Insurance Companies

Comprehensive Insurance Company Liability Coverage from Capitol Special Risks

Insurance companies face professional and management liability exposures that go beyond a standard E&O policy. Capitol Special Risks offers a specialized program to help you place tailored protection for carriers, reinsurers, captives, and insurance entities with complex ownership or affiliated distribution channels. Through our market relationships we can combine multiple coverages into a single, streamlined solution.

Ideal Accounts and Appetite

This program is designed for licensed insurance carriers and insurance-related entities, including:

• Domestic insurance companies and regional carriers
• Captive insurers
• Reinsurers and risk retention groups (RRGs)
• Insurance companies that own or are affiliated with agencies or brokerages

We have appetite for accounts with affiliated distribution or multi-entity structures. Accounts with simple operating models and standard underwriting practices typically fit best; complex regulatory or high-excess liability situations may require additional review.

Coverage Highlights and Advantages

Capitol Special Risks places professional and management liability programs that can combine multiple coverages in one policy form, reducing gaps and simplifying placement. Common coverages include:

• Errors & Omissions (E&O)
• Directors & Officers (D&O)
• Employment Practices Liability (EPL)
• Network Security & Privacy Liability
• Fiduciary Liability

Policies are available on a primary or excess basis with limits up to $5,000,000. In many cases coverage can be extended to affiliated agencies or brokerages owned by the insured to provide a more comprehensive program structure.

Underwriting Notes and Minimum Premiums

Underwriting considers the type of insurer, lines underwritten, claims history, ownership structure, and distribution relationships. Program minimum premiums vary by account size and risk profile. We aim for an efficient underwriting process and fast turnaround on quotes. Capitol Special Risks does not charge broker fees on this program.

Territories and Availability

This program is available in most U.S. jurisdictions. Some markets are admitted depending on the risk and state. Coverage is available in the following states: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY.

Why Work With Capitol Special Risks?

Capitol Special Risks is a wholesale broker with decades of experience placing professional and management liability for insurance industry clients. We offer:

• Access to multiple competitive markets and flexible program structures
• Combined coverage solutions to reduce gaps between policies
• Responsive service and fast quote turnarounds
• No broker fees on this program

Example scenarios you might place through this program:

• You represent a regional carrier that needs a combined E&O/D&O package for its corporate parent and an owned retail agency—this program can provide a single policy that addresses both exposures.
• You have a captive insurer or an RRG with a unique ownership structure and want excess management liability with network security coverage—Capitol Special Risks can access markets that specialize in those blended solutions.

If you have a client in the insurance industry who needs broad, coordinated protection, connect with a market specialist to discuss placement and available markets.