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
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: email@example.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
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.
550 West Van Buren St., 12th fl. Chicago, IL 60607
Mark Senkbeil (manager),
Phone: (800) 776-7475
Fax: (312) 922-7563
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
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
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
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
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
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
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
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)
(NJ) (800) 772-2207
(Hatboro) (800) 388-0215
(Pittsburgh) (800) 892-5938
(NJ) (973) 377-2430;
(Hatboro) (215) 672-7983;
(Pittsburgh) (412) 366-1760
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
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
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
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
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
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
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
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
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.
8036 Moorsbridge Rd.
Portage, MI 49024
Contact: Cathy Baldwin
Phone: (800) 282-8113
Fax: (269) 327-2620
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.
P.O. Box 41246
Dayton, OH 45441
Contact: Ed Stoermer
Phone: (800) 333-7394
Fax: (937) 433-9946
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
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
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
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
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
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
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
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
Jeffrey R. Kenny (personal), Shannon Davis, (comprehensive personal liability)
Phone: (800) 828-3003
Fax: (650) 780-4835
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
Travis Glotzbach, Ext. 108
Phone: (800) 444-4824
Fax: (812) 949-4015
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
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
Vivian Enriquez (Santa Ana), Bob Mestayor (Stockton), Ravi Chopra (Glendale)
(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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