OH 43014 Phone: (954) 931-4795, Fax: (866) 847-5565 E-mail: john.watt@unitas360.com www.unitas360.com Managing General Agency, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter
Universal Insurance Programs
1220 E. Osborn Rd., Phoenix, AZ 85014 Phone: (800) 844-2101, Fax: (866) 512-2272 E-mail: info@uiprograms.com www.uiprograms.com MGA, A Licensed Surplus Broker, Managing Underwriter
US Assure
8230 Nations Way, Jacksonville, FL 32256 Phone: (800) 800-3907 E-mail: marketing.info@usassure.com usassure.com MGA, A Licensed Surplus Broker, Managing Underwriter
The McGowan Companies
Corporate HQ; 20595 Lorain Rd., Fairview Park, OH 44126 Phone: (800) 545-1538, Fax: (440) 333-3214 E-mail: syoung@mcgowancompanies.com www.mcgowancompanies.com Managing General Agency, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter
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 E-mail: mkatz@mechanicgroup.com www.mechanicgroup.com Managing General Agency, A Licensed Surplus Broker
TME Travel Insurance
2550 E Rose Garden Ln #72566, Phoenix, AZ 85050 Phone: (602) 344-9225, Fax: (602) 551-8968 E-mail: roxannabrock@gmail.com, Info@tmetravelinsurance.com tmetravelinsurance.com Managing General Agency
Transportation Risk Underwriters
7237 Oak Ridge Hwy, Knoxville, TN 37931 Phone: (800) 977-9884, Fax: (800) 686-2170 E-mail: underwriting@transportationrisk.com www.transportationrisk.com Managing General Agency, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter
Truckers Insurance Associates 6400 Westown Pkwy, West Des Moines, IA 50266 Phone: (800) 652-9515 E-mail: mlieb@truckers-insurance.com www.truckers-insurance.com Managing General Agency
True Transport Insure
555 E. North Lane, Ste. 6060, Conshohocken, PA 19428 Phone: (610) 808-9559 E-mail: tjkane@novacore.com truetransportinsure.com MGA, A Licensed Surplus Broker, Managing Underwriter
www.insurancejournal.com
USASIA Insurance Services
Wholesure
401 N. Michigan Ave., Ste. 2400, Chicago, IL 60611 Phone: (888) 376-9633 E-mail: marketing@wholesure.com www.wholesure.com/ Managing General Agency, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter
Wilkoff Bonds
135 Crossways Park Dr., 3rd Fl, Woodbury, NY 11797 Phone: (516) 747-0200, Fax: (516) 747-2021 E-mail: mwilkoff@wilkoffbonds.com www.wilkoffbonds.com Managing Underwriter
World Wide Specialty, a Div of Philadelphia Ins. Co’s 68 S. Service Rd., Ste. 235, Melville, NY 11747 Phone: (800) 245-9653, Fax: (631) 390-0922 E-mail: dtaylor@wwspi.com www.wwspi.com Managing General Agency
Wrap Up Insurance Solutions 16141 Swingley Ridge Rd., Chesterfield, MO 63017 Phone: (636) 489-0185, Fax: (636) 536-7473 E-mail: bbillhartz@wrapupsolutions.com www.wrapupsolutions.com
XPT Specialty
50 Brewery St., Ste. 8476, New Haven, CT 06530 Phone: (972) 702-0500, Fax: (972) 702-0504 E-mail: mark.kaufman@xptspecialty.com www.xptspecialty.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent
319 Union Ave., Pomona, CA 91768 Phone: (909) 618-0288, Fax: (909) 618-0289 E-mail: shirley@usasia-ins.com www.usasia-ins.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent
Victor Insurance Managers LLC
7700 Wisconsin Ave., Ste. 400, Bethesda, MD 20814 Phone: (301) 961-9800, Fax: (301) 951-5444 E-mail: info.us@victorinsurance.com www.victorinsurance.com Managing General Agency, Managing Underwriter
Vintage Underwriters
7950 Westglen, Houston, TX 77063 Phone: (713) 773-6400, Fax: (713) 773-6410 E-mail: marketing@vintageunderwriters.com www.vintageunderwriters.com Managing General Agency, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter
Virtue Risk Partners LLC
One Blue Hill PLaza, Pearl River, NY 10965 Phone: (845) 205-0301 E-mail: jvalenza@virtuerisk.com www.virtuerisk.com MGA, A Licensed Surplus Broker, Managing Underwriter
Walter General Agency (WGA)
273 Clarkson Rd., Ste. 102, Ellisville, MO 63011 Phone: (636) 391-4841, Fax: (636) 391-2115 E-mail: newquotes@wgamo.com www.wgamo.com Managing General Agency, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter
Western Surplus Lines Agency Inc.
PO Box 6609, Abilene, TX 79608 Phone: (800) 592-4408, Fax: (325) 695-0371 E-mail: bcraig@westernsurplus.com www.westernsurplus.com Managing General Agency, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter
JULY 27, 2026 | INSURANCE JOURNAL | 57
Idea Exchange: The Competitive Advantage
Money Costs Money
I
nsurance is part of the financial industry. Therefore, a reasonable assumption is that executives in the insurance industry would know that money costs money. Based on their actions, though, it seems many don’t know or have forgotten. The few that do truly understand this fact possess quite a competitive By Chris Burand advantage. The easiest example to explain the cost of money is to use a loan. I want to borrow $1 million. The bank is going to charge me 7% annual interest. The cost of 58 | INSURANCE JOURNAL | JULY 27, 2026
money is 7% of the outstanding principal for the length of the loan. Let’s say I never make any principal payments. The loan is interest-only. Therefore, the cost of that money is $70,000 per year. It is not that different from renting a house. I am “renting” someone else’s money. If the lender could charge 8% without any additional risk, they should charge 8%. That is no different than an apartment owner who could charge $5,000 rather than $4,000. The lender has X amount of money to lend, and they must optimize their return relative to the risk of borrower default. Some executives begin losing sight of the reality that money costs money when it comes to equity. Equity costs money,
too; it is not free. I attended a quarterly conference call with the CEO of an insurance company. (Some facts have been changed in this story to protect me, primarily.) The CEO explained that stockholders wanted a return on their investment. That shouldn’t be a surprise. A return on equity is the equivalent of the interest on a loan, but payment for the risk of buying a company’s stock. He went on to say that his company could not generate enough cash to make adequate dividend payments to shareholders. Shareholders do not receive interest payments, but they can be paid dividends, and dividends have a cost. This is why dividend yield is an important INSURANCEJOURNAL.COM
metric. It is usually far lower (60% or more) than the interest rate. The CEO left out of his presentation that, unlike debt, where only one stream is available to the lender, equity has two streams. He left out the second stream: an increase in the stock price. Shareholders give a company money to invest, and they expect to be paid, in some combination, dividends and an increase in the stock price for the use of their money. How much they want depends on many factors, including risk. The riskier the investment, the more they demand. For publicly traded insurance companies, my estimate is that investors want an average return of approximately 15% INSURANCEJOURNAL.COM
on their equity. (Stock carriers’ five-year average is approximately 15.5% per AM Best, versus the cost of equity, which is about 9% for stock carriers.) This means that if I give an insurance company $1 million, I want $150,000 per year in some combination of increased share price and dividends. A company that cannot deliver is less valuable and has more difficulty raising money. Therefore, the company must promise more, which means a higher cost of equity. In this insurance company’s case, its cost of equity was approximately 45% higher than average. Frankly, it is nearly impossible to deliver a return that high to shareholders, which usually means the company will not be around for long. Another example involves a broker who bought a lot of other brokers. In fact, I’ve seen many brokers do this. This broker made large down payments and then only calculated the cost of the debt for the remainder. In other words, in his mind, if he had money in the bank, it was free money. There was no cost. He valued his cash at 0%. There is a cost, though. Consider two investments: one can generate 8%, and the other 12%. If you choose 8% with your “free” money, your opportunity cost is four percentage points, or 33%. Valuing your cash at 0% has led to more than a few agencies being out of trust, being forced into a sale, having the existing shareholders’ values cut significantly when new shareholders are asked to save the company with their equity purchases, and so on. Nothing is free. Another angle is that it costs money to make money. Most companies, especially small ones, have no idea how much it costs them to build their company. This is why it’s called “sweat equity.” Therefore, companies, even big companies, use hurdle rates and internal rates of return to judge the value, i.e., cost of their own money. This helps them better judge whether to make an investment or an acquisition because it acknowledges that their cash has a price. Many serial buyers have been extremely lucky that the value of insurance distribu-
tion has skyrocketed. Most agency buyers are generating no operational or scaling efficiencies. This means that without financial engineering, applying accounting tricks and a lot of leverage, aided and abetted by the exponential expansion of the money supply, many serial acquisitions would have failed by now.
‘Most companies, especially small ones, have no idea how much it costs them to build their company.’ People, even finance executives, have a really difficult time understanding how something has a cost if it’s not listed on the income statement or, at least, the cash flow statement. The cost of stock options is that they dilute the value of the shares already owned by other stockholders. Now, if the stock price increases fast enough, and the dilution is minute, the other shareholders probably do not care. But not caring is not the same as being free. Some people believe they understand that money costs money. These people usually think of it as the time value of money. Money today is worth more than money tomorrow, but how much more? In finance, this is called the discounted future cash flow, in which each future year’s cash flow is discounted at a compound rate. That percentage is the cost of money. If the cost of money is 15%, then it is discounted by 15% per year. The concept that money costs money also applies directly to insurance premiums. Is it better to insure my art or save the money and invest it at 15%? Which is the better investment? While money is flowing freely to private equity and equity markets in general, it can seem free even when it is not. Smart planners calculate the cost and spend or invest it accordingly. If that carrier CEO had understood the two streams of equity, he might not have had to sell the company. Burand is the founder and owner of Burand & Associates LLC based in Mountainair, NM. Phone: 719-4853868. Email: chris@burand-associates.com. JULY 27, 2026 | INSURANCE JOURNAL | 59
Idea Exchange: Emerging Risks Emerging Risks to Watch: Quantum Computing, Data Center Buildout, and Peptides
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merging risks rarely arrive fully formed. They evolve at the edges of innovation, where opportunity and uncertainty intersect. Advances By Lee Shavel in areas like quantum computing, AI infrastructure, and treatment therapy are reshaping industries with remarkable speed, but they are also introducing new and often underappreciated exposures. For insurers, the challenge is not simply to track these developments but to understand how they may translate into real-world risks across operations, liability, and systemic disruption.
A Coming Quantum Leap?
While much of the world appears focused on AI, another potentially revolutionary technological innovation is hovering just over the horizon: quantum computing. Unlike traditional or “classical” computers, which encode information
into bits that are either in one of two positions (on/off, or 1/0), quantum computers encode information into quantum bits, or “qubits,” which can exist in a superposition of multiple positions. Qubits can encode more information than classical bits and may be able to perform computations that classical computers either can’t or would take impractical time to complete. Although we presently do not have quantum computers that can perform the full range of the technology’s anticipated capabilities, there is an active—albeit nascent—quantum computing industry that generated an estimated $1.45 billion in revenue in 2024 and is projected to grow to $2.2 billion by 2027. The industry remains relatively novel, but several large facilities are being constructed to house new quantum computers. While we may be years away from a robust quantum computer, potential P/C exposures may arise in connection with today’s quantum computing industry. These may range from commercial inland marine risks associated with the transportation of high-value quantum computing
equipment to potential litigation risks related to the statements and disclosures made by directors and officers in the quantum computing supply chain. Even farther beyond the horizon lies a more remote but potentially significant risk: the development of a cryptographically relevant quantum computer capable of breaking public key encryption, potentially compromising the confidentiality, integrity, and availability of systems and data—a phenomenon more colloquially known as Q-Day. Estimates for such an event vary widely, ranging from as early as 2029 to perhaps never. Still, if such a quantum breakthrough were to occur, it could potentially have consequences that extend across technological supply chains, impacting a wide variety of businesses and industries. But even if Q-Day turns out to be many years away, companies (particularly those stewarding highly sensitive data) may face increasing regulatory, operational, and risk management considerations related to the transition to newly standardized “post-quantum” algorithms. As some legal scholars have noted, encryption and cybersecurity decisions may become a potential source of liability for companies facing negligence lawsuits following a data breach.
A Data Center Boom … or Bust?
Present-day quantum computing services increasingly rely on the physical and computational infrastructure of modern data centers. And while many of these technological advances remain under development, the push to support the AI economy has already driven a surge in hyperscale data center investment and construction. According to one industry tracker, total spending on data center construction starts reached $46.5 billion through Q1 this year, compared to $7.3 billion at the same point in 2025. Despite this building pace, trends toward larger, more energy-intensive 60 | INSURANCE JOURNAL | JULY 27, 2026
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data centers have encountered several challenges. Nearly half of all data center projects poised to start construction this year are experiencing delays or cancellation due to factors such as supply chain shortages, permitting holdups, and power grid interconnection backlogs. Public opposition to AI data centers being built in their communities can also contribute to potential project cancellations or delays. A survey released in May showed that 7 in 10 Americans oppose the construction of AI data centers in their local communities, and 25 planned data center projects were canceled last year. Supply chains and public opinion aside, hyperscale data center projects may also be impacted by a shortage of skilled labor and expertise required for these increasingly technical builds. An industry analysis noted that 58% of data center managers surveyed reported difficulties filling open positions. If data center projects of this scope, cost, and complexity encounter delays, it may increase the likelihood of contractual or commercial disputes. Even stakeholders in projects that aren’t beset by delays may face claims aimed at entities and their directors and officers.
sometimes promote peptides that promise a range of potential health and cosmetic benefits. For insurers, there are potential liability concerns with these drugs. Peptides have served as the basis of numerous pharmaceuticals, including insulin. There are almost 100 peptidebased drugs approved globally, with others in various stages of pre-clinical and clinical trials. A wide variety of non-prescription peptides have grown in prominence thanks to social media influencers peddling health, wellness, and cosmetic products. This class of peptides—which may not have FDA approval for the uses for which they’re marketed, or may be sold through consumer channels with varying degrees of regulatory oversight—
could pose a variety of potentially serious adverse health reactions, including possible death. Other serious concerns include the reported marketing of peptides as so-called “research chemicals,” which are peptide products labeled as unsafe for human consumption but nevertheless circulated through less-regulated networks of wellness clinics, compounding pharmacies, and telehealth operations. These distribution channels and marketing practices may raise some liability considerations, including potential claims related to misleading or unsubstantiated health-related representations, in addition to potential bodily injury risks associated with possible impurities contained in these research peptides. While each of these three risk trends is still evolving, their implications for the insurance industry are already coming into focus. By taking a proactive, disciplined approach to these risks, the insurance industry can position itself to respond more effectively and avoid being caught off guard as today’s breakthroughs become tomorrow’s loss events. Shavel is president and chief executive officer of Verisk, a data analytics and technology partner to the global insurance industry. He brings nearly 30 years of experience advising and leading publicly traded companies to Verisk.
The Rise of Peptides
Peptides have burst into the public’s consciousness, driven in part by popular weight-loss drugs such as GLP-1—where the “p” stands for peptide—and through health and fitness media and influencers, who INSURANCEJOURNAL.COM
JULY 27, 2026 | INSURANCE JOURNAL | 61
Idea Exchange: Professional Liability
When E&O and D&O Lines Start to Blur
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t’s not always immediately clear which coverage line a claim will ultimately engage at the outset. What initially appears to fall within By Karli Moore errors and omissions liability (E&O) may also raise questions about leadership decisions, oversight, or disclosure, bringing directors and officers liability (D&O) considerations and Lauren Engnell into view. In these situations, the focus is less on categorization and more on how the claim 62 | INSURANCE JOURNAL | JULY 27, 2026
is evaluated and handled as additional facts emerge. Claims often develop across multiple dimensions, requiring coordination across functions and, at times, across more than one coverage line. So, where does a claim go when it doesn’t fit neatly into a single policy? Increasingly, that question is shaping how organizations approach risk—reflecting the reality that exposures do not always align cleanly with how coverage is structured in practice.
Where E&O and D&O Exposures Overlap in Claims
E&O and D&O serve different purposes on paper, but in practice those boundaries are less defined. A workplace complaint, such as a
termination, discrimination allegation, or retaliation claim, typically begins within HR but then expands into a broader review of how decisions were made, documented, and approved, raising questions about oversight, escalation, and accountability at the leadership level. Data-related issues follow a similar trajectory, beginning with how information was handled while providing services before extending to internal controls, governance, and disclosure obligations. The same dynamic works in reverse. Changes to pricing, service delivery, or client engagement may originate as business or strategic decisions but draw scrutiny around how those choices affected customers or counterparties in practice. These situations regularly cross funcINSURANCEJOURNAL.COM
tions and involve more than one insurance policy. However, many programs still treat these risks as separate, which complicates the response once a claim begins to take shape.
When Coverage Structure Breaks Down Under Pressure
Organizations typically maintain distinct towers for E&O, D&O, cyber, and employment practices liability. That structure works when claims stay within expected boundaries. It becomes more complex when they don’t. When exposures overlap, several issues tend to surface: • Unclear response across policies: Determining which policy applies, or in what order, slows decision-making at critical early stages, when timing matters most. • Misaligned limits and retentions: Programs are typically structured around single-line claims, even as losses span employment, governance, and data-related risks, leaving potential gaps in how limits are deployed or retentions are triggered. • Coverage gaps tied to exclusions or design: Scenarios involving internal decision-making, use of data, or service delivery don’t always align cleanly with a single policy, particularly when exclusions are applied across lines. Consider a situation involving the use of client or employee data. Even without a breach, questions may arise around how information was collected, how consent was obtained, or how it was used in decision-making. At that point, additional coverages could come into play, including D&O considerations related to oversight or disclosure. If those policies don’t align, or if responsibilities across carriers are unclear, the disconnect generally isn’t visible until coverage is already being evaluated under pressure.
Why Claims Are Moving Faster and Drawing Earlier Attention
Claims are moving more quickly than they once did, in many cases drawing INSURANCEJOURNAL.COM
attention before a formal filing occurs. Regulatory expectations have increased around governance, disclosure, and data practices. Litigation has become more aggressive, and public visibility develops earlier, particularly in matters involving leadership decisions or workplace concerns. This shortens the window to respond and increases the complexity of early-stage decision-making. Legal, operational, and reputational considerations tend to unfold at the same time. Teams initiate internal reviews, engage outside counsel, and manage communications with stakeholders or regulators without a complete picture of the issue or its potential trajectory. Even before a claim is formally filed, organizations begin responding to internal complaints, regulatory inquiries, or third-party concerns. A workplace allegation or a question about how client data was handled might trigger internal investigations, outside counsel, and early communications—costs that accumulate quickly regardless of whether the matter ultimately results in litigation. When those issues raise both professional service and governance questions, uncertainty between E&O and D&O coverage delays coordination at a critical stage. That uncertainty—whether between policies or across carriers—adds cost and complexity rather than reducing it.
‘As claims increasingly span functions and coverage lines, organizations are beginning to look at professional liability more holistically rather than as a collection of separate lines.’ Aligning Coverage with How Claims Actually Unfold
As claims increasingly span functions and coverage lines, organizations are beginning to look at professional liability more holistically rather than as a collection of separate lines. That shift makes it more important to evaluate how coverage works together before a claim begins to unfold.
Here are a few considerations: • Review how policies interact. Looking across E&O, D&O, cyber, and employment practices coverage helps clarify how a program is likely to respond in practice, not just in isolation. • Align coverage with current operations. Changes in workforce models, technology use, and service delivery can introduce risks that existing programs were not designed to address. • Focus on how decisions are made and documented. Many claims ultimately turn on process. Clear documentation, defined approval structures, and escalation paths create a more defensible record of decision-making. • Coordinate early across teams. Most professional liability issues involve more than one function, requiring coordination across legal, HR, risk, and leadership from the outset. These are not new considerations, but they take on greater importance as claims develop more quickly and cut across multiple areas of the business.
Navigating Overlapping Exposures in Practice
Don’t wait for a claim to expose where gaps exist. Assess how policies interact, whether limits align with how losses develop, and how exclusions apply across exposures before decisions need to be made under pressure. That work is most effective when it reflects how claims are actually handled, not how coverage is structured on paper. Aligning programs with real-world decision-making, documentation, and cross-functional coordination creates a stronger foundation before issues arise. When alignment is in place, organizations are better positioned to respond with clarity, even as circumstances change and additional considerations come into scope. Moore is senior claims manager, and Engnell is director, management liability at Intact Insurance Specialty Solutions. Reach Moore at kmoore@intactinsurance.com and Engnell at lengnell@intactinsurance.com. JULY 27, 2026 | INSURANCE JOURNAL | 63
Idea Exchange: Ask the Insurance Recruiter
Balancing Technology and Human Touch in the Hiring Process
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echnology has revolutionized job searching. Not long ago, we relied on newspaper ads and faxed resumes. Now, By Mary Newgard we have one-click applications everywhere online. This convenience benefits both job seekers and employers but can also be distracting. Managing a flood of applications is overwhelming. It’s easy for job seekers to forget where they applied. The information overload makes navigating HR systems and building a useful database challenging. Despite this easy-application era, insurance agencies still struggle to find and engage quality candidates, which means you shouldn’t fall into the trap of relying on technology to lead your hiring process. Here are ways I see a human touch is needed in the recruiting process.
Clearly Outline Your Process
To stand out, minimize distractions for job seekers. Your goal is a seamless process that sets you apart from competitors. Often, job seekers feel like the process is one-sided—i.e., a lot of requests and demands by the hiring company with little or no explanation. 64 | INSURANCE JOURNAL | JULY 27, 2026
During the first call, outline your hiring process from A-to-Z. Ask candidates if your requirements fit their timeline and align with their other interviews. Clearly communicate expectations for tasks like assessments, interviews, and background checks. Each request can affect a candidate’s interest in your opportunity.
Differentiating Your Company
A lasting impression is crucial. Don’t do what many companies do, which is rely solely on the job opening to differentiate them from other organizations in the eyes of the job seeker. Candidates choose jobs for the people and culture, not just the responsibilities or salary. From the first interaction to the last, focus on building relationships. Share info on benefits early in the process because this is hugely important to many job seekers. Introduce them to potential coworkers through informal meetings so candidates can get a feel for what it would be like to work on that team. Be an advisor, not just a hiring manager. This is most valuable during the resignation phase, where candidates can feel isolated after turning in their notice. They might feel pressured to stay with their current employer through emotional pleas or shocking amounts of money. Your
insight, critical thinking, and ability to be a sounding board will go a long way to remind them why the best thing to do is come to work for you.
Maintaining Connections Beyond Hiring
You won’t hire everyone, but every interaction strengthens your pipeline and creates referral opportunities. Checking in is easy. Set reminders to follow up 30 days after a candidate withdraws (either exited the process or declined an offer). Find out where they ended up, connect on LinkedIn, and update their file. Survey new employees 60-90 days after their first day. Ask what they like about your hiring process and for suggestions of how you could improve the experience for other job seekers. It’s also an excellent time to request referrals. Every six months, review past applicants to find those worth nurturing for future roles. I can’t tell you how many people I’ve helped place in jobs months or even years after their initial application.
Newgard is partner and senior search consultant for Capstone Search Group, a national recruiting firm dedicated to the insurance industry. Email: asktherecruiter@ csgrecruiting.com. INSURANCEJOURNAL.COM
Spotlight: Disaster Preparedness continued from page 26
risk by increasing the frequency, intensity, and overlap of extreme events, stretching infrastructure and recovery systems in unpredictable ways. In short, future events won’t just cost more, they’ll unravel in more directions at once. Current methods for estimating PLA don’t yet reflect this messy, layered complexity. Score: 2/5, inadequately prepared. Katrina prompted PLA to be considered, but we still rely on simple, backward-looking estimates that don’t reflect the complexity or scale of future cascading losses.
5. Coverage disputes could escalate faster and cost more.
Hurricane Katrina sparked public outrage over insurance coverage gaps, especially the distinction between wind or flood (storm surge) damage. These conflicts triggered protracted court cases that proved costly and reputationally damaging for insurers, who subsequently tightened up policy wordings relating to peril type coverage. Looking ahead, the risk may be growing. A future $100 billion-plus catastrophe could involve novel, layered factors, like an AI system failure, cyberattack, or civil unrest coinciding with a natural disaster, raising even more contentious and ambiguous coverage questions. In such cases, insurers may have to deal with more disputed claims, class actions, and regulatory scrutiny. Compounding the risk is the growth of social media, which now shapes how disasters unfold in the public eye. A single viral post from a dissatisfied policyholder can spark widespread backlash long before a claim is fully assessed. Yet few insurers have robust modelling capability to quantify the financial and reputational impact of such disputes. The result is exposure to costs that can escalate in both scale and speed and where reputational fallout once took months to unfold, it can now do so in hours. Score: 2/5, inadequately prepared. While policies are clearer for known gray areas, policy wording may have to INSURANCEJOURNAL.COM
continue to evolve to avoid the risk of costly litigation and public backlash, which remains a high risk given changing threats and the speed at which disputes can now unfold.
strategies for managing climate change in the (re) insurance industry.
Boyd is head of model research at Willis Research Network. Since 2014, she has held various positions in the (re)insurance industry that include catastrophe model development, consultancy, model evaluation, and natural catastrophe research. Her primary focus at Willis involves evaluating catastrophe models, adjusting models to refine the Willis view of risk, counterfactual analysis, and developing
Bannister is weather & climate risks research lead at Willis Research Network. After working as a research associate at the University of Cambridge, and as a regional climate modeler at the British Antarctic Survey, he moved to apply his understanding of climate systems in the aviation industry. More recently, he worked as a climate scientist at Cervest developing statistical models to analyze extreme future climate conditions, at high-spatial resolution, with a particular focus on extreme windstorm events, to help organizations disclose climate-related risks.
July 27, 2026
July 27, 2026
OBI National Insurance Company 605 Highway 169 North, STE 800 Plymouth, MN 55441
General Security National Insurance Company 28 Liberty Street, STE 5400 New York, NY 10005
The above company has made application to the Division of Insurance to amend their Foreign Company License to transact Accident and Health Insurance in the Commonwealth of Massachusetts.
The above company has made application to the Division of Insurance to amend their Foreign Company License to transact Property and Casualty Insurance in the Commonwealth of Massachusetts.
Any person having any information regarding the company which relates to its suitability for the license or authority the applicant has requested is asked to notify the Division by personal letter to the Commissioner of Insurance, 1 Federal Street, Suite 700, Boston, MA 02110, Attn: Financial Surveillance and Company Licensing within 14 days of the date of this notice.
Any person having any information regarding the company which relates to its suitability for the license or authority the applicant has requested is asked to notify the Division by personal letter to the Commissioner of Insurance, 1 Federal Street, Suite 700, Boston, MA 02110, Attn: Financial Surveillance and Company Licensing within 14 days of the date of this notice.
July 27, 2026 OBI America Insurance Company 605 Highway 169 North, STE 800 Plymouth, MN 55441 The above company has made application to the Division of Insurance to amend their Foreign Company License to transact Accident and Health Insurance in the Commonwealth of Massachusetts. Any person having any information regarding the company which relates to its suitability for the license or authority the applicant has requested is asked to notify the Division by personal letter to the Commissioner of Insurance, 1 Federal Street, Suite 700, Boston, MA 02110, Attn: Financial Surveillance and Company Licensing within 14 days of the date of this notice.
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2, 3 5 68 25 9 19 W2 7
JULY 27, 2026 | INSURANCE JOURNAL | 65
Closing Quote Agency Guide for a Practical Approach to AI Rollouts
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By Ashley Kelley
‘Without this structure, employees will likely only experiment with AI. With it, they will be more willing to fold it into their daily work.’
ndependent agencies have no shortage of AI-powered solutions to choose from. Tools that can reduce manual work, improve speed, and support better decision-making are everywhere in today’s market. Many well-intentioned leaders manage AI rollouts as discovery processes. By providing real use cases, training, and promises of improved efficiency, they expect employees to learn and embrace new technologies on their own. Successful adoption doesn’t happen that way. It requires a clear, structured approach, defined before anyone introduces the technology.
Where AI adoption breaks down in insurance agencies.
In Vertafore’s recent trends report, agency employees reported being less certain than leaders about how much their teams will use AI in 2026. This enthusiasm gap highlights why some AI rollouts succeed while others fall short. Here’s how many adoptions unfold: In a well-meaning attempt to get teams excited about a new AI tool, leaders provide use cases and training, and employees test the
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tools—but hesitate to rely on them. Instead, they repeat the same work manually rather than depend on AI’s output. To change this, leaders need to launch with a clear process for how AI will be used—one that incorporates employee input and defines how the technology fits into daily work. Without this structure, employees will likely only experiment with AI. With it, they will be more willing to fold AI into their daily work.
Start with your team to accelerate AI adoption.
Successful AI adoption starts with people, not technology. Before anyone turns on a computer, leaders need a quick read on how employees feel about using AI—where they’re confident, skeptical, and hesitant. This can be as simple as asking a few direct questions: Where are you already using AI? Where does it feel helpful? Where does it feel unclear or risky? This doesn’t take long, but it’s a step that can’t be skipped. This input determines how the rollout should begin—what requires explanation, where guardrails are needed, and where teams are ready to move faster. From there, leaders identify champions and early adopters. Start with people who are already experimenting. They don’t need to be experts—they need to be willing to test and share what works. As they work through early use, they surface what works and what needs adjustment. At the same time, leaders set
expectations, so employees know when to rely on AI, when to override it, and who is accountable for the result.
What happens when adoption is done right.
When adoption is structured correctly, teams rely on AI to move things faster, handle more volume, and return time to people so they can focus on higher-value activities. Over time, those gains compound, work becomes more consistent, and processes become scalable. When adoption is not structured, the opposite happens. AI remains situational. Employees use it in isolated moments instead of across processes, creating inconsistency instead of efficiency. Instead of improving operations, it introduces variation. Adoption determines whether AI becomes part of how the agency runs—or just another tool in the stack.
Agencies that move now build the advantage.
Agencies that delay integrating AI into their workflows are not maintaining their position—they are losing it to agencies that are already reducing manual effort and improving turnaround times. The difference is not access to technology. It is how quickly leaders move from understanding their team to applying AI inside their systems and workflows. Kelley is the vice president of Solution Consulting at Vertafore with 15-plus years in insurtech. Her expertise spans carrier, MGA, and agency operations. INSURANCEJOURNAL.COM
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