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Ohio E&S Agency, Inc.
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Ohio E&S Agency, Inc.
Contact Us
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Ohio E & S Agency

For more than 30 years, Ohio E & S Agency has specialized in excess and surplus (E&S) lines placement for independent agents and brokers in Ohio and Michigan. Our long-standing relationships with leading E&S carriers — including Mid-Continent Insurance Company, Scottsdale Insurance Company, and a network of trusted brokerages — give you access to flexible, competitive markets for hard-to-place or non-standard risks.

Service and speed are core to how we work. For risks we can rate in-house, our underwriters typically return indicative terms within 1 to 3 business days. Our team focuses on practical, marketable solutions and helps you navigate non-admitted placement options when admitted capacity is limited.

Ideal Accounts and Appetite

Ohio E & S Agency writes property and casualty risks that the standard market often declines or restricts due to prior losses, unique exposures, or non-standard operations. Target classes include, but are not limited to:
  • Commercial property with higher-risk characteristics or prior claims
  • General liability for contractors, manufacturers, and specialty operations
  • Professional liability for both for-profit and non-profit organizations
  • Directors & Officers (D&O) liability
  • Employment Practices Liability Insurance (EPLI)
  • Self-insured workers’ compensation excess
  • Commercial umbrella and excess liability
We do not write auto fleets, long-haul trucking, or garage liability exposures.

Coverage Highlights and Advantages

Our E&S capacity helps you place accounts with unusual loss histories, uncommon exposures, or limited operating histories. Key advantages include:
  • Access to admitted and non-admitted markets through established carrier and brokerage relationships
  • Customizable excess and umbrella limits to match complex liability profiles
  • Professional and management liability products, including D&O and EPLI
  • Flexible terms for emerging or niche exposures that need tailored language
Typical fits include clients who own multiple vacant commercial buildings, contractors with atypical operations, or non-profits seeking D&O and EPLI solutions.

Underwriting Notes and Minimum Premiums

We evaluate risks on a case-by-case basis and aim to provide quick, indicative terms for accounts we can rate internally. Turnaround is typically 1–3 business days for in-house quotes. Minimum premiums vary by line and carrier; underwriters will advise on specific minimums once the risk and desired coverage are identified. Provide loss runs, detailed descriptions of operations, and any risk-control measures to speed the review.

Territories and Availability

This program is available to properly licensed agents and brokers in Ohio and Michigan. Most placements are completed on a non-admitted (E&S) basis, though admitted options may be available in certain states or for select risks through our carrier partners.

Why Work With Ohio E & S Agency

Agents choose Ohio E & S Agency for our depth of E&S experience, responsive underwriting team, and practical approach to placing difficult risks. We combine decades of market knowledge with strong carrier relationships to help you close business that might otherwise be hard to place. Work with us when you need fast, market-aware underwriting and access to specialty capacity.

Learn more about our capabilities by visiting our company profile or start placing business through our storefront.

Frequently Asked Questions

What types of accounts are a good fit for this program?

We’re best for accounts the standard market will not fully accept or will price restrict—examples include commercial property with prior losses, specialty contractors, and non-profits needing D&O or EPLI coverage.

What coverages does Ohio E & S Agency offer?

We place non-admitted property and casualty, professional/management liability (D&O, EPLI), self-insured workers’ comp excess, and umbrella/excess liability. We do not place auto, long-haul trucking, or garage liability.

How quickly can I expect a quote?

For risks we can rate in-house, you can expect indicative terms within 1 to 3 business days. More complex submissions that require brokerage placement may take longer.

Which states is this program available in?

This program supports licensed agents and brokers in Ohio and Michigan. Most business is placed non-admitted, though admitted options may be available in select situations.

Do you offer admitted coverage?

Most placements are non-admitted E&S lines. We do have access to admitted markets through carrier partners in some states or for specific risks—ask an underwriter for details.

Need help placing an account? Connect with a market specialist.

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    Excess & Surplus Lines Broker
  • Admitted:
    Some Available States
  • Carriers:
  • Carrier Ratings:
    A.M. Best A rated
  • Commission:
    Varies
  • Min Premium:
    -

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CONTACT INFORMATION

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