If you had a 2,000% increase in auto liability claims filed in the past 10 years you would be alarmed, providing you still had a company contract of course. That is approximately the increase in Employment Practices Liability Insurance (EPLI) cases according to some reviews of this exposure. It is a need that can be filled with comprehensive coverages and prevention programs; but if you don't address it properly, your agents E&O will be the next 2,000% increase.
Judgments of close to $200 million have been awarded in employment practices lawsuits, and it seems that every day additional incidents are eligible to trigger claim payments. The marketplace is reacting with better coverages, intense training, and lower premiums.
Harassment and discrimination come in many forms--sexual harassment, civil rights violations, age discrimination, wrongful termination, and violation of the Equal Pay Act or the Americans with Disabilities Act are a few possibilities.
Recent court cases have ruled that a company or entity could be held liable for acts of its supervisors even though they were not aware of the harassment and could not take action to stop the acts.
The Internet, our constant companion, is in the news. E-mail is flowing into the workplace in the form of adult-oriented, racist, sexist, or other offensive transmitted material. Don't forget that e-mail is discoverable and can be retrieved for a long period of time.
Certain types of businesses have a higher occurrence of EPLI claims. These include: professional offices, such as law offices and stock brokerages; government, local, state, and federal; entertainment risks; supermarkets; hotels/motels.
Today's workforce is a mixture of many different cultures and backgrounds--individuals of different race, religion, ethnic background, economic and social standing, and sexual preference. It matters little if you agree or disagree with an individual's personal views. The employee's legal rights are protected, and if a company violates these rights, it may well wind up in court.
In the case of EPLI placement, you will experience a much different attitude from carriers as opposed to most other coverages. The client is getting loss control services. The path taken with EPLI exposures is prevention, prevention, and prevention. Some providers include legal hotlines with initial free time allotments and additional consultation at a reduced rate.
Underwriting concerns to look for that could increase loss potential are:
* No written and signed acceptance of company sexual harassment policy
* Risks with multiple locations and no consistency in policy from one to the other
* A risk that makes frequent acquisitions that result in layoffs, demotions, and job transfers (Any industry that comes to mind?)
* Low percentage of women or minorities in the workplace or in management
* No human resources training in place for the handling of EPLI complaint and claims
* No employee manual distributed and signed by the employees stating they have read and understood it.
A major exposure and rating factor is the number of employees--which can be broken down into additional classes in the case of temporary or part-time employees. The more employees, the greater the punitive damage award that may be assessed in a judgment. Some programs may include volunteers as well.
EPLI policies can be on an occurrence or claims-made basis. ISO Form EP 00 01 is a claims-made policy. Each type has its advantages and disadvantages depending on the client and carrier. Stand-alone policies and endorsements to existing policies can be placed. Key coverage elements to look for are co-pay provisions, full prior acts, intentional acts exclusions, third-party coverage, downsizing exclusions, wrongful acts, defense inside or outside limits, strikes and lockouts. Some policies will exclude coverage for these; others have provisions to endorse the policy.
In most cases, the CGL will have very limited, if any, coverage for claims arising out of employee-related violations. Check for ISO CG 21 47 Employment Practices Exclusion which excludes any coverage on the CGL.
According to Glenn Clark, CPCU, president of Rockwood Programs, Inc., a subsidiary of E.W. Blanch which has written EPLI since March 1997, "We have registered over $15 million in new accounts on behalf of Gulf and Lloyd's. The biggest hurdle for us has been to teach agents how to sell the product. There is a lot of quoting going on, and the bind ratios are lower than most products. There are a lot of reasons for this including: EPLI is usually a discretionary insurance purchase and you are not quoting against an expiration date; 80% of commercial insureds already think they have the coverage in their GL or D&O; and the normal gestation period between quote and bind is often eight weeks or more.
"Our approach," Clark continues, "has been to provide the agents tools to methodically quote their renewal books. A 24-hour fax-on-demand 'tool kit,' quote indications software, Internet access to quotes, and sample letters requiring a prospect to sign off that his/her agent presented the coverage helps to increase sales, lessen an agent's E&O exposure, and even differentiate his/her renewal quotes from the competition. Rockwood has done some creative things to help insurers that have the need for EPLI (and maybe not the appetite for the risk) to partner with other insurers that specialize in the coverage. E.W. Blanch has been instrumental in developing a 'Write Your Own' EPLI cover backed by 100% reinsurance. We have even helped one of our 'partners' become more competitive in their core GL line by offering an EPLI endorsement that is automatically included in the GL rate."
Limits for employment practices policies start at $25,000 and continue into the high million dollar range depending on the risk and the insurer. Deductibles from $500 to $10,000 are standard with higher retention for qualified clients.
Defense costs in employment practices actions are averaging $40,000 to $50,000, but in some cases $1 million may not be sufficient. If the judgment goes against your client with a large legal bill, policy limits can be exhausted in a short time.
In the marketplace premiums are decreasing, policy enhancements are being made daily, and client areas of exposure are increasing. These three reasons indicate positive reasons to market this product from a profit and professional standpoint.
The Rough Notes Company has recently added a new Career Development Series on EPLI. For information, contact our sales/service representatives at (800) 428-4384.
The following responses to our survey on EPLI markets indicate the availability and capacity of this product.
Automotive Risk Management Insurance Services, Inc.
2087 Grand Canal Blvd., Ste. 12
Stockton, CA 95207
Contact: Jerry Rogers
Phone: (800) 224-6363
Fax: (209) 472-8692
Web site: www.armonline.com
An MGA/wholesaler operating nationwide offering limits of up to
$5 million along with umbrella liability. Target markets include motor vehicle dealer risks, new car dealers, truck and RV dealers. Various A rated carriers are used.
Bolton & Co.
1045 Starks Bldg.
Louisville, KY 40202
Contact: Greg Allgeier
Phone: (800) 292-6597
Fax: (502) 584-6131
E-mail: gaabolton@aol.com
Web site: www.boltonmga.com
An MGA operating in IL, IN,
KY, OH and TN, providing up to
$5 million in limits. Third-party coverage can be included. Various A rated carriers are used.
Brownyard Group
21 Maple Ave., P.O. Box 9175
Bay Shore, NY 11706
Contact: Brendan Brownyard, Torrence Brownyard, or
John Culotta
Phone: (800) 645-5820
Fax: (516) 666-5723
E-mail: brownyards@aol.com
brownyardsgroup@mindspring.com
Web site: www.brownyard.com
An MGA operating in all states with limits from $100,000 to
$1 million per policy. CGL, first- and third-party fidelity, and umbrella/excess available with A rated carriers.
Target markets are security guards, pest control firms, and cleaning maintenance/janitorial services.
Burns & Wilcox, Ltd.
30833 Northwestern Hwy.,
Ste. 220
Farmington, MI 48334
Contact: home office for local branch
Phone: (800) 521-1918
Fax: (248) 932-9050
An MGA/E&S broker operating in all states except AK, HI and NY. All classes are considered for limits of up to $5 million and excess above the primary limit. D&O and fiduciary liability can be offered on the same policy. EPLI can be endorsed to other policies. Occurrence and claims-made forms are available through A rated carriers Evanston, Lloyd's, USLI, Scottsdale, Legion, and AIG.
Carnegie Insurance Service Corp.
17700 Broadway Ave.
Cleveland, OH 44146
Contact: Scot Russell, Ext. 3223 or Scott Wilkinson, Ext. 3205
Phone: (800) 363-2411
Fax: (440) 439-5551
E-mail: cisco@stratos.net
An MGA/E&S broker operating in FL, IL, IN and OH providing limits up to $10 million with various A rated carriers. All classes are considered with nonprofit D&O, medical offices, and day care as target markets.
Carpenter Moore Insurance Services
530 Washington St.
San Francisco, CA 94111
Contact: Kristie Parrott
Phone: (415) 433-1001
Fax: (415) 433-5148
Web site: www.cmis.com
A wholesale surplus lines broker operating in most states except NY, PA, TX and VA. A rated carriers
are used to provide limits of up to $100 million. D&O, E&O, and fiduciary liability are also available. All classes are considered.
Central Insurex Agency, Inc.
800 S. Washington St.
Van Wert, OH 45891
Contact: Deb Moser or Kurt Muntzinger, CIC, CPCU
Phone: (800) 736-7131
Fax: (800) 736-7026
E-mail: DebM@Central-Insurance.com
KurtM@Central-Insurance.com
A general agent/E&S broker operating in AZ, GA, IL, IN, NC, OH, OK, TN, MA and VA. Target markets include businesses with 750 or fewer employees, nonprofit and professional corporations. No governmental units are considered. Limits of up to $1 million are available through A rated carriers Evanston / Markel American Insurance.
Century Surety Group
2400 Corporate Exchange Dr., Ste. 290
Columbus, OH 43231
Contact: Mike Stith, AVP, General Manager, Northern Region; Randy Williams, VP, General Manager, Western Region; Al Parraga, VP, General Manager, Southern Region
Phone: (800) 878-7389
Fax: (614) 895-7036
Web site: www.centurysurety.com
An insurer operating in all states except MA, ME, NH, NY and RI. Target markets are risks with up
to 100 employees. Limits of up to
$1 million are offered through A rated carriers Century Surety and Evergreen National Indemnity Company. EPLI can be packaged with CGL and property coverages.
Charity First
P.O. Box 19344
San Francisco, CA 94119
Contact: Mike Komar
Phone: (800) 352-2761
Fax: (415) 536-8561
E-mail: mikekomar@ajg.com
Web site: www.charityfirst.com
An underwriting manager operating in all 50 states providing up to $10 million in liability limits with A rated carriers Executive Risk and United States Liability Insurance. Target markets include nonprofit organizations.
Concord Insurance Brokerage, Inc.
135 Kinnelon Rd., Ste. 102
Kinnelon, NJ 07405
Contact: Michele Raoul
Phone: (973) 492-6500
Fax: (973) 492-0222
E-mail: micheler@bwins.com
Web site: www.concordins.com
An MGA/wholesale broker operating in all states targeting all classes except governmental entities. Limits of up to $10 million are available through A rated carriers Markel American, Evanston Insurance, Reliance, Lloyd's, Gen Star, and Executive Risk. Punitive damages, prior acts, third-party coverage, defense and independent contractors can be added.
Continental/Marmorstein & Malone
P.O. Box 586
Paramus, NJ 07552
Contact: Commercial Underwriting Department
Phone: (800) 932-0849
Fax: (205) 897-3739
An MGA/E&S broker operating in New Jersey and New York. Limits of up to $1 million on primary with higher limits of excess available. Coverage includes claims by venders and independent contractors for sexual harassment. No exclusions for downsizing, plant closings, libel, slander, emotional distress, and mental anguish. Coverage includes temporary employees. Most classes are eligible. A rated carriers include United States Liability Insurance Company, Pacific Insurance Company, Chubb Custom, and Lloyd's.
Cooney, Rikard & Curtin, Inc.
P.O. Box 59689
Birmingham, AL 35259
Contact: Professional Liability Department
Phone: (800) 824-1709
Fax: (205) 879-3739
Web site: www.crcins.com
An MGA operating in all 50 states with limits of up to $100 million. All classes considered including law firms, physicians, and PEOs. In-house programs for under 250 employees with D&O and E&O. Various A rated carriers are used.
Corporate Advisors Inc.
P.O. Box 429
McHenry, IL 60051
Contact: Kenneth Hill, President.
Phone: (815) 363-6930
Fax: (815) 363-6931
E-mail: corpadvsrs@aol.com
An E&S broker operating in all states offering limits of up to
$5 million. A rated carriers include Carolina Casualty, Admiral, and Nautilus. D&O, E&O, crime bonds, and management liability (D&O and EPLI in one form) also are available.
Donald Gaddis Co., Inc.
150 S. Wacker Dr., Ste. 600
Chicago, IL 60606
Contact: Christopher Gaddis
Phone: (312) 853-0071
Fax: (312) 853-1033
An E&S broker operating in Illinois and Wisconsin, providing coverage with A rated carriers Evanston, Reliance, and Pacific Insurance Company. Limits will vary with the risk. Third-party liability also is available.
Executive Risk Management Associates
82 Hopmeadow St.
Simsbury, CT 06070
Contact: Heather Beaupre Marketing/Communications
Phone: (800) 432-8168
Fax: (860) 408-2288
E-mail: info@exerisk.com
Web site: www.exerisk.com
An A rated insurer operating in
all states with limits of up to
$50 million. Company form includes third-party-liability coverage. D&O, professional liability, FLEX (floating excess), crime and fiduciary insurance is available for all classes.
First State Management Group, Inc.
150 Federal St.
Boston, MA 02110
Contact: Jim Seward
Phone: (617) 526-7792
Fax: (617) 526-0612
E-mail: jimseward@the-hartford.com
Web site: www.firststateins.com
An insurer (Pacific Insurance Company, LTD--A rated) operating on a nationwide basis. Limits of up to $10 million are standard with higher limits available with facultative. Target market is 100 employees and above. Coverages contain broad definition of wrongful acts, insured, and full prior acts. Third-party coverage and punitive damages are available by endorsement. Loss control services also are available.
G.A. Mavon & Co.
10 W. Chicago Ave.
Hinsdale, IL 60521
Contact: Bill Wilson
Phone: (800) 946-2866
Fax: (630) 654-4447
An E&S/wholesale broker operating in IL, IN and WI offering limits up to $5 million with A rated carriers Evanston, Executive Risk, USLI, Chubb, and Genesis. All classes are considered except governmental, bars, and nightclubs. Coverage for third-party liability sexual molestation (with sub-limits), doctors, dentists and lawyers EPLI with client discrimination is available.
Gateway Underwriters Agency
755 S. New Ballas Rd., Ste. 130
St. Louis, MO 63141
Contact: Bob Smeltz or
Carl Bartlotti
Phone: (800) 325-7652
Fax: (314) 567-4552
An MGA/surplus lines broker operating in AR, IA, IL, KS, MO and NE with limits of up to $10 million placed with A rated carriers Mt. Vernon Fire, U.S. Liability, Scottsdale, Tudor Insurance, American Equity, Lexington, and Executive Risk. Other coverages include prior acts, punitive damages, back wages, and defense outside the limit of liability. All sizes and classes are considered.
Great American Insurance Company
1515 Woodfield Rd., Ste. 500
Schaumburg, IL 60173
Contact: Mike Levins, Executive Liability Division
Phone: (847) 330-6750
Fax: (847) 330-6890
An insurer, A rated, operating in all 50 states, DC and Canada offering up to $50 million for middle market companies and nonprofit organizations.
Gulf Insurance Group
388 Greenwich St., 21st Floor
New York, NY 10013
Contact: Meryl Groudan
Phone: (212) 816-3700
Fax: (212) 816-5556
Consisting of A rated carriers Gulf Insurance Company, Gulf Underwriters Insurance, Atlantic Insurance Company, and Select Insurance Company, this insurer offers $25 million in all 50 states. All classes considered; target market is over 1,000 employees. Also third-party discrimination and response management for adverse developments offered.
H.R. Keller & Company, Inc.
1520 Sheridan Dr.
Buffalo, NY 14217
Contact John Barton or Rob Martin
Phone: (800) 424-2202
Fax: (716) 874-4920
An MGA/wholesaler operating in New York, placing coverages with various carriers. Target markets include mid-sized commercial operations and financial institutions. A comprehensive stand-alone EPLI policy is offered. Other coverages include D&O, E&O, and professional liability.
ISG International
204 Cedar St.
Cambridge, MD 21613
Contact: Scott Schleicher
Phone: (800) 336-5659
Fax: (410) 228-7645
Web site: www.ccbsure.com
An agency operating in all 50 states offering up to $2 million in limits placed with Pacific Insurance Company, A rated. Target market is computer consultants but will consider other classes.
Jacobs-Burke & Associates, Inc.
8221 Brecksville Rd., Bldg. 4
Brecksville, OH 44141
Contact: Jim Jacobs
Phone: (440) 838-1870
Fax: (440) 838-0742
E-mail: jacbur@earthlink.net
An E&S broker operating in Ohio, offering up to $3 million in limits. Municipalities are not written. A rated carriers include Mt. Vernon, Evanston, Gulf Insurance Group, and Scottsdale.
Jimcor Agencies
15 Ver Valen St.
Closter, NJ 07624
Contact: Coryn Mastowski
Phone: (201) 784-8900
Fax: (201) 784-7901
An MGA/E&S broker operating in the Northeastern states offering up to $5 million in limits. A rated carriers include USLI, Evanston, and Scottsdale. Special EPLI coverage is available with other specialty coverages to form a Medical Providers Program along with incidental professional coverages.
L.E. Harris Agency, Inc.
P.O. Box 8330
Langley Park, MD 20787
Contact: Mark Baldwin
Phone: (301) 439-4700
Fax: (301) 439-5800
An MGA/E&S broker operating in the Mid-Atlantic region offering up to $5 million in limits. All classes are considered. D&O and E&O are available. Various A rated carriers are utilized.
Lexington Insurance Company
200 State St.
Boston, MA 02109
Contact: Mark Ogilvie
Phone: (617) 443-4644
Contact: Peter Thorne
Phone: (617) 330-8324
Fax: (617) 951-0067
An A rated insurer operating in all states, except Delaware, providing up to $100 million in liability limits. Other coverages include E&O, property, medical malpractice, architects & engineers professional liability and GL. Integrated
risk management services and specialized coverages for professional entities, groups, collectives and PEOs/alternatives and staffing agencies are available.
London American General Agency, Inc.
10085 Carroll Cyn Rd., Ste. 100
Escondido, CA 92131
Contact: Chris Christian, CIC, or Mark Maucere
Phone: (619) 547-9000
Fax: (619) 547-9199
An MGA operating in all 50 states offering limits of up to $5 million. Target markets include lawyers, temporary and leasing agencies, and all standard classes. Various carriers are used. D&O, professional liability, and CGL are available.
Metcom Express
P.O. Box 3140
Cliffside Park, NJ 07010
Contact: Charles McCloskey, Jr.
Phone: (800) 521-1717
Fax: (201) 945-0724
An MGA/E&S broker operating in NJ, NY and PA offering $5 million in limits. Carriers include Executive Risk, Evanston, Preferred, and Seneca.
Monitor Liability Managers, Inc.
2850 W. Golf Rd., Ste. 800
Rolling Meadows, IL 60008
Contact: Derek Lucas
Phone: (847) 806-6590
Fax: (847) 806-6282
Web site: www.monitorliability.com
An underwriting manager operating in all 50 states providing limits of up to $5 million with A rated Admiral Insurance Company. Most classes are considered (contact for a prohibited list). Products include management liability insurance which is a combination of EPLI and D&O. Legal hotline available.
National Insurance Professionals Corporation
1040 N.E. Hostmark St., Ste. 200
Poulsboro, WA 98370
Contact: Darlene Scott or
Bonnie North
Phone: (800) ASK-NIPC
Fax: (360) 697-3688
E-mail: insurance@nipc.com
Web site: www.nipc.com
A program administrator operating in most states providing limits up to $1 million with various A rated carriers on an admitted and nonadmitted basis. Target markets include municipalities, nonprofit organizations, governmental entities, schools and law firms. Other coverages include wrongful recrimination, discrimination, sexual harassment, and whistle blowers claims.
National Specialty Underwriters, Inc.
155 108th St., Ste. 501
Bellevue, WA 98004
Contact: Hans P. Christenson
Phone: (425) 450-1090
Fax: (425) 450-1026
E-mail: hchristenson@nsui.com
Web site: www.nsui.com
A program administrator operating in all states except New Hampshire with limits up to $25 million. Target markets include non-hospitality business. Genesis, A rated, is the carrier.
North Island Facilities, LTD./NIF Services
30 Park Ave.
Manhasset, NY 11030
Contact: David L. Vicari, Sr. VP
Phone: (800) 664-3776
Fax: (516) 365-7392
E-mail: nifpro@aol.com
Web site: www.nifpro.com
An MGA/Specialty Intermediary operating in all states except AK, HI and WA with limits up to $250 million. All classes are considered. D&O can be combined for private companies and nonprofits. All carriers are A rated.
Pennock Insurance, Inc.
P.O. Box 2000
Chadds Ford, PA 19317
Contact: Roberta Ferraris
Phone: (800) 662-5182
Fax: (610) 358-3449
E-mail: pennock-ins.net
An MGA/E&S broker operating in DC, DE, MD, NJ, PA and VA and offering limits of up to $10 million for all classes. All carriers are A rated. Professional liability and D&O are available.
Phoenix Excess & Surplus Lines, Inc.
P.O. Box 7386
West Trenton, NJ 08628
Contact: Mary Perri
Phone: (800) 334-1357
Fax: (609) 538-0661
E-mail: mail@phoenixins.com
Web site: www.phoenixins.com
An E&S broker operating in NJ, NY and PA offering limits of up to
$25 million with various A rated carriers. Policy contains no coinsurance, defense plus, full prior acts, punitive damages where applicable, third party, no downsizing exclusion, duty to defend, insured may choose counsel, loss control-risk management and hotline service available.
Princeton Risk Managers, Inc.
201 Wall St. Research Park
Princeton, NJ 08540
Contact: Jim Griffith or
Audrey Tate
Phone: (609) 924-9222
Fax: (609) 924-8155
E-mail: prmtiger@aol.com
An E&S broker operating in CT, NJ, NY and PA with limits of up to
$1 million plus excess. A rated carriers are Chubb Custom Insurance and Evanston. All classes are considered including law firms and medical professionals. D&O, fiduciary liability, and professional liability are also available.
Professional Risk Company
600 University St.,
2501 One Union Square
Seattle, WA 98101
Contact: Patrick Campbell,
Exec. VP
Phone: (206) 621-8808
Fax: (206) 682-9176
An MGA exclusively on behalf of Fireman's Fund, A rated. Target markets include public entities, attorneys and employee leasing. Full risk management services are included in each policy. Limits are up to $5 million/$5 million.
Quaker Special Risk
P.O. Box 415
Sea Girt, NJ 08750
Contact: Tom Murphy, RPLU or Mike Walsh, AAI
Phone: (800) 447-4180
Fax: (732) 223-9072
E-mail: tmurphy@qsr-insurance.com
Web site: www.qsr-insurance.com
An E&S broker operating in CO, CT, DE, FL, GA, MA, MD, ME, NC, NH, NJ, NM, NY, PA, RI, SC, VA, and VT. Limits of up to $10 million on primary and excess up to $25 million are placed with A rated carriers USLI, Markel, Evanston, Pacific, Admiral, Reliance, and Commercial Underwriters. All classes are considered including law offices, and accounts with claims. Target risks are 2 to 5,000 employees.
R.J. Bostick & Associates, Inc.
38029 Third St.
Willoughby, OH 44094
Contact: Jana L. Shippitka, AVP
Phone: (800) 969-2463
Fax: (440) 942-2626
E-mail: jshippitka@rjbostick.com
An E&S broker operating in all states offering up to $25 million for all classes. All carriers are A rated. Other coverages include D&O and D&O/EPLI package.
Rockwood Programs, Inc.
228 Philadelphia Pike
Wilmington, DE 19809
Contact: Darryl McCallin
Phone: (302) 756-6000
Fax: (302) 764-5477
E-mail Darryl-McCallin@EWB.com
Web site: rockwoodinsurance.com
An MGA operating in all states, 44 admitted and 6 nonadmitted. Gulf Insurance and Lloyd's, both A rated are the carriers providing up to
$5 million on limits. Target markets include General Partners Liability and Insurance D&O and E&O. No classes are excluded for risks with 10 to 1,000 employees.
Roehrig & MacDuff
100 2nd. Ave. S., Ste. 601
St. Petersburg, FL 33701
Contact: Sara Todd or
Dottie Dulhagen
Phone: (800) 456-6366
Fax: (727) 823-4488
An MGA/E&S broker operating in Florida. Carriers include Essex, National Union, Travelers, Zurich Group, Lexington, Lloyd's and Virginia Surety.
Roush Insurance Services, Inc.
P.O. Box 1060
Noblesville, IN 46061
Contact: Gail Pierce
Phone: (800) 752-8402
Fax: (317) 776-6891
An MGA operating in Illinois
and Indiana, offering limits up to
$1 million. Most classes are considered; coverages available include D&O liability and CGL. A rated carriers are Scottsdale Insurance Company and Tudor Insurance Company.
Russell Bond & Company, Inc.
295 Main St., 866 Elliott Sq.
Buffalo, NY 14203
Contact: Tonya Holleberger,
Ext. 133
Tonya Ambrose, Ext. 143
Phone: (800) 333-7226
Fax: (716) 856-0403
E-mail: info@rbcoins.com
An MGA/E&S broker operating in New York and surrounding states offering limits up to $10 million with A rated carriers. All risks considered. Coverage is written monoline or with D&O, school board liability, and public officials. Option to include EPLI with CGL is available.
S.H. Smith & Company
41 N. Main St.
West Hartford, CT 06107
Contact: Mark Mullarkey
Phone: (800) 356-0168
Fax: (860) 561-3606
Web site: www.@shsmith.com
An MGA/E&S broker operating
in all states providing limits of up to $10 million for all classes. A rated carriers include Executive Risk, U.S. Liability, Genesis, AIG, Zurich, Chubb, and Northland. D&O and professional liability are also offered.
SIRPRO
411 E. 3rd
Eugene, OR 97401
Contact: Ron Cramer or
Judd Feldman
Phone: (888) 474-7776
Fax: (541) 485-3946
E-mail: judd@sirpro.com
An MGA/wholesaler operating in most states except the Northeast offering limits up to $50 million on all lines of liability for public entities with SIRs, no first dollar. A rated carriers are Gulf Underwriters and Reliance National.
Surplus Insurance Brokers Agency, Inc.
P.O. Box 749
South Bend, IN 46624
Contact: Carol Dhoore
Phone: (800) 342-5706
Fax: (800) 578-7758
An MGA operating in Indiana with limits of $1 million/$2 million. Carriers include Scottsdale and New Hampshire.
Swett & Crawford Group, Corporate Headquarters
21650 Oxnard St., Ste. 1600
Woodland Hills, CA 91367
Contact: David Hartock
Phone: (818) 348-7026
Fax: (818) 227-3400
E-mail: david-hartock@swett.com
Web site: Woodlandhills_info@swett.com
An MGA/E&S broker operating in all states along with foreign exposures. Limits of up to $100 million are available through various A rated carriers. All sizes of risks are considered. D&O, E&O, and fiduciary bonds are available.
Branch offices are as follows:
Arizona
14040 N. Cave Rd., Ste. 307
Phoenix, AZ 85022
Contact: Layne Peckham
Phone: (602) 867-4100
Fax: (602) 867-2802
E-mail: layne_peckham@swett.com
Web site: www.Phoenix_info@swett.com
California
1318 East Shaw Ave., Ste. 280
Fresno, CA 93710
Contact: Kathy Schroeder
Phone: (559) 227-3535
Fax: (559) 227-9449
E-mail: kathy_schroeder@swett.com
Web site: www.Fresno_info@swett.com
515 South Figueroa St., Ste. 600
Los Angeles, CA 90071
Contact: Lori Hunter
Phone: (213) 439-3400
Fax: (213) 439-3449
E-mail: lori_hunter@swett.com
LosAngeles_info@swett.com
3501 Jamboree Rd., Ste. 3500
Newport Beach, CA 92660
Contact: Mike Foley
Phone: (949) 737-7354
Fax: (949) 856-1743
E-mail: mike_foley@swett.com
Web site: www.NewportBeach_info
@swett.com
Colorado
2260 S. Xanadu Way, Ste. 330
Aurora, CO 80014
Contact: Kent Strong
Phone: (303) 755-5775
Fax: (303) 755-6250
E-mail: kent_strong@swett.com
Web site: www.Aurora_info@swett.com
Florida
18167 U.S. Hwy., 19 N., Ste. 330
Clearwater, FL 33764
Contact: James Levine
E-mail: james_levine@swett.com
Web site: www.Clearwater_info@swett.com
1001 Brickell Bay Dr., Ste. 1100
Miami, FL 33131
Contact: Jorge Andino
Phone: (305) 372-9950
Fax: (305) 372-1455
E-mail: jorge_andino@swett.com
Web site: www.Miami_info@swett.com
Georgia
7230 McGinnis Ferry Rd., Ste. 300
Suwanee, GA 30024
Contact: Terri Small
Phone: (770) 813-6220
Fax: (770) 813-6363
E-mail: terri_small@swett.com
Bryson Associates, Inc., of Georgia
200 Northcreek, Ste. 800
3715 Northside Pkwy., N.W.
Atlanta, GA 30327
Contact: J. Neal Abernathy
Phone: (404) 240-5200
Fax: (404) 240-5393
E-mail: neal_abernathy@swett.com
Web site: www.Atlanta_info@swett.com
Hawaii
1188 Bishop St., Ste. 2409
Honolulu, HI 96813
Contact: Jean Silberstein
Phone: (808) 545-2401
Fax: (808) 545-2307
E-mail: jean_silberstein@swett.com
Web site: www.Honolulu_info@swett.com
Idaho
9196 W. Barnes Dr.
Boise, ID 83709
Contact: Jerry Pollard
Phone: (208) 376-1161
Fax: (208) 376-1165
E-mail: jerry_pollard@swett.com
Web site: www.Boise_info@swett.com
Maine
50 Monument Sq.
Portland, ME 04101
Contact: Peter Dumas
Phone: (207) 774-3857
Fax: (207) 772-3528
E-mail: peter_dumas@swett.com
Web site: www.Portland_info@swett.com
Massachusetts
40 Broad St., Ste. 510
Boston, MA 02109
Contact: Gary Joyal
Phone: (617) 482-4511
Fax: (617) 482-4635
E-mail: gary_joyal@swett.com
Web site: www.Boston_info@swett.com
Michigan
1769 S. Telegraph Rd., Ste. 200
Bloomfield, MI 48302
Contact: James Walker
Phone: (248) 333-0500
Fax: (248) 333-1710
E-mail: james_walker@swett.com
Web site: www.Bloomfield_info@swett.com
Missouri
611 Olive St., Ste. 1600
St. Louis, MO 63101
Contact: Mary McKay
Phone: (314) 231-9470
Fax: (314) 621-5091
E-mail: mary_mckay@swett.com
Web site: www.St.Louis_@infoswett.com
Nevada
The Executive Center
1105 Terminal Way, Ste. 202
Reno, NV 89502
Contact: Pat Santina
Phone: (702) 323-8828
Fax: (702) 323-5540
Web site: www.Reno_info@swett.com
New Jersey
Fairway Corporate Center 2
4350 Haddonfield Rd.
Pennsauken, NJ 08108
Contact: Mike DeStefano
Phone: 9 (609) 488-5545
Fax: (609) 488-5266
E-mail: mike_destefano@swett.com
Web site: www.Pennsauken
_info@swett.com
New York
Wall Street Plaza
88 Pine St., 10th Floor
New York, NY 10005
Contact: Gary Ricker
Phone: (212) 742-9730
Fax: (212) 363-6494
E-mail:
gary_ricker@swett.com
Website: www.NewYork_info@swett.com
Bryson Associates, Inc.
Two Wall St., 10th Floor
New York, NY 10005
Contact: Maureen C. Caviston
Phone: (212) 701-9745
Fax: (212) 791-9646
E-mail: maureen_caviston@swett.com
Web site: www.NewYork_info@swett.com
Pine Street Management Company
Wall Street Plaza
88 Pine St., 10th Floor
New York, NY 10005
Contact: Luis D. Roman
Phone: (212) 742-9792
Fax: (212) 742-9594
E-mail: luis_roman@swett.com
Web site: www.NewYork_info@pinestreetmgt.com
North Carolina
4900 Kroger Blvd., Ste. 265
Greensboro, NC. 27407
Contact: Sandy Turner
Phone: (336) 852-7882
Fax: (336) 852-1494
E-mail: sandy_turner@swett.com
Web site: www.Greensboro_info@swett.com
Ohio
Bryson Associates, Inc.
1500 Chiquita Center,
250 E. Fifth St.
Cincinnati, OH 45202
Contact: Gary E. Frohn
Phone: (513) 762-7626
Fax: (513) 762-7601
E-mail: gary_frohn@swett.com
Web site: www.Cincinnati_info@
swett.com
Oregon
5 Centerpointe Dr., Ste. 100
Lake Oswego, OR 97035
Contact: Bob Harty
Phone: (503) 968-8708
Fax: (503) 968-9108
E-mail: bob_harty@swett.com
Web site: www.LakeOswego_info
@swett.com
Pennsylvania
Rose Tree Corporate Center II
1400 N. Providence Rd., Ste. 6035
Media, PA 19063
Contact: Dave Woodard
Phone: (610) 891-7171
Fax: (610) 891-7182
E-mail: dave_woodward@swett.com
Web site: www.Media_info@swett.com
Bryson Associates, Inc.
100 West Ave., Beaver Hill South
Jenkintown, PA 19046
Contact: William D. Trumbower
Phone: (215) 576-1500
Fax: (215) 884-2869
E-mail: william_trumbower@swett.com
Web site: www.Jenkintown_info@
swett.com
Texas
Renaissance Tower
1201 Elm St., Ste. 5353
Dallas, TX 75270
Contact: Simon Bancroft
Phone: (800) 442-0812
Fax: (214) 672-2700
E-mail: simon_bancroft@swett.com
Web site: www.Dallas_info@swett.com
J.W. Blades & Company, Inc.
520 Post Oak Blvd., Ste. 250
Houston, TX 77027
Contact: George Howard
Phone: (713) 780-8770
Fax: (713) 780-2851
E-mail: george_howard@swett.com
Web site: www.Houston_info@swett.com
Utah
310 E. 4500 South, Ste. 660
Salt Lake, UT 84107
Contact: Brenda Pierce
Phone: (801) 266-5199
Fax: (801) 268-9116
E-mail: brenda_pierce@swett.com
Web site: www.SaltLake_info@swett.com
Virginia
Transportation Department
4050 Innslake Dr., Ste. 161
Glen Allen, VA 23060
Contact: Judy Stevens
Phone: (804) 968-5415
Fax: (804) 762-9235
E-mail: judy_stevens@swett.com
Web site: www.GlenAllen_info@swett.com
Washington
2001 6th Ave., Ste. 2500
Seattle, WA 98121
Contact: Mike Hamby
Phone: (206) 448-9400
Fax: (206) 448-1757
E-mail: mike_hamby@swett.com
Web site: www.Seattle_info@swett.com
Transportation Department
305 Flora St.
Bellingham, WA 98225
Contact: Ken Robinette
Phone: (360) 671-0500
Fax: (360) 671-3959
E-mail: ken_robinette@swett.com
Web site: www.Bellingham_info@swett.com
U.S. E&O Brokers
820 Gessner, Ste. 1580
Houston, TX 77024
Contact: Ronald Jones
Phone: (800) 460-6424
Fax: (713) 984-1370
Web site: www.useo.com
An agency providing up to $5 million on liability limits for insurance agents E&O. A rated carriers are Executive Risk and Cigna. Agency operates in all 50 states.
U.S. Risk Group, Inc.
10210 N. Central Expwy., Ste. 500
Dallas, TX 75231
Contact: Caren Patton, Jay Alston, Jean Keur, and Keli Eddings
Phone: (800) 232-5830
Fax: (214) 739-1421
An MGA operating in all 50 states providing limits of up to $10 million with A rated carriers Lloyd's, St. Paul, CNA, and Zurich. Program includes full prior acts, wrongful acts, pay on behalf of, insured may choose own defense counsel, no downsizing exclusion, no intentional acts exclusions, and loss control services.
United Brokers, Inc.
P.O. Box 1243
New Albany, IN 47151
Contact: Tricia Coffey, Ext. 112
Phone: (800) 444-4824
Fax: (812) 949-4015
An MGA offering up to $2 million liability limits in all states except Louisiana and Alabama with A rated carrier United States Liability Insurance. Target markets are insurance agents E&O and medical offices. Nonprofit D&O is also offered.
Victor O. Schinnerer & Company Inc.
2 Wisconsin Circle
Chevy Chase, MD 20815
Contact: John Rapp
Phone: (301) 961-9800
Fax: (301) 951-5444
E-mail: info@schinnerer.com
Web site: www.schinnerer.com
An underwriting manager operating in all 50 states providing up to $5 million of liability limits, higher limits on an individual basis. A rated CNA is the carrier for EPLI coverage on design professionals, architects and engineers. Other coverages include defendant reimbursement for loss of earnings and circumstance reporting.
Westport Insurance Company
5200 Metcalf
Overland Park, KS 66201
Contact: Ron Kettner, CPCU
Phone: (800) 255-6931
E-mail: Westportins.com
An A rated insurance company providing up to $5 million on an
open brokerage basis in most
states. Target markets include middle-sized risks including insurance agents, manufacturers, distributors and wholesalers, with a range of 50 to 500 employees. Other coverages include professional liability and E&O products. *