Empire State Brokerage Svcs LLC gives agents and brokers access to a broad suite of Professional Liability Insurance products. Whether your client is a professional services firm, a healthcare provider, or a financial institution, our markets provide flexible solutions designed to address modern negligence, errors & omissions, and management liability exposures.
Coverage Highlights and Available Products
Our professional liability markets deliver protection for claims arising from alleged negligence, errors, omissions, and other professional missteps. Available coverage lines include:
- Directors & Officers (D&O) Liability
- Employment Practices Liability (EPLI)
- Miscellaneous Professional Liability / Errors & Omissions (E&O)
- Media & Publishers Liability
- Medical Professional Liability
- Crime / Fidelity
- Kidnap & Ransom (K&R)
Ideal Accounts and Target Classes
We focus on small- to mid-sized accounts but can handle larger and more complex risks when appropriate. Our appetite spans many industries, including:
- Public, private, and non-profit organizations
- Consulting firms and IT staffing agencies
- Professional service providers—accountants, attorneys, insurance agents
- Real estate professionals, mortgage bankers and brokers
- Medical facilities and allied healthcare providers
- Banks, investment advisors, hedge funds, and insurance companies
Examples of good fits: a small IT consulting firm expanding into new contracts that require E&O limits, or a healthcare startup seeking medical professional liability for clinicians and facilities. If you have a client with unique exposures, our markets often have specialty options to consider.
Underwriting Notes and Minimum Premiums
Minimum premiums depend on class, limits, and underwriting factors and will vary by carrier. To accelerate placement, include a completed application, current financials (if applicable), and at least five years of loss history where available. We work with multiple carriers to provide competitive options and flexible terms.
Territories and Market Availability
Empire State Brokerage places professional liability business in the following states: Connecticut, Florida, Georgia, Indiana, Massachusetts, New Jersey, New York, Pennsylvania, and Rhode Island. Most products are placed on a non-admitted (E&S) basis, depending on the carrier and specific risk profile.
Why Work With Empire State Brokerage Svcs LLC?
As an experienced Excess & Surplus Lines broker, Empire State Brokerage connects agents and brokers to specialized professional liability markets that may be difficult to access directly. Our team focuses on nuanced professional exposures and partners with carriers that offer tailored wordings and flexible terms. We aim to be responsive, solution-oriented, and efficient when placing complex or hard-to-place risks.