Employment Practices Liability Insurance
By France, Larry G
One way to curtail EPLI claims is to prepare and train personnel to better understand the situations that can put your company in jeopardy effacing costly lawsuits. Many EPLI claims are due to lack of written human resources procedures or failure to adhere to the ones that are in place. Ignorance of the type of behavior that is not appropriate also can lead to claims because speech or activities that may have been tolerated in the past are in violation of today’s laws-state and federal. Companies should realize that one individual’s conduct could cost hundreds of thousands of dollars in court. “Employment practices liability insurance is an essential component of a well-constructed insurance portfolio,” says Salvatore Pollaro, senior vice president for management solutions at Zurich. “As the impact of employee litigation grows, corporations are recognizing that even one claim could have catastrophic results to an organization’s bottom line and reputation. Claims of wrongful termination, sexual harassment and discrimination continue to escalate, and even if a claim is ultimately deemed groundless, the damage it may leave on a company’s reputation may be substantial.”
Pollaro continues: “Add to this the fact that numerous state and federal laws and regulations govern nearly every aspect of employment practices, from hiring to employee management and promotion to termination. In this environment, EPLI coverage has become less of a discretionary coverage and more of a necessity. Policies typically cover employee claims alleging wrongful employment acts, wrongful termination or treatment, discrimination against any protected class, harassment and common law violations.
“Adopting best practices and formalized company employment policies may help forestall employee claims,” states Pollaro. “However, employment practices claims are increasingly viewed as risks that jeopardize corporate assets and therefore need to be insured.”
Federal laws that address employment liability include:
* Title VII of the Civil Rights Act of 1964 and the Civil Rights Act of 1991, which amended Title VII to include additional recoveries for the claimant and gave claimants the right to a jury trial
* The Family Medical Leave Act
* The Age Discrimination in Employment Act (ADEA)
* The Americans with Disabilities Act (ADA)
Although the market for EPLI is generally soft, some classes are not easy to find a home for, with certain medical professions at the top of the list.
Kimberly Byrd, executive vice president of Tennant Risk Services Insurance Agency, says, “Health care providers, including physicians’ and dentists’ offices, present a more difficult employment practices liability insurance exposure. Statistically, employment-related claims occur more frequently with health care providers than any other types of business. In addition, health care providers have patient and vendor discrimination and harassment exposures that may be covered within an EPLI policy.”
She goes on to describe certain claim scenarios that are unique to the health care arena. For example, Byrd points out, “A claim could arise from a patient alleging that he was refused dental treatment because he was HIV positive, or there could be a claim involving an allegation that a patient was sexually harassed by her doctor. These exposures are not picked up under the provider’s general liability or medical malpractice policies.”
Byrd says that “EPLI premiums are extremely reasonable even when third-party discrimination is included. A small doctor or dental office can expect to pay under $2,000 for a million dollars of coverage including the optional third-party coverage.”
Although the rates in the EPLI market are mostly level overall, some prime risks are seeing lower rates at renewal. Many suggest, however, that agents should look to use any savings to improve coverage. For example, agents might be able to purchase defense cost coverage outside the overall limit. This could save the client hundreds of thousands of dollars if there is a claim.
Chris Ketcham, vice president at Great American Insurance Group’s Executive Liability Division observes: “The smaller employer segment [fewer than 250 employees] is a promising market for unbundled EPLI coverage. Small employers are unaware that defense costs are often the largest component of the total loss amount paid to settle employment practices litigation. When faced with the escalating costs of defense, small employers recognize that the EPLI coverage offers real protection for both legal fees and claim settlement costs. Our unbundled coverage options, such as ‘defense costs only’ for wage and hour claims, offer affordable solutions for many smaller employers.”
Ketcham says that the market continues to be soft but “we don’t see rates coming down dramatically although there can be decreases on small, clean risks. More often, we are seeing carriers offer policy enhancements or lower retention options to retain existing accounts or to entice purchasers to move away from a competitor.”
Renee Azelby, assistant branch manager at Jimcor Agencies, notes that the soft market in other lines may present an opportunity for agents to offer EPLI to current clients. “Many agents are starting to use EPLI as a cross-selling tool,” she says. “They see their clients saving money on other product classes, and they are now able to re-introduce this much needed coverage which has often been overlooked. With all the wrongful termination lawsuits and media picking on everything, it is on everyone’s mind, and it is an easier sell than it might have been a couple of years ago to the Main Street client, as well as the larger professional firm.” Talking to the client about EPLI “also could save the agent a possible E&O claim later on,” she adds.
“The marketplace is competitive and there are new players trying to enter,” says Azelby. But any professional liability coverage is an area that requires special expertise, she continues, so agents should deal only with companies that “specialize in EPLI and know the coverage inside and out. It is also important to work with a market that has longstanding relationships with the carriers that write this type of business.”
Upcoming Specialty Lines topics are the Security Industry, including Burglar/Fire Alarm/Safety Equipment Companies, Security Guard Services and Detective Agencies in August; Pay-for-Play in September; and Professional Liability for October.
The following have responded to our survey and indicated that they are a market for employment practices liability insurance. Be aware of the states in which the market is available and the target classes for each market.
All Risks, Ltd. and All Risks of CA Insurance Services, LLC
San Francisco office
101 California St., Ste. 3180
San Francisco, CA 94111
Contact: Erik Kamiya, Ext. 108
Phone:(800)451-9680
Fax: (415) 738-5389
E-mail: erik.kamiya@allrisks.com
Web site: www.allrisks.com
Atlanta office
3930 E. Jones Bridge Rd., Ste. 300
Norcross, GA 30092
Contact: C.J. Everidge, Ext. 214
Phone: (866) 484-5235
Fax: (770) 495-3591
E-mail: ceveridge@allrisks.com
Web site: www.allrisks.com
Philadelphia office
455 S. Gulph Rd., Ste. 205
King of Prussia, PA 19406
Contact: Karen Kutger, Ext. 201
Phone: (888) 243-3660
Fax: (610) 832-1508
E-mail: kkutger@allrisks.com
Web site: www.allrisks.com
An MGA/E&S broker that operates in all states with any limits. Will consider all classes with emphasis on high tech/biotech, medical, hospitality, manufacturing, service industry, health care, real estate, lawyers, architects/ engineers, and environmental. Can offer D&O, fiduciary, crime, E&O, and professional. All admitted and nonadmitted carriers are rated Aor better.
Arrowhead General Insurance Agency, Inc.
Public Risk Division
9011 Arboretum Pky., Ste. 280
Richmond, VA 23236
Contact:
Sharon Wright, Ext. 1110;
Gerard Colistra, Ext. 1124;
Joel Hirsch, (202) 625-6170
Phone: (888) 850-9930
Fax: (804) 323-3125
A program manager that operates in AZ, CO, CT, DE, IA, ID, IL, IN, KS, KY, ME, MO, NC, NE, NY, OH, OR, PA, TN, UT, VA, WA and WV with primary limits of $1 million and umbrella of $10 million. Target classes are taxsupported public entities and special service districts with populations of fewer than 50,000. Will not write power generation in excess of 10% of total revenue. Can offer all lines except workers comp. All carriers are A rated.
Atlantic Risk Specialists, Inc.
One International Blvd., Ste. 350
Mahwah, NJ 07495
Contact: Jennifer Dumont
Phone: (201) 258-5640
Fax: (201) 661-7816
E-mail: jdumont@arspecialists.com
Web site: www.arspecialists.com
An E&S broker that operates in all states with limits of $5 million-plus. Will consider all classes including distressed, lawyers, PEOs, franchises, and restaurant (third-party coverage available on most classes). Can offer D&O, fiduciary, and crime. All admitted and nonadmitted carriers are rated A- or better.
Atlantic Specialty Lines of FL dba as Gary Market Surplus Lines Brokerage, Inc.
15950 Bay Vista Dr., Ste. 250
Clearwater, FL 33760
Contact: Seth Johnson
Phone: (877) 545-9100
Fax: (727) 540-9600
E-mail: sethj@atlanticspecial.com
terris@atlanticspecial.com
Web site: www.atlanticspecial.com
An MGA/E&S broker that operates nationwide with limits of up to $5 million. Will consider all classes. Can offer D&O, crime, fiduciary, and professional liability. All carriers are rated A or better. AVRECO Brokerage
550 West Van Buren St., 12th Fl.
Chicago, IL 60607
Contact:
Peter Upjohn (312) 294-5621
Phone: (800) 776-7475
Fax: (312) 922-7563
E-mail: pupjohn@avreco.com
Web site: www.avreco.com
An E&S broker that operates in all states with limits of up to $25 million. Target classes are manufacturers, health care, and law firms. Can offer D&O and professional liability. The A rated or better carriers are AIG, Zurich, Great American, Evanston, Executive Risk, Lloyd’s, Carolina Casualty, Travelers, ACE, and Arch.
BISYS EPLI Program
550 W Van Buren St., Ste. 1500
Chicago, IL 60607
Contact: Doug Tobin
Phone: (866) 879-6565
Fax: (866) 720-5003
E-mail: douglas.tobin@bisys.com
epli@bisys.com
Web site: www.bisyspc.com
An MGA that operates nationwide with limits of $500,000 – $3 million. Will consider most classes with emphasis on contractors, franchise operations, manufacturing/wholesale, medical groups (including nursing homes), law firms, restaurants, and hotels. Will not write casinos, churches, employee leasing or temporary help agencies, government entities, municipalities, social services, PEOs, schools/colleges, TV/media, or entertainment. Can offer full prior acts coverage, optional third-party and punitive damages coverage. Lloyd’s is the A rated carrier.
Blais Excess & Surplus Agency of Texas, Ltd.
Two Memorial City Plaza,
820 Gessner, Ste. 1750
Houston, TX 77024
Contact: Kathy Younger, Scott
Stortzum, Vikki Robinson
Phone:(713)780-7787
Fax: (713) 780-3533
Web site: www.blaisexcess.com
An E&S broker that operates in all states with limits of $100 million. Will consider all classes. Can offer D&O, E&O, cyber liability, and crime. Various carriers are used to place coverage.
Burns & Wilcox Ltd.
220 Kaufman Financial Center
Farmington Hills, MI 48334
Contact: Local office
Phone: (800) 521-1918
Fax: (248) 932-9050
E-mail: info@burnsandwilcox.com
Web site:
http://epli.burnsandwilcox.com
An MGA that operates in all 50 states plus U.S. territories with limits of $10 million/$10 million (higher limits available upon request). Will consider many classes including professional firms, franchises, contractors, associations, and both large and small companies. Can offer packages with other lines such as D&O and GL. All carriers are rated A+ and A++ depending on the class of business and geographic location.
Caitlin-Morgan Insurance Services
11555 N. Meridian St., Ste. 100
Carmel, IN 46032
Contact: Mike Eiteljorge
(317) 575-4440, Ext. 235;
Clint Lanning
(800) 786-6930
Phone:(800)723-7475
Fax: (317) 575-4454
E-mail: michael.eiteljorge@caitlinmorgan.com
clint.lanning@caitlin-morgan.com
Web site: www.caitlin-morgan.com
An MGA/E&S broker that operates in the Midwest, primarily IN, with various limits. Target classes are restaurants/bars, hotels/ motels, vacant properties, PC 9 & 10, excess, and liquor liability. Can offer workers comp, excess liability, and excess property. Various carriers are used to place coverage.
Continental/Marmorstein & Malone
P.O. Box 586
Paramus, NJ 07652
Contact: William H. Malone Jr., Suzan Schweizer
Phone: (800) 932-0849
Fax:(201)261-8922
E-mail: bmalone@ca-group.com
Web site: www.ca-group.com
An E&S broker that operates in CT, DE, NJ, NY and PA with limits of $5 million. Will consider all classes. Can offer D&O and professional liability. Carriers are USLI, Houston Casualty, Evanston, Philadelphia, and Lloyd’s.
Evolution Insurance Brokers
8722 S. Harrison St.
Sandy, UT 84070
Contact: Pre-underwriting staff
Phone: (877) 678-7342
Fax:(801)304-5551
E-mail: info@eibdirect.com
quotes@eibdirect.com
Web site: www.eibdirect.com
An E&S broker that operates in all states with all limits. Will consider all classes. Can offer monoline liquor, assault and battery, and after 3 a.m. closing. Prime is rated B+.
Excel Insurance Service, Inc.
2099 Pennington Rd.
West Trenton, NJ 08628
Contact: Michael A. McGee
Phone: (800) 530-0111
Fax: (609) 538-0661
E-mail: mmcgee@excelins.com
Web site: www.excelins.com
An MGA/E&S broker that operates in DE, NJ, NY and PA with limits of up to $10 million. Will consider most classes. Can offer all professional lines and D&O. Various carriers are used to place coverage.
Gateway Underwriters Agency
1714 Deer Tracks Trail, Ste. 210
St. Louis, MO 63131
Contact: Barb Smeltz, Ext. 114
Phone: (314) 238-0070
Fax: (314) 238-0065
E-mail: barb.smeltz@gua-stl.com
Web site: www.gua-stl.com
An MGA operating in AR, IA, IL, KS, MO and NE with limits of $5 million. Target classes are retail, wholesale, office, manufacturing, as well as home health, lawyers, and auto dealers. USLI, Lloyd’s, Scottsdale, and Houston Casualty are the carriers.
Gray-Stone & Co.
275 E. Hillcrest Dr., Ste. 250
Thousand Oaks, CA 91360
Contact: Christine Beauvais and Underwriting Officers
Phone:(805) 494-4440
Fax: (805) 494-8798
E-mail:
info@gray-stone.com
Web site:
www.gray-stone.com
An E&S broker that operates on an admitted basis in all states except AK, SD and WY and on a surplus lines basis in CA, with limits of $10 million plus. Will consider all classes. Can offer packages, E&O, D&O, fiduciary, liability and workers comp. All carriers are rated A- or better.
Great American Insurance Group, Executive Liability Division
1515 Woodfield Rd., Ste. 500
Schaumburg, IL 60173
Contact:
Chris Ketcham (847) 330-6779; Michelle Smith (847) 330-6843
Phone: (847) 330-6750
Fax: (847) 330-6890
E-mail: cketcham@gaic.com
mlsmith@gaic.com
Web site: www.greatamericaneld.com
An insurer that operates on an admitted basis in 43 states plus DC (admitted coverage not available in AK, LA, NY, VA, WA and WY; and no coverage available in CA) with limits of $100,000 – $10 million. Target classes are manufacturers and service companies, employers with up to 1,000 employees (accounts with fewer than 150 employees are targeted). Will not write government entities, staffing firms, law firms, or schools. Can offer third-party liability; defense costs with $100 sub-limit for wage and hour claims; and defense outside the limit option for employers with fewer than 300 employees. Great American is rated A.
Gresham & Associates
One Gresham Landing
Stockbridge, GA 30281
Contact: Art Hays (888) 473-7444; Jenny Driskell (888) 473-7443; Lynette Gibbs (888) 473-7445
Phone: (800) 241-5677
Fax: (770) 389-6857
E-mail:
ahays@greshaminc.com
Web site:
www.gresham-inc.com
An E&S broker that operates in all states with unlimited limits. Will consider all classes. Can offer D&O, E&O, CGL and umbrella. All carriers are rated A or better.
H & W Insurance Services, Inc.
P.O. Box 1085
Shawnee Mission, KS 66222
Contact: Bernard R. Geis
Phone: (800) 616-9475
Fax: (913) 432-1706
Web site: www.hwunderwriters.com
An MGA/broker that operates in all states except AK and HI with limits of up to $10 million. Target classes are retail and manufacturing. Can offer D&O. All carriers are rated A- or better.
H.R. Keller & Co., Inc.
1520 Sheridan Dr.
Buffalo, NY 14217
Contact: Alan Hall, Ext. 264
Phone: (800) 424-2202
Fax: (716) 874-4920
E-mail: ahall@kellerandco.com
Web site: www.kellerco.com
An E&S broker/wholesaler that operates in NY and PA with limits of $5 million. Will consider most classes with a special program for restaurants, law firms, accounting firms, architects/ engineers, hospitality, and lodging. Can offer management liability. Carriers are A rated or better.
Harry W. Gorst
9310 Topanga Canyon Blvd.
Chatsworth, CA 91311
Contact: Shantall Lima, Ext. 154
Phone: (800) 437-6616
Fax: (818) 507-1133
E-mail: slima@gorst.com
Web site: www.gorst.com
An MGA that operates in CA only with limits of $250,000, $500,000 and $1 million. Target classes are retail insurance agents, hotels, and restaurants. Can offer defense outside limit, and vicarious liability for international accounts. Coverage is written through Premier Professional Liability and Shand Morahan.
Hull & Company, Inc.
2150 S. Andrews Ave.
Ft. Lauderdale, FL 33316
Contact: Cynthia Zimmerman, Ext. 234
Phone: (800) 678-4855
Fax: (954) 524-0479
E-mail: czimmerman@hullco.com
Web site: www.hullco.com
An E&S broker that operates in all states with limits of up to $5 million. Will consider all classes except government entities, law firms, and staffing firms. Can offer stand-alone or with D&O. All carriers are A rated.
Insurance Innovators Group
P.O. Box 969
Glenside, PA 19038
Contact: Samuel Kravitz, Ext. 120
Phone: (800) 523-6422
Fax: (215) 886-2482
Web site: www.iiigroup.com
An MGA/E&S broker that operates in the continental United States with limits of up to $10 million. Target classes are lawyers, technology, insurance agents, and architects/engineers. Can offer E&O, and for-profit and nonprofit D&O. All carriers are A+ rated.
Intercorp, Inc.
1438-F W. Main St.
Ephrata, PA 17522
Contact: Elaine Matternas
Phone: (800) 640-7601
Fax: (717) 721-3515
E-mail: info@intercorpinc.net
Web site: www.intercorpinc.net
An E&S broker/program administrator that operates in all states with limits of $5 million. Will consider most classes but specializes in manufacturers (also a special program for National Glass Association members). All carriers are rated A or better.
IT Risk Managers, Inc.
P.O. Box 504
Okemos, MI 48805
Contact: Crystal Sargent, Larry Harb
Phone: (888) 280-8710
Fax: (775) 420-1164
E-mail: info@itriskmanagers.com
Web site: www.itriskmanagers.com
An E&S broker that operates in all states (depending on product and market) with limits of $1 million – $10 million. Target class is technology companies. Can offer GL, property, EDP, PL, identity theft, and database. All carriers are rated A or better.
Jacobs & Associates
8227 Brecksville Rd., #102
Brecksville, OH 44141
Contact: Jim Jacobs, Beth Jacobs, Vince Jacobs
Phone: (440) 838-1870
Fax: (440) 838-0742
E-mail: beth@jacobsnow.com
Web site: www.jacobsnow.org
An E&S broker that operates in OH only with limits of $10 million- plus. Target is any class of small to mid-sized accounts. Can offer D&O and fiduciary. Carriers are USLI, Houston Casualty, and Aspen Specialty. James River Insurance Company
7130 Glen Forest Dr., Ste. 210
Richmond, VA 23226
Contact: John G. Clarke
Phone: (804) 289-2700
Fax: (804) 289-2703
Web site: www.jamesriverins.com
An insurer that operates in all states except NH and OH with limits of $5 million. Target classes are firms with fewer than 100 employees (will consider up to 250), food services, fast food, and retail. Will not consider municipalities and government entities, law firms, foreign-owned corporations, temporary staffing, and professional employment organizations. Can offer third-party liability. James River is an A- rated carrier.
Jimcor Agencies
60 Craig Rd.
Montvale, NJ 07645
Contact:
Renee Azelby (800) 431-0797, Ext. 5145
Phone: (800) 334-0474
Fax: (201) 573-8820
E-mail:
razelby@jimcor.com
Web site:
www.jimcor.com
An MGA/E&S broker/wholesaler that operates in most states with primary and excess limits of $10 million (higher limits available). Will consider all classes including but not limited to manufacturers, lawyers, medical facilities, and professional firms. Can offer D&O, third-party, BI exclusion includes carveout for emotional distress; waiver of deductible if no liability available; defense in addition available; soft hammer, no hammer available. All carriers are rated A- or better.
Johannes/Stoermer Co.
6238 Far Hills Ave.
Dayton, OH 45459
Contact: Al Stoermer
Phone: (800) 333-7394
Fax: (937) 433-5936
E-mail: al@stoermerco.com
Web site: www.stoermerco.com
An MGA that operates in KY and OH only with limits of up to $5 million. Target is many classes of business with up to 200 employees. USLI is the A++ rated carrier.
Johnson & Johnson, Inc.
P.O. Box 899
Charleston, SC 29402
Contact:
Candice Jeffords, Ext. 3092; Josh Booth, Ext. 3015
Phone: (800) 487-7565
Fax: (843) 577-1584
E-mail: caj@yins.com
jeb@jjins.com
Web site: www.jjins.com
An MGA that operates in all states for EPLI and concentrating on GA, NC, SC and TN for other products, with limits of up to $5 million. Will consider most classes. Will not write government agencies. USLI (A++) and Shand Morahan (A) are the carriers.
M.J. Hall & Company, Inc.
709 N. Center St.
Stockton, CA 95202
Contact: Sarah W. Marsh
Phone: (209) 948-8108
Fax: (209) 870-2955
E-mail:
sarah@mjhallandcompany.com
Web site:
www.mjhallandcompany.com
An MGA/E&S broker that operates in AK, AZ, CA and NV with limits of up to $5 million. Target classes are D&O (for-profit and nonprofit) and EPLI (primary or excess available). Will not write surety. Packages can include GL, property, crime, glass, and inland marine. All carriers are A rated.
M.J. Kelly Co., Inc.
4415 E. Sunshine
Springfield, MO 65809
Contact: John Jennings
Phone:(800)725-7211
Fax: (417) 883-7103
E-mail: jjennings@mjkelly.com
Web site: www.mjkelly.com
An MGA/E&S broker that operates in AR, FL, IL, KS, MO, MS, NE, NM, OK, TN, TX and UT with limits of up to $5 million. Target classes are accounting firms, homeowners associations, retail, transportation/trucking, and vet clinics. Will not write bars/ taverns, casinos, aviation, government agencies, law firms, nursing homes, unions, or restaurants. Can offer duty to defend, optional coverage for punitive damages. USLI/Mt. Vernon (A++), Tudor (A+), and Beazley Group (A) are the carriers.
McLeckie Insurance Group
P.O. Box 770
Naples, TX 75568
Contact: Bill McLeckie, Jason McLeckie
Phone: (877) 905-9090
Fax: (903) 897-0062
E-mail: mcleckie@msn.com
Web site: www.mcleckie.com
An MGA/E&S broker that operates in AR, FL, LA, MS, OK and TX with limits as needed. Target class is auto dealers. Various admitted and nonadmitted carriers are used to place coverage.
Midlands Management Corp.
3503 N.W. 63rd, Ste. 305
Oklahoma City, OK 73116
Contact: Nettie Gober
Phone: (800) 800-4007
Fax: (405) 840-5432
E-mail:
ngober@midman.com
Web site:
www.midlandsmgt.com
An MGA that operates in AR, KS, OK and TX with limits of $1 million/ $1 million. Will consider most classes except governmental agencies, bars, nightclubs and adult entertainment facilities. Can offer professional liability (lawyers, architects/ engineers, E&O, and nonprofit D&O), medical (med mal for physicians, surgeons and dentists), specified medical for allied health care professional and facilities, and tenant discrimination liability. Shand Morahan is the carrier.
National Insurance Professionals Corp. A/D/O Risk Placement Services
P.O. Box 834
Poulsbo, WA 98370
Contact: Barbara Seitz
Phone: (800) 275-6472
Fax: (360) 697-3688
E-mail:
barbara_seitz@rpsins.com
Web site:
www.nipc.com
A program administrator that operates in all states except LA with limits of up to $5 million. Will consider most classes. Can offer professional liability. All carriers are A rated.
NIF Group, Inc./NIF Pro
30 Park Ave.
Manhasset, NY 11030
Contact:
Deborah Dioguardi, Ext. 130
Phone: (800) 892-8892
Fax: (516) 365-7392
E-mail: marketing@nifgroup.com
Web site: www.nifgroup.com
An E&S broker that operates on an admitted basis in all states and nonadmitted in 30 states with unlimited limits. Will consider all classes. Coverage can be written on a stand-alone basis or with D&O and fiduciary. All carriers are rated A or better.
NorthCoast Excess & Surplus Agency, Inc.
2244 E. Enterprise Pky.
Twinsburg, OH 44087
Contact: Jeffrey L. Burke
Phone:(330)405-9890
Fax: (330) 405-9893
Web site: www.ncoastxs.com
An E&S broker that operates in OH only with limits of $2 million/ $2 million. Will not write unions. All carriers are rated A+.
Philadelphia Insurance Companies
One Bala Plaza, Ste. 100
Bala Cynwyd, PA 19004
Contact:
Greg Schenendorf, Ext. 7819;
Tom Herenden, Ext. 7623;
Howard Goldstein, Ext. 7842
Phone: (800) 873-4552
Fax: (610) 617-7940
E-mail: gschenendorf@phly.com
therenden@phly.com
hgoldstein@phly.com
Web site: www.phly.com
An insurer that operates in all states except LA with limits of up to $10 million. Target classes are agricultural, manufacturing, publishers, retail businesses, service companies, wholesale, accounting firms, casinos, contracting/construction, real estate management, restaurants, oil/gas, technology (high-tech, biotech, med-tech), transportation other than air, utilities, medical offices/ physician groups, co-ops (utility, agricultural), airline/aviation industry, and research and development stage companies. Contact for prohibited classes. Can offer D&O, fiduciary, and crime. Both Philadelphia Indemnity and Philadelphia Insurance are A+ rated companies.
Prime Insurance
P.O. Box 4439
Sandy, UT 84091
Contact: Underwriting Staff
Phone: (800) 257-5590
Fax: (877) 452-6910
E-mail: rjl@primeis.com
Web site:
www.primeis.com
An MGA(EIBS(/insurer!Prime) that operates in all states except AK, CA, CT, NH, NY, RI and TX with all limits. Will consider all classes. Can offer monoline liquor, assault/battery, and after 3 a.m. closings in the hospital industry. Prime is a B+ rated carrier.
Professional Indemnity Agency
50 California St., Ste. 940
San Francisco, CA 94111
Contact: Richard Rupp
Phone: (415) 277-2460
Fax: (415) 288-0771
E-mail: drupp@piaint.com
Web site: www.piaint.com
An MGA/E&S broker that operates in all states with limits of $2 million or $1 million/$3 million. Target classes are hospitality, restaurants, law firms, and auto dealers. Will not consider public entities, schools or unions. Can offer fiduciary liability. Houston Casualty, U.S. Specialty, HCC Specialty, and Lloyd’s are the A rated or better carriers.
Professional Liability Insurance Services, Inc.
8015 Bronco Lane, Ste. 100
Lago Vista, TX 78645
Contact: Underwriting Team
Phone: (800) 761-7547
Fax: (512) 327-5834
E-mail: underwriting@plisinc.com
Web site: www.plisinc.com
A national program administrator that operates in all states with limits of up to $5 million/$10 million. Will consider all classes. Can offer business interruption for food-borne illness outbreaks/ trade name restoration (TNR) for restaurants, hospitality restoration/loss of business income and incident response expense, miscellaneous E&O, and lawyers professional liability (Texas only). Lloyd’s is the A rated carrier for all product lines, except Service Lloyd’s (A-) for lawyers (admitted product in Texas only).
Quadrant Insurance Managers
470 Olde Worthington Rd., Ste. 200
Columbus, OH 43082
Contact: Mark Harris
Phone:(614)841-1425
Fax: (614) 841-1426
E-mail: info@quadrant-us.com
Web site: www.quadrant-us.com
An MGA that operates nationwide-with some exceptions-with limits of up to $5 million. Target classes are insurance companies/ agencies, banks, colleges/universities, hotels/motels/ restaurants, and the health care industry. Can offer D&O, E&O, and stand-alone third-party harassment/discrimination. All carriers are rated A- or higher.
Rockwood Programs, Inc.
4001 Miller Rd.
Wilmington, DE 19802
Contact:
Meghan Bell (302) 765-6007
Phone: (800) 558-8808
Fax: (302) 764-5477
E-mail: meghan.bell@ rockwoodinsurance.com
Web site:
www.rockwoodinsurance.com
An MGA/E&S broker that operates in all 50 states with limits of $250,000 – $10 million. Will consider all classes. Will not write PEOs. Can offer D&O; admitted stand-alone market in all states; various other A rated or better markets available for hard-to-place risks; franchise market (available in all states). Rockwood Guardian Program has a low minimum premium for risks with fewer than 15 employees. Policy enhancements include: full prior acts (included on all new business and renewals, no additional premium and no proof of prior coverage needed); supplemental defense costs up to $1 million limit; no “failure to make partner” exclusion; $100,000 sub-limit for wage and hour; third-party available for all classes of business (up to $1 million limit); and HR policies and procedures are not mandatory. Certain policy restrictions may apply in AK, CA, LA and WA. Avemco (A+), NAS (A+), Beazley (A-), and XL (A+) are the carriers. Roush Insurance Services, Inc.
P.O. Box 1060
Noblesville, IN 46061
Contact: Gail Pierce, Ext. 18; Tony Armor, Ext. 17
Phone: (800) 752-8402
Fax: (317) 776-6891
E-mail: gail.pierce@roushins.com
tony.armor@roushins.com
Web site: www.roushins.com
An MGA/E&S broker that operates in IL, IN and OH with limits of $1 million (excess available to desired limit). Will consider any class. Can offer E&O, D&O, employee dishonesty bonds, property, liability, and equipment breakdown. The A rated carriers are Scottsdale and Shand Morahan.
Russell Bond & Co., Inc.
295 Main St., Ste. 866
Buffalo, NY 14203
Contact:
Tonya Hollederer, Ext. 133; Tony Ambrose, Ext. 143
Phone: (800) 333-7226
Fax: (800) 677-6779
E-mail:
thollederer@russellbond.com
tambrose@russellbond.com
(financial institution risks only)
Web
site: www.russellbond.com
An MGA/E&S wholesaler that operates in CT, MA, NJ, NY, PA and VT with limits of $100,000 – $25 million. Will consider all classes. Coverage is written monoline or in conjunction with D&O, school board legal, and public officials. All carriers are rated A- or better.
Smith Bell & Thompson, Inc.
P.O. Box 730
Burlington, VT 0,5402
Contact: Jennifer Miles, Robin Castine, Bill Thompson
Phone: (800) 735-1800
Fax: (802) 658-6191, (802) 862-2180
E-mail:
jmiles@sbtinsurance.com
rcastine@sbtinsurance.com
thompson@sbtinsurance.com
Web site: www.sbtinsurance.com
An MGA that operates in all states. Target classes are home health care, medical equipment suppliers, medical staffing, medical facilities, and social services. Can offer D&O, liability, professional and GL liability.
Swett & Crawford
21650 Oxnard St., Ste. 1400
Woodland Hills, CA 91367
Contact: Craig Rubin
Phone: (800) 262-6099
E-mail: info@swett.com
Web site: www.swett.com
An MGA/E&S broker that operates in all states with limits of up to $50 million. Can offer D&O, E&O, fiduciary, and GL. All carriers are rated A- or better.
Tennant Risk Services Insurance Agency, LLC
99 Pratt St., Ste. 200
Hartford, CT 06103
Contact:
Kimberly L. Byrd (860) 280-2150; Marianne Nai (860) 280-2153; Titania Barrett (860) 280-2156
Phone: (860) 527-9717
Fax: (860) 527-2438
E-mail: kbyrd@tennant.com
mnai@tennant.com
tbarrett@tennant.com
Web site: www.tennant.com
An E&S broker that operates in all states with various limits. Will consider most classes but specializes in EPLI for medical providers. Can offer third-party discrimination/harassment and tenant discrimination. All carriers are rated A- or better.
Tri-City Brokerage, a Division of BISYS Commercial Insurance
50 California St., Ste. 2000
San Francisco, CA 94111
Contact: (Chicago) Mark Waldeck (312) 879-7135; (New York) Tom Curley (212) 293-3902; (San Francisco) Molly McLavert, (415) 675- 2282
Phone: (415) 986-5050
Fax: (321) 757-6147
E-mail:
mwaldeck@tricityins.com
tcurley@tricityins.com
mmclaverty@tricityins.com
marketing@tricityins.com
An E&S broker that operates nationwide with primary limits of up to $15 million (may be layered to meet the needs of the client). Target classes are employee leasing (PEO), franchise operations, hospitality (restaurants/hotels), law firms, and larger employer risks (5,000-plus employees). Can offer punitive damages, third- party liability, multi-year deals, and full prior acts. The A rated or better carriers are ACE, AIG, Travelers, Chubb, and RSUI.
USG Insurance Services, Inc.
1000 Town Center Way, Ste. 300
Canonsburg, PA 15317
Contact: Kristen A. Taylor
Phone: (800) 886-3897
Fax: (724) 265-5751
E-mail: ktaylor@usgins.com
Web site: www.usgins.com
An MGA/E&S broker that operates in all states except AK and HI with limits of up to $25 million (with virtually unlimited excess capacity). Will consider all classes including hard-to-place: auto dealerships, boat dealers, credit reporting/collection services, educational services, employment agencies/PEOs, governmental entities, hospitals, HMOs, PPOs, nursing homes, labor organizations, motorcycle dealers, political organizations, real estate companies, and temporary staffing. Can offer D&O, E&O, and miscellaneous professional. All admitted and nonadmitted carriers are A rated.
Victor O. Schinnerer & Co., Inc.
2 Wisconsin Circle
Chevy Chase, MD 20815
Contact:
Kathleen Curry (301) 951-6927
Phone: (301) 961-9800
Fax: (301) 951-5444
E-mail:
kathleen.w.curry@schinnerer.com
Web site:
www.schinnerer.com
An MGU that operates in all states and territories except Puerto Rico with limits of $5 million. Target class is design professional firms. Will not write contractors. Can offer D&O, fiduciary and EPLI in a combined package. CNA is the A rated carrier.
Worldwide Facilities, Inc.
725 S. Figueroa St., 19th Fl.
Los Angeles, CA 90017
Contact: Kristina Mason
Phone: (213) 236-4500
Fax: (213) 244-9655
E-mail: info@wwfi.com
Web site:
www.wwfi.com
An E&S broker that operates in all states with all limits. Will consider all classes including law firm EPLI. Can offer D&O, crime, fiduciary, and K&R. All carriers are A rated or better.
Yates & Associates Insurance Services, Inc.
17822 E. 17th St., Ste. 300
Tustin, CA 92780
Contact: Laurie Mann, Ext. 231; Mana Guerra, Ext. 243
Phone: (714) 550-5050
Fax: (714) 550-5051
E-mail:
lmann@yates-assoc.com
mguerra@yates-assoc.com
Web site:
www.yates-assoc.com
An MGA that operates in CA only with various limits. Will consider all classes. All admitted and nonadmitted carriers are A rated.
Copyright Rough Notes Co., Inc. Jul 2007
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