Ideal Accounts and Appetite
This program is designed to serve a broad spectrum of professional industries. We actively write accounts in both standard and niche markets, including but not limited to:
- Directors and Officers (D&O) Liability
- Employment Practices Liability (EPL)
- Fiduciary Liability (Pension Trust Liability)
- Crime/Bond Coverage
- Public Officials and Educators Legal Liability
- Financial Institutions E&O, D&O, EPL, PTL, and Crime
- Architects, Engineers, and Contractors Professional Liability
- Pollution and Environmental Liability
- Manufacturers and Custom Design E&O
- Insurance Agents, Brokers, MGAs, TPAs, and Reinsurance Intermediaries E&O
- Technology E&O, Network Security, and Privacy Liability
- Lawyers, Accountants, and Real Estate Professional Liability
- Miscellaneous Professional Liability
- Miscellaneous Medical (Professional only or Combo PL/GL)
- Allied Healthcare Providers (Professional only or Combo PL/GL)
- Distressed Physicians and Dentists
- Managed Care E&O and D&O
- Long-Term Care Facilities (Professional only or Combo PL/GL)
- Sexual Abuse and Molestation Coverage
Coverage Highlights and Advantages
Our Professional Insurance program offers flexible, tailored solutions for both standard and hard-to-place risks. Whether you are looking to cover a tech consultant’s cyber exposures or a nonprofit board's D&O liability, we have access to markets that can structure coverage to suit your client's needs. Combo policies (PL/GL) are available for medical and healthcare-related accounts.
Underwriting Notes and Minimum Premiums
Minimum premiums vary by class and carrier, depending on the complexity and size of the risk. We welcome distressed or non-standard risks, particularly in the healthcare and legal sectors. Submission requirements typically include a completed application, loss history, and detailed description of services offered. Our underwriters are available to assist with pre-submission questions.
Territories and Availability
This program is available in most states, including AL, AR, FL, GA, IL, IN, KY, LA, MA, MI, MN, MO, NJ, NY, and TN. Coverage is typically written on a non-admitted basis, giving us the flexibility to craft solutions for unique or emerging exposures. We work with a wide range of carriers to provide the most competitive and comprehensive options possible.
Why Work With A & B Insurance Solutions LLC
With deep experience in professional liability, A & B Insurance Solutions LLC is your go-to partner for placing both straightforward and complex accounts. Our team understands the nuances of various industries and can match your client with a carrier that fits their specific risk profile. We pride ourselves on responsive service, fast turnaround, and underwriting support that helps you close more deals. Whether you're placing coverage for a solo architect or a regional healthcare group, we’re here to support your success.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for professional services firms, healthcare providers, financial institutions, public entities, and other organizations requiring specialized liability coverage, including distressed accounts.
Can you help with combination PL/GL policies?
Yes, we offer combo Professional Liability and General Liability coverage for eligible healthcare and medical-related risks.
Are you able to place distressed or hard-to-insure risks?
Absolutely. We have markets that specialize in distressed medical professionals, legal professionals, and other challenging classes.
What states is this program available in?
We offer this program in AL, AR, FL, GA, IL, IN, KY, LA, MA, MI, MN, MO, NJ, NY, and TN.
What are the submission requirements?
Typically, we need a completed application, current loss runs, and a detailed description of operations. Our team can assist with pre-submission guidance as needed.
Need help placing an account? Connect with a market specialist.