Ideal Accounts and Appetite
This program is structured to place both common and harder-to-place professional risks. We handle everything from smaller local practices to larger, complex accounts. If you represent firms that provide professional advice or services, our markets are likely to have options that fit.
Target Classes Include:
• Directors & Officers (public, private & nonprofit)
• Employment Practices Liability (public, private & nonprofit, third-party, wage & hour exposures)
• Errors & Omissions for:
– Accountants
– Allied medical professionals
– Architects & engineers
– Insurance agents & brokers
– Lawyers
– Medical malpractice risks
• 75+ miscellaneous E&O classes
Coverage Highlights and Advantages
Our professional lines program emphasizes flexibility, speed, and market choice. We can place admitted or non-admitted business depending on the class, limits, and client needs.
Program Benefits:
• Fast quote turnaround (many submissions quoted within 24–48 hours)
• Access to 30+ “A”-rated carriers across admitted and non-admitted markets
• Options for admitted placements where available and non-admitted capacity for hard-to-place risks
• Competitive low minimum premiums (varies by class)
• Broker-friendly commission and placement structures
Underwriting Notes and Minimum Premiums
Underwriting focuses on class, firm size, revenue, and claims history. We place a wide range of professional services and are comfortable evaluating emerging or niche exposures. Minimum premiums vary by carrier and class; please submit exposures for specific guidance.
Territories and Availability
The program is actively available in California, with placement capability in most other states depending on carrier appetite and product line. Both admitted and non-admitted options are accessible through our carrier panel.
Why Work With Gorst & Compass Insurance?
Gorst & Compass brings decades of professional liability experience and strong carrier relationships. We provide hands-on underwriting support, quick turnarounds, and tailored placement strategies to help you win and retain business.
Example scenarios that fit this program:
• You have a midsize accounting firm expanding into advisory services that needs tailored E&O limits and defense-type coverage.
• You represent a nonprofit board seeking D&O protection combined with employment practices liability for volunteer and staff exposures.
Whether you’re placing a straightforward E&O policy or managing a complex D&O account with EPLI exposure, our team is available to evaluate submissions and identify the most appropriate markets.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program suits professional service providers such as accountants, attorneys, architects, engineers, allied medical professionals, insurance agents, nonprofits, and many miscellaneous E&O classes.
Is this program available on an admitted or non-admitted basis?
We work with both admitted and non-admitted markets. Placement depends on the class, territory, and carrier appetite.
What is the minimum premium for these policies?
Minimum premiums vary by class and carrier. We offer low minimum options for smaller accounts; submit for a class-specific indication.
What is the typical turnaround time for quotes?
We aim for fast turnaround—many complete submissions are quoted within 24–48 hours, though complex risks may require more underwriting time.
Which states is this program available in?
This program is actively available in California and can often be placed in most other states depending on the carrier and type of risk.
Need help placing an account? Connect with a market specialist.