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September 21, 2026 • Vol. 104 No. 14

Contents News & Markets

Special Report

Idea Exchange

GEICO Avoids Class Action Over Totaled Vehicle Payouts in New Jersey

Special Report: Agency Networks: Finding New Pathways for Growth

Global Insured Catastrophe Losses Expected to Average $171 Billion Annually: Verisk

Special Report: Top 20 Agency Partnerships

2026 Professional Liability Risks Directory

First-Half US P/C Industry Underwriting Gain Jumps to $31.7B

Ask the Insurance Recruiter: Is Your Hiring Process a Dream or a Nightmare for Job Seekers?

Underwriting & Litigation Lessons Stem from NYC’s Pfizer Building Conversion Mishap

Claim Severity Is Outgrowing Small Trade Contractors

Judge Throws Out Bulk of Economic Claims Over Baltimore Bridge Tragedy

The Marketing Connection: Maximizing Marketing Value From All Sides

Closing Quote: Subsidized Immigration Enforcement Insurance

Departments 6 Opening Note

10 Figures

4 | INSURANCE JOURNAL | SEPTEMBER 21, 2026

11 Declarations

18 People

20 Business Moves

INSURANCEJOURNAL.COM

THE POWER OF

PARTNERSHIP Whether you are kicking off your agency or deep in the fourth quarter – Smart Choice can help you learn, grow and transition.

Global Insurance Group Founder Fuad Reveiz and Smart Choice Territory Manager Angela Shelton This agency founder and former NFL placekicker is earning higher commission points and scoring bonuses thanks to his partnership with Smart Choice. Fuad Reveiz played 11 seasons for the Miami Dolphins, San Diego Chargers, and Minnesota Vikings. A 1994 Pro Bowl and All-Pro selection, he set an NFL record with 31 consecutive field goals.

WWW.SMARTCHOICEAGENTS.COM

888.264.3388

We started this agency working with Smart Choice and 12 years later we are still fully committed to our relationship. Our agency specializes in challenging types of coverage with a focus on construction and the restaurant business. Plus, we have expanded into long-haul trucking, vacation rentals and pollution policies. Each time, Smart Choice has directed us the right way and been our back-up for each opportunity.

Inc. Magazine has selected Smart Choice as a Power Partner award winner every year since the program’s inception four years ago -- as a company devoted to providing agencies with the tools and resources they need to start, run, and grow their businesses. Smart Choice was the only insurance network to be recognized.

Opening Note Write the Editor: awells@insurancejournal.com

ADMINISTRATION / CIRCULATION

AI Feelings

here’s no question AI-enabled technology tools are helping agencies become more efficient. From chatbots to advanced data analytics and coverage comparisons, AI is making huge advances in efficiency for the insurance industry. “It’s sort of funny. If you asked me a year ago, maybe two years ago, ‘What am I thinking about AI?’ I would say I’m sort of ignoring it, hands over the eyes and the ears and the mouth,” Matt Masiello, CEO of SIAA, told Insurance Journal. “Now we’re implementing business intelligence and AI.” Even so, there seems to be a growing negative sentiment throughout the insurance industry, more notably at the carrier level. A new report, Glassdoor’s Employee Confidence Index, highlights insurance industry employees’ growing negativity toward AI job displacement, as sector employment dropped 21% year-over-year and entry-level adjuster positions dropped 50% YoY. Glassdoor noted that for its broader AI Report, confidence hit a record 10-year low in July, and a large percentage came from the insurance sector. From July 2025 to July 2026, employee confidence in insurance dropped 7 percentage points, noted authors Chris Martin, senior economist with Glassdoors Economic Research team, and Indeed Hiring Lab economist Feliz Aidala. The extremely negative sentiment toward AI is driven by fears of AI-based job replacement, the push to use AI tools, and AI degrading work or product quality. From late 2023 to early 2024, overall insurance industry employee confidence dropped significantly (in line with a broader decline in employee confidence) but rebounded until May of 2026. With the industry’s confidence at an all-time low, claims adjusters were found to be the most critical of AI (98%) in Glassdoor reviews. This is telling, since the industry’s confidence had been tracking higher than other industries historically. Postings for claims adjusters are down 55% from their post-pandemic peak, the report showed, compared to a 36% decline in the broader labor market. The study found that: • Claim adjusters represented 18% of jobs lost but comprised only 2% of the industry. • Insurance carriers shed nearly 75,000 jobs YoY. • Demand for inexperienced workers has collapsed, with entry-level adjuster job postings down 50% since 2025, data showed. • Inexperienced claims adjusters often follow specific formulas that can be outsourced to agentic AI, the report authors noted. • Senior-level job postings remain about 80% above 2017 levels. • Overall, Glassdoor reported that AI sentiment across all jobs/industries was 53% negative. The authors indicate that while there could be other factors at play, insurance industry employees are putting the blame squarely on AI. Now is the time to think about how insurance agency jobs will retain that human-in-the-loop oversight. Thank you to this issue's sponsor, Agents Alliance Services. 6 | INSURANCE JOURNAL | SEPTEMBER 21, 2026

Chairman of the Board Mark Wells | mwells@wellsmedia.com Chief Executive Officer Joshua Carlson | jcarlson@insurancejournal.com

Andrea Wells V.P. of Content

Chief Financial Officer Terry Freeburg | tfreeburg@wellsmedia.com Circulation Manager Elizabeth Duffy | eduffy@wellsmedia.com Staff Accountant Sarah Kersbergen | skersbergen@wellsmedia.com

EDITORIAL

V.P. of Content Andrea Wells | awells@insurancejournal.com Executive Editor Emeritus Andrew Simpson | asimpson@wellsmedia.com National Editor Chad Hemenway | chemenway@insurancejournal.com Southeast Editor William Rabb | wrabb@insurancejournal.com South Central Editor/Midwest Editor Ezra Amacher | eamacher@insurancejournal.com West Editor Don Jergler | djergler@insurancejournal.com International Editor L.S. Howard | lhoward@insurancejournal.com Assistant Editors Jahna Jacobson | jjacobson@insurancejournal.com Kimberly Tallon | ktallon@carriermanagement.com Columnists & Contributors Contributors: Michael Coffey, Jerry Theodorou Columnists: Kristen Nevins, 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

SUBSCRIPTIONS:

Call (800) 897-9965

or visit ijmag.com/subscribe Insurance Journal, The National Property/Casualty Magazine (ISSN: 00204714) is published 18 times annually by Wells Media Group, Inc., 3570 Camino del Rio North, Suite 100, San Diego, CA 92108-1747. Periodicals Postage Paid at San Diego, CA and at additional mailing offices. SUBSCRIPTION RATES: $17.95 per copy, $27.95 per special issue copy, $195 per year in the U.S., $295 per year all other countries. DISCLAIMER: While the information in this publication is derived from sources believed reliable and is subject to reasonable care in preparation and editing, it is not intended to be legal, accounting, tax, technical or other professional advice. Readers are advised to consult competent professionals for application to their particular situation. Copyright 2026 Wells Media Group, Inc. All Rights Reserved. Content may not be photocopied, reproduced or redistributed without written permission. Insurance Journal is a publication of Wells Media Group, Inc. POSTMASTER: Send change of address form to Insurance Journal, Circulation Dept, PO Box 708, Northbrook, IL 60065-9967 ARTICLE REPRINTS: Contact (800) 897-9965 x125 or visit insurancejournal.com/reprints

OUR JOURNEY CONTINUES WITH FRESH WIND IN OUR SAILS.

Rated A+ by AM Best, FSC XV As a proud member of the Odyssey Group family, our new visual identity now reflects our shared foundation. While our logo has evolved, our disciplined underwriting, long-term relationships and financial strength remain the same. Discover what we can do for you at HudsonInsGroup.com.

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News & Markets GEICO Avoids Class Action Over Totaled Vehicle Payouts in New Jersey By Andrew G. Simpson

federal judge has declined to approve a class action lawsuit accusing GEICO of underpaying losses for totaled vehicles in New Jersey. The court declined to approve the class action after concluding that individual issues outweighed the commonality of the proposed class. The purported class action sought to challenge GEICO’s use of a factor, also used by other insurers, that adjusts the actual cash value (ACV) of a vehicle to account for the condition of the vehicle based on factors such as options and mileage, or as otherwise explained “to bring the ACV from retail to private party condition.” Jessica Dinicola-Ortiz alleged GEICO contracted to pay her and class members the actual cash value for their totaled cars, but GEICO’s condition adjustment unlawfully changed that value. She alleged that GEICO underpaid her, and she further maintained that GEICO similarly illegally adjusted the values for potentially tens of thousands of other New Jersey claimants. The GEICO policy defined ACV as “the replacement cost of the auto or property less depreciation or betterment.” GEICO determines a vehicle’s ACV using a report from CCC Intelligent Solutions that calculates a vehicle’s ACV based on the computed values of purportedly comparable vehicles recently sold or listed for sale within the insured’s geographic area. CCC starts with the average retail price of vehicles of the same make, model, and year as the insured vehicle. CCC then makes “adjustments” to that base value that may be upward or downward based on factors such as options, mileage, and others. That adjustment was the focus of the underlying claim in the class action case. Renée Marie Bumb, chief judge in the U.S. District Court for New Jersey, found that Dinicola-Ortiz could proceed with 8 | INSURANCE JOURNAL | SEPTEMBER 21, 2026

her individual claim alleging that GEICO underpaid her but that the class action against the insurer could not be certified. The judge had two recent federal appeals rulings to support her decision to deny certification. Judge Bumb looked to a 2024 Third Circuit Court of Appeals opinion (Lewis v. Gov’t Emps. Ins. Co.) that held only people who received less than their totaled vehicles’ ACV have standing to bring ACV claims. Even if the insurer’s process is flawed, standing demands an actual, not theoretical, injury. “Windfalls are not actionable,” the court noted. The district court judge also referenced a 2025 opinion (Drummond v. Progressive Specialty Ins. Co.) in Pennsylvania in which the Third Circuit held that courts generally may not certify a class challenging whether an insurer paid class members actual cash value for their totaled vehicles. The appeals court found that individualized questions predominate over questions common to the class. Applying Lewis, the judge held that Dinicola-Ortiz plausibly alleged the

$16,572.47 GEICO paid her is less than the ACV of her vehicle and thus her individual claim can proceed. The Drummond court found that courts generally may not certify a class challenging whether an insurer paid class members ACV for their totaled vehicle. To start, the amount an insurer must pay its insured is set by each individual vehicle’s ACV, and then how much an insurer actually paid each insured must be considered. “Because two essential elements of breach of contract—duty and breach—required plaintiff-specific proof, individualized evidence ‘overwhelmed’ class evidence, and the claims were unsuitable for class treatment,” the district court quoted from the Drummond case. Judge Bumb noted that the situation is the same in the Dinicola-Ortiz matter. That is, every proposed class member would have to furnish individual evidence of their vehicle’s ACV and that GEICO paid them less than that amount. “Those individualized assessments eliminate any efficiency gained through a class action,” she concluded. INSURANCEJOURNAL.COM

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Education & Resources

Figures

2,000

The number of complaints about insurance filed with the Oregon Division of Financial Regulation in the first half of 2026. Insurance continued to be the biggest generator of complaints. Credit unions (120 complaints) and mortgage servicers (87) were other areas regulated by the division that were high on the list. Consumer finance (40), banking (25), and securities (47) were other big industries on the list.

$150,000 The amount Apple Inc. has agreed to pay to settle a religious discrimination lawsuit filed on behalf of an Apple store employee who was denied a work accommodation so he could honor the Jewish Sabbath. The company will also update its religious observance policy. According to the lawsuit filed by the Equal Employment Opportunity Commission, Apple rejected the employee’s request because it conflicted with a new store scheduling policy regarding weekend work.

440,000 The number of Floridians who dropped their Affordable Care Act plans this year — more than any other state, according to reports from The Associated Press. Florida has a large population of gig workers, entrepreneurs, and small business owners who rely heavily on the federal health insurance marketplace.

10 | INSURANCE JOURNAL | SEPTEMBER 21, 2026

$117.5

million

The amount approved by a federal judge in a data breach settlement against Comcast Cable Communications. The agreement represents one of the largest data breach settlement amounts and, with 31.7 million potential members, one of the largest classes in a data breach case. Comcast customers complained about a data breach that occurred between October 16 and 19, 2023. Comcast did not notify affected customers until December 18, 2023 — roughly two months later.

$2.5 million The previously planned acquisition price Verisk has been ordered to pay for roofing software maker AccuLynk. A Delaware judge has ordered data analytics firm Verisk to try to complete the planned acquisition, with the order coming more than seven months after Verisk said it pulled the plug on the deal. The deal is subject to FTC approval. INSURANCEJOURNAL.COM

Declarations

E-bike Regulation

“As these high-powered devices become faster and more common on our streets and sidewalks, the stakes are simply too high to leave them unregulated and outpacing public safety.”

— Illinois Secretary of State Alexi Giannoulias, discussing Illinois Senate Bill 3484, which draws a distinction between bicycles, lower-speed e-bikes, and higherpowered e-bikes. The Illinois law prohibits e-bikes and micromobility devices such as e-scooters, electric skateboards, and electric unicycles from operating on sidewalks, and prohibits them from operating over 28 mph on roads, bike lanes, and bike paths.

Florida Saves Billions

“Homeowners insurance litigation has plummeted; the Florida insurance marketplace has stabilized as reforms intended; Florida consumers have benefited in the form of lower rates (or rates rising much more slowly than before); they are also benefiting from higher policyholder dividends. Both are functions of declining costs promised by reforms.”

— A new actuarial report from the American Property Casualty Insurance Association that found, overall, Florida policyholders paid almost $3 billion less in premiums in 2025 than the year before. Average homeowner insurance rates in Florida did not decline in 2025, but they increased by less than 1%.

INSURANCEJOURNAL.COM

State Farm Rolls the Dice

“Every gambler occasionally loses. Before he rolls the dice, he knows that he might come up ‘snake eyes.’ Some gamblers, such as the removing defendant in this case, are better at assessing risk than others. A defendant’s risk assessment must be intelligent as well as honest. There is no place for playing a hunch or for simply betting on which judge the case will be assigned to.”

— U.S. District Judge Emily C. Marks denying State Farm’s bid to remove a case brought by 53 homeowners out of Houston County Circuit Court and into her federal court. However, she decided against ordering State Farm to pay the homeowners’ attorneys’ fees.

Fire Recovery Funding

“We need to be willing to look at creative solutions to a problem that conventional approaches aren’t solving. Even though it represents just 1% of the structures lost, it could offer a return for some families that cannot rebuild on their own. These lots may otherwise remain vacant for years.”

— Traci Park, the city council member for the Palisades who sponsored motions to approve a move by nonprofit Uplifters Foundation to build new $3 million houses in the disaster area by issuing as much as $250 million in municipal bonds through the California Public Finance Authority. The bond deal requires no financial commitment from the city or other taxpayer-backed agencies.

Fees Funding Flock

“That kind of capability directly disrupts the operational advantage these transnational criminal organizations rely on, and it strengthens our ability to protect both Texas communities and the broader region.”

— Miguel Rodriguez, chair of Texas’s Motor Vehicle Crime Prevention Authority and Laredo police chief, defending the state’s Flock camera policies. In 2023, the Texas Legislature passed a law raising Texas auto insurance costs by $1 to combat catalytic converter theft. The Motor Vehicle Crime Prevention Authority has turned the $1 fee hike into at least 3,200 Flock cameras.

Climate Repair Overreach

“New York’s law would have expropriated $75 billion from energy companies around the world during an energy emergency and in direct defiance of American foreign policy and federal law.”

— Adam Gustafson, a principal deputy assistant attorney general after New York’s attempt to make fossil fuel-producing industries pay into a $75 billion fund to repair the damage wrought by climate change was struck down by a federal judge. The judge said the law reaches beyond a state’s responsibility and into an area of federal interest. The law had required companies responsible for greenhouse gas emissions to collectively pay $3 billion a year over 25 years into a fund for infrastructure projects. SEPTEMBER 21, 2026 | INSURANCE JOURNAL | 11

Growing Stronger Together Matt Ward, Managing Partner and Executive Vice President at Ironpeak, reflects on the past year and how Ironpeak’s passion for partnership helps Member Agencies build for long-term success.

It’s been about a year since the transition to Ironpeak. How would you describe 2025? 2025 was a milestone year for Ironpeak and a strong validation of our direction following the rebrand. We surpassed $4 billion in premium, generated more than $780 million in new business and added 337 new Member Agencies to the network. Just as important, we continued a long-term trend that really defines us — we achieved our 22nd consecutive year of contingency revenue growth, with each year improving on the last going back to 2004. That level of consistency and performance is rare in this business and speaks to the strength of our Members, our partnerships and execution.

What do those results say about the Ironpeak model today? They reinforce that our model performs in all market conditions. The scale we’ve built with over 3,200+ Member Agencies nationwide, combined with disciplined growth and strong carrier alignment, continues to deliver meaningful results for both our Members and carrier partners. What stands out is that these aren’t one-time gains. They reflect sustained momentum across premium growth, new business production and membership expansion over 49 years.

What types of growth trends are you seeing across the Ironpeak network? We continue to build momentum in 2026, even as the market softens. We’re seeing strong organic growth across the network, supported by solid retention and new business growth in personal lines, small commercial, middle market and construction. Our 55+ field team understands each of our Member’s unique goals and helps them build their business exactly how they want it. We are growing membership in the face of ongoing industry consolidation and M&A. That’s a key diﬀerentiator. Our membership retention is 97%, and we continue to expand the network with high-quality agencies in every state.

2025 Proven Successes $4+ billion In Force Premium $780+ million New Business Premium 3,200+ Member Agencies 97% Member Retention

What are Ironpeak’s priorities going forward? Our focus is straightforward: sustain organic growth, deepen carrier partnerships and continue expanding the network with the right agencies. We’ve proven the model has worked for nearly 50 years. As we look ahead, it’s about building on that foundation and continuing to deliver consistent, measurable results for our Members and carrier partners year after year.

Beyond growth metrics, how does Ironpeak help Member Agencies grow stronger while preserving their independence? That’s the core of our value proposition. We help agencies become stronger businesses without asking them to give up what makes them successful in the first place — their brand, their relationships and their independence. Our role is to provide access to benefits of scale, carrier relationships, operational support and strategic resources that are difficult to build alone. That allows agencies to compete more eﬀectively, make better long-term decisions and grow on their own terms.

How does that show up in day-to-day support for Member Agencies?

Producer development is a big issue for many agencies. How is Ironpeak helping there? Producer development is one of the most important investments an agency can make, and it’s an area where we’re intentionally leaning in. We support Member Agencies with training, coaching, and structured development programs designed to accelerate production and improve long-term success. This helps agencies build stronger talent pipelines while enabling newer producers to become productive more quickly.

How does Ironpeak financially support agencies that want to invest in new producers? For many agencies, the biggest challenge isn’t recognizing the need — it’s funding the investment early enough to make it count. That’s why we also support producer development through financing solutions that help agencies bring on and develop new producers without putting unnecessary strain on the business. It’s another example of how we help our Members invest beyond today’s production and position their businesses for long-term growth — while preserving their independence.

It shows up in practical ways that drive performance. We work with Members to improve organic growth, expand market access, optimize carrier alignment and develop the producers and leadership talent needed to sustain growth. Importantly, we do this in a way that supports entrepreneurship — not dependence. Our Members remain independent business owners, with more opportunities than they would typically have on their own.

Learn more at Ironpeak.com

News & Markets

Global Insured Catastrophe Losses Expected to Average $171 Billion Annually: Verisk By L.S. Howard

he insurance industry should be prepared to withstand $171 billion in insured catastrophe losses on average in a given year, up $19 billion from a year ago, according to Verisk. In its highest annual estimate reported to date, the data analytics and technology provider said the industry’s loss benchmark increased despite the fact that the U.S. in 2025 had no hurricane landfalls for the first time in a decade. The rise reflects continued growth in property values and insured values worldwide, Verisk added. “A quiet hurricane season can lead markets to respond as if risk has eased: rates soften, insurers keep more risk on their own books, and more capital competes to write new business,” said Rob Newbold, president of Verisk Catastrophe and Risk Solutions, in a state-

ment accompanying the report. “But 2025 reminds us that the underlying risk landscape has changed and years without significant losses from U.S. hurricane activity no longer signal a quieter catastrophe environment.” Verisk explained that a year without a U.S. landfalling hurricane can lull the market toward thinner pricing and looser underwriting terms, “precisely when discipline matters most.” “The $171 billion figure is not determined by the outcome of one hurricane season or one year of catastrophe losses,” according to Dr. Jay Guin, executive vice president and chief research officer of Verisk Catastrophe and Risk Solutions. “It reflects a wide distribution of potential events across perils and regions, using current exposure data and a view of hazard grounded in the near-present climate. That broader perspective helps the industry prepare for loss

14 | INSURANCE JOURNAL | SEPTEMBER 21, 2026

scenarios that historical experience alone may not reveal.”

New Normal for Global Insured Cat Losses

For the sixth straight year, global insured catastrophe losses exceeded $100 billion—a result driven not by severity perils like earthquakes and hurricanes but by record-setting wildfires and significant severe thunderstorm activity, which produced widespread hail, wind, and tornado damage across many communities rather than a single catastrophic event. (Editor’s note: These frequency perils are also known as secondary perils.) “A more dynamic risk environment underscores how catastrophe models help insurers maintain underwriting discipline and make informed pricing, capital allocation, and risk transfer decisions based on the full range of risk, not just the outcome of a single season,” Newbold added. Verisk provided additional

insights to put the benchmark number into context. The United States accounts for the majority of modeled insured catastrophe risk—or 68% ($117 billion) of the $171 billion benchmark. Severe thunderstorm accounts for 40% of modeled insured catastrophe risk—more than any other peril. These so-called severe convective storms (SCS) remain the largest contributor to Verisk’s global insured AAL, ahead of tropical cyclone (at 27%), earthquake (10%), winter storm (9%), flood (7%), and wildfire (6%). Frequency perils, rather than a single hurricane, continued to drive industry losses in 2025. A severe catastrophe year could generate losses nearly three times higher than the global insured AAL. The report examined increasingly severe, but plausible, loss scenarios: At the 100-year return period—commonly used in the industry to describe a scenario with a 1% annual likelihood— modeled aggregate insured losses reach $477 billion. At the 250-year return period, losses reach $606 billion. Verisk explained that its global insured average annual loss (AAL) figure of $171 billion is not a prediction of losses in 2026, or in any other individual year. “Rather, it serves as a benchmark insurers can use to evaluate potential losses across a wide range of events, perils, and regions.” Since Verisk began publishing its benchmark report in 2012, the estimated global insured AAL has nearly tripled, rising from $59 billion to $171 billion, the report said. (The original 2012 figure was expressed in 2012 dollars.) Verisk said the change also INSURANCEJOURNAL.COM

reflects its investment in expanding model coverage to more than 20 additional countries and regions; advances in science, data, and modeling methods; updates to Verisk’s view of risk; and growth in insured exposure.

Other Factors Driving Higher Losses

Catastrophe losses are shaped by more than the number or severity of storms, wildfires, or earthquakes in a given year, Verisk said, pointing

to higher property exposures, rising rebuilding costs, and the fact that more people and property are located in hazard prone areas. Verisk went on to detail the long-term trends that are combining to increase insured catastrophe losses independently of weather patterns. Property exposure in the countries Verisk models has grown roughly 7% annually since 2021, driven by both new construction and rising asset values.

In the United States, residential reconstruction costs have risen about 5% annually since 2021, outpacing consumer inflation and increasing the potential cost of catastrophe losses even when hazard activity remains unchanged. Population growth continues to be concentrated in catastrophe-exposed regions, while development expands in flood plains, wildfire zones, and other high-risk locations. In England, for example, 7.1% of single-family homes

already sit in the 100-year flood plain, and 1-in-9 new homes built between 2022 and 2024 were built in flood-risk areas, which Verisk warned could rise to 1-in-7 new homes by 2050. Verisk said its 2026 Global Modeled Catastrophe Losses Report is produced using the same suite of catastrophe models and software used by Verisk’s insurance and reinsurance clients, covering more than 120 countries and regions.

First-Half US P/C Industry Underwriting Gain Jumps to $31.7B

he U.S. property/casualty insurance industry posted a much higher net underwriting gain of $31.7 billion for the first half of 2026, up from $11.6 billion the prior year. According to a report from data analytics and technology firm Verisk and industry trade association the American Property Casualty Insurance Association (APCIA), net written premium growth for the industry slowed to 2.1%, compared with growth of 5.2% a year ago, showing an overall shift to moderated rate increases. Property insurance softened during H1, but casualty lines such as excess liability, umbrella liability, and commercial auto remained under pressure from increased claim severity, nuclear verdicts, and medical costs, Verisk and APCIA said. Net income after taxes increased 53% to $77.8 billion for the first half of 2026. More gains from investments bolstered profitability, but “catastrophe exposure remains elevated,” the groups warned. “While overall industry INSURANCEJOURNAL.COM

profitability improved in the first half of 2026, largely due to a decline in insured natural-catastrophe losses compared to the first half of 2025 following the Los Angeles wildfires, insurers’ loss experience and profitability varied widely from state to state,” said Robert

Gordon, senior vice president of policy, research, and international at APCIA. “In states that have enacted meaningful legal system abuse reforms, including Florida, Georgia, and Louisiana, many policyholders have begun to experience reductions in auto

and homeowners insurance rates that are expected to provide hundreds of millions of dollars in premium relief,” Gordon added. Policyholders’ surplus increased to $1.30 trillion, compared with $1.13 trillion at midyear 2025.

SEPTEMBER 21, 2026 | INSURANCE JOURNAL | 15

News & Markets Judge Throws Out Bulk of Economic Claims Over Baltimore Bridge Tragedy By Andrew G. Simpson

federal judge has agreed with the owner and manager of the Dali cargo ship responsible for the collapse of Baltimore’s Francis Scott Key Bridge that the bulk of the remaining claims against them for economic damage are invalid. On August 25, U.S. District Senior Judge James K. Bredar dismissed most of the economic damage claims by the city and county of Baltimore and eight consolidated claims by private entities including insurers. Citing a 1927 Supreme Court opinion (Robins Dry Dock & Repair Co. v. Flint), Bredar found that the public and private entities that have sued are precluded from recovering economic losses resulting from physical damage to the Key Bridge because they had no proprietary interest in the bridge or other property. Instead, Dali owner Grace Ocean Private Ltd. and operator Synergy Marine Group can only be held liable for economic losses if there was damage to property owned by the claimant. In keeping with the Robins precedent, the city may pursue its claim related

to alleged damage to the 72-inch water main below the river and the county may proceed to try to prove it has a proprietary interest in damaged waterways and shorelines. Also, four cargo damage claims may proceed. Since most of the original 54 civil claims already have been settled or voluntarily dropped, the ruling actually dismissed a relatively small number of cases. None of the civil settlements contain an admission of wrongdoing by Grace Ocean or Synergy. The Francis Scott Key Bridge collapsed in the early morning hours of March 26, 2024, after being struck by the Dali as the vessel departed the Port of Baltimore. The collapse killed six construction workers, obstructed a major shipping channel, and disrupted commerce and traffic in the region. In addition to dismissing other claims by Baltimore city and county, the ruling throws out unsettled claims for private economic damages by longshoremen, energy, export, manufacturing, construction services, technology, sugar, molasses, and publishing firms along with related insurers including Markel, Liberty Mutual, QBE, AXA XL, Evanston, and Canopius. These parties had been seeking damages for losses due to business interruption, declines in advertisement and directory revenue, increased shipment costs, lost taxes and economic revenue, among other alleged losses. The private entities, except for those pressing the four cargo damage claims, were judged to have no proprietary interest in any damaged property.

Limited Liability

On April 1, 2024, Grace Ocean and Synergy Marine filed a petition to limit their liability for the bridge collapse.

16 | INSURANCE JOURNAL | SEPTEMBER 21, 2026

They invoked the Limitation of Liability Act of 1851 to limit their liability to the value of the ship, about $44 million. Since then, they have settled claims far exceeding that limit. There have been civil settlements with the federal government ($102 million) for cleanup costs and the state of Maryland ($2.5 million) for environmental damage, lost toll revenue, and broader economic disruption. The families of the deceased workers settled for an undisclosed amount for wrongful death. Also, Baltimore Gas and Electric Co. settled claims over infrastructure damage for an undisclosed amount. There have been settlements for reimbursements of workers’ compensation payments made to employees killed and injured in the tragedy. Other settlements have been for cargo losses. Several claims have been dismissed. Soon after the tragedy, ACE American Insurance Co. (part of Chubb), the property insurer for the Francis Scott Key Bridge, settled a major claim with Grace Ocean Private Limited and Synergy Marine Group by paying out its policy limit of $350 million.

Economic Losses

Grace Ocean and Synergy Marine told the court in their June motion to dismiss that since the economic loss claimants did not have an ownership interest in the Key Bridge and have failed to identify a recognizable interest in any other property that sustained physical damage as a result of the casualty, their claims “must all be dismissed as a matter of law.” During the economic loss claims proceedings, the municipalities and private businesses argued in part that any ruling should be delayed until the overall limit of liability had been decided. But the judge said that was not necessary, especially given that so many claims have already been settled including claims for wrongful death, personal injury, and physical damage. INSURANCEJOURNAL.COM

Collapsed Francis Scott Key Bridge in Maryland with Cargo Ship Dali. Photo: NTSB. “The Robins rule is animated by policy concerns over the potential for boundless, indirect damage claims arising from maritime negligence and addresses those concerns by imposing a bar to recover for remote, purely economic harm, not flowing from damage to person or property,” Bredar wrote. “In the final reckoning, the petitioners’ assertion that Robins would be transformative has borne out.” In addition, the city’s claim for damage to the submerged water main and the county’s claim for damage to waterways and shorelines—both of which may proceed—the government entities had also claimed other losses and costs including for replacing the bridge, disruption of city traffic, economic interruption, INSURANCEJOURNAL.COM

increased road repair and maintenance, first responders, public nuisance, lost tax revenue and fees, hazardous materials monitoring and removal, and other effects. Baltimore argued unsuccessfully that it has had a “proprietary interest in the Key Bridge since the Key Bridge’s construction” and that it sought damages for the cost of replacement of the Key Bridge and its approaches. The city has criticized what it maintains is the attempt of the ship owner and operator to “shift the costs” of alleged wrongdoing onto Baltimore residents and taxpayers. In the 1927 case, Robins Dry Dock, a dry-docking company, damaged a propeller on a steamship, rendering the vessel

unusable for two weeks longer than anticipated. The vessel’s time charterer sued the dry dock company to recover its lost profits resulting from the delay while the propeller was repaired. The Supreme Court denied recovery, rejecting the argument that the charterer was a third-party beneficiary of the dry dock contract and rejecting tort liability. The court held that the injury to the propeller did not harm the respondents but only those to whom it belonged. The U.S. Department of Justice (DOJ) has brought criminal charges against Synergy for the tragedy. Synergy has called DOJ’s allegations in the indictment “baseless” and said they have “nothing to do with” the Dali’s collision with the Key Bridge. SEPTEMBER 21, 2026 | INSURANCE JOURNAL | 17

People National

Former AIG CEO and executive chair Peter Zaffino left the board effective September 15 to join Palantir Technologies Inc. as global head of financial services. Zaffino had just transitioned to the Peter Zaffino position of executive chair on June 1. Prior to that, he had been AIG CEO since taking over in March 2021, succeeding Brian Duperreault. Eric Andersen, most recently a member of Aon’s executive committee, became AIG’s CEO on June 1. AIG announced the succession plan in January. Zaffino will assume a role with AIG as senior advisor, the company said. To take his place on the board, John Rice, lead independent director, will serve as chair when Zaffino departs.

Tokio Marine HCC – Cyber & Professional Lines Group

(CPLG), a member of the Tokio Marine HCC group of companies based in Houston, Texas, appointed Brian Alva as senior vice president of underwriting to lead cyber & tech underwriting. Alva joins Brian Alva CPLG from Travelers, where he served as vice president, specialty cyber, following senior leadership roles at Corvus Insurance and NAS Insurance Services.

Marsh appointed Herman Brito as marine, cargo, and

logistics practice leader, U.S. and Canada, Marsh Risk,

effective October 1. Based in New York, Brito will report to Michael Pellegrini, head of specialty, U.S. and Canada, Marsh Risk. Brito succeeds Janice Kowell, who will remain part of the senior executive team. He most recently served as the Canada and U.S. East Zone marine, cargo and logistics practice leader, Marsh Risk.

Howden Re, the global reinsurance, capital markets, and strategic advisory business of Howden, headquartered in Stamford, Connecticut, appointed Jay Sogliuzzo as managing director, head of North America marine, energy, and terror specialty treaty. Sogliuzzo joins Howden Re with 14 years of underwriting experience, most recently at Gen Re, where he worked across facultative and treaty reinsurance within the marine and energy market.

East

Ames & Gough, headquartered in Washington, D.C., appointed Tracy Benson, Christine Gibboni, and Baynard Stanchina as assistant vice presidents in the firm’s Washington, D.C. office. All three executives specialize in serving Ames & Gough’s design firm clients. Benson, a senior account manager, joined Ames & Gough in 2014 after a decade with USI. Gibboni, a senior account manager, joined Ames & Gough in 2015 and has 16 years of experience in the insurance Christine Gibboni industry. She works with design firm clients in the U.S. Midwest.

18 | INSURANCE JOURNAL | SEPTEMBER 21, 2026

Stanchina, an account executive, joined Ames & Gough in 2024 and has more than a dozen years of insurance industry experience. He focuses on all aspects Baynard Stanchina of risk management and insurance for design firm clients throughout the mid-Atlantic region.

Ames & Gough appointed Keith Pryde and Tina Walunas as assistant vice presidents in the firm’s Washington, D.C. office. Pryde, an account executive in the law firm practice Keith Pryde focusing on clients in New York City and the U.S. Northeast, joined Ames & Gough in Tina Walunas 2023. With over 20 years of insurance industry experience, he works to place insurance programs for small and mid-size law firms. Walunas joined Ames & Gough in 2022 and is an account executive in the association/nonprofit practice. Along with direct account management responsibilities for several of the practice’s larger clients throughout the Mid-Atlantic region, she supports other client team members across the country.

Vantage Group Holdings Ltd., headquartered in

Hamilton, Bermuda, hired

Tim Nunziata as head of cyber

insurance and global product leader. Nunziata joins Vantage from Nationwide, where he spent over 15 years, most recently as vice president, head of cyber risk and commercial E&O.

Amica Mutual Insurance Company, headquartered

in Lincoln, Rhode Island, announced that Sean Welch, senior vice president and chief claims officer, will retire at the end of the year following a 41-year career with the company. Effective December 1, Acel Silva will succeed Welch in the role. Silva has over 20 years of leadership experience in the property and casualty insurance industry. He joined Amica in 2003 as an associate claims adjuster and held increasingly broad leadership roles.

South Central

The Texas Department of Insurance named Michelle Kranes as deputy

commissioner of the strategy and performance division. Kranes started her state career at the Texas Sunset Advisory Commission. She most recently worked at the Texas Workforce Commission leading efforts to improve operations, including the modernization of the State of Texas employment application.

Alliant Insurance Services

hired Rick George as first vice president within its employee benefits group. Based in Fayetteville, Arkansas, George works with employers nationwide. George has over 35 years of experience in employee benefits, total rewards, healthcare strategy, and employee well-being. INSURANCEJOURNAL.COM

Southeast

Jackie Obusek, who spent 30 years with the North Carolina Department of Insurance (DOI), including

the last six as chief deputy insurance commissioner, will retire from the DOI October 1. Jackie Obusek She will then become senior managing director of strategy and operations for Examination Resources, an Atlanta-based firm that works with the National Association of Insurance Commissioners on accreditation and consults with state regulator departments on financially troubled insurance companies and receiverships. Chuck Myers was named chief deputy commissioner effective October 1, succeeding Obusek. For the past three years, Myers has been deputy commissioner for the Louisiana Chuck Myers Department of Insurance, over property and casualty insurance. There, he chaired the Louisiana Auto Insurance Plan. Myers also helped restructure the Louisiana Fortified Homes Program and led the Title Insurance Working Group at the National Association of Insurance Commissioners.

Midwest

Doubtless, a global pet insurance and solutions organization based in Chicago, made several senior North America leadership appointments. May Pelz expands her responsibilities as president of Pets Best. Pelz joined Pets INSURANCEJOURNAL.COM

Best in March and led business development, marketing and sales operations. Raj Patel joined Doubtless in May as senior vice president, head of human resources for North America. Steven Gilliam has been appointed general manager of Spot Pet Insurance. He served previously as product and marketing lead since joining Spot in 2021.

Sunstar Insurance Group LLC, headquartered in St. Louis, Missouri, hired Tod Ashby as chief information

officer, where he will lead the company’s technology strategy, enterprise infrastructure and systems modernization. Ashby previously held senior technology roles at AssuredPartners, Prime Risk Partners, HUB International, and Van Gilder Insurance Corporation.

Cincinnati Financial Corporation announced that Marc J. Schambow, chief

claims officer for its property casualty subsidiaries, led by The Cincinnati Insurance Company, will retire in January 2027. Schambow has served as Cincinnati’s top claims officer since 2020. Todd V. McMillan will assume executive responsibility for the headquarters and field claims teams upon Schambow’s retirement. McMillan has nearly 30 years of experience, most recently serving as corporate senior vice president, head of liability claims for Safety National Casualty Corporation. As part of this transition, executive oversight of the company’s claims operations will transition to Thomas C. Hogan, chief legal officer.

Alacrity Solutions Group LLC,

headquartered in Fishers, Lee Boyd Indiana, promoted Lee Boyd to chief operating officer. Boyd joined Alacrity in 2021 and has held the roles of vice president of TPA Operations and, most recently, president of claims operations.

Pharmacists Mutual Insurance Group named Sharon Duez Shaw vice presi-

dent and head of claims. Prior to joining Pharmacists Mutual, Shaw served as chief claims officer for Vela Insurance, a W. R. Berkley company. She previously spent 14 years with AXIS Capital in a series of executive leadership roles, including head of global claims strategy and shared services and head of North American claims. Shaw joined the organization on August 31 as part of a planned leadership transition from Peter Lambert, senior vice president, who will retire effective March 31, 2027.

West

Alliant Insurance Services, headquartered in Irvine, California, added Rebecca Ellis as assistant vice president within its employee benefits group in the Rocky Mountain region. Ellis previously serves as vice president with a global insurance brokerage and consulting firm. Elsje Johnson also joined Alliant as vice president within its employee benefits group. The Idaho-based consultant has over 25 years of experience in the healthcare industry. Johnson most recently served

as a business development executive responsible for large national accounts with Blue Cross of Idaho. Carissa Murray joined Alliant as assistant vice president within its employee benefits group. The San Diego, California-based consultant works with employers across the western region. Prior to joining Alliant, Murray was a senior business consultant with a global HR services company. Alliant promoted Martin Newman to managing director, energy operations, Alliant Property & Casualty. Based in Dallas, Newman specializes in partnering with energy operators and private equity investors to develop risk and insurance solutions. He will maintain his core production responsibilities while working alongside Alliant Energy leadership.

Vivace Insurance Partners,

headquartered in Los Angeles, California, named Cordell Fenig CEO of Vivace Americas. Fenig was promoted to the position after having served as senior underwriter since the company’s Americas launch in March 2024. Fenig will lead Vivace expanding carrier support through Markel, a leading carrier in the London market, and progressing toward Lloyd’s coverholder status.

DUAL North America

appointed Sam Fowler as senior vice president, tax. Fowler has 10 years of experience in U.S. tax matters, spanning both standalone tax exposures and the tax considerations that arise in M&A deals. His arrival is a step in plans to stand up a dedicated tax insurance practice.

SEPTEMBER 21, 2026 | INSURANCE JOURNAL | 19

Business Moves and travel medical insurance businesses that include ISO Student Health Insurance, Envisage Global Insurance, AllClear, InsureandGo, and International Student Insurance.

Midwest

Inszone Insurance Services, Aviza Insurance Agency

National

Aon, USI Insurance

Aon plc confirmed a definitive agreement to buy USI Insurance Services from private equity firm KKR for $17 billion. Aon said the deal bolsters its goal to target the U.S. middle market segment, building upon its 2024 acquisition of NFP for $13 billion. The acquisition gives Aon expanded direct access to the excess & surplus market through MGAs and MGUs with USI’s wholesale capabilities. USI Chairman and CEO Mike Sicard will serve as president of Aon plc and global CEO of middle market once the deal is closed, which is expected to occur during the fourth quarter of 2026. The boards of each company have approved the deal, and the brokers will continue to operate separately until the closing date. Aon will fund the transaction and related transaction expenses with new debt. Aon expects to deliver about $395 million in annual run-rate net adjusted EDITDA from revenue and cost synergies from the deal. Aon is the third-largest broker in the U.S., behind Marsh and Arthur J. Gallagher, with about $8.15 billion in revenue.

East

Stewart Information Services Corp., Tower Title

Houston-based title insurer and real estate services firm Stewart Information Services Corp. reports it has acquired East Providence, Rhode Island-based Tower Title, a national specialist in title services 20 | INSURANCE JOURNAL | SEPTEMBER 21, 2026

for the telecommunications industry. Terms of the transaction were not disclosed. Founded in 2019, Tower Title serves the telecommunications industry, while also servicing solar farms, wind turbines, data centers, and billboards. Telecommunications firms rely on title insurance to protect the land they lease or purchase for their data centers, cell towers, data centers, fiber optic lines, and rooftop equipment against boundary disputes, ownership claims, or legal defects. The acquisition strengthens and diversifies Stewart’s National Commercial Services (NCS), specifically the company’s Energy & Infrastructure group, by adding a complementary infrastructure business.

Ignyte Insurance, InsureMyTrip

Pennsylvania-based Ignyte Insurance, a specialty insurance platform, has acquired InsureMyTrip, a travel insurance marketplace that helps travelers compare and purchase coverage from insurance providers. Terms of the transaction were not disclosed. Rhode Island-based InsureMyTrip reports it has served more than 6 million travelers. Its marketplace includes insurance for trip cancellation, travel medical, evacuation, cruise, student travel, and annual protection plans. InsureMyTrip will continue operating under its own brand name. Ignyte Insurance is focused on building and scaling specialty insurance brands in unique, niche markets. This acquisition enhances Ignyte’s global portfolio of travel

Inszone Insurance Services acquired Aviza Insurance Agency, expanding Inszone’s footprint in Michigan. Founded in 1966 and operating today as Aviza Insurance Agency, Inc., the agency has served Coldwater, Michigan and the surrounding tri-state area with both personal and commercial coverage.

Freestone Insurance Group, 360 Benefits Freestone Insurance Group, a Shore Capital Partners portfolio company, acquired 360 Benefits, an employee benefits-focused brokerage based in Chicago. 360 serves privately held, middle-market employers across a broad range of industries, delivering high-touch consultative benefits and risk management solutions. The transaction furthers Freestone’s Midwest presence and strengthens its existing employee benefits practice. Bill Pragalz will continue to lead the business as president of 360 Benefits. Backed by Freestone and Shore resources, 360 will deepen core service offerings, invest in technology and talent, and expand access to Freestone’s broader risk management capabilities.

West

Crest Insurance Group, Tegeler & Associates

Crest Insurance Group is acquiring Tegeler & Associates in Pinedale, Wyoming. Tegeler & Associates was founded in 1943 and acquired by the Tegeler family in the 1970s. The agency has 14 locations throughout Wyoming and provides insurance services for individuals, families, and businesses. Crest provides property/casualty, life, health, and employee benefits services throughout the West. INSURANCEJOURNAL.COM

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Special Report: Agency Partnerships

By Andrea Wells

he race to provide more sophisticated intelligence to both agency members and carrier partners is hotter than ever among the nation’s top agency partnerships. Many partnerships are delivering better options including a path for agency members to sell their own agencies to other network members or to the network organization directly with the help of private equity investments. Nearly all are

22 | INSURANCE JOURNAL | SEPTEMBER 21, 2026

developing technology platforms that will make the agency-network-carrier relations more effective in the future. Some are even eyeing the managing general agency (MGA) space for expansion. Insurance Journal spoke to a few agency network leaders for this special report, which also includes Insurance Journal’s Top 20 Agency Partnerships list.

Expansion

For SIAA, the future looks like an insurance ecosystem that builds distri-

bution opportunities. This could include traditional agency network distribution, wholesale distribution, retail agency distribution through its Sequel Insurance Agencies, as well as business intelligence and AI technology services for its entire distribution network. “What we’re trying to do is take the business and really develop distribution, network, retail, wholesale, product, business intelligence, and AI and wrap it all together in this one singular platform,” said Matt Masiello, CEO of SIAA. It’s the INSURANCEJOURNAL.COM

Special Report: Agency Partnerships “mad scientist vision” for the future of the “SIAA Intelligent Distribution Platform,” he said. Sequel Insurance Agencies, part of the SIAA Intelligent Distribution Platform, serves as the perpetuation partner to members of SIAA – The Agent Alliance. Sequel Insurance launched nearly two years ago, but this year the group began actively acquiring. “We came out of the gate and bought five agencies in June. We owned two (agencies initially), and then we bought five more,” Masiello said. Then in July, Sequel announced the acquisition of Watkins Insurance Group in Austin, Texas, and at the same time SIAA completed its acquisition of Insurance Agents Alliance of Texas (IAAT), a smaller regional network. SIAA’s private equity partner since 2021, Odyssey Investment Partners, laid the groundwork for developing the retail agency channel as well as its investments in tech-enabled business intelligence through the acquisition of DONNA.ai last year.

‘We’ve touted ourselves as being able to help independent agencies through all the stages of their life cycle, but we’ve never really done a great job on succession.’ The idea of a retail “roll-up strategy” isn’t new. Private equity backed acquirers have been leading the agency M&A world for years. The difference for agency network acquirers backed by PE investment is that the acquisitions often come from inside the network, and that’s a benefit to the network and its members, Masiello said. “We’ve touted ourselves as being able to help independent agencies through all the stages of their life cycle, but we’ve never really done a great job on succession,” Masiello frankly added. “We have a lot of members that sell to other (SIAA) members, and we’ll continue to see that, but for bigger agencies where we were competing with the other private equity-backed INSURANCEJOURNAL.COM

Other Opportunities for Networks?

hat’s next for the evolving landscape of agency networks? Could there be opportunities to expand into the world of underwriting given the vast amount of data networks analyze for their agency members and carrier partners? SIAA’s CEO Matt Masiello sees potential. “The growing MGA space is definitely interesting to think about,” he said. “We always viewed it as market access to E&S product and specialty capabilities for our member agencies…and we still look at it through that lens.” However, given the diverse array of services that agency networks now provide to agencies, carriers, and wholesalers partners, adding MGA capabilities to distribute product and build premiums for risk-bearing entities could enable networks like SIAA to become full-service distribution platforms, Masiello said. “It is good for our carrier and wholesale partners—and good for our member agencies to gain broad access to additional markets,” he said.

acquirers, we just didn’t really have a dog in the fight.” Having the capability to acquire larger firms keeps the business not only within the SIAA platform but also with its carrier partners, he said. So far, Sequel Insurance has only acquired current SIAA member agencies, but Masiello said the door is open to other acquisitions in the future if they make sense. For Greensboro, North Carolina-based Smart Choice, private equity investment has also helped the network build up a retail arm for the benefit of agency members. “It’s the reason we brought in private equity, to acquire agencies so they remain independent,” according to Andrew Caldwell, CEO of Smart Choice. Caldwell said it’s not uncommon for member agencies looking to retire to sell to other large private equity-backed acquirers. “So, we wanted to create a situation where those agencies could remain in the network, where we would retain the employees and continue to help grow the agencies,” he said. Smart Choice began acquiring member agencies in 2019 but ramped up its acquisition efforts since adding minority-interest PE funding during the middle of 2023. “That investment totally changed our business,” Caldwell said. “From a pure EBITDA standpoint, middle of 2023, we were a $10 million EBITDA company. We will finish the year at $60 million in EBITDA,” he added. In early September, Smart Choice announced that agency

membership peaked at 12,000 in 2026, up from 10,000 in late 2023.

The Right Fit

Not everyone is in favor of the private equity funding wave in the agency network world. “For some, these transactions are horrendous for the agent,” said Eric Robertson, CEO of Agents Alliance Services. “I’ve heard a lot of horror stories as it pertains to PE and even some networks buying because then they come in and they’re focused more on the bottom line, not on the agent,” he said. “Our approach is different,” he added. “We’ve brought on several really great brokers in the last year, and they’re thriving.” For some agency owners, autonomy and independence matter, he said. “They love having their own business,” he said. That’s something large organizations do not offer, he said. “There’s a control aspect in bigger organizations, and that can create a lot of shakeup, resentment, and even poor work culture.” Overall, insurance agency mergers and acquisitions in the first six months of 2026 slowed down by 15% compared with the same period last year, according to OPTIS Partners. “Several of the big, most active buyers over the past several years have significantly cut back activity,” said Steve Germundson, a partner at OPTIS, in July when releasing their most recent analysis. He noted, however, that the buying pace

continued on page 24

SEPTEMBER 21, 2026 | INSURANCE JOURNAL | 23

Special Report: Agency Partnerships continued from page 23

Insurance Journal's Top 20 Agency Partnerships (Ranked by 2025 Total P/C Revenue)

This list includes agency partnerships such as networks, aggregators, clusters, and franchise organizations, all of which play an important role in the independent agency system today.

2025 Total P/C Revenue

2025 Total Other than P/C Revenue

$3,032,182,948

$325,230,692

Agency Name

FirstChoice, a MarshBerry Company

2 SIAA - The Agent Alliance

2025 Total P/C 2025 Other than Premiums Written P/C Premium

Main Office

$22,779,925,155

Richmond, Virginia

$5,653,141,575

$2,431,273,119 $18,100,000,000

3 ISU Steadfast Insurance Agency Network $1,103,711,521

Hampton, New Hampshire

$97,039,740

$7,855,598,012

$1,386,282,002

Pleasanton, California

$7,541,869,000

$1,340,864,000

Harrisburg, Pennsylvania

4 Keystone Insurers Group LLC

$1,039,341,000

$102,089,000

5 Renaissance

$968,578,003

$1,500,816

$7,062,260,966

Chicago, Illinois

6 The Agency Collective LLC

$687,421,853

$309,000

$4,765,973,181

$290,000

Concord, Ohio

7 SecureRisk LLC

$603,708,000

$85,000,000

$4,639,821,000

$805,744,000

Tucker, Georgia

8 Ironpeak

$563,645,023

$22,500

9 Fortified

$483,750,000

$5,437,500

10 Combined Agents of America LLC

$411,595,059

$133,441,600

11 Smart Choice Agents

$302,847,000

$3,861,000

12 Pacific Interstate Insurance Brokers

$217,851,506

$1,351,805,949

El Dorado Hills, California

13 GreatFlorida Insurance Holding Corp

$112,528,410

$260,000

$762,585,200

$275,000

Palm City, Florida

14 Insurors Group LLC

$96,000,000

$10,560,000

$712,000,000

$71,000,000

College Station, Texas

15 Panorama Insurance Associates Inc.

$55,203,309

$926,389

$450,660,846

$11,579,858

Roseville, California

16 Agents Alliance Services LLC

$51,901,633

$24,000,000

$475,863,425

Denton, Texas

17 United Agencies

$50,153,134

$3,500,000

$278,628,523

Burbank, California

18 We Insure LLC

$47,196,071

$444,020,739

Austin, Texas

19 SBMP Insurance Group

$44,027,436

$1,258,272

$277,049,128

$19,014,707

Stephenville, Texas

20 PacWest Alliance Insurance Services Inc.

$39,426,615

$6,686,385

$336,275,165

$56,892,346

Fresno, California

$4,506,339,170

Allegany, New York

$3,873,000,000

Knoxville, Tennessee

$42,645,000

$3,200,000,000 $2,173,597,000

$91,977,000

$78,750,000

Austin, Texas Greensboro, North Carolina

continued on page 26 24 | INSURANCE JOURNAL | SEPTEMBER 21, 2026

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Special Report: Agency Partnerships continued from page 24

picked up for emerging private equity firms and those anticipating a recapitalization or a sale soon. A few large deals could open the door to opportunities for startup agencies that could benefit from those in the agency network world. These include Aon’s acquisition of USI Insurance from KKR for $17 billion, and the purchase of Australia’s Steadfast (also the owner of ISU Network) for $5.3 billion by a U.S. consortium, consisting of KKR, The Amwins Group, and Dragoneer Investment. Robertson said there are opportunities right now for agency networks to help unhappy brokers in these post-acquisition times, and he predicts more shakeup to come because of some larger M&As. That is spurring new agency startups that agency networks are well suited to help. “There’s not a lot of motivation from a larger corporate perspective to really pay attention to the things that they need to pay attention to,” Robertson noted. “You just become a number. You’re one of a thousand,” he said. Some agents come to resent the situation. “These guys are out there beating the pavement, drumming up business. So, why are those large firms getting 60% of the commission and the broker’s only

26 | INSURANCE JOURNAL | SEPTEMBER 21, 2026

getting 40%, and in some cases 30%. Is service work worth 60%? Absolutely not.” Keith Captain, president of MarshBerry Networks, which includes the FirstChoice agency network, said not every network or agency is the right fit. “Networks come in all shapes and sizes. Some are very small and offer very little services other than aggregation of premium for revenue,” Captain said. “Others are very large and have moved to buying agencies in an ‘owned’ agency model. Some agents will love that model because they know they have a place to sell. Other agents will absolutely hate that model because they either a) want to maintain their independence, or b) don’t think their network is the right buyer.” Captain says FirstChoice is not looking to become a buyer. “We strongly believe in helping our members make the right decision based on their needs and desires for whatever that might be—perpetuation, ESOP, agency sale, equity partner, etc.,” he said. “We think agents that join a network to sell to them are being a little short-sighted on the possibilities of one of the biggest assets they will ever own.” There are plenty of choices for agency owners to find the best fit for their needs in the network world. “I think an independent agent needs some sort of network affiliation or relationship at this point,” Smart Choice’s Caldwell said. “It’s almost table stakes.” Whatever the choice, professionally run agency networks will continue to provide services and support that help

independent agents grow their business, MarshBerry’s Captain told Insurance Journal. “We (and others) are investing in tools and resources that will allow them to have access to compete against the much larger agencies in the market,” he said. “We want them to have the ability to compete at all levels, so that means helping them with producer training, education, technology consultations, new technology for quoting, AI work, market access, increased revenue, etc., etc.” Whatever agency owners want from a network is a personal choice, network leaders say. But most importantly, Agents Alliance Services’ Robertson advises agency owners to pay close attention to the details of the network contract. “Hands down, the most important elements of your contract are the buyout provision and the non-competes,” Robertson said. “That is overlooked in so many cases. I can’t tell you how many conversations we’ve had with agents that are unhappy that they essentially have to buy their agency back to roll it out or buy 30% of it back to roll it out, and then are hit with these non-competes,” he said. Renaissance Alliance CEO Bob Bondi said networks have become a critical component in the entire insurance ecosystem. “Networks represent an opportunity for the independent agent to do what they do best, which is stay independent, by helping agencies scale their business a little bit better,” he said. Carriers also rely on networks to help bring in more premium dollars, he added. “Carriers are working more closely than ever with networks to help drive the premium in a way that promotes growth,” Bondi said. “Networks can be very helpful with that because that’s what we do all day long. We promote growth not by getting more members but by helping our existing members with true organic growth.” And the competitive spirit among the network space is a good thing, he added. “I can never see a downside to competition,” he said. Competition really helps make the entire system better. “Network competition is making everybody better, and that’s good,” he said. INSURANCEJOURNAL.COM

News & Markets Insurance Again Dominates Number of Complaints to Oregon Consumer Advocates

nsurance continued to be the biggest generator of complaints to the Oregon Division of Financial Regulation, according to the division, which reported it recovered $3.88 million through the first six months of 2026. Insurance produced the majority of complaints filed with more than 1,000 complaints in each of the first two quarters. Credit unions (120 complaints) and mortgage servicers (87) were other areas regulated by the division high on the list. Consumer finance (40), banking (25) and securities (47) were other big industries on the list. A few examples of cases in which DFR advocates worked on so far this year include: • A consumer bought commercial truck policy in 2024, which included errors made when the policy was taken out resulting in the correct truck not being listed correctly on the policy. The truck was totaled, and the resulting claim was denied because the vehicle was not properly listed on the policy. When

the error was determined, a consumer advocate pressed the managing general agent and the insurance agent to file claims with their errors and omissions insurance policies. The E&O insurers for the agent and the MGA agreed to a 50/50 split of damages and paid out $52,952 in damages. • When a consumer suffered hail damage to their roof, the insurer denied there

was damage and closed the claim without payment. A consumer advocate later convinced the company to have an engineer inspect the roof, resulting in the deamination there was one slope of the roof with hail damage, and areas were noted as deteriorated due to wear and tear. The insurer issued payment of $15,306.21 for the replacement of one slope of the roof.

Report: Medical Service Costs in California Comp Rising With Payments, Utilization

edical service costs in California workers’ compensation rose 5% last year on the back of growth in both average payments and utilization, a new report shows. The Workers’ Compensation Insurance Rating Bureau of California released its Medical Service Cost Trends report, which looks at factors shaping medical

INSURANCEJOURNAL.COM

cost growth in the state’s workers’ comp system. Medical costs accounted for 52% of the total loss payments in the workers’ comp system. Medical service costs rose moderately in 2025, and the WCIRB report shows emerging trends influenced costs across the system including: accelerating growth in certain services not subject to fee schedule reimbursement limits and increasing costs associated with cumulative trauma claims. The report shows that the categories of MedicalLegal services and Medical Equipment and Other Services were the largest

contributors to medical cost growth, with CT claims contributing to both categories. Southern California continued to drive statewide medical cost trends, with medical costs per claim increasing faster than in Northern California, the report shows. It breaks down the share of medical payments by service type. Physician Services leads with the greatest share at 48%, followed by Medical-Legal (17%) and Medical Equipment and Other Services (13%). Medical paid per claim has increased since 2020. The rise was initially due to the pandemic, which was followed by fee schedule updates, more recently increased service utilization. In 2025, the 5% paid per claim increase was driven by a 4% increase in paid per transaction and a 1% increase in transactions per claim, the report shows. SEPTEMBER 21, 2026 | INSURANCE JOURNAL | W1

Expect More from Your Agency Network More than dashboards. A unified platform that turns data into action with embedded services and intelligent tools.

Learn more at renaissanceins.com/more

Idea Exchange: Ask the Insurance Recruiter Is Your Hiring Process a Dream or a Nightmare for Job Seekers?

emember when “candidate experience” was all the rage? It was about making applicants feel valued during the hiring journey. Unfortunately, I see most companies have shifted away from offering a personalized experience to a focus on numbers, prioritizing more resumes and applications over meaningful connections. Imagine if your recruiting process was shaped by candidate input. How different would interviews be? This guide encourages you to make small adjustments, not overhaul everything, by considering the candidates’ viewpoint.

Reimagine Interview Questions

Say goodbye to tricky “gotcha” questions. Instead, focus on inquiries that allow candidates to showcase their problem-solving abilities. Many feel blindsided by overly specific questions too early in the process, not to mention a string of profile assessments that can sometimes take hours. Initially, tailor your questions to topics that draw out their intangible qualities, determining first if they are a culture fit before getting into the technical minutia.

Re-evaluate Job Hopping

Job hopping often has a negative perception, but similar resumes can tell different stories. Market disruptions, cutbacks, and policy changes around remote work force

insurance professionals to look for new jobs. If you have hard and fast rules about job changes to screen applicants, I can appreciate the structure even if I might still argue it eliminates good people. If your review is case-by-case and based on feelings, then you’re better off having a conversation with some skepticism going in than not speaking with the person at all. In most cases, I find concern about job changes goes away with an impressive first interview.

‘Job hopping often has a negative perception, but similar resumes can tell different stories.’ Trim Down Job Ads

Keep job ads concise. Most insurance professionals ultimately make a lateral move in terms of overall job responsibilities, which means a lengthy job ad is unnecessary and often goes unread. Candidates want the essentials: pay, location, and firm experience requirements. Use bullet points to highlight your must-haves and eliminate clutter. This way, you’ll attract top candidates without shifting through noise.

Spell Out the Interview Process

When you meet a candidate, this should be your first step after, “Hello, my name

is X.” Job seekers are incredibly busy, much like you are. They are interviewing other places. They have busy home lives. They work a full-time job. By Mary Newgard When you outline up front what every step will be, they become more bought in and engaged in your process. Failing to outline the process can be interpreted by candidates in two ways. One, you don’t appreciate the commitment required by them. If they start to feel this way, every request you make of them for references, applications, profile assessments, etc., will feel like a burden. Two, you don’t really know what the process will be because everything is different based on the team, hiring manager, position, etc., which is equally as problematic if they are looking for an agency they perceive to be efficient and organized.

Spin a Unique Tale

I could also call this section “The Hook.” It’s most evident when I work with agencies on producer recruiting because what sells to sales candidates isn’t the same Elevator Speech agency leaders are accustomed to using with other recruits. Why should a successful producer work for you and not your competitor? Please don’t say markets or client service because in 20 years of insurance recruiting, I’ve never had an agency tell me their market access and service staff stinks. Your value proposition must be less about what you offer and more about what you can do to solve the producer’s problems, which most commonly are earning potential, lack of growth, or lack of control.

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

SEPTEMBER 21, 2026 | INSURANCE JOURNAL | 27

elcome to Insurance Journal’s 2026 Professional Liability Directory. We’ve compiled this directory of professional liability providers to assist independent agents and brokers in their search for markets. In today’s highly litigious world, professional liability coverages have become critical insurance for many businesses. This directory has been designed to serve as a quick reference guide that allows users to locate carriers, wholesale brokers and managing general agencies offering professional liability coverage. The information published in this directory was submitted directly by the providers and includes their contact information, Website and states where coverage is available. For a complete listing of markets offered by providers named in this directory, visit: www.insurancejournal. com/directories and type in “professional liability” under the Excess & Surplus, “find a market” option. To submit a listing for future directories, e-mail Kristine Honey at: khoney@insurancejournal.com. We hope you find IJ’s Professional Liability Directory to be a useful tool. To comment on this directory, or any other IJ resource, please e-mail: editorial@insurancejournal.com.

Accountants Liability (continued)

Accountants Liability States

Company

States

360 Coverage Pros Allsouth Professional Liability AMIS/Alliance Marketing & Insurance Services AMS Professional Liability Amwins - 150+ Offices Nationwide Axon Underwriting Services, LLC Berkley Select | a Berkley Company Brooks Insurance Agency Chubb Cooper & McCloskey, Inc. Donald Gaddis Co., Inc. Insurance Svcs Encore Fiduciary ERGO NEXT Insurance James River Insurance Company Jamison Risk Services Johnson & Johnson Kevin Dahlke Insurance Brokerage, Inc. Keystroke Underwriters, a Division of SPG, LLC Kinsale Insurance Company

All States Multiple – please contact us. All States AL CA CO FL GA KS LA MO NC NJ OH PA SC TN TX All States All States All States All States except HI All States Most States All States All States All States All States All States except AK & NV All States Most States All States except HI All States + DC, Puerto Rico, Virgin Islands

Southern Insurance Underwriters, Inc. CMGA SPG Wholesale Target Professional Programs The Hanover Insurance Group Verve Risk Services Limited XPT Specialty

AL FL GA MS NC SC TN TX VA Nationwide All States Most States All States All States

Markel McGowan, Donnelly & Oberheu, LLC (MDO) NeitClem Wholesale Insurance Brokerage, Inc. Norman-Spencer International, Inc. Osprey Underwriters Philadelphia Insurance Companies Prime Insurance Company Protexure Smart Choice Express Markets

(includes Tax Preparers & Bookkeepers) All States All States AZ CA NV All States All States All States except LA All States CA CO FL GA IA IL MD MI MN NC NJ OH PA TX WA All States except AK & HI

Company

Landy Insurance Agency

All States except AK & LA

28 | INSURANCE JOURNAL | SEPTEMBER 21, 2026

Allied Health Care Professional Liability Company

States

Access E&S Insurance Services DC DE GA IL MD NC NJ NY OH PA SC TN TX VA Access One80 Most States Admiral Insurance Group All States Affinity Healthcare All States Allsouth Professional Liability Multiple – please contact us. AMS Professional Liability AL CA CO FL GA KS LA MO NC NJ OH PA SC TN TX Aon Affinity All States Apogee Insurance Group, a Berkshire Hathaway Co. All States Ascendant Insurance Solutions AL AZ CA CO CT DC FL GA IL LA MA MD NC NJ NM NV NY PA SC TN TX VA VT WV Ashley General Agency TX Bailey Special Risks, Inc. All States except AK & HI Baker Insurance and Bonds, LLC All States except NY Balance Partners All States except KY Braishfield Associates, Inc. All States Brooks Insurance Agency All States except HI Brown & Riding All States

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Allied Health Care Professional Liability (continued)

Architects & Engineers Liability (continued)

Company

States

Company

CFC CID Insurance Programs, Inc. Ck Specialty Insurance Associates Cochrane and Company Commonwealth Underwriters, a Division of Specialty Program Group, LLC

All States AZ CA CO ID MD NE NM NV OR TN TX UT WA All States except AK DC FL NY All States

ERGO NEXT Insurance All States Executive Insurance Professionals, PLLC CA NM OK TX Freberg Environmental, Inc. All States FTP Inc. All States except AK & KY Gateway Underwriters Agency All States Gorst & Compass Insurance CA Hill Program Managers, LLC All States Innovation Growth Partners Specialty (IGP Specialty) All States ISC - Integrated Specialty Coverages All States James River Insurance Company All States Jencap Specialty Ins. Services (Environmental) Most States Jimcor Agencies All States except AK HI IA NE SD WY

Cooper & McCloskey, Inc.

Donald Gaddis Co., Inc. Insurance Svcs DOXA Insurance Holdings Eaton Professional Insurance Services Elite Specialty & Wholesale Insurance Services Executive Insurance Professionals, PLLC First Choice Insurance Intermediaries, Inc. Gateway Specialty Insurance Gateway Underwriters Agency GIC Underwriters, Inc. Hedge Specialty Hudson Insurance Group / HudsonPro

ISC - Integrated Specialty Coverages

J.E. Brown & Associates James River Insurance Company Jencap - Locations Nationwide Jimcor Agencies Johnson & Johnson Joseph Krar & Associates, Inc. Kinsale Insurance Company Maverick Commercial Insurance Services MAXIMUM McGowan, Donnelly & Oberheu, LLC (MDO) New England Excess Exchange Novatae Risk Group Osprey Underwriters Philadelphia Insurance Companies PLIS Inc. - Underwriting Facilities Professional Program Ins. Brokerage, a Div of SPG Promont Insurance Advisors ProWriters Quirk & Company River Valley Underwriters, Inc. RPS Healthcare Smart Choice Express Markets Southern Insurance Underwriters, Inc. CMGA SPG Wholesale The Hanover Insurance Group USG Insurance Services, Inc. VGM Insurance Services Wholesure

DC MD NC PA SC VA WV

Most States

All States All States CA All States CA NM OK TX Most States All States All States FL All States + DC All States

All States

All States All States All States All States except AK HI IA NE SD WY All States CT MA ME NH RI VT All States + DC, Puerto Rico, Virgin Islands All States All States All States CT DC DE MA MD ME NC NH NJ NY OH PA RI VA VT All States All States All States except LA All States (Home Health, Acupuncturist) All States All States All States LA NM OK OR TX WA AL AR AZ CO FL GA IA ID IL IN KS LA MD MO MS NC NE NM OH OK SC SD TN TX UT VA All States All States except AK & HI AL FL GA MS NC SC TN TX VA Nationwide Most States All States All States All States

Architects & Engineers Liability Company

States

Access E&S Insurance Services DC DE GA IL MD NC NJ NY OH PA SC TN TX VA Admiral Insurance Group All States Allsouth Professional Liability Multiple – please contact us. AMIS/Alliance Marketing & Insurance Services All States AMS Professional Liability AL CA CO FL GA KS LA MO NC NJ OH PA SC TN TX Amwins - 150+ Offices Nationwide All States Apogee Insurance Group, a Berkshire Hathaway Co. All States ARMR.Network - Better Insurance By Design All States Ashley General Agency TX Axon Underwriting Services, LLC All States Bailey Special Risks, Inc. All States except AK & HI Braishfield Associates, Inc. All States Brooks Insurance Agency All States except HI Brown & Riding All States CFC All States CID Insurance Programs, Inc. AZ CA CO ID MD NE NM NV OR TN TX UT WA Ck Specialty Insurance Associates All States except AK DC FL NY Cochrane and Company All States Cooper & McCloskey, Inc. Most State

Donald Gaddis Co., Inc. Insurance Svcs DOXA Insurance Holdings Eaton Professional Insurance Services Elite Specialty & Wholesale Insurance Services Encore Fiduciary

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All States All States CA All States All States

States

Johnson & Johnson

All States

Victor Insurance Managers LLC

All States

Joseph Krar & Associates, Inc. Kevin Dahlke Insurance Brokerage, Inc. Kinsale Insurance Company Landy Insurance Agency MAXIMUM NeitClem Wholesale Insurance Brokerage, Inc. Norman-Spencer Agency, Inc. Norman-Spencer International, Inc. Novatae Risk Group Philadelphia Insurance Companies Professional Insurance Concepts Professional Liability Brokers & Consultants, Inc. Professional Underwriters Agency (PUA) ProWriters Quadrant Insurance Managers Quirk & Company R.E. Chaix & Associates, LLC Roush Insurance Services, Inc. RPS Executive Lines RT Specialty Shelly, Middlebrooks & O’Leary, Inc. Smart Choice Express Markets Southern Insurance Underwriters, Inc. CMGA SPG Energy SPG ExecuPro SPG Wholesale Synergy Professional Associates, Inc. Target Professional Programs The Hanover Insurance Group USG Insurance Services, Inc. Verve Risk Services Limited

CT MA ME NH RI VT Most States All States + DC, Puerto Rico, Virgin Islands All States except AK & LA All States AZ CA NV All States All States All States All States except LA All States All States All States All States All States LA NM OK OR TX WA All States IA IL IN MN ND OH SD WI All States All States AL FL GA MS NC SC TX All States except AK & HI AL FL GA MS NC SC TN TX VA AR AZ CA CO LA MS NM PA TX All States Nationwide All States All States Most States All States All States

Wholesure All States Woodlands Insurance Services, LLC Most States XPT Specialty All States

Beauty/Barber Shop E&O Company

States

360 Coverage Pros AMIS/Alliance Marketing & Insurance Services Ashley General Agency Balance Partners Brooks Insurance Agency Cooper & McCloskey, Inc. Donald Gaddis Co., Inc. Insurance Svcs Encore Fiduciary First Choice Insurance Intermediaries, Inc. Gateway Specialty Insurance GIC Underwriters, Inc. Hedge Specialty Johnson & Johnson Joseph Krar & Associates, Inc. New England Excess Exchange Norman-Spencer International, Inc.

Philadelphia Insurance Companies

PLIS Inc. - Underwriting Facilities Professional Program Ins. Brokerage, a Div of SPG River Valley Underwriters, Inc. SASSI - Salon & Spa Specialty Insurance USASIA Insurance Services Veracity Insurance Solutions, LLC

All States All States TX All States except KY All States except HI Most States All States All States Most States All States FL All States + DC All States CT MA ME NH RI VT CT DC DE MA MD ME NC NH NJ NY OH PA RI VA VT All States

All States except LA

All States (Aesthescians, Wellness) All States AL AR AZ CO FL GA IA ID IL IN KS LA MD MO MS NC NE NM OH OK SC SD TN TX UT VA Most States AZ CA All States

SSEPTEMBER 21, 2026 | INSURANCE JOURNAL | 29

Crime Company

Cyber Liability (continued) States

Company

States

Access One80 Most States Executive Insurance Professionals, PLLC CA NM OK TX Alliant Insurance Services All States FTP Inc. All States except AK & KY AMIS/Alliance Marketing & Insurance Services All States Gateway Specialty Insurance All States Aon Affinity All States GIC Underwriters, Inc. FL Apogee Insurance Group, a Berkshire Hathaway Co. All States Gorst & Compass Insurance CA Ascendant Insurance Solutions AL AZ CA CO CT DC FL GA IL LA MA MD NC Grayhawk General Agency, Inc. AZ CA CO ID MT NM NV TX UT WA NJ NM NV NY PA SC TN TX VA VT WV Greenhill Insurance Services All States Axis Insurance Services, LLC All States Hedge Specialty All States + DC Axon Underwriting Services, LLC All States Innovation Growth Partners Specialty (IGP Specialty) All States Baker Insurance and Bonds, LLC All States except NY Insurance Agents & Brokers Service Group, Inc. DE MD PA (for Ins. Agents & Brokers only) Berkley Select | a Berkley Company All States Irwin Siegel Agency All State Brooks Insurance Agency All States except HI ISC - Integrated Specialty Coverages All States Brownyard Group Most States (includes first & third party J.E. Brown & Associates All States dishonesty) Jamison Risk Services All States Cooper & McCloskey, Inc. Most States Jencap - Locations Nationwide All States Costanza Insurance Agency, Inc. All States (for Security Industry) Jimcor Agencies All States except AK HI IA NE SD WY Donald Gaddis Co., Inc. Insurance Svcs All States Johnson & Johnson All States GIC Underwriters, Inc. FL Joseph Krar & Associates, Inc. CT MA ME NH RI VT IAT Insurance Group All States Kevin Dahlke Insurance Brokerage, Inc. Most States Insurance Agents & Brokers Service Group, Inc. DE MD PA (for Ins. Agents & Brokers only) Landy Insurance Agency All States except AK & LA Irwin Siegel Agency All States Markel All States Johnson & Johnson All States MAXIMUM All States Landy Insurance Agency All States except AK & LA McGowan, Donnelly & Oberheu, LLC (MDO) All States Markel All States National Association of Professional Agents (NAPA) All States Philadelphia Insurance Companies All States except LA Negley Associates All States PL Risk Advisors, Inc. All States New Age Underwriters Agency, Inc. All States Professional Insurance Concepts All States New England Excess Exchange CT DC DE MA MD ME NC NH NJ NY OH PA RI R.E. Chaix & Associates, LLC All States VA VT River Valley Underwriters, Inc. AL AR AZ CO FL GA IA ID IL IN KS LA MD MO Norman-Spencer Agency, Inc. All States MS NC NE NM OH OK SC SD TN TX UT VA Novatae Risk Group All States RPS Technology & Cyber All States Number One Insurance Agency MA RT Specialty All States (includes Kidnap & Ransom) Osprey Underwriters All States Philadelphia Insurance Companies All States except LA SPG Energy AR AZ CA CO LA MS NM PA TX PL Risk Advisors, Inc. All States SWBC TX Professional Insurance Concepts All States The Hanover Insurance Group Most States U.S. E&O Brokers, a Division of IGP Specialty All States Professional Liability Brokers & Consultants, Inc. All States USASIA Insurance Services AZ CA ProWriters All States Veracity Insurance Solutions, LLC All States Quadrant Insurance Managers All States Verve Risk Services Limited All States Quirk & Company LA NM OK OR TX WA Wilkoff Bonds All States R.E. Chaix & Associates, LLC All States Woodlands Insurance Services, LLC Most States River Valley Underwriters, Inc. AL AR AZ CO FL GA IA ID IL IN KS LA MD MO MS NC NE NM OH OK SC SD TN TX UT VA RPS Executive Lines All States RPS Technology & Cyber All States Cyber Liability RT Specialty All States (includes Privacy & Security) Company States SASSI - Salon & Spa Specialty Insurance Most States Shelly, Middlebrooks & O’Leary, Inc. AL FL GA MS NC SC TX 360 Coverage Pros All States Southern Insurance Underwriters, Inc. CMGA AL FL GA MS NC SC TN TX VA Access One80 Most States SPG Energy AR AZ CA CO LA MS NM PA TX Alliant Insurance Services All States SPG ExecuPro All States AMIS/Alliance Marketing & Insurance Services All States SPG Wholesale Nationwide Amwins - 150+ Offices Nationwide All States SWBC TX Aon Affinity All States Synergy Professional Associates, Inc. All States Apogee Insurance Group, a Berkshire Hathaway Co. All States U.S. E&O Brokers, a Division of IGP Specialty All States Ascendant Insurance Solutions AL AZ CA CO CT DC FL GA IL LA MA MD NC USG Insurance Services, Inc. All States NJ NM NV NY PA SC TN TX VA VT WV Veracity Insurance Solutions, LLC All States Aura Risk Management & Insurance Services Most States Victor Insurance Managers LLC All States Axis Insurance Services, LLC All States Wholesure All States Bailey Special Risks, Inc. All States except AK & HI Woodlands Insurance Services, LLC Most States Baker Insurance and Bonds, LLC All States except NY XPT Specialty All States Balance Partners All States except KY Braishfield Associates, Inc. All States (includes Patent Infringement)

Brooks Insurance Agency Brown & Riding Brownyard Group CFC Chubb CID Insurance Programs, Inc. Cochrane and Company Cooper & McCloskey, Inc. CRES A Gallagher Company

Donald Gaddis Co., Inc. Insurance Svcs DOXA Insurance Holdings Eaton Professional Insurance Services Elite Specialty & Wholesale Insurance Services

All States except HI

All States Most States All States All States AZ CA CO ID MD NE NM NV OR TN TX UT WA All States Most States All States

All States All States CA All States

30 | INSURANCE JOURNAL | SEPTEMBER 21, 2026

D&O Liability Company

States

INSURANCEJOURNAL.COM

D&O Liability (continued) Company

Ascendant Insurance Solutions Ashley General Agency Aura Risk Management & Insurance Services Axis Insurance Services, LLC Axon Underwriting Services, LLC Bailey Special Risks, Inc. Baker Insurance and Bonds, LLC Berkley Select | a Berkley Company Braishfield Associates, Inc.

D&O Liability (continued) States

Company

AL AZ CA CO CT DC FL GA IL LA MA MD NC NJ NM NV NY PA SC TN TX VA VT WV TX Most States All States All States All States except AK & HI All States except NY All State All States

Brooks Insurance Agency

All States except HI

Cooper & McCloskey, Inc.

Most States

Donald Gaddis Co., Inc. Insurance Svcs

All States

Brown & Riding All States Brownyard Group Most States (for Cemetery & Library Programs only) CFC All States Ck Specialty Insurance Associates All States except AK DC FL NY Cochrane and Company All States Commonwealth Underwriters, a Division of Specialty Program Group, LLC DC MD NC PA SC VA WV Costanza Insurance Agency, Inc. CRES A Gallagher Company

All States All States

(for Security Industry)

DOXA Insurance Holdings All States Eaton Professional Insurance Services CA Elite Specialty & Wholesale Insurance Services All States Encore Fiduciary All States Executive Insurance Professionals, PLLC CA NM OK TX FTP Inc. All States except AK & KY Gateway Specialty Insurance All States Gateway Underwriters Agency All States GIC Underwriters, Inc. FL Gorst & Compass Insurance CA Great American Ins. Group - Executive Liab. Division All States Hedge Specialty All States + DC Hudson Insurance Group / HudsonPro All States IAT Insurance Group All States Innovation Growth Partners Specialty (IGP Specialty) All States Insurance Agents & Brokers Service Group, Inc. DE MD PA (for Ins. Agents & Brokers only) IPA Risk Management, LLC All States Irwin Siegel Agency All States J.E. Brown & Associates All States Jamison Risk Services All States except AK & NV Jencap - Locations Nationwide All States Jimcor Agencies All States except AK HI IA NE SD WY Johnson & Johnson All States Joseph Krar & Associates, Inc. CT MA ME NH RI VT Kevin Dahlke Insurance Brokerage, Inc. Most States Kinsale Insurance Company All States + DC, Puerto Rico, Virgin Islands Landy Insurance Agency All States except AK & LA Markel All States MAXIMUM All States McGowan, Donnelly & Oberheu, LLC (MDO) All States Negley Associates All States NeitClem Wholesale Insurance Brokerage, Inc. AZ CA NV New Age Underwriters Agency, Inc. All States New England Excess Exchange CT DC DE MA MD ME NC NH NJ NY OH PA RI VA VT Norman-Spencer Agency, Inc. All States Novatae Risk Group All States Osprey Underwriters All States Philadelphia Insurance Companies All States except LA PL Risk Advisors, Inc. All States Prime Insurance Company All States Professional Governmental Underwriters All States Professional Insurance Concepts All States Professional Liability Brokers & Consultants, Inc. All States ProWriters All States Quirk & Company LA NM OK OR TX WA Quadrant Insurance Managers All States R.E. Chaix & Associates, LLC All States River Valley Underwriters, Inc. AL AR AZ CO FL GA IA ID IL IN KS LA MD MO MS NC NE NM OH OK SC SD TN TX UT VA Roush Insurance Services, Inc. IA IL IN MN ND OH SD WI RPS Executive Lines All States

INSURANCEJOURNAL.COM

States

RPS Technology & Cyber All States RT Specialty All States (includes Private Mgmt Liab) Shelly, Middlebrooks & O’Leary, Inc. AL FL GA MS NC SC TX Southern Insurance Underwriters, Inc. CMGA AL FL GA MS NC SC TN TX VA SPG ExecuPro All States SPG Wholesale Nationwide SWBC TX TDC Specialty Underwriters All States except NM (healthcare industry specific) The Hanover Insurance Group Most States U.S. E&O Brokers, a Division of IGP Specialty All States United Educators All States USASIA Insurance Services AZ CA USG Insurance Services, Inc. All States Veracity Insurance Solutions, LLC All States Verve Risk Services Limited All States Wholesure All States Woodlands Insurance Services, LLC Most States XPT Specialty All States

E&O (General) Company

States

360 Coverage Pros Access E&S Insurance Services Access One80 Alliant Insurance Services

All States DC DE GA IL MD NC NJ NY OH PA SC TN TX VA Most States All States

AMS Professional Liability ARMR.Network - Better Insurance By Design Ashley General Agency Aura Risk Management & Insurance Services Axis Insurance Services, LLC Axon Underwriting Services, LLC Bailey Special Risks, Inc. Baker Insurance and Bonds, LLC Balance Partners

AL CA CO FL GA KS LA MO NC NJ OH PA SC TN TX All States TX Most States All States All States All States except AK & HI All States except NY All States except KY

American Guardian Insurance

Brooks Insurance Agency

Brownyard Group CFC Chubb CID Insurance Programs, Inc. CITA Insurance Services, a Div. of Brown & Brown Ck Specialty Insurance Associates Cochrane and Company Commonwealth Underwriters, a Division of Specialty Program Group, LLC Cooper & McCloskey, Inc. Costanza Insurance Agency, Inc. CRES A Gallagher Company

Donald Gaddis Co., Inc. Insurance Svcs

All States

All States except HI

Most States All States All States AZ CA CO ID MD NE NM NV OR TN TX UT WA All States All States except AK DC FL NY All States DC MD NC PA SC VA WV Most States All States (for Security Industry) All States

All States

Eaton Professional Insurance Services CA Elite Underwriters CA FL CT NY ERGO NEXT Insurance All States Executive Insurance Professionals, PLLC CA NM OK TX First Choice Insurance Intermediaries, Inc. Most States Gateway Underwriters Agency All States GIC Underwriters, Inc. FL Gorst & Compass Insurance CA Hedge Specialty All States + DC Innovation Growth Partners Specialty (IGP Specialty) All States Insurance Agents & Brokers Service Group, Inc. DE MD PA (for Ins. Agents & Brokers only) Irwin Siegel Agency All States ISC - Integrated Specialty Coverages All States J.E. Brown & Associates All States James Klein Insurance Service, Inc. Most States Jamison Risk Services All States except AK & NV Johnson & Johnson All States Kevin Dahlke Insurance Brokerage, Inc. Most States Keystroke Underwriters, a Division of SPG, LLC All States except HI

SSEPTEMBER 21, 2026 | INSURANCE JOURNAL | 31

E&O (General) (continued) Company

Kinsale Insurance Company Landy Insurance Agency Markel Maverick Commercial Insurance Services National Association of Professional Agents (NAPA) Negley Associates NeitClem Wholesale Insurance Brokerage, Inc. New England Excess Exchange Norman-Spencer International, Inc. Novatae Risk Group Osprey Underwriters

Philadelphia Insurance Companies

PLIS Inc. - Underwriting Facilities PL Risk Advisors, Inc. Prime Insurance Company Professional Governmental Underwriters Professional Insurance Concepts ProLawyer from C&R Insurance Services LLC Quadrant Insurance Managers River Valley Underwriters, Inc. Roush Insurance Services, Inc. RPS Technology & Cyber RT Specialty Smart Choice Express Markets SPG Energy SPG ExecuPro STRAVA Specialty Sun Coast General Insurance Agency SWBC Synergy Professional Associates, Inc. Target Professional Programs The Hanover Insurance Group U.S. E&O Brokers, a Division of IGP Specialty United Educators USG Insurance Services, Inc. Veracity Insurance Solutions, LLC Verve Risk Services Limited VGM Insurance Services

Victor Insurance Managers LLC Wholesure Woodlands Insurance Services, LLC

Employment Practices Liability (EPLI) (continued) States

Company

States

All States + DC, Puerto Rico, Virgin Islands All States except AK & LA All States All States All States All States AZ CA NV CT DC DE MA MD ME NC NH NJ NY OH PA RI VA VT All States All States All States

Cooper & McCloskey, Inc.

Most States

ISC - Integrated Specialty Coverages

All States

All States except LA

All States (250+ Misc Classes: Vinyard/Farm) All States All States All States All States DC DE MA MD NJ NY PA VA All States AL AR AZ CO FL GA IA ID IL IN KS LA MD MO MS NC NE NM OH OK SC SD TN TX UT VA IA IL IN MN ND OH SD WI All States All States All States except AK & HI AR AZ CA CO LA MS NM PA TX All States All States AZ CA CO NV OR UT TX All States All States Most States All States All States All States All States All States All States

All States

All States Most States

Employment Practices Liability (EPLI) Company

States

Access E&S Insurance Services DC DE GA IL MD NC NJ NY OH PA SC TN TX VA Access One80 Most States Alliant Insurance Services All States Allsouth Professional Liability Multiple – please contact us. AMIS/Alliance Marketing & Insurance Services All States Amwins - 150+ Offices Nationwide All States Apogee Insurance Group, a Berkshire Hathaway Co. All States Ascendant Insurance Solutions AL AZ CA CO CT DC FL GA IL LA MA MD NC NJ NM NV NY PA SC TN TX VA VT WV Ashley General Agency TX Aura Risk Management & Insurance Services Most States Axis Insurance Services, LLC All States Bailey Special Risks, Inc. All States except AK & HI Baker Insurance and Bonds, LLC All States except NY Berkley Select | a Berkley Company All States Braishfield Associates, Inc. All States

Brooks Insurance Agency

Brown & Riding CID Insurance Programs, Inc. Ck Specialty Insurance Associates Cochrane and Company Commonwealth Underwriters, a Division of Specialty Program Group, LLC

All States except HI

All States AZ CA CO ID MD NE NM NV OR TN TX UT WA All States except AK DC FL NY All States DC MD NC PA SC VA WV

32 | INSURANCE JOURNAL | SEPTEMBER 21, 2026

Costanza Insurance Agency, Inc. All States (for Security Industry) CRES A Gallagher Company All States Donald Gaddis Co., Inc. Insurance Svcs All States Eaton Professional Insurance Services CA Elite Specialty & Wholesale Insurance Services All States Executive Insurance Professionals, PLLC CA NM OK TX FTP Inc. All States except AK & KY Gateway Specialty Insurance All States Gateway Underwriters Agency All States GIC Underwriters, Inc. FL Gorst & Compass Insurance CA Great American Ins. Group - Executive Liab. Division All States IAT Insurance Group All States Innovation Growth Partners Specialty (IGP Specialty) All States Insurance Agents & Brokers Service Group, Inc. DE MD PA (for Ins. Agents & Brokers only) IPA Risk Management, LLC All States Irwin Siegel Agency All States

J.E. Brown & Associates James River Insurance Company Jamison Risk Services Jencap - Locations Nationwide Jimcor Agencies Johnson & Johnson Joseph Krar & Associates, Inc. Kevin Dahlke Insurance Brokerage, Inc. Kinsale Insurance Company Landy Insurance Agency Markel Maverick Commercial Insurance Services MAXIMUM Negley Associates NeitClem Wholesale Insurance Brokerage, Inc. New Age Underwriters Agency, Inc. New England Excess Exchange Norman-Spencer Agency, Inc. Novatae Risk Group Number One Insurance Agency Osprey Underwriters Philadelphia Insurance Companies PLIS Inc. - Underwriting Facilities PL Risk Advisors, Inc. Professional Governmental Underwriters Professional Insurance Concepts Professional Liability Brokers & Consultants, Inc. ProWriters Quadrant Insurance Managers Quirk & Company R.E. Chaix & Associates, LLC River Valley Underwriters, Inc. Roush Insurance Services, Inc. RPS Executive Lines RPS Technology & Cyber RT Specialty Shelly, Middlebrooks & O’Leary, Inc. Southern Insurance Underwriters, Inc. CMGA SPG ExecuPro SPG Wholesale SWBC Synergy Professional Associates, Inc. Target Professional Programs The Hanover Insurance Group U.S. E&O Brokers, a Division of IGP Specialty United Educators USASIA Insurance Services USG Insurance Services, Inc. Veracity Insurance Solutions, LLC VGM Insurance Services Woodlands Insurance Services, LLC XPT Specialty

All States All States All States except AK & NV All States All States except AK HI IA NE SD WY All States CT MA ME NH RI VT Most States All States + DC, Puerto Rico, Virgin Islands All States except AK & LA All States All States All States All States AZ CA NV All States CT DC DE MA MD ME NC NH NJ NY OH PA RI VA VT All States All States MA All States All States except LA All States All States All States All States All States All States All States LA NM OK OR TX WA All States AL AR AZ CO FL GA IA ID IL IN KS LA MD MO MS NC NE NM OH OK SC SD TN TX UT VA IA IL IN MN ND OH SD WI All States All States All States AL FL GA MS NC SC TX AL FL GA MS NC SC TN TX VA All States Nationwide TX All States All States Most States All States All States AZ CA All States All States All States Most States All States

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Environmental E&O Company

Financial Professionals’ Liability States

Access E&S Insurance Services DC DE GA IL MD NC NJ NY OH PA SC TN TX VA Access One80 Most States Alliant Insurance Services All States Apogee Insurance Group, a Berkshire Hathaway Co. All States ARMR.Network - Better Insurance By Design All States Ashley General Agency TX Aura Risk Management & Insurance Services Most States Baker Insurance and Bonds, LLC All States except NY (includes Pollution & Environmental Liability) Brooks Insurance Agency All States except HI Cochrane and Company All States Cooper & McCloskey, Inc. AK AZ CA CO HI IL NV NY OH OR TX WA Donald Gaddis Co., Inc. Insurance Svcs All States Elite Specialty & Wholesale Insurance Services All States Executive Insurance Professionals, PLLC CA NM OK TX Freberg Environmental, Inc. All States FTP Inc. All States except AK & KY Gateway Underwriters Agency All States ISC - Integrated Specialty Coverages All States James River Insurance Company All States Jencap Specialty Ins. Services (Environmental) Most States Johnson & Johnson All States Joseph Krar & Associates, Inc. CT MA ME NH RI VT Maverick Commercial Insurance Services All States NeitClem Wholesale Insurance Brokerage, Inc. AZ CA NV

Philadelphia Insurance Companies

All States except LA

Victor Insurance Managers LLC

All States

Professional Liability Brokers & Consultants, Inc. Quadrant Insurance Managers R.E. Chaix & Associates, LLC Roush Insurance Services, Inc. SPG Energy SPG Environmental STRAVA Specialty USG Insurance Services, Inc. VGM Insurance Services Wholesure Woodlands Insurance Services, LLC

All States All States All States IA IL IN MN ND OH SD WI AR AZ CA CO LA MS NM PA TX All States All States All States All States All States Most States

Fiduciary Liability Insurance Company

States

360 Coverage Pros All States Access One80 Most States Alliant Insurance Services All States Ascendant Insurance Solutions AL AZ CA CO CT DC FL GA IL LA MA MD NC NJ NM NV NY PA SC TN TX VA VT WV Aura Risk Management & Insurance Services Most States Axis Insurance Services, LLC All States Axon Underwriting Services, LLC All States Balance Partners All States except KY Berkley Select | a Berkley Company All States Brooks Insurance Agency All States except HI Cooper & McCloskey, Inc. Most States Donald Gaddis Co., Inc. Insurance Svcs All States Encore Fiduciary All States Great American Ins. Group - Executive Liab. Division All States IAT Insurance Group All States Innovation Growth Partners Specialty (IGP Specialty) All States Insurance Agents & Brokers Service Group, Inc. DE MD PA (for Ins. Agents & Brokers only) IPA Risk Management, LLC All States Irwin Siegel Agency All States Jamison Risk Services All States Johnson & Johnson All States Kinsale Insurance Company All States + DC, Puerto Rico, Virgin Islands Landy Insurance Agency All States except AK & LA National Association of Professional Agents (NAPA) All States New Age Underwriters Agency, Inc. All States Philadelphia Insurance Companies All States except LA PL Risk Advisors, Inc. All States Professional Insurance Concepts All States R.E. Chaix & Associates, LLC All States RPS Executive Lines All States RPS Technology & Cyber All States RT Specialty All States USASIA Insurance Services AZ CA

INSURANCEJOURNAL.COM

Company

States

360 Coverage Pros Amwins - 150+ Offices Nationwide Axon Underwriting Services, LLC

All States All States All States All States except HI (includes Investment

Brooks Insurance Agency

Firms)

Chubb All States CITA Insurance Services, a Div. of Brown & Brown All States Cooper & McCloskey, Inc. Most States CRES A Gallagher Company All States Donald Gaddis Co., Inc. Insurance Svcs All States Elite Specialty & Wholesale Insurance Services All States First Choice Insurance Intermediaries, Inc. Most States Hudson Insurance Group / HudsonPro All States Innovation Growth Partners Specialty (IGP Specialty) All States IPA Risk Management, LLC All States Johnson & Johnson All States Kevin Dahlke Insurance Brokerage, Inc. Most States Kinsale Insurance Company All States + DC, Puerto Rico, Virgin Islands Markel All States McGowan, Donnelly & Oberheu, LLC (MDO) All States National Association of Professional Agents (NAPA) All States NeitClem Wholesale Insurance Brokerage, Inc. AZ CA NV Norman-Spencer Agency, Inc. All States Novatae Risk Group All States Philadelphia Insurance Companies All States except LA Professional Insurance Concepts All States Professional Liability Brokers & Consultants, Inc. All States RT Specialty All States Smart Choice Express Markets All States except AK & HI Target Professional Programs All States U.S. E&O Brokers, a Division of IGP Specialty All States Verve Risk Services Limited All States

Hospital Professional Liability Company

States

Admiral Insurance Group All States Amwins - 150+ Offices Nationwide All States Ascendant Insurance Solutions AL AZ CA CO CT DC FL GA IL LA MA MD NC NJ NM NV NY PA SC TN TX VA VT WV Brooks Insurance Agency All States except HI Cooper & McCloskey, Inc. Most States Donald Gaddis Co., Inc. Insurance Svcs All States DOXA Insurance Holdings All States Elite Underwriters CA FL CT NY Hudson Insurance Group / HudsonPro All States Johnson & Johnson All States Maverick Commercial Insurance Services All States Negley Associates All States RPS Healthcare All States Smart Choice Express Markets All States except AK & HI TDC Specialty Underwriters All States except NM (includes Medical Facilities)

Insurance Agents & Brokers Prof. Liability Company

States

360 Coverage Pros Admiral Insurance Group Allsouth Professional Liability

All States All States Multiple – please contact us.

American Guardian Insurance

All States

AMIS/Alliance Marketing & Insurance Services All States AMS Professional Liability AL CA CO FL GA KS LA MO NC NJ OH PA SC TN TX Apogee Insurance Group, a Berkshire Hathaway Co. All States Ashley General Agency TX Aura Risk Management & Insurance Services Most States Balance Partners All States except KY Braishfield Associates, Inc. All States Brooks Insurance Agency All States except HI Chubb All States CID Insurance Programs, Inc. AZ CA CO ID MD NE NM NV OR TN TX UT WA CITA Insurance Services, a Div. of Brown & Brown All States

SSEPTEMBER 21, 2026 | INSURANCE JOURNAL | 33

Insurance Agents & Brokers Prof. Liability (continued)

Lawyers Liability (continued)

Company

Ck Specialty Insurance Associates Commonwealth Underwriters, a Division of Specialty Program Group, LLC

States

All States except AK DC FL NY DC MD NC PA SC VA WV

Cooper & McCloskey, Inc.

Most States

Johnson & Johnson

All States

Donald Gaddis Co., Inc. Insurance Svcs All States Elite Underwriters CA FL CT NY Encore Fiduciary All States Gorst & Compass Insurance CA Innovation Growth Partners Specialty (IGP Specialty) All States Insurance Agents & Brokers Service Group, Inc. DE MD PA IPA Risk Management, LLC All States ISC - Integrated Specialty Coverages All States J.E. Brown & Associates All States James River Insurance Company All States Jamison Risk Services All States except AK & NV Jencap - Locations Nationwide All States Jimcor Agencies All States except AK HI IA NE SD WY

Keystroke Underwriters, a Division of SPG, LLC Kinsale Insurance Company Landy Insurance Agency MAXIMUM McGowan, Donnelly & Oberheu, LLC (MDO) National Association of Professional Agents (NAPA) NeitClem Wholesale Insurance Brokerage, Inc. New Age Underwriters Agency, Inc. New England Excess Exchange Norman-Spencer Agency, Inc. Novatae Risk Group Number One Insurance Agency PLIS Inc. - Underwriting Facilities Prime Insurance Company Professional Insurance Concepts ProWriters Quadrant Insurance Managers R.E. Chaix & Associates, LLC River Valley Underwriters, Inc. RPS Executive Lines Southern Insurance Underwriters, Inc. CMGA SPG ExecuPro Sun Coast General Insurance Agency Synergy Professional Associates, Inc. Target Professional Programs U.S. E&O Brokers, a Division of IGP Specialty Vanguard Specialty, LLC Veracity Insurance Solutions, LLC Verve Risk Services Limited VGM Insurance Services Wholesure XPT Specialty

All States except HI All States + DC, Puerto Rico, Virgin Islands All States except AK & LA All States All States All States AZ CA NV All States CT DC DE MA MD ME NC NH NJ NY OH PA RI VA VT All States All States MA All States All States All States All States All States All States AL AR AZ CO FL GA IA ID IL IN KS LA MD MO MS NC NE NM OH OK SC SD TN TX UT VA All States AL FL GA MS NC SC TN TX VA All States AZ CA CO NV OR UT All States All States All States All States All States All States All States All States All States

360 Coverage Pros Alliant Insurance Services Allsouth Professional Liability AMS Professional Liability Amwins - 150+ Offices Nationwide Aon Affinity Aura Risk Management & Insurance Services Berkley Select | a Berkley Company Brooks Insurance Agency CID Insurance Programs, Inc.

Cooper & McCloskey, Inc.

Donald Gaddis Co., Inc. Insurance Svcs DOXA Insurance Holdings ERGO NEXT Insurance FTP Inc. Gorst & Compass Insurance Grayhawk General Agency, Inc.

All States All States All States except AK & NV All States except AK HI IA NE SD WY All States All States + DC, Puerto Rico, Virgin Islands All States except AK & LA All States except AK HI LA OR WV WY All States All States All States AZ CA NV MA All States All States DC DE MA MD NJ NY PA VA AZ CA CO CT FL GA ID IL IN KS MA MI MN MO NC NJ NV OH PA TN TX UT VA WA WI All States All States All States Nationwide All States All States Most States All States All States All States

Managed Health Care Professional Liability Company

Admiral Insurance Group Affinity Healthcare Brooks Insurance Agency Cooper & McCloskey, Inc. Donald Gaddis Co., Inc. Insurance Svcs DOXA Insurance Holdings Irwin Siegel Agency James Klein Insurance Service, Inc. Johnson & Johnson Magnolia LTC Maverick Commercial Insurance Services Prime Insurance Company Promont Insurance Advisors RPS Healthcare SPG ExecuPro TDC Specialty Underwriters VGM Insurance Services

States

All States All States All States except HI Most States All States All States All States Most States All States AR AZ CA CO GA IL KY MO MS NC NJ NM NV NY OR PA SC TN TX VA All States All States All States All States All States All States except NM All States

Media Professional Liability

Lawyers Liability Company

IPA Risk Management, LLC James River Insurance Company Jamison Risk Services Jimcor Agencies Johnson & Johnson Kinsale Insurance Company Landy Insurance Agency Lawyer’s Protector Plan Markel MAXIMUM McGowan, Donnelly & Oberheu, LLC (MDO) NeitClem Wholesale Insurance Brokerage, Inc. Number One Insurance Agency Professional Insurance Concepts Professional Liability Brokers & Consultants, Inc. ProLawyer from C&R Insurance Services LLC Protexure R.E. Chaix & Associates, LLC RT Specialty SPG ExecuPro SPG Wholesale Synergy Professional Associates, Inc. Target Professional Programs The Hanover Insurance Group Vanguard Specialty, LLC Verve Risk Services Limited XPT Specialty

States

All States All States Multiple – please contact us. AL CA CO FL GA KS LA MO NC NJ OH PA SC TN TX All States All States Most States All States All States except HI AZ CA CO ID MD NE NM NV OR TN TX UT WA

Most States

All States All States All States All States except AK & KY CA AZ CA CO ID MT NM NV TX UT WA

34 | INSURANCE JOURNAL | SEPTEMBER 21, 2026

Company

Axon Underwriting Services, LLC Balance Partners Brooks Insurance Agency CFC Chubb Cochrane and Company Commonwealth Underwriters, a Division of Specialty Program Group, LLC Cooper & McCloskey, Inc. Donald Gaddis Co., Inc. Insurance Svcs Eaton Professional Insurance Services Elite Specialty & Wholesale Insurance Services Elite Underwriters First Choice Insurance Intermediaries, Inc. FTP Inc. Gateway Specialty Insurance Gateway Underwriters Agency Hedge Specialty Hudson Insurance Group / HudsonPro

States

All States All States except KY All States except HI All States All States All States DC MD NC PA SC VA WV Most States All States CA All States CA FL CT NY Most States All States except AK & KY All States All States All States + DC All States

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Media Professional Liability (continued)

Misc. Professional Liability - Medical Fields

Company

States

Company

James Klein Insurance Service, Inc. Jimcor Agencies Johnson & Johnson Kinsale Insurance Company NeitClem Wholesale Insurance Brokerage, Inc. Philadelphia Insurance Companies Pro-Praxis Insurance (division of CRC) Professional Liability Brokers & Consultants, Inc. Professional Program Ins. Brokerage, a Div of SPG ProWriters Quadrant Insurance Managers Quirk & Company RPS Executive Lines Shelly, Middlebrooks & O’Leary, Inc. Smart Choice Express Markets SPG Wholesale Veracity Insurance Solutions, LLC

Most States All States except AK HI IA NE SD WY All States All States + DC, Puerto Rico, Virgin Islands AZ CA NV All States except LA All States All States All States All States All States LA NM OK OR TX WA All States AL FL GA MS NC SC TX All States except AK & HI Nationwide All States

Medical Professional Liability | Med Mal Company

States

Access E&S Insurance Services Admiral Insurance Group Affinity Healthcare AMS Professional Liability Amwins - 150+ Offices Nationwide Aon Affinity Ascendant Insurance Solutions Aura Risk Management & Insurance Services

DC DE GA IL MD NC NJ NY OH PA SC TN TX VA All States All States AL CA CO FL GA KS LA MO NC NJ OH PA SC TN TX All States All States AL AZ CA CO CT DC FL GA IL LA MA MD NC NJ NM NV NY PA SC TN TX VA VT WV Most States

Brooks Insurance Agency Cooper & McCloskey, Inc. Donald Gaddis Co., Inc. Insurance Svcs DOXA Insurance Holdings Eaton Professional Insurance Services Elite Underwriters FTP Inc. Gateway Specialty Insurance Greenhill Insurance Services Hedge Specialty Hudson Insurance Group / HudsonPro James Klein Insurance Service, Inc.

All States except HI Most States All States All States CA CA FL CT NY All States except AK & KY All States All States All States + DC All States (includes Telemedicine) Most States

Boz Insurance Services, Inc.

Johnson & Johnson

CA AZ FL GA IL MI MN NC NV OH OK OR PA SC TX UT VA WA

All States

States

Access E&S Insurance Services DC DE GA IL MD NC NJ NY OH PA SC TN TX VA Admiral Insurance Group All States Affinity Healthcare All States Allsouth Professional Liability Multiple – please contact us. AMS Professional Liability AL CA CO FL GA KS LA MO NC NJ OH PA SC TN TX Ascendant Insurance Solutions AL AZ CA CO CT DC FL GA IL LA MA MD NC NJ NM NV NY PA SC TN TX VA VT WV Axis Insurance Services, LLC All States Bailey Special Risks, Inc. All States except AK & HI Balance Partners All States except KY Berkley Select | a Berkley Company All States Braishfield Associates, Inc. All States (Assisted Living, Home Healthcare, Mental Health) Brooks Insurance Agency All States except HI CID Insurance Programs, Inc. AZ CA CO ID MD NE NM NV OR TN TX UT WA Ck Specialty Insurance Associates All States except AK DC FL NY Cooper & McCloskey, Inc. Most States Donald Gaddis Co., Inc. Insurance Svcs All States First Choice Insurance Intermediaries, Inc. Most States Gateway Specialty Insurance All States Gorst & Compass Insurance CA Greenhill Insurance Services All States Innovation Growth Partners Specialty (IGP Specialty) All States IPA Risk Management, LLC All States Irwin Siegel Agency All States James Klein Insurance Service, Inc. Most States James River Insurance Company All States Jencap - Locations Nationwide All States Johnson & Johnson All States Kinsale Insurance Company All States + DC, Puerto Rico, Virgin Islands Magnolia LTC - (Skilled Nursing, Assisted Living) AR AZ CA CO GA IL KY MO MS NC NJ NM NV NY OR PA SC TN TX VA Maverick Commercial Insurance Services All States Negley Associates All States PLIS Inc. - Underwriting Facilities All States (Alcohol/Drug Testing, Diagnostics) PL Risk Advisors, Inc. All States Prime Insurance Company All States Professional Program Ins. Brokerage, a Div of SPG All States Promont Insurance Advisors All States RPS Healthcare All States (includes Home Health, Assisted Living, Skilled Nursing, Weight Loss Clinics) TDC Specialty Underwriters All States except NM (includes LTC & Assisted Living) USASIA Insurance Services AZ CA VGM Insurance Services All States Wholesure All States

Miscellaneous Professional Liability Kinsale Insurance Company All States + DC, Puerto Rico, Virgin Islands Magnolia LTC AR AZ CA CO GA IL KY MO MS NC NJ NM NV Company States NY OR PA SC TN TX VA Maverick Commercial Insurance Services All States NeitClem Wholesale Insurance Brokerage, Inc. AZ CA NV Access E&S Insurance Services DC DE GA IL MD NC NJ NY OH PA SC TN TX VA Access One80 Most States New Age Underwriters Agency, Inc. All States Admiral Insurance Group All States Prime Insurance Company All States Allsouth Professional Liability Multiple – please contact us. Professional Liability Brokers & Consultants, Inc. All States AMIS/Alliance Marketing & Insurance Services All States Professional Program Ins. Brokerage, a Div of SPG All States AMS Professional Liability AL CA CO FL GA KS LA MO NC NJ OH PA Promont Insurance Advisors All States SC TN TX Roush Insurance Services, Inc. IA IL IN MN ND OH SD WI Amwins - 150+ Offices Nationwide All States RPS Healthcare All States Aon Affinity All States RT Specialty All States Apogee Insurance Group, a Berkshire Hathaway Co. All States Smart Choice Express Markets All States except AK & HI ARMR.Network - Better Insurance By Design All States SPG Wholesale Nationwide Ashley General Agency TX TDC Specialty Underwriters All States except NM Aura Risk Management & Insurance Services Most States USG Insurance Services, Inc. All States Axis Insurance Services, LLC All States XPT Specialty All States Axon Underwriting Services, LLC All States Baker Insurance and Bonds, LLC All States except NY Balance Partners All States except KY Berkley Select | a Berkley Company All States Braishfield Associates, Inc. All States Brooks Insurance Agency All States except HI Brown & Riding All States INSURANCEJOURNAL.COM

SSEPTEMBER 21, 2026 | INSURANCE JOURNAL | 35

Miscellaneous Professional Liability (continued)

Company

States

Brownyard Group Most States CFC All States Chubb All States CID Insurance Programs, Inc. AZ CA CO ID MD NE NM NV OR TN TX UT WA Ck Specialty Insurance Associates All States except AK DC FL NY Cooper & McCloskey, Inc. Most States Costanza Insurance Agency, Inc. All States (for Security Industry) CRES A Gallagher Company All States Donald Gaddis Co., Inc. Insurance Svcs All States Elite Specialty & Wholesale Insurance Services All States Encore Fiduciary All States ERGO NEXT Insurance All States Executive Insurance Professionals, PLLC CA NM OK TX First Choice Insurance Intermediaries, Inc. Most States First Connect Insurance Services All States FTP Inc. All States except AK & KY Gateway Specialty Insurance All States Gateway Underwriters Agency All States GIC Underwriters, Inc. FL Hedge Specialty All States + DC Hudson Insurance Group / HudsonPro All States Innovation Growth Partners Specialty (IGP Specialty) All States Insurance Agents & Brokers Service Group, Inc. DE MD PA (for Ins. Agents & Brokers only) Irwin Siegel Agency All States ISC - Integrated Specialty Coverages All States (Contractors specifically) J.E. Brown & Associates All States James Klein Insurance Service, Inc. Most States James River Insurance Company All States Jamison Risk Services All States except AK & NV Jencap - Locations Nationwide All States

Johnson & Johnson

Joseph Krar & Associates, Inc. Kevin Dahlke Insurance Brokerage, Inc. Keystroke Underwriters, a Division of SPG, LLC Kinsale Insurance Company Landy Insurance Agency Magnolia LTC Markel Maverick Commercial Insurance Services MAXIMUM Negley Associates NeitClem Wholesale Insurance Brokerage, Inc. New Age Underwriters Agency, Inc. New England Excess Exchange Norman-Spencer Agency, Inc. Norman-Spencer International, Inc. Novatae Risk Group Philadelphia Insurance Companies PLIS Inc. - Underwriting Facilities PL Risk Advisors, Inc. Prime Insurance Company Professional Insurance Concepts Professional Program Ins. Brokerage, a Div of SPG Professional Underwriters Agency (PUA) ProWriters Quadrant Insurance Managers Quirk & Company River Valley Underwriters, Inc. Roush Insurance Services, Inc. RPS Technology & Cyber RT Specialty SASSI - Salon & Spa Specialty Insurance Shelly, Middlebrooks & O’Leary, Inc. Smart Choice Express Markets Southern Insurance Underwriters, Inc. CMGA SPG Energy SPG ExecuPro SPG Wholesale Sports & Fitness Insurance Corporation STRAVA Specialty Sun Coast General Insurance Agency SWBC

All States

CT MA ME NH RI VT Most States All States except HI All States + DC, Puerto Rico, Virgin Islands All States except AK & LA AR AZ CA CO GA IL KY MO MS NC NJ NM NV NY OR PA SC TN TX VA All States All States All States All States AZ CA NV All States CT DC DE MA MD ME NC NH NJ NY OH PA RI VA VT All States All States All States All States except LA All States (Winemaking Consultant/Winemaker) All States All States All States All States All States All States All States (includes Insurance Companies) LA NM OK OR TX WA AL AR AZ CO FL GA IA ID IL IN KS LA MD MO MS NC NE NM OH OK SC SD TN TX UT VA IA IL IN MN ND OH SD WI All States All States Most States AL FL GA MS NC SC TX All States except AK & HI AL FL GA MS NC SC TN TX VA AR AZ CA CO LA MS NM PA TX All States Nationwide All States (includes Fitness Professionals) All States AZ CA CO NV OR UT TX

36 | INSURANCE JOURNAL | SEPTEMBER 21, 2026

States

Synergy Professional Associates, Inc. All States Target Professional Programs All State The Hanover Insurance Group Most States The Mechanic Group, All States (Security Guards, Alarm & a Division of Specialty Program Group, LLC Electronic Security firms, PI’s, Background Screeners) United Educators All States USASIA Insurance Services AZ CA USG Insurance Services, Inc. All States Veracity Insurance Solutions, LLC All States Verve Risk Services Limited All States Wholesure All States Woodlands Insurance Services, LLC Most States XPT Specialty All States

Nonprofits’ Liability Company

States

AMIS/Alliance Marketing & Insurance Services All State Aon Affinity All States Apogee Insurance Group, a Berkshire Hathaway Co. All States Ascendant Insurance Solutions AL AZ CA CO CT DC FL GA IL LA MA MD NC NJ NM NV NY PA SC TN TX VA VT WV Axon Underwriting Services, LLC All States Bailey Special Risks, Inc. All States except AK & HI Baker Insurance and Bonds, LLC All States except NY Berkley Select | a Berkley Company All States Brooks Insurance Agency All States except HI Cochrane and Company All States Commonwealth Underwriters, a Division of Specialty Program Group, LLC DC MD NC PA SC VA WV Cooper & McCloskey, Inc. AK AZ CA CO HI IL NV NY OH OR TX WA Donald Gaddis Co., Inc. Insurance Svcs All States Eaton Professional Insurance Services CA Encore Fiduciary All States (includes Labor PL Insurance) Executive Insurance Professionals, PLLC CA NM OK TX Gateway Specialty Insurance All States Great American Ins. Group - Executive Liab. Division All States Hedge Specialty All States + DC Hudson Insurance Group / HudsonPro All States Irwin Siegel Agency All States J.E. Brown & Associates All States Jencap - Locations Nationwide All States Johnson & Johnson All States Joseph Krar & Associates, Inc. CT MA ME NH RI VT Kinsale Insurance Company All States + DC, Puerto Rico, Virgin Islands Maverick Commercial Insurance Services All States Negley Associates All States NeitClem Wholesale Insurance Brokerage, Inc. AZ CA NV New England Excess Exchange CT DC DE MA MD ME NC NH NJ NY OH PA RI VA VT Norman-Spencer Agency, Inc. All States

Philadelphia Insurance Companies

Professional Insurance Concepts Quirk & Company Roush Insurance Services, Inc. RPS Executive Lines RT Specialty Shelly, Middlebrooks & O’Leary, Inc. Smart Choice Express Markets Southern Insurance Underwriters, Inc. CMGA United Educators USASIA Insurance Services USG Insurance Services, Inc. VGM Insurance Services Woodlands Insurance Services, LLC

All States except LA

All States LA NM OK OR TX WA IA IL IN MN ND OH SD WI All States All States AL FL GA MS NC SC TX All States except AK & HI AL FL GA MS NC SC TN TX VA All States AZ CA All States All States Most States

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Physicians Professional Liability

Real Estate Agents’ Liability

Company

States

Admiral Insurance Group All States 360 Coverage Pros Braishfield Associates, Inc. Affinity Healthcare All States Brooks Insurance Agency Alliant Insurance Services All States Brown & Riding Brooks Insurance Agency All States except HI Chubb Brown & Riding All States CID Insurance Programs, Inc. Cooper & McCloskey, Inc. Most States Ck Specialty Insurance Associates Donald Gaddis Co., Inc. Insurance Svcs All States Commonwealth Underwriters, a Div of SPG DOXA Insurance Holdings All States Cooper & McCloskey, Inc. Elite Underwriters CA FL CT NY CRES A Gallagher Company Greenhill Insurance Services All States Donald Gaddis Co., Inc. Insurance Svcs Hudson Insurance Group / HudsonPro All States (includes Telemedicine) Elite Underwriters IPA Risk Management, LLC All States Encore Fiduciary James Klein Insurance Service, Inc. Most States ERGO NEXT Insurance James River Insurance Company All States Executive Insurance Professionals, PLLC Johnson & Johnson All States First Choice Insurance Intermediaries, Inc. Kinsale Insurance Company All States + DC, Puerto Rico, Virgin Islands Gateway Underwriters Agency Negley Associates All States GIC Underwriters, Inc. Philadelphia Insurance Companies All States except LA Gorst & Compass Insurance RPS Healthcare All States IPA Risk Management, LLC TDC Specialty Underwriters All States except NM (includes Dentists) Jimcor Agencies Johnson & Johnson Kevin Dahlke Insurance Brokerage, Inc. Public Officials Liability Kinsale Insurance Company Company

Landy Insurance Agency

States

Apex Insurance All States (includes Law Enforcement & School Board Liability w/ EPL) Bailey Special Risks, Inc. All States except AK & HI Brooks Insurance Agency All States except HI Chubb All States Cooper & McCloskey, Inc. Most States Donald Gaddis Co., Inc. Insurance Svcs All States Innovation Growth Partners Specialty (IGP Specialty) All States Jencap - Locations Nationwide All States Johnson & Johnson All States Kinsale Insurance Company All States + DC, Puerto Rico, Virgin Islands Osprey Underwriters All States Prime Insurance Company All States Professional Governmental Underwriters All States (includes Law Enforcement & School Board Liability w/ EPL) Roush Insurance Services, Inc. IA IL IN MN ND OH SD WI RT Specialty All States Shelly, Middlebrooks & O’Leary, Inc. AL FL GA MS NC SC TX

All States All States All States except HI All States All States AZ CA CO ID MD NE NM NV OR TN TX UT WA All States except AK DC FL NY DC MD NC PA SC VA WV Most States All States (includes Firms/Brokers) All States CA FL CT NY All States All States CA NM OK TX Most States All States FL CA All States All States except AK HI IA NE SD WY All States Most States All States + DC, Puerto Rico, Virgin Islands

All States except AK & LA

MAXIMUM McGowan, Donnelly & Oberheu, LLC (MDO) NeitClem Wholesale Insurance Brokerage, Inc. New Age Underwriters Agency, Inc. Norman-Spencer Agency, Inc. Number One Insurance Agency Osprey Underwriters Professional Insurance Concepts Professional Liability Brokers & Consultants, Inc. ProWriters Quirk & Company R.E. Chaix & Associates, LLC RPS Executive Lines Shelly, Middlebrooks & O’Leary, Inc. Southern Insurance Underwriters, Inc. CMGA Sun Coast General Insurance Agency Synergy Professional Associates, Inc. U.S. E&O Brokers, a Division of IGP Specialty USASIA Insurance Services Vanguard Specialty, LLC

Victor Insurance Managers LLC

(includes Real Estate Appraisers E&O) All States All States AZ CA NV All States All States MA All States All States All States (Mortgage Brokers specifically) All States LA NM OK OR TX WA All States All States AL FL GA MS NC SC TX AL FL GA MS NC SC TN TX VA AZ CA CO NV OR UT All States All States AZ CA All States

All States

Wholesure All States

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Technology E&O Company

Title Agents E&O States

Access E&S Insurance Services DC DE GA IL MD NC NJ NY OH PA SC TN TX VA Access One80 Most States Admiral Insurance Group All States Apogee Insurance Group, a Berkshire Hathaway Co. All States Ashley General Agency TX Axis Insurance Services, LLC All States Bailey Special Risks, Inc. All States except AK & HI Braishfield Associates, Inc. All States (includes Cyber & Privacy) Brooks Insurance Agency All States except HI Brown & Riding All States CFC All States Chubb All States Ck Specialty Insurance Associates All States except AK DC FL NY Cochrane and Company All States Commonwealth Underwriters, a Division of Specialty Program Group, LLC DC MD NC PA SC VA WV Cooper & McCloskey, Inc. Most States

Donald Gaddis Co., Inc. Insurance Svcs

All States

Eaton Professional Insurance Services CA Elite Specialty & Wholesale Insurance Services All States ERGO NEXT Insurance All States First Choice Insurance Intermediaries, Inc. Most States FTP Inc. All States except AK & KY Gateway Underwriters Agency All States GIC Underwriters, Inc. FL Hedge Specialty All States + DC Hudson Insurance Group / HudsonPro All States Innovation Growth Partners Specialty (IGP Specialty) All States IPA Risk Management, LLC All States ISC - Integrated Specialty Coverages All States J.E. Brown & Associates All States Jencap - Locations Nationwide All States Jimcor Agencies All States except AK HI IA NE SD WY Johnson & Johnson All States Joseph Krar & Associates, Inc. CT MA ME NH RI VT Landy Insurance Agency All States except AK & LA Markel All States McGowan, Donnelly & Oberheu, LLC (MDO) All States NeitClem Wholesale Insurance Brokerage, Inc. AZ CA NV New Age Underwriters Agency, Inc. All States New England Excess Exchange CT DC DE MA MD ME NC NH NJ NY OH PA RI VA VT Novatae Risk Group All States Osprey Underwriters All States

Company

AMS Professional Liability Axis Insurance Services, LLC Brooks Insurance Agency Brown & Riding Cooper & McCloskey, Inc. CRES A Gallagher Company Donald Gaddis Co., Inc. Insurance Svcs DOXA Insurance Holdings Elite Underwriters Encore Fiduciary ISC - Integrated Specialty Coverages Jamison Risk Services Johnson & Johnson Keystroke Underwriters, a Division of SPG, LLC Kinsale Insurance Company Landy Insurance Agency MAXIMUM Norman-Spencer Agency, Inc. PL Risk Advisors, Inc. Professional Insurance Concepts SPG ExecuPro Synergy Professional Associates, Inc. U.S. E&O Brokers, a Division of IGP Specialty Vanguard Specialty, LLC Victor Insurance Managers LLC

States

AL CA CO FL GA KS LA MO NC NJ OH PA SC TN TX All States All States except HI All States Most States All States All States All States CA FL CT NY All States All States All States except AK & NV All States All States except HI All States + DC, Puerto Rico, Virgin Islands All States except AK & LA All States All States All States All States All States All States All States All States All States

Philadelphia Insurance Companies All States except LA (includes Integrated Technology) PLIS Inc. - Underwriting Facilities PL Risk Advisors, Inc. Prime Insurance Company ProWriters Quirk & Company Roush Insurance Services, Inc. RPS Executive Lines RPS Technology & Cyber RT Specialty Shelly, Middlebrooks & O’Leary, Inc. SPG Wholesale Synergy Professional Associates, Inc. The Hanover Insurance Group USASIA Insurance Services Veracity Insurance Solutions, LLC VGM Insurance Services Woodlands Insurance Services, LLC XPT Specialty

All States All States All States All States LA NM OK OR TX WA IA IL IN MN ND OH SD WI All States All States All States AL FL GA MS NC SC TX Nationwide All States Most States AZ CA All States All States Most States All States

38 | INSURANCE JOURNAL | SEPTEMBER 21, 2026

INSURANCEJOURNAL.COM

Professional Liability Directory - Alphabetical Directory of Markets 360 Coverage Pros

8430 Enterprise Cir, Ste. 200, Lakewood Ranch, FL 34202 Phone: 877-524-0265 Email: info@360coveragepros.com Website: www.360CoveragePros.com

Access E&S Insurance Services

2001 N. Lincoln St., Arlington, VA 22207 Phone: 703-248-2566 ; Fax: 703-248-2565 Email: tim@access-es.com Website: www.access-es.com

Access One80

1773 S. 8th St., Ste. 200, Colorado Springs, CO 80905 Phone: 855-900-2960 ; Fax: 719-623-4699 Email: submissions@bigfootbinds.com Website: accessone80.com

Admiral Insurance Group

1000 Howard Blvd., Mount Laurel, NJ 08054 Phone: 856-429-9200 Email: MHowey@admiralins.com Website: www.admiralins.com

Affinity Healthcare

1100 Virginia Dr., Ste. 250, Fort Washington, PA 19034 Phone: 703-608-6554 Email: Christie.Susko@aon.com Website: www.aon.com/affinity

Alliant Insurance Services

18100 Von Karman Ave., 10th Fl, Irvine, CA 92612 Phone: 949-756-0271 Email: marcomm@alliant.com Website: www.alliant.com

Allsouth Professional Liability

9800 4th Street N, Ste. 400, St. Petersburg, FL 33702 Phone: 800-913-9260 ; Fax: 813-282-0994 Email: info@allsouth.net Website: www.allsouth.net

Amwins - 150+ Offices Nationwide

Baker Insurance and Bonds, LLC

See Website for Locations Headquarters - Charlotte, NC 28210 Phone: 704-749-2700 Email: marketing@amwins.com Website: www.amwins.com

Las Vegas, NV Phone: 702-906-0888 Email: help@yesbaker.com Website: www.yesbaker.com

Aon Affinity

PO Box 2550, Huntington, NY 11750 Phone: 512-923-6278 Email: cjacobs@balanceuw.com Website: www.balanceuw.com

Balance Partners

200 E. Randolph St., Chicago, IL, 60601 Phone: 406-309-3050 Email: matt.terrio@aon.com Website: www.aonprograms.com

Berkley Select | a Berkley Company

Apex Insurance

404 E. Ramsey, Ste. 114, San Antonio, TX, 78216 Phone: 210-812-5658 ; Fax: 210-340-8986 Email: hughes@apexinsurance.com Website: www.apexinsurance.com

Apogee Insurance Group, a Berkshire Hathaway Company 1170 Devon Park Dr., Wayne, PA, 19087 Phone: 877-337-3200 ; Fax: 610-337-2337 Email: info@apogeeinsgroup.com Website: www.apogeeinsgroup.com

550 W. Jackson Blvd., Ste. 500, Chicago, IL 60661 Phone: 312-800-6200 ; Fax: 312-207-1839 Email: info@berkleyselect.com Website: www.berkleyselect.com

Boston Insurance Brokerage, LLC

28 State St., Ste. 2202, Boston, MA 02109 Phone: 617-556-7000 Email: cfell@bib-llc.com Website: www.bib-llc.com

Boz Insurance Services, Inc.

ARMR.Network - Better Insurance By Design CA dba: Dybdahl & Associates Ins. Agency

32133 Lindero Cyn Rd., Ste. 200, Westlake Village, CA 91361 Phone: 805-472-4869 Email: quinton@bozinsurance.com Website: www.bozinsurance.com

Ascendant Insurance Solutions

5750 Major Blvd., Ste. 200, Orlando, FL 32819 Phone: 888-335-6616 ; Fax: 888-335-6615 Email: dhill@braishfield.com Website: www.braishfield.com

525 Junction Rd., Ste. 8200, Madison, WI 53717 Phone: 608-836-9590 ; Fax: 608-836-9565 Email: Marketing@armr.net Website: www.armr.net

2199 Ponce de Leon Blvd., Ste. 500, Coral Gables, FL 33134 Phone: 305-820-4360 Email: marketing@ascendantgroup.com Website: www.ascendantgroup.com

Braishfield Associates, Inc.

Ashley General Agency

2040 N. Loop 336 W, Ste. 200, Conroe, TX 77304 Phone: 936-441-5959 ; Fax: 936-521-5922 Email: hnelson@ashleyga.com Website: www.ashleyga.com

Aura Risk Management & Insurance Services 944 Calle Amanecer, Ste. E, San Clemente, CA 92673 Phone: 949-749-8119 Email: submissions@aurarisk.com Website: www.aurarisk.com

Axis Insurance Services, LLC

American Guardian Insurance 4115 Madonna Circle, Lake Elsinore, CA 92530 Phone: 951-463-3061 Email: info@amguardinsurance.com Website: www.amguardinsurance.com

AMIS/Alliance Marketing & Insurance Services PO Box 567, San Marcos, CA 92079 Phone: 760-471-7116 ; Fax: 760-471-9378 Email: snowell@amiscorp.com Website: www.amisinsurance.com

AMS Professional Liability

9800 4th St. N, Ste. 400, St. Petersburg, FL 33702 Phone: 727-384-1036 ; Tollfree: 800-542-2805 Email: info@amsproliability.com Website: www.agencymarketing.com

INSURANCEJOURNAL.COM

795 Franklin Ave., Ste. 206, Franklin Lakes, NJ 07417 Phone: 201-847-9175 ; Fax: 201-847-9174 Email: info@axisins.com Website: www.axisins.com

Axon Underwriting Services, LLC

60 Washington St., Ste.105G, Morristown, NJ 07960 Phone: 908-947-0867 Email: dgmelin@axonu.com Website: axonu.com

Bailey Special Risks, Inc.

105 Bluegrass Commons, Ste. C, Hendersonville, TN 37075 Phone: 615-264-3977 ; Fax: 615-264-3980 Email: questions@bsrins.com Website: questions@bsrins.com

Brooks Insurance Agency

6320 Canoga Ave., 12th Fl, Woodland Hills, CA 91367 Phone: 818-449-9062 Email: mmccluskey@brooks-ins.com Website: www.brooks-ins.com

Professional Liability coverage from Brooks helps businesses focus on growth, not what could go wrong. As a trusted independent wholesaler, we ensure your submissions get priority attention and personalized service. Contact Michael McCluskey at 818-449-9062 or mmcluskey@brooks-ins.com to strengthen coverage for your clients.

Brown & Riding

15169 N. Scottsdale Rd., Ste. 205, Scottsdale, AZ 85254 Phone: 312-399-9614 Email: mgervin@brcins.com Website: www.brownandriding.com

Brownyard Group

21 Maple Ave., Bay Shore, NY 11706 Phone: 800-645-5820 ; Fax: 631-666-5723 Email: info@brownyard.com Website: www.brownyard.com

SEPTEMBER 22, 2025 INSURANCE JOURNAL | NATIONAL | 39

Professional Liability Directory - Alphabetical Directory of Markets CFC

85 Gracechurch St., London EC3V 0AA UK Phone: 207-220-8500 Email: inbox@cfc.com Website: www.cfc.com

FTP Inc.

Chubb

Donald Gaddis Co., Inc. Insurance Svcs

202B Hall’s Mill Rd., Whitehouse Station, NJ 08889 Phone: 908-572-4392 Email: rcushing@chubb.com Website: www.chubb.com/us/professionalliability

104 S. Michigan Ave., Ste 1025, Chicago, IL 60603 Phone: 888-853-0071 ; Fax: 312-853-1033 Email: cgaddis@gaddiscompany.com Website: www.gaddiscompany.com

CID Insurance Programs, Inc.

DOXA Insurance Holdings

7125 El Cajon Blvd., Ste. 3, San Diego, CA 92115 Phone: 800-922-7283 ; Fax: 619-593-2008 Email: info@cidinsurance.com Website: www.cidinsurance.com

CITA Insurance Services, a Div. of Brown & Brown Program Ins. Svcs 681 S. Parker St., Ste. 300, Orange, CA 92868

101 E. Washington Blvd., 10th Fl, Fort Wayne, IN 46802

Phone: 414-305-2104 Email: Steve.Elliot@DOXA.com Website: DOXA.com

Eaton Professional Insurance Services

Phone: 800-280-7250 Email: trobles@citainsurance.com Website: www.citainsurance.com

17602 17th St., Ste. 102-120, Tustin, CA 92780 Phone: 714-832-8649 Email: c.eaton@episi.net Website: www.episi.net

Ck Specialty Insurance Associates

See Website for Locations, HQ - San Jose, CA 95118

Elite Specialty & Wholesale Insurance Services

Phone: 800-411-0083 ; Fax: 408-227-7732 Email: justin@ckspecialty.com Website: www.ckspecialty.com

27422 Portola Pkwy, Ste. 200, Foothill Ranch, CA 92610 Phone: 949-550-6027 Email: lhutchinson@elitespecialtywholesale.com Website: www.elitespecialtywholesale.com

Cochrane and Company

Elite Underwriters

1405 S. Rustle St., Spokane, WA 99224 Phone: 509-838-0655 ; Fax: 509-838-1710 Email: marketing@cochraneco.com Website: www.cochraneco.com

Commonwealth Underwriters, a Division of Specialty Program Group, LLC 2112 W. Laburnum Ave., Richmond, VA 23227 Phone: 800-396-6226 Email: info@commund.com Website: www.commund.com

One Alhambra Plaza, Floor PH, Coral Gables, FL 33134 Phone: 305-203-1026 ; Fax: 786-522-9046 Email: imoreno@eliteunderwriters.com Website: www.eliteunderwriters.com

111 Pine St., Ste. 1530, San Francisco, CA 94111 Phone: 415-433-7700 ; Fax: 415-433-7707 Email: keltie@cmiprorisk.com Website: www.cmiprorisk.com

Costanza Insurance Agency, Inc.

3010 LBJ Freeway, Ste. 925, Dallas, TX 75243 Phone: 800-346-0942 ; Fax: 972-991-2139 Email: b.costanza@cia-tx.com Website: www.costanzainsurance.com

CRES A Gallagher Company

POB 4142, Clinton, IA 52733 Phone: 858-618-1648 ; Fax: 858-618-1655 Email: GGB.LV2.CRES.CustSvc@ajg.com Website: www.cresinsurance.com

40 | INSURANCE JOURNAL | SEPTEMBER 21, 2026

Gateway Specialty Insurance

1170 Devon Park Dr., Wayne, PA 19087 Phone: 877-977-4474 Email: info@gatewayspecialty.com Website: www.gatewayspecialty.com

Gateway Underwriters Agency

2458 Old Dursett Rd., Maryland Heights, MD 63043 Phone: 314-238-0070 ; Fax: 314-238-0065

Email: bill.martin@gua-stl.com Website: www.gua-stl.com GIC Underwriters, Inc.

5000 SW 75th Ave., Ste. 300B, Miami, FL 33155 Phone: 305-554-0353 ; Fax: 305-662-3914 Email: jcdp@gicunderwriters.com Website: www.gicunderwriters.com

Gorst & Compass Insurance

9310 Topanga Canyon Blvd., Chatsworth, CA 91311 Phone: 818-507-0900 ; Fax: 818-507-1133 Email: mail@gorstcompass.com Website: www.gorstcompass.com

Grayhawk General Agency, Inc. PO Box 2505, Gilbert, AZ 85299 Phone: 480-245-5991 Email: dan@ggagency.com Website: www.ggagency.com

Encore Fiduciary

Great American Insurance Group Executive Liability Division

1065 6th Ave., 4th Fl, New York, NY 10018 Phone: 571-730-4810 ; Fax: 571-730-4813 Email: jobrien@encorefiduciary.com Website: www.encorefiduciary.com

1450 American Lane, 8th Fl, Schaumburg, IL 60173 Phone: 847-330-6750 Email: ELD@gaig.com Website: www.GreatAmericanELD.com

ERGO NEXT Insurance

Greenhill Insurance Services

Executive Insurance Professionals, PLLC

Hedge Specialty

975 S. California Ave., Palo Alto, CA 94304 Phone: 855-222-5919 Email: agents@nextinsurance.com Website: nextinsurance.com

Cooper & McCloskey, Inc.

131 White Oak Lane, Old Bridge, NJ 08857 Phone: 732-679-3700 ; Fax: 732-679-6928 Email: hdiamandis@ftpins.com Website: www.ftpins.com

6031 W. Interstate 20, Ste. 249, Arlington, TX 76017 Phone: 800-779-4095 ; Fax: 866-779-4331 Email: cheryl@execins.com Website: www.execins.com

First Choice Insurance Intermediaries, Inc.

814 A1A North, Ste. 206, Ponte Vedra Beach, FL 32082 Phone: 866-821-9572 ; Fax: 904-543-4501 Email: info@firstchoiceii.com Website: www.firstchoiceii.com

First Connect Insurance Services

540 Cowper St., Ste. 200, Palo Alto, CA 94301 Phone: 877-287-6055 Email: sales@firstconnectinsurance.com Website: www.firstconnectinsurance.com

Freberg Environmental, Inc.

1800 Wazee St., Ste. 300, Denver, CO 80202 Phone: 303-534-1171 Email: info@feiinsurance.com Website: www.feiinsurance.com

4801 Woodway Dr., Ste. 235W, Houston, TX 77056 Phone: 832-413-4600 Email: ghsubmission@grnhll.com Website: www.grnhll.com 2261 Market St., Ste. 18450, San Francisco, CA 94114 Phone: 650-761-7731 Email: submissions@hedgespecialty.com Website: hedgespecialty.com

Hill Program Managers, LLC

6130 Greenwood Plaza Blvd., Ste. 110 Greenwood Village, CO 80111 Phone: 303-481-6684 Email: Mhill@hillprograms.com Website: www.hillprograms.com

Hudson Insurance Group / HudsonPro® 100 William St., 5th Fl, New York, NY 10038 Phone: 212-978-2800 Email: MSutton@HudsonInsGroup.com Website: www.hudsoninsgroup.com

IAT Insurance Group

4200 Six Forks Rd., Raleigh, NC 27609 Phone: 919-833-1600 Email: info@iatinsurance.com Website: www.iat.com

INSURANCEJOURNAL.COM

Professional Liability Directory - Alphabetical Directory of Markets Innovation Growth Partners Specialty, LLC (IGP Specialty)

3805 W. Chester Pike, Ste. 200, Newtown Square, PA 19073 Phone: 610-537-1347 Email: alan.griesemer@usi.com Website: igpspecialty.com

Insurance Agents & Brokers Service Group, Inc. 650 Wilson Lane, Ste. 200, Mechanicsburg, PA 17055 Phone: 800-998-9644 Ext. 209 ; Fax: 717-795-8347 Email: iab@iabforme.com Website: www.iabforme.com

IPA Risk Management, LLC

340 W. Passaic St., Rochelle Park, NJ 07662 Phone: 201-797-1084 ; Fax: 201-797-1076 Email: g.heitmann@ipariskmanagement.com Website: www.ipariskmanagement.com

Jamison Risk Services

20 Commerce Dr., Cranford, NJ 07016 Phone: 973-669-2311 ; Fax: 973-731-3035 Email: Charles.Caruso@AssuredPartners.com Website: www.jamisongroup.com

Jencap - Locations Nationwide

See website for all locations. HQ New York, NY 10018 Phone: 800-892-8892 Email: info@jencapgroup.com Website: www.jencapgroup.com

Jencap Specialty Insurance Services (Environmental)

2400 E. Katella Ave., Ste. 800, Anaheim, CA 92806 Phone: 949-390-4725 Email: nancy.huynh@jencapgroup.com Website: jencapgroup.com/environmental

Irwin Siegel Agency

25 Lake Louise Marie Rd., Rock Hill, NY 12775 Phone: 800-622-8272 ; Fax: 845-796-3661 Email: siegel@siegelagency.com Website: www.siegelagency.com

J.E. Brown & Associates

303 Lennon Lane, Walnut Creek, CA 94598 Phone: 800-955-8213 ; Fax: 925-947-3978 Email: marketing@jebrown.net Website: www.jebrown.net

James Klein Insurance Service, Inc.

200 E. Sandpointe Ave., Ste. 510, Santa Ana, CA 92637 Phone: 714-918-0914 Ext. 115 ; Fax: 714-918-0921 Email: pdavis@jameskleininsurance.com

Leading national program manager for Real Estate Agents & Brokers, Appraisers and Accountants Professional Liability insurance programs with coverage provided by an A+ -rated carrier. We now offer admitted and affordable Cyber & Crime coverage options with broad coverage features. With new, lower premiums and expanded coverage in many programs, same great service.

655 N. Franklin St., Ste. 1900, Tampa, FL 33602 Phone: 800-336-5529 ; Fax: 813-223-9547 Email: lpp@bbprograms.com Website: www.lppinsurance.com PO Box 899, Charleston, SC 29402 Phone: 800-487-7565 Email: marketing@jjins.com Website: www.jjins.com

1811 Aston Ave., Ste. 200, Carlsbad, CA 92008 Phone: 908-723-8559 Email: contact@iscmga.com Website: www.iscmga.com

100 River Ridge Dr., Ste. 301, Norwood, MA 02062 Phone: 800-336-5422 ; Fax: 800-344-5422 Email: karend@landy.com Website: www.landy.com

Lawyer’s Protector Plan

Johnson & Johnson

ISC - Integrated Specialty Coverages

Landy Insurance Agency

Magnolia LTC

716 College Ave., Ste. B, Santa Rosa, CA 95404 Phone: 707-571-7430 Email: sottenbrite@magnolialtc.com Website: www.magnolialtc.com

Johnson & Johnson is a Managing General Agency offering P&C products in all 48 contiguous states. Home office: Charleston, SC (branches AL, AZ, FL, GA, IL, KY, LA, MA, MN, NC, OH, OR).

Markel

Jimcor Agencies

Maverick Commercial Insurance Services

60 Craig Rd., Montvale, NJ 07645 Phone: 201-573-8200 ; Fax: 201-573-8820 Email: jschneider@jimcor.com Website: www.jimcor.com

4600 Cox Rd., Glen Allen, VA 23060 Toll-free: 800-431-1270 ; Direct: 804-527-7925

Email: customerservice2@markel.com Website: www.markel.com

1000 Town Center Dr., Ste. 300, Oxnard, CA 93036 Phone: 213-840-8405 Email: mariogomez@maverickinsure.com Website: www.maverickinsure.com

Joseph Krar & Associates, Inc.

PO Box 580, Southington, CT 06489 Phone: 860-628-3967 ; Fax: 860-628-3969 Email: emailrec@jkrar.com Website: www.jkrar.com

Kevin Dahlke Insurance Brokerage, Inc.

INSURANCE James River Insurance Company 6641 W. Broad St., Ste. 300, Richmond, VA 23230 Phone: 804-289-2700 ; Fax: 804-289-2703 Email: info@jamesriverins.com Website: www.jamesriverins.com

James River underwrites a wide variety of specialty P&C and Professional risks on an E&S basis in all states. PL teams include Medical PL, Allied Healthcare, and non-Medical PL. Visit jamesriverins.com to find a JRIC-authorized wholesale broker!

INSURANCEJOURNAL.COM

15396 Broad Oaks Rd., El Cajon, CA 92021 Phone: 619-287-8613 ; Fax: 619-287-8921 Email: support@kdibinc.com Website: www.dahlkeinsurance.com

Keystroke Underwriters, a Division of SPG, LLC 1000 Parkwood Cir, Ste. 925, Atlanta, GA 30339 Phone: 770-618-2840 ; Fax: 404-446-1501 Email: submissions@keystrokeins.com Website: www.keystrokeins.com

Kinsale Insurance Company

2035 Maywill St., Ste. 100, Richmond, VA 23230 Phone: 804-289-1300 ; Fax: 804-673-5697 Email: marketing@kinsaleins.com Website: www.kinsaleins.com

MAXIMUM

222 S. Riverside Plaza, Ste. 2340, Chicago, IL 60606 Phone: 312-466-4877 Email: pato@maxib.com Website: www.maxib.com

McGowan, Donnelly & Oberheu, LLC (MDO) 2700 Via Fortuna, Ste. 145, Austin, TX 78746 Phone: 512-600-2280 Ext. 5304 Email: kcantwell@mdoinsurance.com Website: www.mdoinsurance.com

National Association of Professional Agents (NAPA)

8430 Enterprise Cir, Ste. 200, Lakewood Ranch, FL 34202 Phone: 800-593-7657 ; Fax: 800-411-4771 Email: info@napa-benefits.org Website: www.napa-benefits.org

SSEPTEMBER 21, 2026 | INSURANCE JOURNAL | 41

Professional Liability Directory - Alphabetical Directory of Markets PLIS Inc. - Underwriting Facilities

Protexure

Phone: 862-286-3550 ; Fax: 866-865-5655 Email: info@jjnegley.com Website: www.jjnegley.com

5802 Thunderbird, Bldg 10, Ste. 100, Lago Vista, TX 78645 Phone: 800-761-7547 ; Fax: 512-327-5834 Email: underwriting@plisinc.com Website: www.plisinc.com

NeitClem Wholesale Insurance Brokerage

PL Risk Advisors, Inc.

ProWriters

Negley Associates

389 Interpace Pkwy, 4th Fl, Parsippany, NJ 07054

7442 N Figueroa St., Los Angeles, CA 90041 Phone: 323-258-2600 ; Fax: 323-258-2676 Email: jcenteno@neitclem.com Website: www.neitclem.com

New Age Underwriters Agency, Inc.

1 Old Country Rd., Ste. 421, Carle Place, NY 11514 Phone: 516-488-2500 ; Fax: 516-488-2508 Email: m.ascher@newageins.com Website: www.newageins.com

New England Excess Exchange

57 Parker Rd., Barre, VT 05641 Phone: 800-548-4301 ; Fax: 800-347-4935 Email: marketing@neee.com Website: www.neee.com

Norman-Spencer Agency, Inc.

8075 Washington Village Dr., Dayton, OH 45458 Phone: 800-543-3248 ; Fax: 937-432-1635 Email: davidgeorge@norman-spencer.com Website: www.norman-spencer.com

Norman-Spencer International, Inc.

150 E. 22nd St., Lombard, IL 60148 Phone: 800-842-3653 ; Fax: 630-705-1056 Email: gretchen@normanspencer.com Website: www.normanspencer.com

Novatae Risk Group

12700 Park Central Dr., Ste. 510, Dallas, TX 75251 Phone: 888-810-2770 Email: info@novatae.com Website: www.novatae.com

Number One Insurance Agency

91 Cedar St., Milford, MA 01757 Phone: 508-634-2900 ; Fax: 508-634-2930 Email: mstangelo@massagent.com Website: www.massagent.com

Osprey Underwriters

777 W. Putnam Ave., Greenwich, CT 06830 Phone: 203-489-3400 Email: quotes@ospreyuw.com Website: www.ospreyuw.com

795 Franklin Ave., Ste. 210, Franklin Lakes, NJ 07417 Phone: 201-847-9175 ; Fax: 201-847-9174 Email: msmith@plrisk.com Website: www.plrisk.com

Prime Insurance Company

1 S. Dearborn, Ste. 800, Chicago IL 60603 Phone: 800-257-5590 ; Fax: 877-452-6910 Email: RJL@primeis.com Website: www.primeis.com

Pro-Praxis Insurance (division of CRC) 32 Old Slip, 4th Fl, New York, NY 10005 Phone: 212-401-1561 Email: hplsubmissions@propraxisins.com Website: www.propraxisins.com

Professional Governmental Underwriters

4870 Sadler Rd., Ste. 102, Glen Allen, VA 23060 Phone: 800-586-6502 ; Fax: 804-272-7852 Email: glester@pgui.com Website: www.pgui.com

Professional Insurance Concepts

389 Interpace Pkwy, 4th Fl, Parsippany, NJ 07054 Phone: 862-286-3470 ; Fax: 973-263-0747 Email: DGriffin@ProInsConcepts.com Website: www.ProInsConcepts.com

Professional Liability Brokers & Consultants, Inc.

175 E. Hawthorn Pkwy, Ste. 310, Vernon Hills, IL 60061 Phone: 847-816-4480 ; Fax: 847-816-4484 Email: erv@plbc.com Website: www.plbc.com

Professional Program Ins. Brokerage, a Div of SPG Ins. Solutions 1304 Southpoint Blvd., Ste. 101, Petaluma, CA 94954 Phone: 415-475-4300 ; Fax: 415-475-4303 Email: info@ppibcorp.com Website: www.ppibcorp.com

Professional Underwriters Agency (PUA)

2803 Butterfield Rd., Ste. 260, Oak Brook, IL 60523 Phone: 630-861-2330 Email: sandip@puainc.com Website: novacore.com/pua/

ProLawyer from C&R Insurance Services LLC

Philadelphia Insurance Companies One Bala Plaza, Ste. 100, Bala Cynwyd, PA 19004 Phone: 800-873-4552 ; Fax: 610-617-7940 Email: phlysales@phlyins.com Website: www.phly.com

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.

42 | INSURANCE JOURNAL | SEPTEMBER 21, 2026

987 Old Eagle School Rd., Ste. 715, Wayne, PA 19087 Phone: 215-525-3293 ; Fax: 215-394-7010 Email: info@prolawyer.com Website: www.ProLawyer.com

Promont Insurance Advisors

123 N. Wacker Dr., Ste. 890, Chicago, IL 60601 Phone: 312-262-3300 ; Fax: 312-262-3301 Email: greg.morris@promontadvisors.com Website: www.promontadvisors.com

4200 Commerce Ct., Ste. 102, Lisle, IL 60532 Phone: 630-799-2000 x7026 Email: jwolf@protexure.com Website: www.protexure.com 70 E. Lancaster Ave., Ste. 102 Malvern, PA 19355 Phone: 484-321-2335 ; Fax: 484-321-2339 Email: info@prowritersins.com Website: www.prowritersins.com

Quadrant Insurance Managers

501 W. Schrock Rd., Ste. 301, Westerville, OH 43081 Phone: 614-841-1425 ; Fax: 614-841-1426 Email: productinfo@quadrant-us.com Website: www.quadrant-us.com

Quirk & Company

PO Box 792030, San Antonio, TX 78279 Phone: 800-299-9421 ; Fax: 210-340-4075 Email: lvazquez@quirkco.com Website: www.quirkco.com

R.E. Chaix & Associates, LLC

5 Corporate Park, Ste. 240, Irvine, CA 92606 Phone: 949-722-4177 Email: marketing@rechaixinsurance.com Website: rechaixinsurance.com

River Valley Underwriters, Inc.

10 Shackelford Plaza, Little Rock, AR 72211 Phone: 833-788-7887 Email: aadams@rvuins.com Website: www.rvuins.com

Roush Insurance Services, Inc.

18077 River Rd., Ste. 107, Noblesville, IN 46062 Phone: 800-752-8402 ; Fax: 317-776-6891 Email: info@roushins.com Website: www.roushins.com

RPS Executive Lines

525 W. Van Buren, Ste. 1325, Chicago, IL 60607 Phone: 312-803-6058 Email: executivelines@rpsins.com Website: www.rpsins.com/executivelines

RPS Healthcare

550 W. Van Buren, Ste. 1200, Chicago, IL 60607 Phone: 312-803-6014 ; Fax: 312-922-7563 Email: diane_burrows@rpsins.com Website: www.rpsins.com

RPS Technology & Cyber

204 Cedar St., Cambridge, MD 21613 Phone: 800-336-5659 ; Fax: 410-228-7645 Email: Estelle_Cummings@RPSins.com Website: www.RPSins.com/techcyber

RT Specialty

540 W. Madison St., 9th Fl, Chicago, IL 60661 Phone: 312-651-6000 ; Fax: 312-651-6096 Email: customer.solutions@rtspecialty.com Website: rtspecialty.com

SASSI - Salon & Spa Specialty Insurance 21 Maple Ave., Bay Shore, NY 11706 Phone: 888-823-9380 ; Fax: 631-666-5723 Email: info@brownyard.com Website: www.sassiagency.com

INSURANCEJOURNAL.COM

Professional Liability Directory - Alphabetical Directory of Markets Shelly, Middlebrooks & O’Leary, Inc.

PO Box 2909, Jacksonville, FL 32203-2909 Phone: 904-354-7711 ; Fax: 904-355-7611 Email: dc.oleary@shellyins.com Website: www.shellyins.com

Smart Choice Express Markets

4121 Beechwood Dr., Greensboro, NC 27410 Phone: 336-217-4680 Email: insidesales@smartchoiceagents.com Website: www.expressmarkets.com

Southern Insurance Underwriters, Inc. CMGA 4500 Mansell Rd., Alpharetta, GA 30022 Phone: 678-498-4500 Email: marketing@siuins.com Website: www.siuins.com

SPG Energy

6575 West Loop South, Ste. 470, Bellaire, TX 77401 Phone: 713-589-2244 Email: keith.ross@specialtyprogramgroup.com Website: www.specialtyprogramgroup.com

SPG Environmental

425 Locust Ave., 4th Fl, Charlottesville, VA 22902 Phone: 800-596-2156 ; Fax: 434-979-8964 Email: environmental@specialtyprogramgroup.com Website: specialtyprogramgroup.com/wholesale/ environmental/

SPG ExecuPro

1000 Parkwood Cir, Ste. 925, Atlanta, GA 30339

Phone: 770-618-1011 ; Fax: 770-956-9779 Email: ASedliak@csrisks.com Website: www.csrisks.com SPG Wholesale

2550 N. Hollywood Way, Ste. 501, Burbank, CA 91505 Phone: 818-249-0100 ; Fax: 818-249-1166 Email: clara.cocco@specialtyprogramgroup.com Website: specialtyprogramgroup.com/wholesale/

STRAVA Specialty

34522 N. Scottsdale Rd., Scottsdale, AZ 85266 Phone: 646-648-0011 Email: submissions@stravains.com Website: www.stravains.com

Sun Coast General Insurance Agency

PO Box 30750, Laguna Hills, CA 92654-0750 Phone: 949-768-1132 ; Fax: 949-768-0625 Email: KChamberlain@SunCoastInsurance.com Website: www.suncoastinsurance.com

SWBC

PO Box 791028, San Antonio, TX 78279 Phone: 210-525-1242 ; Fax: 210-525-0054 Email: jlarson@swbc.com Website: www.swbc.com

Synergy Professional Associates, Inc.

100 Passaic Ave., Ste. 145, Fairfield, NJ 07004 Phone: 973-995-0500 ; Fax: 973-995-0501 Email: michelem@synergy-ins.com Website: www.synergy-ins.com

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Target Professional Programs

1230 E. Diehl Rd., Ste. 350, Naperville, IL 60563 Phone: 331-333-8239 Email: SReidy@TargetProIns.com Website: www.TargetProIns.com

TDC Specialty Underwriters

29 Mill Street, Unionville, CT 06085 Phone: 888-277-3152 ; Fax: 855-667-4280 Email: submissions@tdcspecialty.com Website: www.tdcspecialty.com

The Hanover Insurance Group

440 Lincoln St., Worcester, MA 01653 Phone: 508-855-1000 Website: www.hanover.com

The Mechanic Group, A Division of Specialty Program Group, LLC One Blue Hill Plaza, Ste. 530, Pearl River, NY 10965 Phone: 845-735-0700 ; Fax: 845-735-8383 Email: mkatz@mechanicgroup.com Website: www.mechanicgroup.com

U.S. E&O Brokers, a Division of Innovation Growth Partners Specialty, LLC

2050 W. Sam Houston Pkwy, S., Ste. 1500, Houston, TX 77055

Phone: 800-460-6424 Email: programs@igpspecialty.com Website: igpspecialty.com/programs/insurance-agents/

VGM Insurance Services

1111 Van Miller Way, Waterloo, IA 50701 Phone: 800-362-3363 Email: info@vgminsurance.com Website: www.vgminsurance.com

Victor Insurance Managers LLC

7700 Wisconsin Ave., Ste. 400, Bethesda, MD 20814 Phone: 301-961-9800 ; Fax: 301-951-5444 Email: info.us@victorinsurance.com Website: www.victorinsurance.com

Wholesure

800 Oak Ridge Turnpike, Ste. A-1000, Oak Ridge, TN 37830 Phone: 888-376-9633 Email: marketing@wholesure.com Website: www.wholesure.com

Wilkoff Bonds

PO Box 9017, Woodbury, NY 11797-9017 Phone: 516-747-0200 ; Fax: 516-747-2021 Email: info@wilkoffbonds.com Website: www.wilkoffbonds.com

Woodlands Insurance Services, LLC PO Box 8369, The Woodlands, TX 77387 Phone: 281-367-5010 ; Fax: 281-367-5013 Email: drewk@woodlandsinsurance.com Website: www.woodlandsinsurance.com

United Educators

7700 Wisconsin Ave., Ste. 500, Bethesda, MD 20814 Phone: 301-907-4908 Email: ejones@ue.org Website: www.ue.org

USASIA Insurance Services

319 Union Ave., Pomona, CA 91768 Phone: 909-618-0288 ; Fax: 909-618-0289 Email: shirley@usasia-ins.com Website: www.usasia-ins.com

USG Insurance Services, Inc.

1000 Town Center Way, Ste. 300, Canonsburg, PA 15317 Phone: 844-467-5465 ; Fax: 724-265-5751 Email: getconnected@usgins.com Website: www.usgins.com

XPT Specialty

50 Brewery St., Ste. 8476, New Haven, CT 06530 Phone: 888-977-3255 ; Fax: 972-702-0504 Email: mark.kaufman@xptpartnersllc.com Website: www.xptspecialty.com

Vanguard Specialty, LLC

1120 E. Kennedy Blvd., Ste. 226, Tampa, FL 33602 Phone: 813-999-8090 Email: stephen.vanwert@vanguardspecialty.com Website: www.vanguardspecialty.com

Veracity Insurance Solutions, LLC

260 S. 2500 W, Ste. 303, Pleasant Grove, UT 84062 Phone: 801-763-1375 ; Fax: 801-763-1374 Email: cam@veracityins.com veracityinsurance.com/professional-liability-insurance

Verve Risk Services Limited

Dawson House, 5 Jewry Street, London EC3N 2EX Phone: +44(0)7929 187107 Email: scott.simmons@ververisk.com Website: www.ververisk.com

SSEPTEMBER 21, 2026 | INSURANCE JOURNAL | 43

Idea Exchange: Construction

Underwriting & Litigation Lessons Stem from NYC’s Pfizer Building Conversion Mishap

idtown Manhattan, the very heart of New York City, has recently been the center of attention for all the wrong reasons. As one of Gotham’s largest office-to-residential construction By Michael Coffey conversion projects, the former world headquarters of Pfizer Pharmaceuticals was found to be dangerously unstable, shutting down traffic and interrupting business along one of the 44 | INSURANCE JOURNAL | SEPTEMBER 21, 2026

nation’s busiest commercial corridors. The fallout from this event will likely not be limited to a single developer, contractor, or project. Rather, the impact will presumably reverberate throughout the industry responsible for underwriting the risks associated with this major economic activity. Insurers must now absorb and digest the forensic lessons to be learned from this event, and restructure how they treat office-to-residential construction conversion projects going forward. Office-to-residential projects have become a flagship of New York City and other metro areas around the country to

increase much-needed housing supply. New York is a city of skyscrapers, and when stately, historic pre-war buildings fall out of favor, you can’t just scrap them. Instead, you reinvent them for more modern usage—and that means residential conversion. Take the Wall Street area in Lower Manhattan. What was once a daytime hive of financial industry activity has transitioned into a thriving 24/7 neighborhood. Once gracious office towers that were home to major commercial and industrial powerhouses are now home to over 80,000 people. INSURANCEJOURNAL.COM

Conversions Gaining Momentum

In 2025 alone, roughly five million square feet of New York City office space was converted to residential use, five times (5x) the number in 2022 and the highest such number in two decades. The number of office-to-residential conversions planned for New York City in 2026 is double that of its closest competitor, Washington, D.C. This particular conversion in Midtown Manhattan required complicated structural reinforcement work, as 11 floors were being added to the former office tower’s existing 22 floors. On the morning of July 7, 2026, a member of Steamfitters Local 638 noticed buckling support columns, leading to an evacuation of the building and the surrounding 12 city blocks. Inside, the 21st floor up to the 26th floor—much of the addition on top of the original circa-1960 structure—experienced a partial collapse due to the new weight exerted on them. For 24 hours, emergency construction and engineering crews labored to reinforce and stabilize the structure. A month later, the project remains paused, while parts of busy East 42nd Street, just blocks from Grand Central Terminal and the United Nations headquarters, were shuttered to pedestrians for much of the month of July. That means restaurants and stores could not open for business, nearby office buildings could not be occupied, and neighboring hotels were required to rebook guests into alternative lodgings at the last minute. The fallout has not stopped there. Since this construction project made the wrong type of headlines, the City of New York has issued 18 partial and one complete stop-work order to other office-to-residential conversion projects, after inspectors, on the lookout to spot potential hazards, found safety violations at 19 different worksites across the city. The aftermath of these events, and the growing prevalence of adaptive reuse projects that are far more complex than either new constructions or renovations, must undoubtedly result in greater scruINSURANCEJOURNAL.COM

tiny from insurers, just as it had caused for the city’s engineering and building inspectors. This brings about a serious need for industry to come together to address the unique underwriting, and potential litigation risks inherent in this booming sector of office to residential building conversations.

‘Insurers must now absorb and digest the forensic lessons to be learned from this event, and restructure how they treat office-to-residential construction conversion projects going forward.’ Building Codes

For starters, the building and fire codes for an office building are very different from any residential one, affecting everything from windows, ventilation, and entry and egress. Adding over a dozen floors certainly brings greater complexity to that process. Currently, one of the factors being scrutinized as a potential cause of the building’s instability is what the developer called a “scoop and stack” method of construction, which effectively removes sections of a building’s lower floors and relocates them to the upper levels. Modern building codes require any bedrooms to have at least one window to be habitable. That means interior space at the center of these office buildings, often where office lobbies would be located, requires removal to create lightwells. While this is a common practice to accommodate renovations necessary to add bedrooms to an office building, this can also add risk to already complicated projects in older buildings. Increased scrutiny in the early stages may have led to an alternative method being proposed, or for reinforcements to be added to prevent the buckling. This episode emphasizes the importance of insurance underwriters conducting independent structural engineering reviews before agreeing to

any binding coverage policies. Given the challenges of adaptive reuse projects, it is also advisable to require continuous risk assessments and engineering reviews to ensure that things are progressing smoothly. It is not just the structural integrity of the completed project that matters but the intermediary stages, as well. The Pfizer Building incident, and others like it, also underscores the need to preserve the chain of evidence. Even mundane construction projects in New York City involve a tangled web of contractors, subcontractors, and risk. This project was a massive undertaking, with a $720 million construction loan. Investigations and lawsuits will stem from this project, likely for years to come, and trace every piece of paperwork to find the parties at fault. Furthermore, the destabilization and near collapse of a major Midtown skyscraper forces insurers to re-examine the issue of liability. Multiple city blocks and dozens of businesses were forced to evacuate, incurring significant costs as a result. A nearby restaurant estimated it lost $300,000 due to its temporary closure, and is considering a lawsuit against the project’s lead developer, MetroLoft—and that is just one of over 100 businesses that were negatively impacted by the closures. Construction projects in major metro areas—be that New York City, Boston, Chicago, Dallas, or San Francisco—are already complicated beasts, and adaptive reuse projects even more so. Insurers cannot forget these facts and must increase their due diligence accordingly. For these projects, design and execution are paramount, as a single flaw in either can cause untold damage. Coffey, founding partner of insurance litigation firm Coffey Modica LLP, is a veteran litigator handling major claims and disasters up to $250 million. An ABOTA attorney, Coffey has counseled on major building and scaffold collapses on behalf of property owners and insurers and previously served for six years as fire commissioner of the City of Norwalk, Connecticut. SEPTEMBER 21, 2026 | INSURANCE JOURNAL | 45

Idea Exchange: Small Construction Claim Severity Is Outgrowing Small Trade Contractors

rior to the last decade, it was common practice for insurance agents to suggest limits to insureds based largely on their company’s annual revenue. In today’s litigation and construction environment, however, revenue alone is no longer a By Chris Ciccarelli reliable indicator of potential loss severity. For example, a contractor generating only a few million dollars in annual revenue may believe $5 million in total liability limits is sufficient. Yet, a single catastrophic loss, severe auto accident, or construction defect claim can quickly exceed those limits and threaten the financial viability of the business. Small trade contractors face many of the same risk exposures as their larger industry peers. They work on high-risk job sites, operate commercial vehicles and equipment, and assume similar liability on their projects. But one loss can quickly exceed the size of the business itself, especially as higher construction costs, labor shortages, and increasingly severe claims amplify costs. If revenue is no longer an indicator of potential claims severity, agents and brokers must dig deeper to understand the full scope of an insured’s risks, operations, the type of work they do, and the liability they assume and establish limits that truly address their exposures.

The Precarious Risk Environment

Small trade contractors is a broad term that defines a wide range of businesses such as heating, ventilation, and air conditioning (HVAC) professionals; plumbers; electricians; and more. Each of these businesses faces different exposures based on the type of work they perform. However, there are three clear challenges raising the stakes for small trade contractors today. 46 | INSURANCE JOURNAL | SEPTEMBER 21, 2026

Higher Material & Labor Costs. Contractors often agree to perform work at set amounts, but material and labor availability and costs can fluctuate during a project. Such budget pressures might encourage contractors to substitute materials or settle for less-skilled labor to balance costs and meet tight construction schedules. For small trade contractors looking to take on more jobs, balancing time constraints, budget pressures, and quality of work can be particularly difficult. Auto Exposures. While small trade contractors operate fewer vehicles than their larger counterparts, even one employee driving to and from job sites leaves the business open to auto risk exposure. Bodily injury claims as a result of auto accidents can quickly exceed an entire contractor’s revenue. As the auto sector remains volatile and claims remain severe, contractors cannot overlook fleet risks alongside the work they perform.

‘Electrical, HVAC, plumbing, and other subcontractors could find themselves brought into litigation, left to accrue significant costs to investigate and defend a claim.’ Claim & Litigation Costs. Skyrocketing jury awards in recent years have exacerbated potential claim severity. Investigating and defending a claim has become costly. Construction defect claims, for example, can impact several parties involved in a project to determine who performed the work, when damage began, and how far it spread. Electrical, HVAC, plumbing, and other subcontractors could find themselves brought into litigation, left to accrue significant costs to investigate and defend a claim.

Insuring the Actual Risk Exposure

Agents and brokers looking to serve as resources for their small trade contractor clients must start by looking beyond the general overview of the insured, and work to understand exactly what they do and how they operate. The description of HVAC company, for example, is not enough information to assess risk exposure. An HVAC contractor that works exclusively in single-family homes has different risk exposures to manage than a similarly sized company performing work in commercial buildings. Agents should work to understand where an insured operates, with whom they work, and how they perform work. How are labor and material shortages impacting operations? How are contractors keeping up with tight schedules? INSURANCEJOURNAL.COM

How does the insured vet subcontractors? Does the insured rely only on certificates of insurance, or do they review policies and endorsements? Agents should not be aiming to make their clients appear riskfree. Instead, agents should make sure the insured, agent, and carrier understand the actual risk exposures at play and the coverage in place to combat them. Understanding the contractual obligations insureds are navigating can also help agents ensure their insurance portfolio aligns with their commitments. For example, an insured might agree in a contract to maintain certain excess limits without realizing subcontractors are expected to carry the same. If a contractor does not meet those requirements or appropriately transfer risk, they could be left responsible for any contract gaps. INSURANCEJOURNAL.COM

While insureds cannot control rising costs or how a jury might view a claim, they can make their business more defensible in the event of one. That begins with establishing a culture of safety. Regular safety talks, documented procedures, and visible safety practices can prove that a contractor prioritizes safety throughout an entire operation. These practices do not begin and end on a contractor’s property; they extend to fleets on the road and employees on job sites. Safety talks, particularly around driving techniques, how to manage other drivers in the field, and more, will help ensure that culture of safety spreads across the entire operation. Agents should advise that safety policies, practices, and discussions should be formalized, communicated to all employees, and documented for easily reference

to address employee questions and any potential claims. This way, contractors who are pulled into litigation can prove a documented history of effective safety practices and paint a more accurate picture of how the business operates. Smaller revenue does not necessarily mean fewer risks. Small trade contractors assume significant exposures by the nature of their businesses, the organizations for whom they work, and the vehicles on which they depend to perform their work. Agents and brokers who understand those exposures can help ensure the right policies and limits are in place if a major loss occurs. Ciccarelli is the vice president of Amwins Brokerage New Jersey. He can be reached at chris.ciccarelli@ amwins.com. SEPTEMBER 21, 2026 | INSURANCE JOURNAL | 47

Idea Exchange: The Marketing Connection Maximizing Marketing Value From All Sides

nsurance organizations invest significant effort in major marketing moments. A new program launches, an industry conference approaches, or By Kristen Nevins the company decides to host a webinar or publish a new report. In response, the marketing machine kicks into gear: emails are written, graphics are designed, social posts are scheduled, and everyone works to get the initiative out.

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Then it happens. The campaign launches, the event ends, the webinar wraps up, and the marketing quietly disappears. On to the next thing. Sadly, this “one-and-done” approach is common. In this industry, marketing competes with renewals, submissions, client needs, regulatory changes, and endless other priorities on any given day. To get anyone’s attention, your messaging must be clear and coordinated, with content consistently optimized across all channels and timed for maximum impact. Consider the following tactics to ensure

you’re not leaving potential value from your marketing investment on the table.

Extend the Life of Every Campaign

Consider an insurance organization attending a major industry conference. It may spend months planning. There are registration fees, travel expenses, sponsorships, booth materials, client meetings, promotional emails, social media content, plenty of internal coordination … then the event happens, and everyone flies home. If the marketing strategy ends there, a significant portion of the opportunity goes

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home with them. The conversations that happened at the booth can inspire follow-up content. Questions prospects asked can become articles or webinars. Photos and insights from the conference can fuel social media. New contacts can receive thoughtful follow-up communication. A presentation developed for the event can become an educational email series or downloadable resource. The event itself may last three days; the marketing value can last for months. The same principle applies to nearly every campaign.

two-minute video, and someone else may finally pay attention when the same concept appears in an email three weeks later. To reach your full target audience, your message doesn’t have to change dramatically—but the format does. This is especially valuable in insurance because buying decisions rarely happen quickly. Someone may encounter an organization months (or even years) before there’s an immediate business need. Extending a campaign across multiple channels gives that audience more chances to see, understand, and remember the message.

simple questions: • What else can we create from this? • Where else can this message be useful? • Who hasn’t seen it yet? • What should happen next?

You’re Probably Sitting on More Content Than You Think

‘One strong piece of content can become many things.’

September 21, 2026

Insurance folks often feel pressure to continually come up with something new to say. Fortunately, they usually don’t need to. One strong piece of content can become many things. • A webinar about an emerging coverage issue can become a short article, several social media posts, a FAQ, a series of emails, sales talking points, and a follow-up resource for prospects. • A detailed market update could become a shorter client email, a producer-facing summary, several graphics highlighting individual insights, and talking points for an upcoming meeting. • A frequently asked question from clients or producers might become a blog post, video, email, social media post, and sales resource. This isn’t simply recycling content for the sake of filling a marketing calendar. It’s giving valuable information more opportunities to reach the people who need it. Remember, your audience doesn’t see everything you publish. In fact, most people see only a small percentage of it. If an idea is useful enough to communicate once, there’s a good chance it’s useful enough to communicate more than once.

Different Channels Give Ideas a Longer Shelf Life

People consume information in different ways. One prospect may read a detailed article, another may prefer to watch a INSURANCEJOURNAL.COM

Don’t Make Every Marketing Dollar Start From Zero

Good marketing takes resources. Even a relatively simple campaign may require strategy, writing, design, technology, staff time, data, approvals, and distribution. Events can require substantially more. When every initiative is created from scratch, the organization repeatedly pays the cost of getting from zero to launch. Getting more mileage from existing work changes that equation. Turn an expensive webinar into six additional pieces of content. Leverage a conference investment into a three-month follow-up campaign. Adapt a new market report into sales enablement material. Edit articles to become a series of shorter communications. The goal isn’t to squeeze every last drop out of every marketing asset until everyone is thoroughly tired of it. It’s to stop throwing away perfectly good work after just one use.

Think Beyond the Launch Date

Insurance organizations are accustomed to thinking long-term. Policies renew, relationships develop over years, producer partnerships deepen over time. Reputation is built gradually, and marketing deserves the same perspective. Before beginning the next campaign, insurance professionals should ask a few

Sometimes the smartest marketing idea isn’t another new idea. It’s getting more value from the good ones you’ve already paid for. Nevins is the director of marketing and events at Direct Connection Advertising & Marketing. Visit directconnectionusa.com to learn more.

Oakwood Insurance Company 2908 Poston Avenue Nashville, TN 37203 The above company has made application to the Division of Insurance to amend their Foreign Company License to transact Life, 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.

Advertisers Index Agents Alliance www.agentsalliance.insure 21 Hudson Insurance Company www.hudsoninsgroup.com 7 Ironpeak www.ironpeak.com 12, 13 ISU/ Steadfast www.isusteadfast.com 25 Marsh, Berry & Company, Inc. www.marshberry.com 9 PIA of Texas www.piatx.org SC3 Renaissance Alliance Insurance Services www.renaissanceins.com W2,SC1,S2,E2 SIAA www.siaa.net 2, 3 Smart Choice Agents Program www.smartchoiceagents.com 5 United Risk www.unitedrisk.global 52

SEPTEMBER 21, 2026 | INSURANCE JOURNAL | 49

Closing Quote Subsidized Immigration Enforcement Insurance: What Could Go Wrong?

n August 18 the Immigration and Customs Enforcement (ICE) agency announced a plan to provide subsidized personal liability insurance for state and local police By Jerry Theodorou working with ICE in immigration enforcement. The plan would shield rogue agents from legal expenses they are obligated to pay when they are sued for improper excessive use of force, wrongful arrests, and unlawful search and seizure. The program would also cover legal expenses for officers facing criminal investigations. The program would provide eligible policyholders with $500,000 of liability limit. The premium is government-subsidized by $250 per year. Government-provided or subsidized insurance has a poor track record, as it weakens incentives for risk management. The ICE proposal is a bad idea for this

and more reasons. First, it would stoke moral hazard. Local police may be less restrained from violating immigration laws if they know that insurance will shield them from financial consequences when they are sued. When police do not bear accountability for their actions, the door is opened to violate immigration laws with impunity, as there are no financial consequences to the errant agents. Second, there are already structures for state and local police to cooperate with ICE in immigration raids and detentions. Section 287(g) of the Immigration and Nationality Act allows state and local police to partner with ICE. Third, covering officers who face criminal examinations crosses the line separating civil tort law from criminal law. Insurance is not meant to cover criminal or intentional acts. Policies can be voided if defendants seek to cover their criminal acts with insurance. In addition to the above drawbacks, there are unanswered questions regarding ICE’s proposed program. How

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is underwriting done? Is there data on agents with a history of using unnecessary force? What private insurers will the government work with? Who devised the program? What is the targeted loss ratio? It was also unclear if the policy is a personal liability insurance policy or a professional liability (a/k/a errors and omissions) liability policy. If it is an E&O policy, is there a standard of care for those in the immigration enforcement business? We reached out to ICE for answers to these questions but received no response. Above and beyond the inherent folly of subsidized or free ICE personal liability insurance for immigration enforcers, this proposal was one of several misguided programs so far in 2026 where the federal government would get directly involved in the business of insurance, including a proposal from the Brookings Institution’s Hamilton Project in April suggesting the creation of a federal reinsurance program; the introduction of a minimum loss ratio by the Vanderbilt Policy Accelerator in May; and Leon Levy Economics Institute at Bard College’s assertion in April that the main cause of rising personal insurance premiums is climate change. The ICE/police personal liability insurance program shares the same weaknesses as the above trifecta of proposed intrusions in insurance markets. It

crowds out the private insurance market; it weakens incentives for risk management; and it causes cross-subsidization, where those with the most risk subsidize those with the least risk. It appears that wherever there is a hue and a cry about insurance being unaffordable, the government calls on the usual suspects in academia or consumer advocacy to invent programs for underpriced insurance or reinsurance. And as other government insurance programs have demonstrated—such as flood insurance and crop insurance—the inevitable result of selling government-produced, underpriced (re)insurance is growth in the national debt. The proposed ICE program could backfire in other unintended ways. If it becomes widely known that immigration enforcers carry $500,000 of insurance, enterprising personal injury lawyers could create a new profit center banked by frivolous, unmerited allegations. Liability insurers have always been thought of as “deep pockets.” To the extent the pockets are the government itself, strap yourself into another round of litigation gone wild. Theodorou is a non-resident senior fellow at the R Street Institute. Prior to R Street, Theodorou was a director of insurance research at Conning in Hartford, Connecticut, and for American International Group (AIG) in a variety of global underwriting, operations and strategy roles in the U.S., Europe and the Middle East. INSURANCEJOURNAL.COM

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