Overview of the Program From Eastern Special Risk Insurance Agency
Eastern Special Risk Insurance Agency offers a focused Forensic Professional Liability program designed for part- and full-time forensic experts. This program places professional liability coverage (post-occurrence exposures only) through Lexington Insurance Company, with limits available up to $1,000,000 per claim / $3,000,000 aggregate. It is built for agents who need a straightforward market for forensic and technical experts with competitive pricing and low minimums.
Ideal Accounts and Appetite
This program targets practicing forensic professionals and expert witnesses across most technical and medical classes. Typical classes that fit well include:
- Engineers
- Accident reconstruction specialists
- Physicians
- Surgeons
- Dentists
- Insurance industry experts
- Most other professional classifications providing expert services
Accounts with clear, documented expert credentials and a history of retained expert work are preferred. The program is not intended for firms that require broad package forms (GL/PL combined) or for high-frequency expert placements without individual underwriting review.
Coverage Highlights and Advantages
- Professional liability only — tailored to expert witness and forensic exposures.
- Post-occurrence exposures only, with limits available up to $1M/$3M.
- Access to Lexington Insurance Company capacity through Eastern Special Risk Insurance Agency.
- Designed for part-time and full-time experts; flexible for single-expert practices or small groups.
- Competitive pricing with relatively low minimum premiums for eligible accounts.
Underwriting Notes and Submission Guidance
Underwriting focuses on the expert’s background, scope of expert services, fee structure, and claims history. Typical items to include with a submission are a brief application or cover letter outlining services, CVs or résumés for the experts, and current loss runs or claims history where applicable. Because this program provides post-occurrence exposures only, discuss prior acts/retro date requirements with underwriting at placement.
Accounts with ongoing high-volume forensic placements or those requiring coverage beyond professional liability (for example, general liability or cyber) will generally need alternate placement or a supplemental market.
Territories and Availability
This program is available in the states listed with the storefront and through Eastern Special Risk Insurance Agency’s wholesale distribution. Please confirm state availability for a specific account at submission; underwriting and state filing considerations may apply.
Why Work With Eastern Special Risk Insurance Agency on This Business
Eastern Special Risk Insurance Agency combines targeted underwriting for forensic professionals with access to Lexington Insurance Company’s capacity. That pairing makes it a practical option for agents seeking a specialized professional liability market for expert witnesses and forensic consultants. The program’s underwriting is pragmatic and service-oriented, which helps move placements efficiently for qualified accounts.
Example Account Scenarios
- You have a civil/forensic engineer who provides accident reconstruction and expert testimony on a part-time basis. They need professional liability limits and prefer an occurrence-oriented placement. This program is a strong fit.
- A dental expert witness with several retained cases per year wants standalone professional liability coverage with competitive premiums and limits to $1M/$3M — this program can be presented for placement consideration.
Frequently Asked Questions
What types of accounts are a good fit for this Forensic Professional Liability program?
Independent experts and small practices that provide forensic opinions or expert witness services — engineers, accident reconstruction specialists, physicians, dentists, and similar professional classes. The program is best for accounts seeking professional liability only and occurrence/post-occurrence exposures.
What limits and forms are available?
Limits are available up to $1,000,000 per claim / $3,000,000 aggregate. Coverage is professional liability only and written for post-occurrence exposures. Contact underwriting for specific form language and options.
What submission materials does Eastern Special Risk typically request?
Provide a short application or cover letter describing services, CVs or résumés for the experts, and current loss runs or a claims history summary if available. Additional documents may be requested based on the scope of services and prior exposure.
Is this program available nationwide?
The program is available in the states listed on the storefront. State availability can be confirmed at the time of submission; certain filings or state-specific requirements may affect placement.
How do I get started with a submission?
Send a summary of the expert’s services, CV, and any claims history to Eastern Special Risk Insurance Agency’s underwriting team. They will review eligibility and advise on next steps, terms, and any additional information needed for placement with Lexington Insurance Company.
Need help placing an account? Connect with a market specialist.