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

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

At Ohio E & S Agency, service is our specialty. We’re known for our fast turnaround—on risks we can rate in-house, we typically return quotes within 1 to 3 business days. Our experienced underwriters understand the nuances of E&S placements and are here to help you find the right solution for your clients' complex needs.

Ideal Accounts and Appetite

We focus on property and casualty risks that fall outside the standard market due to claims history, unique exposures, or unusual operations. Our target classes include, but are not limited to:
  • Commercial property with higher risk characteristics
  • General liability for contractors, manufacturers, and specialty operations
  • Professional liability for both profit and non-profit organizations
  • Directors & Officers (D&O) liability
  • Employment Practices Liability Insurance (EPLI)
  • Self-insured Workers’ Compensation excess coverage
  • Commercial umbrella and excess liability
Please note that we do not write auto, long-haul trucking, or garage liability exposures.

Coverage Highlights and Advantages

Our E&S offerings are designed to help you solve difficult placement challenges. Whether you're working with a property that has prior losses or a new venture with limited operating history, we can deliver tailored solutions through our diverse carrier network. Our markets support a wide range of coverage types, including:
  • Non-admitted property and liability policies
  • Professional and management liability products
  • Customized excess and umbrella limits
  • Flexible terms for unusual or emerging risk profiles
You might have a client who owns multiple vacant commercial buildings or a non-profit group seeking D&O and EPLI coverage—these are the types of accounts we can help you place efficiently and competitively.

Underwriting Notes and Minimum Premiums

We evaluate each risk individually and strive to provide indicative terms quickly. Risks that fall within our in-house rating capabilities are typically turned around in 1 to 3 days. While minimum premiums vary depending on the line and carrier, we seek accounts that align with E&S profile characteristics and justify non-standard placement.

Territories and Availability

Our program is available to licensed agents and brokers in Ohio and Michigan. Admitted markets may be available in select situations and states, but most placements are made on a non-admitted basis through our E&S carriers and brokerage partners.

Why Work With Ohio E & S Agency

Agents rely on Ohio E & S Agency because we make placing tough risks easier. Our team combines decades of underwriting experience with a commitment to responsive, agent-focused service. With access to top-rated E&S carriers and a practical approach to submissions, we help you close more business and serve clients with specialized needs.

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 are best suited for risks that are hard to place in the standard market, such as commercial property with claims history, contractors with unique exposures, and non-profits needing D&O or EPLI coverage.

What coverages does Ohio E & S Agency offer?

We offer property, casualty, professional liability, D&O, EPLI, self-insured workers comp excess, and umbrella/excess liability. We do not write auto, long-haul trucking, or garage liability.

How quickly can I expect to receive a quote?

For risks we can rate in-house, we typically return quotes within 1 to 3 business days.

Which states is this program available in?

This program is currently available to agents and brokers in Ohio and Michigan.

Do you offer admitted or non-admitted coverage?

Most placements are non-admitted, but admitted markets may be available in some states or for specific risks.

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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