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... solutions that address the unique risks these professionals face. Despite a t...isk profile. Can I submit new venture risks for consideration?Yes, new venture...

Professionals across all industries are expected to maintain high standards of knowledge, ethics, and service. However, mistakes happen—even among the most experienced professionals. Whether it’s a documentation oversight, a miscommunication, or improper employee training, these errors can lead to costly claims. That’s where the SBE Miscellaneous Errors and Omissions Insurance program from Professional Liability Insurance Services, Inc.® (PLIS, Inc.) comes in. This comprehensive E&O program is designed for a wide range of specialty businesses that need tailored protection against professional liability exposures. Ideal Accounts and Appetite This program is designed for over 240 professional categories, including consultants, instructors, inspectors, technology professionals, business service providers, and other specialized roles not easily classified under standard E&O programs. If you’re working with a unique professional risk that doesn’t fall into a typical mold, this program is structured to accommodate it. Typical accounts may include: A marketing consultant who advises multiple clients on branding and messaging strategies A freelance instructional designer creating corporate training materials An IT auditor who provides cybersecurity assessments for small businesses Coverage Highlights and Advantages The SBE Miscellaneous E&O program offers robust coverage options to address both common and complex professional liability exposures. Key features include: Backed by Certain Underwriters at Lloyd’s (A.M. Best Rated “A”) Claims-made and reported policy form Pay-on-behalf policy with duty to defend Limits ranging from $100,000 to $5,000,000 Optional prior acts coverage (subject to underwriting approval) Punitive and exemplary damages included where insurable Optional enhancements like Defense Outside the Limits, contingent BI/PD, personal injury sublimits, and electronic media coverage Aggregate deductibles and first-dollar disciplinary/subpoena defense options Premium financing and 20% commission payable Underwriting Notes and Minimum Premiums PLIS, Inc. offers flexible, in-house underwriting with a simplified 2-page application and supplemental forms as needed. Most classes do not require a minimum premium, making this program highly accessible for smaller or emerging businesses. Original documentation is not required, and turnaround time is typically 24–48 hours. Territories and Availability This non-admitted program is available in all 50 states, including D.C. Agents and brokers can access coverage for clients nationwide, with no state-level admitted restrictions. Why Work With PLIS, Inc.? PLIS, Inc. is a trusted program administrator with deep expertise in professional liability coverage. They partner with Specialty Risk Management® (SRM®) to offer insureds access to licensed risk managers through a confidential hotline. This added value service includes real-time consultation on client contracts, indemnification language, and risk mitigation strategies—support that may even impact deductible efficiency and future premiums. With no voicemail during business hours, dedicated underwriters are available to assist you throughout the sales process, helping you find the right fit for your client’s needs quickly and efficiently. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for professionals in over 240 categories, including consultants, instructors, IT professionals, and other niche service providers who face potential E&O exposures. Is there a minimum premium requirement?There is no minimum premium on most classes, making the program accessible to smaller businesses and startups. What kind of support is available during the underwriting process?PLIS, Inc. provides in-house underwriters who are available without voicemail during business hours to help guide you through the submission and quoting process. Are prior acts covered under this policy?Yes, prior acts coverage is available for an additional premium and subject to underwriting approval, provided there is no prior knowledge or notice of a claim. What carriers back this program?The program is backed by Certain Underwriters at Lloyd’s, rated “A” by A.M. Best. Need help placing an account? Connect with a market specialist.

...il operations, or other commercial risks, this program provides the additional...orking with standard or hard-to-place risks, King Support Systems provides pra...

Commercial Umbrella Insurance Program from America's Internet Brokers, Inc. America's Internet Brokers, Inc. offers a flexible and competitive Commercial Umbrella insurance program designed to help agents and brokers secure excess liability coverage for a broad range of business clients. This exclusive program gives you access to top-rated carriers including AIG, CNA, The Hartford, The Seneca Companies, Travelers, and Zurich, giving you the tools to build tailored solutions for your insureds with complex or growing liability needs. Ideal Accounts and Appetite This program is designed for small to mid-sized businesses with up to $25 million in annual revenue. It is a strong fit for clients seeking additional liability protection beyond their primary General Liability, Auto Liability, and Employers Liability policies. Eligible classes include: Retail and wholesale businesses Contractors and construction-related firms Light to medium manufacturing Distributors with domestic and limited foreign sales Service providers with fleet exposures Example: You might have a contractor client with a modest fleet of vehicles and growing contracts who needs an additional $5 million in coverage above their existing liability policies. This program can help you place that risk efficiently. Coverage Highlights and Advantages Umbrella limits available from $1,000,000 to $10,000,000 Fleets up to 499 vehicles, including up to 49 Heavy or Extra Heavy trucks, are eligible Accepts up to 49% of revenue from foreign sales (operations must be domestic) Accounts with stable revenues (growth or decline under 30% over three years) Eligible accounts must not have liability losses exceeding $100,000 in any of the past 5 years Accepts underlying carriers rated “A-VII” or better; New York State Fund and select other state funds are allowed Umbrella effective date can be up to 60 days in the future Underwriting Notes and Timing To qualify, the underlying General Liability policy must have an effective date within 60 days of the proposed Umbrella effective date. For Auto Liability and Employers Liability, the underlying policies must be effective within six months of the Umbrella policy. Agents should ensure the accounts are domiciled in states other than AK, HI, LA, VA, VT, or WV, which are excluded from this program. Territories and Availability This program is available in most states, including but not limited to AZ, CA, CO, CT, FL, GA, IL, MA, MI, NJ, NY, NC, OH, PA, TX, and WA. Please note that it is not available in AK, HI, LA, VA, VT, or WV. Why Work With America's Internet Brokers, Inc.? America's Internet Brokers, Inc. brings deep experience and access to top-tier markets for excess and surplus lines. Their streamlined submission process and strong carrier relationships allow you to move quickly and find coverage options that meet your clients' risk tolerance and liability needs. Whether you're working with a growing construction company or a multi-state distributor, their program offers the flexibility and underwriting insight to help you close the deal. Frequently Asked Questions What types of accounts are a good fit for this Commercial Umbrella program?Accounts with up to $25 million in annual revenue, stable financials, and minimal liability losses are ideal. This includes contractors, manufacturers, fleet operators, and service businesses. Are there restrictions based on the insured’s location?Yes, the insured must be domiciled in a state other than AK, HI, LA, VA, VT, or WV. The program is available in most other states. What underlying coverage is required?Underlying General Liability coverage must be effective within 60 days of the Umbrella policy. Auto Liability and Employers Liability must be effective within six months. Carriers must be rated “A-VII” or better. Can this program accommodate foreign sales?Yes, up to 49% of the insured’s revenue can come from foreign sales, as long as all operations are based in the U.S. What vehicle exposures can be included?The program allows fleets with up to 499 vehicles, including up to 49 Heavy or Extra Heavy trucks. Need help placing an account? Connect with a market specialist.