SPECIALTY LINES MARKETS

EMPLOYMENT PRACTICES
LIABILITY INSURANCE

Litigation spurs continued growth

By Larry France

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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. pig

employment 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. *