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Cyber Liability Insurance Cyber threats continue to evolve, and every business—regardless of size or industry—is at risk of data breaches, cyberattacks, and regulatory exposure. Excel Insurance Services offers a robust Cyber Liability Insurance program designed to help agents and brokers place coverage for a wide range of clients, not just tech-driven businesses. Overview of the Program From Excel Insurance Services Excel Insurance Services is an experienced Excess & Surplus Lines Broker providing access to Cyber Liability solutions through various carriers. This program addresses both first- and third-party cyber risks—offering protection for exposures related to the Internet, data privacy, network security, and digital communications. Whether your client is a healthcare provider, retailer, financial firm, or service-based company, Excel can help you secure tailored cyber protection. Ideal Accounts and Appetite This Cyber Liability program is designed for a broad class of businesses, including but not limited to: Professional services firms (legal, accounting, consulting) Retail and e-commerce businesses Healthcare providers and medical offices Educational institutions Manufacturers with connected systems You might have a client who stores sensitive customer data or processes online payments—these are ideal risks for this program. Excel can also help with accounts that have had prior incidents or operate in higher-risk industries. Coverage Highlights and Advantages Main Coverage Components: Privacy Liability: Covers losses resulting from failure to protect sensitive personal or corporate data, whether digital or physical Includes regulatory defense and penalties for violations of privacy laws and regulations (state, federal, or international) Network Security Liability: Covers liabilities from unauthorized access, denial-of-service attacks, and transmission of malicious code Data Breach Response: Covers forensic investigation costs, legal and crisis management services, regulatory compliance, and notification expenses Additional Coverages May Include: Internet Media Liability Network Extortion Threats (ransomware) Crisis Management and Reputation Restoration Underwriting Notes and Minimum Premiums As a wholesale broker with access to various markets, Excel can work with accounts that may not fit standard admitted markets. While minimum premium thresholds vary by carrier and risk profile, agents are encouraged to contact Excel for risk-specific quotes and underwriting requirements. Territories and Availability Excel's Cyber Liability Insurance program is available in the following states: Delaware (DE) New Jersey (NJ) New York (NY) Pennsylvania (PA) Some markets are available on an admitted basis, while others are written through non-admitted carriers depending on the account. Why Work With Excel Insurance Services Excel Insurance Services brings deep market access and underwriting expertise to help brokers place complex or high-exposure cyber accounts. From small businesses to larger enterprises, their team can help craft customized solutions that address today’s evolving threats. With responsive service and a flexible appetite, Excel is a valuable partner in the cyber liability space. Let Excel help protect your clients from today's digital risks. Contact them today to discuss your next cyber liability submission! Frequently Asked Questions What types of accounts are a good fit for this cyber liability program?This program is ideal for a wide range of industries including professional services, healthcare, retail, education, and technology-focused businesses. Can Excel place risks with prior cyber incidents?Yes, Excel can consider accounts with previous cyber events, depending on the circumstances and risk controls in place. Is this program available on an admitted basis?Some markets are available on an admitted basis; others are non-admitted depending on the carrier and risk profile. Which states is this program available in?The Cyber Liability program is currently available in Delaware, New Jersey, New York, and Pennsylvania. What types of cyber exposures does the program cover?Coverage includes privacy liability, network security liability, data breach response, internet media liability, extortion threats, and more. Need help placing an account? Connect with a market specialist.

Overview — Excel Insurance Services, Inc. Lawyers Professional Liability Insurance Excel Insurance Services, Inc. offers admitted and non-admitted Lawyers Professional Liability (LPL) products for small law firms across New Jersey, Pennsylvania, Delaware, New York and surrounding areas. As a wholesale broker, Excel places LPL with a variety of carriers to provide flexible terms for firms that need tailored coverage, competitive pricing, and specialty underwriting for trusts/estates and transactional practices. Ideal accounts and appetite Small to mid-sized law firms — primary target is firms with 1–10 attorneys. Transactional and litigation practices across general civil, real estate, probate, corporate, trust & estate, and title-related work. Firms acting as conservators, executors, trustees, title agents or notaries — broader definitions of covered services are available through our carriers. We can consider firms with predecessor exposures and typical risk profiles for the region. Accounts with recurrent malpractice history, regulatory disciplinary issues, or complex securities litigation should be cleared with underwriting first. Coverage highlights and program advantages Defense outside the limit available through select carriers. First-dollar defense for qualifying accounts. Predecessor firm coverage to protect firms that acquired or merged practices. Broad definition of professional services — helpful for firms performing fiduciary, title, notary, trustee or executor duties. Disciplinary proceeding coverage included with certain programs. Bilateral tail options and extended reporting period choices for retiring or transitioning attorneys. Reduced deductible options for arbitration and mediation claims. Low deductible and split-limit options to fit client budgets and risk tolerances. Underwriting notes and minimums Excel works with a range of admitted and non-admitted carriers to match account needs to market appetite. Typical submission requirements include an application, current loss runs, and a résumé of key partners/attorneys. Minimum premium starts at $900.00; final premiums depend on practice mix, gross revenue, prior claims, and requested limits. Territories and availability This LPL program is available in DE, NJ, NY and PA. Products are offered in both admitted and non-admitted markets ("All Available Markets") to help place accounts that require admitted paper or excess capacity that may only be available non-admitted. Why place LPL through Excel Insurance Services, Inc. Wholesale broker access — we submit to multiple carriers on your behalf to improve placement success and speed to market. Regional underwriting expertise — focus on the tri-state area and surrounding regions helps identify the right carrier fit for local practice patterns. Flexible terms — carriers in our panel offer a range of limits, deductible structures, and tail options suited to small firms. Responsive service — we work with agents to clarify underwriting questions and secure quotations quickly. Example placements You might have a client that is a three-attorney real estate and probate firm acting regularly as title agent and executor. Excel can submit to carriers that offer a broad services definition and predecessor coverage with a low deductible option. Another example is a solo estate planning attorney seeking disciplinary proceeding coverage and a bilateral tail on retirement — we can present the account to markets that provide those features. Frequently Asked Questions What types of law firms are the best fit for this program?The program targets small firms (1–10 attorneys) in DE, NJ, NY and PA with practice areas such as real estate, trusts & estates, corporate/transactional work, title services and general civil litigation. Firms performing fiduciary or notary duties are also a good fit due to broad service definitions available. Do you offer admitted as well as non-admitted options?Yes. Excel places coverage in both admitted and non-admitted markets to give you flexibility when admitted paper is required or when excess capacity and specialty terms are only available non-admitted. What is the minimum premium and typical submission requirements?Minimum premium starts at $900.00. Standard submissions include a completed application, current loss runs, and attorney résumés or firm bios. Additional carrier requirements vary by risk and state. Are tail and predecessor coverages available?Yes. Many carriers on the panel offer bilateral tail options and predecessor coverage. Availability and pricing depend on the carrier selected and the firm’s claims history. Need help placing an account? Connect with a market specialist.

Excel Insurance Services, Inc. offers tailored solutions for agents and brokers seeking Professional Liability and Management Liability coverage for a wide range of business classes. As a wholesale broker with access to various markets—both admitted and non-admitted—Excel delivers expert placement and responsive service to help you meet your clients’ evolving risk management needs. Overview of the Program From Excel Insurance Services, Inc. Our Professional Liability Insurance program is designed to address the complex exposures faced by today’s professionals and organizations. Whether your insured operates in the legal, medical, real estate, consulting, or technology sectors, we can help you find competitive terms and comprehensive protection. Excel Insurance Services, Inc. specializes in both standard and hard-to-place risks, offering solutions that combine flexibility, expertise, and market access. Ideal Accounts and Appetite We are actively seeking submissions for a wide variety of professional and management classes, including but not limited to: Professional/Errors and Omissions Risks: Technology & Cyber Liability, Lawyers, Architects & Engineers, Real Estate Agents, Consultants, Allied Medical Providers, Insurance Agents, and Miscellaneous Professionals. Management Liability Risks: Directors & Officers (D&O) for both Non-Profit and For-Profit entities, Employment Practices Liability (EPLI), Fiduciary Liability, and Crime Coverage. Most classes are eligible for PL/GL combo policies, and we can accommodate both start-ups and established firms with clean or complex histories. If you have a client operating in a regulated industry or with a unique business model, we’re equipped to review and respond quickly. Coverage Highlights and Advantages Standalone or combined Management Liability solutions (D&O, EPLI, Fiduciary, and Crime). Comprehensive E&O coverage for a broad range of professions. Cyber liability options available for tech-based and data-sensitive operations. PL/GL combo policies available for many Allied Medical and Miscellaneous Professional classes. Solutions for both admitted and non-admitted markets, depending on risk profile. Sample scenario: You might have a client who operates a small architectural firm in New Jersey and needs both E&O and Cyber coverage. Or perhaps a non-profit board in Pennsylvania looking for cost-effective D&O and EPLI coverage. We can help you place these accounts efficiently and competitively. Underwriting Notes and Minimum Premiums Minimum premiums typically start at $1,000+, depending on the class of business, limits, and risk characteristics. Our underwriting process is streamlined, and we work closely with agents to gather only the necessary details to quote effectively. We welcome both new ventures and established operations, and we can often assist with complex or previously declined accounts. Territories and Availability This program is currently available in Delaware, New Jersey, New York, and Pennsylvania. We have access to multiple carriers across these states and can offer solutions in both admitted and non-admitted markets depending on your client’s needs. Why Work With Excel Insurance Services, Inc.? Excel Insurance Services, Inc. is committed to exceeding your expectations. Our team is known for its responsiveness, market knowledge, and ability to find solutions for even the most unique or challenging risks. When you work with us, you gain a wholesale partner who understands the nuances of Professional and Management Liability and delivers the service you deserve. Frequently Asked Questions What types of accounts are a good fit for this program?We target a wide range of professional and management classes, including tech firms, law practices, architects, consultants, real estate agents, and non-profit or for-profit organizations needing D&O or EPLI coverage. Is this program available on an admitted or non-admitted basis?We offer access to both admitted and non-admitted markets, depending on the specific risk and state regulations. What is the minimum premium for this program?Minimum premiums typically start at $1,000+, though pricing may vary based on class, limits, and underwriting details. Can you help with hard-to-place or declined risks?Yes. We specialize in finding solutions for complex or previously declined risks, including start-ups and accounts with claims history. Which states is this program available in?This program is currently available in Delaware, New Jersey, New York, and Pennsylvania. Need help placing an account? Connect with a market specialist.