Umbrella and excess liability market

Umbrella and excess liability market

France, Larry G

Umbrella market is leveling out, but it is not a soft market

The above comments were made by some of the markets responding to our survey. Most agree on overall market conditions. Are the ones that differ wrong? No. The market changes, depending on what classes of business they are writing and in what geographical areas they operate.

Fewer carriers are offering umbrella coverages-there are fewer carriers, period. Pricing is not exploding as it did over the past two years. The more difficult classes are still seeing 25% to 50% increases. There is some decline in capacity. Carriers are requiring higher attachment points and SIRs in select classes, but most Main Street risks will see little or no change.

Hard-to-place risks-which some agents believe are all accounts today-can find a home. Larry Harb of IT Risk Managers says that they have been very successful in finding markets for hard-to-place coverages, including large umbrellas. “Most recently, we were able to place a large excess umbrella for a high-profile real estate property in Chicago. We have access to A+ carriers that have capacity up to $25 million for primary umbrellas and excess umbrella layers up to $100 million. While our markets are not always the cheapest, they are the ones that will get things done when pricing is not an issue. Our minimum premium is $25,000.” IT targets classes of business that include manufacturing, non-residential contracting/construction, retail/wholesale, habitational, real estate, service-oriented industries, tobacco manufactures, and financial institutions.

Michael Vought, senior vice president of Gulf Insurance Group, says that total capacity in the umbrella and excess market has dropped by around 25% since 2000, and carriers are using their limits more cautiously. Yet there still appears to be no shortage of capacity. Attachment points in general need upward adjustment, although some risks with large auto fleets are seeing attachment rise to $2 million and higher.

Pricing in the excess layers has caught up to the increases in lead umbrellas. Rate increases continue-but at a decelerated pace. The effect of increases achieved since 2000 should contribute to improved results. On the downside, some carriers are using “per mil” charges that don’t seem justified in relation to the risk.

In some classes, the umbrella has become a “working layer.”

Umbrella claim experience affirms the need for tort reform as part of ongoing tort reform discussion, says Vought. Along with escalating loss trends, reinsurance recoverable challenges have become more prevalent.

“The market still needs to strike a balance between current pricing and the loss trends,” he says.

Learn more about umbrella and many other classes of business at The Rough Notes Company/Insurance Marketplace’s Specialty Lines Seminar on August 13 in San Francisco. Check p. 95 in this issue; the August issue of Rough Notes; or access the Rough Notes Web site (www.roughnotes.com) for information and registration form.

The following have responded to our survey indicating that they are a market for umbrella/excess coverage.

Agency Marketing Services, Inc.

P.O. Box 41786

St. Petersburg, FL 33743

Contact: Jane Zulman (personal), Ken O’Neill (commercial)

Phone: (800) 542-2805

Fax: (727) 343-4123

E-mail: info@agencymarketing.com

Web site:www.agencymarketing.com

An MGA/E&S broker operating in AL, FL, GA, NC and SC with limits of $10 million. Target markets are (personal umbrella) celebrities, entertainers, high-profile CEOs and executives; (professional) athletes, political figures; (commercial umbrella) mercantile, habitational, service, manufacturing. Also offered are excess personal auto and excess personal watercraft. All carriers are rated A or better.

All Risk/CESI, LLC

277 Broadway, Ste. 1001 New York, NY 10007 Contact: Maya Cruz, Fred

Mansback, Mei Eng Phone: (877) 385-0404 E-mail: mcruz@ca-group.com

Web site: www.ca-group.com

An E&S broker that operates in NY state only, with limits of up to $10 million. Carriers are US Liability, General Star, and Lexington.

All Risks, Ltd.

1920 Greenspring Rd., Ste. 200 Timonium, MD 21093 Contact: Bob Boyle, C.J. Wright, Erik Halvorsen

Phone: (800) 366-5810

Fax: (410) 828-8179

Web site: www.allrisks.com

An E&S broker that operates countrywide with unlimited limits. Target markets are contractors, real estate, transportation, distribution, manufacturing, and allied medical. Can also offer GL and commercial property. All carriers are A rated.

Allied Insurance Brokers, Inc.

4 Allegheny Center, 5th fl. Pittsburgh, PA 15212 Contact:

Patty Pietropaoli, Ext. 205 Phone: (412) 231-8374

An MGA that operates in all states with limits of $5 million. Target markets are mobile crane operators and rental equipment dealers. Can also offer GL and auto. All carriers are A rated.

Apollo General Insurance Agency, Inc.

P.O. Box 1508

Sonoma, CA 95476

Contact: Bob Elster

Phone: (800) 624-5829

E-mail: bobe@apgen.com

A general agent/E&S broker that operates in all states except NY with limits of $10 million. Target market is commercial GL but will not write condos, town homes, tracts or apartments. Can offer primary GL for courier, crane and rigging, house movers and demolition contractors. Carriers are Crum & Forster, Gulf and United Coastal.

Arrowhead General Insurance Agency, Inc.

402 W. Broadway, Ste. 1600

San Diego, CA 92101

Contact: Gustave Yanez

Phone: (800) 333-5553, Ext. 6385 (eligibility) or (800) 669-1889, Ext. 5824 (service on existing policies)

An MGA operating in AZ, CA, CT, MD, NY, OR, SC, VA and WA with limits of $1 million to $5 million. Target market is individuals who have up to five rental properties (unincorporated). Will not consider any commercial exposure. RLI is the A rated admitted carrier.

AVRECO Brokerage

550 West Van Buren St., 12th fl. Chicago, IL 60607

Contact:

Mark Senkbeil (manager),

Ed Kean

Phone: (800) 776-7475

Fax: (312) 922-7563

E-mail: msenkbeil@avreco.com

An E&S broker that operates nationwide with limits of $100 million. Target markets are manufacturers, truckers, medical devices, pharmaceuticals, contractors, and real estate. Can also offer product liability, GL and D&O. All carriers are A rated.

BAT Insurance Corp.

465 S. Beverly Dr.

Beverly Hills, CA 90212

Contact: Tony Trocino

Phone: (310) 282-0753

Fax: (310) 282-7133

E-mail:

trotony@earthlink.net

An E&S broker operating in CA only, with limits of $10 million. Target market is commercial with following form excess also offered. Will not write personal umbrella. Various A rated admitted and nonadmitted carriers are used to place coverage.

Bohrer, Croxdale & McAdoo, Inc.

P.O. Box 2760

Springfield, MO 65801

Contact: Marilyn Foster, Grace Cumley, Sharon Bradley

Phone: MO (800) 779-2550, AR (800) 594-5101

Fax: MO (888) 869-2550, AR (800) 726-7707

An MGA/E&S broker that operates in AR, IL, KS and MO with limits of $1 million to $9 million-commercial only. Target market is small to medium commercial; will not write personal umbrella/excess. Can offer primary CGL. Carriers are A rated or better.

Brownyard Group, Inc.

21 Maple Avenue CN9175 Bay Shore, NY 11706

Contact: Torrence Brownyard

Phone: (800) 645-5820

Fax: (631) 666-5723

Web site:

www.brownyard.com

An MGA that operates in all states with limits of $5 million. Target markets are security guard, pest control, beauty and cosmetics manufacture. Will not write personal umbrella. Can offer WC, inland marine, property, and commercial auto.

Builders & Tradesmen’s Insurance Services

2999 Douglas Blvd., Ste. 115 Roseville, CA 95661

Contact: Paul Hohlbein

Web site: www.btisinc.com

An MGA/program administrator that operates in CA, ID, NM, OR and UT with limits of up to $5 million. Target markets are 30+ classes of artisan contractors and 200 classes of Main Street businesses. RLI is the A rated carrier.

Burke-Daniels Co., Inc.

P.O. Box 36069

Houston, TX 77236

Contact: Karen Hudgens

Phone: (281) 340-4000

Fax: (281) 340-4010

E-mail:

khudgens@burke-daniels.com

An E&S broker that operates in all states with various limits. Target markets are oil lease operators and oil. Can offer control of well, oil lease property, and rig physical damage. Lloyd’s of London and National Union Fire (Pittsburgh) are the carriers.

Burns & Wilcox Ltd.

30833 Northwestern Hwy., Ste. 220

Farmington Hills, MI 48334

Contact: William McCord, Steve Collins

Phone: (800) 521-1918

Fax: (248) 932-9046

Web site:

www.burnsandwilcox.com

An MGA/E&S broker that operates in all states except ME and NY with commercial limits of $10 million and personal up to $100 million. Will consider all classes and will write “target” personal umbrellas. Will not write long-haul trucks and buses. USLI, Scottsdale, Chubb, Evanston, Fireman’s Fund, RLI, and Navigators are the carriers.

Carnegie Ins. Serv. Corp.

17700 Broadway Ave.

Cleveland, OH 44146

Contact: Dennis Liniman, Ext. 3211; Alan Rubin, Ext. 3206, Marti Lugli, Ext. 3238

Phone: (800) 362-2411

Fax: (440) 439-5551

E-mail:

dliniman@carnegieins.net

An MGA/E&S broker that operates in all states with personal umbrella limits of up to $50 million, excess umbrella limits of up to $50 million and excess CPL of $1 million. Increased UM/UIM limits are available. Will consider all preferred applicants including high-profile individuals such as celebrities and professional athletes. Can offer personal injury. Mt. Vernon, Navigators, Scottsdale, Lexington, and Chubb Custom are the A rated or better carriers.

Casualty & Surety, Inc.

Meadow Brook 300, 300 Corporate Pky., Ste. G-1

Birmingham, AL 35242

Contact: Lamar Andrews

Phone: (205) 995-0713

Fax: (205) 995-0862

E-mail: landrews@csiapex.com

Web site: www.csiapex.com

An E&S broker that operates nationwide with limits of $50 million and up. Target markets are contractors, distributors, crane accounts, and manufacturing. Will not offer personal umbrella but can offer excess products liability. All carriers are A rated.

Century Surety Group

P.O. Box 163340

Columbus, OH 43231

Contact: Thomas Rossi

Web site:

www.centurysurety.com

An insurer operating in all states except NJ and NY with limits of $5 million. Target market is small to medium-sized commercial accounts only (no personal umbrella). Century Surety is rated A.

Delaware Valley Underwriting Agency, Inc.

420 S. York Rd.

Hatboro, PA 19040

Contact: Jon Bannett (NJ), Joel Kaplan (Hatboro), Dennis Alkson (Pittsburgh)

Phone:

(NJ) (800) 772-2207

(Hatboro) (800) 388-0215

(Pittsburgh) (800) 892-5938

Fax:

(NJ) (973) 377-2430;

(Hatboro) (215) 672-7983;

(Pittsburgh) (412) 366-1760

E-mail:

(NJ) bannett@dvua.com

(Hatboro) kaplan@dvua.com

(Pittsburgh) alkson@dvua.com

Web site:

www.dvua.com

An MGA/E&S broker operating in DC, DE, KY, MD, NC, NJ, NY, OH, PA, SC, TN, VA and WV with limits of up to $100 million, depending on class and nature of risk. Target markets are transportation and trucking, contractors and construction risks, manufacturing, miscellaneous OL&T risks, habitational, real estate, health care, and excess auto. Can write over claims-made or occurrence; defense outside the limit and can include professional liability, primary or excess umbrella, following form excess and buffers. All admitted and nonadmitted carriers are A rated or better.

Doran Excess Underwriters, Inc.

P.O. Box 1417

Mechanicsburg, PA 17055

Contact: Ron Hihn, Mark Murphy

Phone: (800) 553-6739

E-mail: mail@doranxs.com

An MGA operating in all states with limits of $10 million. Target market is excess malpractice and insurance agents E&O. Will write excess and umbrella only. Will not write primary except for insurance agents E&O. No personal umbrella considered. All carriers are rated A or better.

ECC Insurance Brokers, LLC

1211 West 22nd St., Ste. 512

Oak Brook, IL 60523

Contact: Patrick Edwards

A wholesale broker operating in all states with limits of $25 million and up. All commercial classes are considered. Carriers are Westchester, Royal, Zurich, and General Star, all A rated.

Educational Institutions PG, Inc., c/o S.H. Smith & Co.

41 N. Main St.

West Hartford, CT 06107

Contact: Peter Hudson

Phone: (800) 356-0168

Fax: (860) 313-5641

E-mail:

peterh@shsmith.com

Web site:

www.shsmith.com

A program administrator that operates in all states with limits of $25 million. Target market is private schools of all types. Will not write public schools. Can offer follow form, school board E&O, employment practices, professional, sub-limit on sexual abuse. General Star is the A rated or better carrier.

Evolution Insurance Brokers (EIB)

8722 South 300 West

Sandy, UT 84070

Contact: F. Darrell Lindsey

Phone: (877) 678-7342

Fax: (801) 304-5551

E-mail: fdl@eibdirect.com

Web site: www.eibdirect.com

An E&S broker that operates in all states with all limits. Target market is personal and commercial excess liability; will not write umbrella. Can write all related coverages. Lloyd’s is rated A; Prime is a B rated carrier.

Excel Insurance Service, Inc.

301 Oxford Valley Rd., Ste. 402A

Yardley, PA 19067

Contact: Dennis Pellegrino

An E&S broker operating in NJ and PA. All carriers are rated A or above.

Five Star Managers, LLC

118 S. Clinton St., Ste. 700

Chicago, IL 60661

Contact: Ralph Blust, Rupal Kapadia

Phone: (866) 879-6565

Fax: (312) 879-1335

Web site: www.5starmgrs.com

An MGU that operates in all states except AK, HI, LA, OH, VA, VT, and WV with limits of $1 million to $10 million. Target markets are manufacturers, hotels/motels, retail, specialty contractors, agriculture, country clubs, property management, and restaurants. Can offer a crisis response program with $250,000 coverage. AIG is the A rated or better carrier.

Frontier General Insurance Agency, Inc.

6801 Calmont Avenue

Fort Worth, TX 76116

Contact: Rosemary Rich

Phone: 800 800-2464

Fax: (800) 735-2464

E-mail:

cs@frontierumbrellas.com

Web site: www.frontierumbrellas.com

An MGA that operates in AZ, CA, NV, OR and WA with limits of $5 million and up. Will not write contractors. Can offer combo umbrella for personal and commercial risks on the same policy.

Gateway Underwriters Agency

755 S. New Ballas Rd., Ste. 130

St. Louis, MO 63141

Contact: Michael Ehrhardt (personal), Mary Beth Fox (commercial)

Phone: (800) 325-7652

Fax: (314) 567-4552

An MGA that operates in IL, KS, MO and NE with personal limits of $30 million and commercial limits of $10 million to $25 million. Will not write nursing homes or aviation. Carriers are USLI (personal and commercial), Gulf, and Scottsdale (commercial).

Gulf Insurance Group

125 Broad Street, 8th fl.

New York, NY 10004

Contact: Michael Vought

Phone: (212) 291-3208

Fax: (212) 291-3015

E-mail:

mvought@gulfinsurance.com

Web site:www.gulfinsurance.com

A specialty lines insurer that is admitted in all states and DC and also has nonadmitted capabilities, with limits of $25 million. Target markets are retail, wholesale, manufacturing, service, municipalities, schools, transportation, and non-residential contractors. Will not write pharmaceuticals, chemicals, railroads, nursing homes, or tobacco risks. Can offer umbrella liability, follow form excess (claims-made or occurrence), monoline excess (auto liability, employers liability, GL and products liability). Gulf Insurance, Gulf Underwriters, Select, and Atlantic are the carriers in the group.

H.R. Keller & Co., Inc.

1520 Sheridan Dr.

Buffalo, NY 14217

Contact: John Barton, Fred Stievater

Phone: (800) 424-2202

A wholesaler operating in NY only, with limits that vary by company and account. Will look at all classes, commercial umbrella only. Can offer primary. All carriers are rated A or better.

H.W. Gorst Co., Inc.

9310 Topanga Canyon

Chatsworth, CA 91311

Contact: Irma Andalon (personal), Fran Locke (commercial)

Phone: (818) 507-0900

Web site: www.gorst.com

An E&S broker operating in CA only, with limits of $1 million to $15 million (personal umbrella and excess) and up to $10 million (commercial umbrella). Can also offer CPL and GL. Topa, Golden Bear, Scottsdale, and Navigators are the carriers.

Hull & Company, Inc.

2150 S. Andrews Ave.

Ft. Lauderdale, FL 33316

E-mail:

info@hullco.com

Web site: www.hullco.com

An MGA that operates in CA, CO, FL, HI, IA, KS, MO, MT, NE, NC, SC, TX and VA with limits of $10 million (higher available). Target markets are high net worth/celebrity individuals, contractors, and many commercial classes. Can handle primary liability as well. Various A rated carriers are used to place coverage.

Insurance Innovators Group

130 S. Easton Rd.

Glenside, PA 19038

Contact: Susan Clifton (personal); Barb Randall, Fran Reh (commercial)

Phone: (800) 523-6422

Fax: (215) 886-2482

Web site:

www.iiigroup.com

An MGA/E&S broker operating in CT, DE, MA, MD, ME, NJ, NY, PA and RI with limits of $10 million (personal); commercial depends on the risk. Can offer GL, property, WC, and commercial auto. Various A rated carriers are used to place coverage.

IT Risk Managers, Inc.

P.O. Box 504

Okemos, MI 48805

Contact L.E. Harb

E-mail:

umbrella@itriskmanagers.com

An E&S broker that operates in all 50 states with limits of $100 million. Target markets are real estate portfolio, property managers, habitational, hotel, manufacturing, and technology. All carriers are rated A or above.

J.M. Wilson

8036 Moorsbridge Rd.

Portage, MI 49024

Contact: Cathy Baldwin

Phone: (800) 282-8113

Fax: (269) 327-2620

E-mail: cbaldwin@jmwilson.com

Web site: www.jmwilson.com

An MGA that operates in IL, IN, KS, MI, MO, OH and WI with limits of $10 million. Target markets are (personal) high-profile individuals, other residences, watercraft, motorcycle, RV, youthful drivers, and driving record issues; (commercial) manufacturing, commercial contractors, industrial, and habitational. Carriers are USLI/Mt. Vernon, Chicago, United National, General Star, Burlington, Gulf, and Interstate, all rated A or better.

Johannes/Stoermer Co.

P.O. Box 41246

Dayton, OH 45441

Contact: Ed Stoermer

Phone: (800) 333-7394

Fax: (937) 433-9946

E-mail: ed@stoermerco.com

Web site: www.stoermerco.com

An MGA that operates in KY and OH with limits of up to $10 million. Target markets are personal umbrella, with all classes available. Can offer coverage for youthful drivers and senior citizens. Will not write anyone with more than two DUIs. Mt. Vernon (USLI) is the A rated or better carrier.

M.J. Hall & Company, Inc.

P.O. Box 192

Stockton, CA 95201

Contact: Norm Amick

Phone: (209) 870-2901

Fax: (209) 465-3843

E-mail: norm@mjhallandcompany.com

An MGA/E&S broker operating in AK, CA and NV with limits of up to $50 million. Can offer buffer layers. Various carriers are used to place coverage.

M.J. Kelly Co., Inc.

4415 E. Sunshine

Springfield, MO 65809

Contact: Lori Drake, Shawna Cooke, Heather Duffield

Phone: (800) 725-7211

Fax: (417) 883-7103

Web site: www.mjkelly.com

An E&S broker operating in AR, IL, KS, MO and OK with various limits. Target markets are contractors, personal, and mercantile. Can offer CGL and professional liability. Various carriers are used to place coverage.

Market Finders Ins. Corp.

P.O. Box 6549

Louisville, KY 40206

Contact: Karen Cornett, Charlene Curry, Susan Hudgins

Phone: (800) 626-5660

Fax: (502) 426-7970

E-mail: kcornett@mfic.com

Web site: www.mfic.com

A program administrator, MGA/E&S broker that operates in IN, KY, OH, NC, SC, TN and WV with limits of up to $10 million.

McLeckie General Agency

P.O. Box 770

Naples, TX 75568

Contact: Bill McLeckie, Jason McLeckie

Phone: (903) 897-9090

Fax: (801) 365-5626

E-mail: billmcleckie@juno.com

An MGA/E&S broker that operates in CO, FL, IA, LA, MS, OH and TX with limits of $50 million. Target market is varied. Can offer GL, garage, and business auto. Gulf is the A rated carrier.

McSweeny Agency (E & S)

505 High St.

Burlington, NJ 08016

Contact: Richard McSweeny

Phone: (609) 387-0101

Fax: (609) 387-7171

E-mail: mcsweeny@verizon.net

An MGA/E&S broker that operates in NJ and PA only, with personal limits of $5 million and commercial limits of $15 million and up. Target markets are commercial contractors, distributors, warehouses, factories, residential contractors, and builders risk. Can offer primary GL, products, E&O, D&O, and property. All carriers are rated A.

Midwestern General Agency, Inc.

255 NW Blue Pky.

Lee’s Summit, MO 64063

Contact: Janice Lampe (personal), Linda Mayo (commercial)

Phone: (816) 246-1200

Fax: (816) 246-1290

Web site: www.mgakcmo.com

An MGA/E&S broker operating in IL, KS, MO and NE with limits of $3 million. Will not write monoline excess auto. Carriers are RLI, Scottsdale, United National, and Essex, all rated A.

Morstan General Agency, Inc.

1981 Marcus Ave.

Lake Success, NY 11042

Contact: Tracey Bond, Fanny Galle, Lenora Valtaggio

Phone: (516) 488-4747

Fax: (516) 488-8478

E-mail: tbond@morstan.com

Web site: www.morstan.com

An E&S broker that operates in most states with limits of up to $100 million. Target markets are real estate, retail, and wholesale. AIG, Gulf, Chubb, and Fireman’s Fund are the carriers.

NIF Group – North Island/NIF Pro

30 Park Ave.

Manhasset, NY 11030

Contact: Nancy Williams

Phone: (800) 892-8892

E-mail: marketing@nifgroup.com

Web site: www.nifgroup.com

An MGA/E&S broker that operates in all states with limits of $25 million. Can offer GL and property packages, as well as general liability for difficult products, pharmaceuticals and medical facilities. Will not write truckers or heavy auto fleets. All carriers are A rated.

Orion Commercial Insurance Services, Inc.

P.O. Box 30634

Walnut Creek, CA 94598

Contact: Allen E. Gebauer, Toni Gebauer

Phone: Allen – (925) 280-1155

Toni – (925) 274-0120

Fax: (925) 280-0333

E-mail:

al@orionslb.com,

toni@orionslb.com

An excess & surplus lines broker operating in California with open limits. Target market is commercial. Also offers general liability, commercial package, DIC, excess DIC and property. Personal lines is not written. All carriers are rated A or better.

Pacific Specialty Insurance

3601 Haven Ave.

Menlo Park, CA 94025

Contact:

Jeffrey R. Kenny (personal), Shannon Davis, (comprehensive personal liability)

Phone: (800) 828-3003

Fax: (650) 780-4835

E-mail:

jkenny@mcgrawgroup.com

sdavis@mcgrawgroup.com

Web site:

www.mcgrawgroup.com

An insurer that operates in AZ, CA, GA and TX with limits of $500,000, $1 million, and $2 million (personal umbrella). Comprehensive personal liability is available only in CA with limits of $100,000, $300,000, $500,000. Pacific Specialty is rated A.

Petroleum Marketers PG, Inc., c/o S. H. Smith & Co.

41 N. Main St.

West Hartford, CT 06107

Contact: Jeff Blumberger

Phone: (800) 356-0168

Fax: (860) 313-5667

E-mail: jeffb@shsmith.com

Web site: www.shsmith.com

A program administrator that operates in all states with limits of $10 million. Target markets are gasoline haulers, fuel oil dealers, LPG dealers, and convenience stores. Can offer follow-form upset and overturn, loading and unloading, hostile fire including products. General Star is the A rated or better carrier.

Prime Insurance Syndicate Inc./I.E.B.S.

P.O. Box 4439

Sandy, UT 84091

Contact: Rick J. Lindsey

Phone: (877) 243-8181

Fax: (801) 304-3702

An insurer (Prime) and MGA (I.E.B.S.) that operates in all states with all limits available. Target market is excess liability. Will not write umbrella. Can offer shareholders equity.

Princeton Risk Managers, Inc.

435 Wall St., Research Park Princeton, NJ 08540

Contact: Jim Griffith

Phone: (800) PRM-0099

Fax: (609) 924-8155

E-mail: jgriffith@princetonrisk.com

Web site: www.princetonrisk.com

An E&S broker operating in NJ, NY and PA on a surplus lines basis, and all states on admitted placements with limits of $100 million and up. Target market is manufacturers and contractors. Will not write lead personal umbrella. Can also offer excess commercial auto and buffer liability. ACE, AIG, Aeslic, Arch, Chubb, C&F, Fireman’s Fund, General Star, Gulf, Lexington, Liberty International, United National, Westchester Fire, and Zurich are the carriers.

Professional Government Underwriters, Inc.

P.O. Box 35471

Richmond, VA 23235

Contact: Chuck Highlander, Marty Kanipe

Phone: (800) 586-6507

Fax: (804) 272-7852

Web site: www.pgui.com

An MGA that operates nationwide with limits of up to $5 million. Target markets are municipalities, counties, other political subdivisions, educational, and nonprofit entities. Will not consider charter schools. Can also offer public officials liability, police professional liability, educational entity E&O, and nonprofit D&O. United National is the A rated or better carrier.

Professional Insurance Underwriters, Inc.

1600 West Commercial Blvd. Ft. Lauderdale, FL 33309

Contact: Linda DiNapoli, John Reynolds

Phone: (800) 275-2800

Fax: (954) 492-9442

E-mail:

linda_dinapoli@piucorp.com

Web site: www.piucorp.com

An MGA that operates in FL only, with limits of $5 million. Will consider various classes but will not consider personal umbrellas or personal excess. Can offer commercial truck liability, WC, GL, E&O, cargo, physical damage, and garage liability. Various A rated carriers are used to place coverage.

ProHost USA, Inc.

4500 Park Glen Rd., Ste. 410 Minneapolis, MN 55416

Contact: Heidi Strommen Phone: (888) 968-6863

Fax: (952) 922-5423

E-mail: info@prohostusa.com

Web site: www.prohostusa.com

An MGA that operates in most states with various limits. Will not consider personal umbrellas or personal excess. Various A rated or better carriers are used to place coverage.

Quaker Special Risk

P.O. Box 415

Sea Girt, NJ 08750

Contact: Frank M. Walsh

Phone: (800) 447-4180

E-mail: fwalsh@QSR-insurance.com

An E&S broker that operates nationally with personal umbrella limits of $35 million and commercial umbrella of $100 million. American Empire, Central Star, Lexington, Fireman’s Fund, Ohio Casualty, ARCH Specialty, Sheffield, Liberty Surplus, Evanston, RLI, Interstate, Royal, United National, and Westchester are the carriers.

Quirk & Company

P.O. Box 792030

San Antonio, TX 78279

Contact: Richard Moye, Charlie Mills (commercial), Everett Lewis (personal)

Phone: (800) 299-9421

E-mail: rmoye@quirkco.com

cmills@quirkco.com

elewis@quirkco.com

An E&S broker that operates in TX only, with limits of up to $10 million (commercial), up to $25 million (personal umbrella/excess personal umbrella), up to $10 million (excess personal auto liability) up to $10 million (excess watercraft and personal watercraft buffer). Target markets are most commercial classes and hard-to-place or high-profile applicants. Will not consider general and residential contractors, professional classes and watercraft over 50 feet in length and 50 mph. Can also offer comprehensive personal liability with limits of up to $10 million and all commercial lines except WC. Carriers are General Star, National Union Fire, Chubb, RLI, Ace American, USLI, Evanston, and Alea North America, all rated A or above.

Restaurant Owners PG, Inc., c/o S.H. Smith & Co.

41 N. Main St.

West Hartford, CT 06107

Contact: William St. George

Phone: (800) 356-0168

Fax: (860) 313-5662

E-mail: williams@shsmith.com

Web site: www.shsmith.com

A program administrator that operates in all states with limits of $10 million. Target markets are fine dining, family, and fast food. Will not consider liquor receipts in excess of 65% of sales. Can also offer follow-form liquor, punitive damages, fellow employee. Great American and Chubb are the carriers.

R.J. Bostick & Assoc., Inc.

38029 Third St. Willoughby, OH 44094

Contact: Robert J. Bostick, Jr.; Jana Miozzi; Jim Bolino

Phone: (800) 969-2463

Fax: (440) 942-3363

E-mail: bostickjr@rjbostick.com

jmiozzi@rjbostick.com

jbolino@rjbostick.com

An E&S broker that operates in all states with unlimited limits. Will consider all risks but will not write residential contractors. Can also offer excess auto and buffer layers. The A rated carriers are Royal, General Star, Fireman’s Fund, Zurich, Hartford, Chubb, and AIG.

Robert A. Schneider Agency

5620 Smetana Dr., Ste. 225 Minnetonka, MN 55343

Contact: Sue Karkhoff, Bob Raymo

Phone: (952) 938-0655

Fax: (952) 938-0701

Web site: www.rasinc.com

An MGA/E&S broker operating in IA, MN, ND, SD and WI with limits of $5 million (personal) and $80 million (commercial). Will consider all classes and can also offer primary GL. USLI, AIG, Essex, General Star, Guilford, and Fireman’s Fund are the A rated or better carriers.

Roush Ins. Services, Inc.

P.O. Box 1060

Noblesville, IN 46061

Contact: Gail C. Pierce, Anthony Armor

Phone: (317) 776-6891; (800) 752-8402 (IL, IN)

Fax: (317) 776-6891

Web site: www.roushins.com

An MGA operating in IL, IN and OH with limits of $1 million (excess limits available on many classes). Target markets are professional for counselors, day care, environmental, home health care, and exercise studios; E&O available for consultants, computer programmers, appraisers, travel agents, and title agents/abstractors and others. Can also offer property, commercial automobile, employment practices liability, and WC. Evanston, Essex, Scottsdale, Tudor, and Gulf are the A rated or better carriers.

Russell Bond & Co., Inc.

295 Main St., Ste. 866 Buffalo, NY 14203

Contact: Jeff Latki, (Ext. 147); Chris Moyer, (Ext. 149); Mike Kraus, (Ext. 330)

Phone: (800) 333-7226

Fax: (716) 856-0403

E-mail: info@russellbond.com

Web site: www.russellbond.com

An MGA, E&S broker that only offers this product in NY with limits of $50 million and higher, depending on the risk. Will consider most commercial classes, including preferred and distressed/specialty personal umbrella/group personal umbrella. Can also offer primary GL, buffers, and excess liability. All carriers are rated A or above.

Seaboard Underwriters, Inc.

P.O. Box 1478 Burlington, NC 27216

Contact: Flip Hogan

Phone: (800) 222-2407

Fax: (336) 229-1324

Web site:

www.seaboardunderwriters.com

An E&S broker that operates nationwide with limits of $2 million. Target market is truck/transportation (will not write hazardous). Ace and Lloyd’s are the A rated carriers.

S.H. Smith & Co.

41 N. Main St. West Hartford, CT 06107

Contact: Patti Roth, Neu Cross

Phone: (800) 356-0168

Fax: (860) 561-3606

E-mail: pattir@shsmith.com

An MGA that operates in all states with limits of $5 million. Target markets are OL&T light manufacturing, and wholesalers. Will not write truckers and contractors. Chubb is the carrier.

Sunderland Insurance Services

3021 Citrus Circle #220 Walnut Creek, CA 94598

Contact: Kimball Jones, Ext. 110; William Sunderland, Ext. 105; Holly Belknap, Ext. 102

Phone: (925) 942-4020

Fax: (925) 942-4021

E-mail:

casualty@sunderlandins.com

An MGA that operates in all states except AK and HI with limits of $5 million. Target markets are commercial risks only: pizza delivery, contractors fleet, apartment houses, commercial/industrial contractors, restaurants, office buildings, stores, manufacturers, and products. Will not consider personal: no residential contractors for excess CGL; no truckers; no oil patch business. Can also offer excess commercial, excess non-owned auto, and excess GL. United National is the A rated or better carrier.

Superior Access Insurance Services

P.O. Box 57092 Irvine, CA 92619

Contact: Chi Phan

Phone: (800) 272-7550

Fax: (888) 272-7550

Web site: www.superioraccess.com

An MGA/E&S broker that operates in all states with limits from $1 million to $10 million. Target market is broad-based commercial. Will not consider some agricultural, residential GC, public transportation, or health care. AIG is the A rated or better carrier.

Swett & Crawford Group

21650 Oxnard St., Ste. 1400 Woodland Hills, CA 91367

Contact: Use Web site for location

E-mail: info@swett.com

Web site: www.swett.com

An E&S broker operating in all 50 states with limits that vary by account and market. Target markets vary by account/coverage; numerous access points. All carriers are A rated or better.

The Distinguished Programs Group

6 E. 43rd St. New York, NY 10017

Contact: Jim Tesoriero

Phone: (888) 355-4626

Fax: (212) 297-3146

E-mail:

jtesoriero@distinguished.com

Web site:

www. distinguished.com

An MGA that operates in all 50 states with limits of up to $110 million. Target markets are apartments, condos, homeowners associations, office buildings, strip malls, and shopping centers (commercial umbrella only). Will not write business outside of target classes. Can offer property, CGL for the real estate industry. Chubb and Great American are the A rated or better carriers.

United Brokers Inc.

P.O. Box 1243 New Albany, IN 47151

Contact:

Travis Glotzbach, Ext. 108

Phone: (800) 444-4824

Fax: (812) 949-4015

E-mail: travisg@ubinc.com

Web site: www.ubinc.com

An MGA/E&S broker that operates in most states with limits of up to $25 million. Target markets are contractors, habitational, long-haul trucking, and mercantile risks. Can offer package or monoline policies, liquor liability, and auto liability. Acceptance, USLI, and Ohio Casualty are the companies.

W.H. Greene & Associates

400 Quaker Rd. East Aurora, NY 14052

Contact: William H. Greene, III; James S. Stencel; William G. Cote

Phone: (716) 805-1090

Fax: (716) 805-1099

E-mail: mail@whgreene.com

Web site: www.whgreene.com

A wholesale broker that operates in 32 states with limits of $10 million to $100 million on any one risk. Target markets are municipalities, social service agencies, manufacturers, school districts, contractors, wholesalers, retail chains, and large lessors risk schedules. Has only limited capacity for medical malpractice-related exposures, truckers, aircraft liability/products, etc. Can offer primary CGL and GL written in excess of a SIR and excess WC for self-insured risks and group trusts. All carriers are rated A or higher.

Yates & Associates Insurance Services

2100 E. Fourth St., 2nd fl. Santa Ana, CA 92705

Contact:

Vivian Enriquez (Santa Ana), Bob Mestayor (Stockton), Ravi Chopra (Glendale)

Phone:

(800) 660-1125 (Orange County)

(800) 464-7042 (Stockton)

(818) 551-4588 (Glendale)

Web site: www.yates-assoc.com

A wholesale broker/E&S broker that operates in AZ, CA, HI and NV with limits of up to $50 million. Target market is all classes of business (residential contractors only higher layers preferred). Will not consider some large residential contractors at this time. Can offer excess CGL, professional liability, commercial auto liability, and employers liability. Represent numerous carriers.

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