Ideal Accounts and Appetite
PLIS targets a broad spectrum of professional liability risks, with programs designed to serve both traditional and niche markets. Ideal accounts include:
- Insurance agents and brokers needing errors and omissions (E&O) protection
- Real estate professionals seeking E&O coverage
- Technology firms requiring cyber liability and tech E&O
- Restaurants and hospitality businesses exposed to foodborne illness and business interruption risks
- Manufacturers and retailers needing product recall crisis recovery
- Landlords and hospitality providers with bed bug liability exposures
- Miscellaneous professionals with unique E&O or allied medical needs
Whether your client runs a small real estate firm or a regional hospitality chain, PLIS has developed targeted insurance solutions to address their specific liability exposures.
Coverage Highlights and Advantages
PLIS programs go beyond standard offerings, providing enhanced features that address real-world risks. Coverage options include:
Each program is supported by full risk management services, helping clients reduce exposure and improve claims outcomes before a loss occurs.
Underwriting Notes and Minimum Premiums
PLIS underwrites on a non-admitted basis, offering flexibility in crafting coverage for unique or hard-to-place risks. Minimum premiums vary by program, class, and exposure, allowing agents to place both small and mid-sized accounts efficiently. Underwriters work closely with agents to assess risk and find the right fit across these specialty lines.
Territories and Availability
Programs are available in all 50 states and Washington, D.C., including AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, and WY. Policies are placed through Certain Underwriters at Lloyd’s, providing global backing and reliability.
Why Work With PLIS, Inc.?
With decades of underwriting experience and a focus on niche professional liability exposures, PLIS is a trusted partner for agents seeking reliable, innovative solutions. The company’s affiliation with Lloyd’s of London allows access to stable capacity for complex risks. Product-specific storefronts make it easy to review detailed options and match clients with the right solutions.
If you're an agent with a client facing a unique liability risk—such as a restaurant concerned about foodborne illness shutdowns or a real estate firm needing tailored E&O—PLIS offers the expertise and flexibility to help you place that business with confidence.
Frequently Asked Questions
What types of accounts are a good fit for this program?
PLIS works well for professional service firms, including insurance agents, real estate professionals, tech companies, restaurants, hospitality businesses, and others with specialized liability exposures.
Is this program available in all states?
Yes, coverage is available in all 50 states and Washington, D.C., on a non-admitted basis.
Which carrier backs these programs?
Programs are underwritten through Certain Underwriters at Lloyd’s, providing strong financial backing and global capabilities.
Can I submit small or hard-to-place accounts?
Yes, PLIS is designed to handle both small and complex risks. Minimum premiums vary, and underwriters can help assess fit for non-standard accounts.
What additional services does PLIS offer?
In addition to insurance coverage, PLIS offers full risk management support, helping clients reduce exposure and improve outcomes.
Need help placing an account? Connect with a market specialist.