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Tennant Risk Services
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Tennant Risk Services
Contact Us
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Hard to Place E&O ~ D&O ~ EPL ~ Cyber Risk Insurance

Hard to Place E&O ~ D&O ~ EPL ~ Cyber Risk Insurance

Tennant Risk Services is a specialty wholesale broker and managing general agency (MGA) with deep expertise in professional liability insurance. We help retail agents and brokers place hard-to-place accounts with customized solutions for E&O (Errors & Omissions), D&O (Directors & Officers), EPL (Employment Practices Liability), and Cyber Risk exposures. Whether you're working with a distressed risk or a client with unique operations, we bring market access and underwriting insights to the table.

Ideal Accounts and Appetite

Hard-to-place accounts typically fall outside the appetite of standard markets due to various underwriting concerns. We regularly help agents place business with the following characteristics:
  • Poor or adverse claims history
  • Ongoing or past disciplinary actions
  • Unusual or evolving business models
  • Startups or newly formed operations
  • Firms offering multiple or niche services
  • Unique or high-risk coverage needs
Example classes we've successfully placed include:
  • Attorneys focused solely on collections
  • Banks with below-average financials
  • Specialty insurance agencies and title/escrow agents with prior claims
  • Restaurants with EPL claims history
  • Medical systems engaged in product development
  • Tech consultants requiring tailored cyber coverage

Coverage Highlights and Advantages

Tennant Risk Services connects you with a wide range of carriers—admitted and non-admitted—depending on the risk profile, size, and location. Coverage options include:
  • Professional Liability (E&O) for diverse professions
  • D&O for private companies and non-profits
  • Employment Practices Liability (EPL) for firms with HR-related exposures
  • Cyber Risk coverage tailored for data privacy and breach response
We work with multiple carriers to provide competitive pricing and responsive terms, even for risks that traditional underwriters decline.

Underwriting Notes and Minimum Premiums

Minimum premiums vary by carrier and are based on the account’s industry, size, risk characteristics, and coverage needs. While challenging accounts may require extra underwriting review, our team is committed to fast turnarounds and clear communication throughout the process.

Territories and Availability

This program is available in most U.S. states, including but not limited to: CA, FL, NY, TX, IL, GA, PA, and others. We currently offer options in all 50 states plus Washington, DC, depending on the specific risk and coverage requested.

Why Work With Tennant Risk Services?

At Tennant Risk Services, hard-to-place doesn’t mean impossible. We specialize in professional liability and work exclusively through retail insurance agents and brokers. Our strengths include:
  • Deep knowledge of specialty liability markets
  • Broad carrier access for both admitted and non-admitted placements
  • Responsive, solution-oriented underwriting
  • Support for complex risks and distressed accounts
Whether you're placing a tricky E&O account or a cyber risk with custom coverage needs, let our team help you deliver a strong solution for your client.

Put our Professional Liability Insurance Expertise to Work for You! For submission inquiries or to discuss a specific risk, please call or email us.

Frequently Asked Questions

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

We specialize in placing E&O, D&O, EPL, and Cyber Risk accounts that are considered hard-to-place due to adverse loss history, unique operations, or non-standard coverage needs.

Can startups or new operations qualify for coverage?

Yes, we consider new businesses and startups, especially in professional services or tech sectors, as long as we can evaluate the business model and exposures clearly.

What makes Tennant Risk Services different from other MGAs?

We focus exclusively on professional liability and hard-to-place risks, offering deep underwriting expertise and access to multiple markets for tailored solutions.

Are both admitted and non-admitted markets available?

Yes, we work with both admitted and non-admitted carriers, depending on the specifics of the risk, coverage required, and available markets in the state of operation.

Do you support retail agents and brokers nationwide?

Yes, we work with licensed agents and brokers in all 50 states and Washington, DC.

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

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    Managing General Agency and Excess & Surplus Lines Broker
  • Admitted:
    Some Available States
  • Carriers:
  • Carrier Ratings:
    A
  • Commission:
    Varies
  • Min Premium:
    Varies by carrier

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Tennant Risk Services has other insurance programs like Architects & Engineers Professional Liability (E&O) Insurance.