Overview of the Program from MAXIMUM
MAXIMUM’s Professional Solutions Insurance program provides wholesale access to national markets and editorial support for complex professional exposures. We partner with industry-leading carriers and can structure coordinated solutions across the P&C lines most relevant to professional and management risks. The program is designed for agents and brokers who need a partner that understands form language, coverage nuances, and placement strategies for difficult-to-place accounts.
Coverage Expertise:
Ideal Accounts and Appetite
This program is built for a wide range of professional classes, with particular depth in healthcare, technical design trades, and organizations with management exposure. Target classes include:
Typical fits are accounts with specialized professional exposures, claims-sensitive histories that benefit from form-by-form analysis, and clients requiring combined solutions across E&O, D&O, EPL, and cyber. Accounts that generally do not fit include highly speculative ventures without established controls or accounts that require admitted-only placement where admitted markets are not available.
Coverage Highlights and Advantages
- Form review and policy tailoring — our team performs detailed form analysis to align coverage to client operations.
- Access to national markets — longstanding carrier relationships let us structure placements across the country.
- Multi-line flexibility — combine professional liability, management liability, cyber/privacy, and specialty coverages in coordinated solutions.
- Specialized underwriting — experienced underwriters who understand technical professions and healthcare specialties.
Underwriting Notes and Submission Requirements
Underwriting focuses on exposures, claim history, controls, and risk management practices. Submissions should generally include a current application, most recent loss runs (typically five years), prior policy forms/declarations, and any relevant risk management materials (policies, procedures, contracts). Flag accounts early that have complex limits, unusual contract wording, or recent losses so we can match them to the appropriate market quickly.
Territories and Availability
The Professional Solutions Insurance program has placement capability nationwide, including all 50 states and DC. As a wholesale broker, availability may vary by carrier appetite and by admitted vs. non-admitted options — submit accounts and we will confirm market eligibility and the best placement route for each state.
Why Work With MAXIMUM on Professional Solutions
- Wholesale broker expertise — we act as an extension of your brokerage team, handling market placement and policy negotiations.
- Carrier relationships — long-standing partnerships allow us to structure non-standard placements and coordinate multi-line solutions.
- Service orientation — form analysis, coverage recommendations, and responsive underwriting support to help you close difficult accounts.
Example scenarios:
- You have a ten-physician group with network security concerns and employment practices exposure — we can package E&O, cyber, and EPL in a coordinated submission.
- An A/E firm needs liability limits and contract wording review for a large public project — we perform form analysis and pursue carriers that will accept contractually sensitive terms.
Please reach out to us today by phone or email with any questions and to discuss how we can assist you in this placement process.
Frequently Asked Questions
What types of accounts are a good fit for the Professional Solutions Insurance program?
Accounts with professional, management, or technology exposures that need tailored forms and coordinated multi-line solutions — for example, A&E firms, healthcare providers, law firms, brokerages, and not-for-profits. We prefer accounts with supporting documentation (applications, loss runs, contracts) available for review.
What submission materials should I include to start the placement?
Include a current application, five years of loss runs, prior policy forms and limits, and any relevant risk management documents (contracts, cybersecurity policies, credentialing processes). Early disclosure of prior losses or high-severity exposures helps us route the account to the right market faster.
Is the program available in all states?
Yes — we have market access nationwide, including all 50 states and DC. Specific admitted or non-admitted options depend on carrier appetite for the class and state.
How quickly can you get a quote or placement?
Turnaround depends on account complexity and market response. Clean renewals or straightforward submissions can move quickly; contractually sensitive or claims-heavy placements require more time. Providing complete submission materials will expedite the process.
Can you combine cyber or privacy coverage with professional liability?
Yes. We routinely structure packages that combine E&O, cyber/privacy, EPL, D&O, and other specialty lines when appropriate to the client’s exposures and carrier appetite.
Need help placing an account? Connect with a market specialist.