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As a Director or Officer of a Non-Profit Organization, you ar...imits of liability for Directors and Officers coverage and Employment Practice...

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If your client is a Certified Public Accountant, bookkeeper, or tax preparer, they face a broad range of professional liability exposures — including data breaches, client disputes, and fiduciary missteps. Capitol Special Risks provides tailored professional liability solutions designed to protect accounting professionals from the risks they encounter in daily practice. Comprehensive Coverage for Accounting Professionals Capitol Special Risks places accounting professional liability nationally. Whether the account is an independent CPA, a tax preparation shop, a bookkeeping practice, or an investment adviser offering accounting services, we can help you structure a package that aligns with the firm’s services and exposures. Target Accounts We write a wide range of accounting professionals, including: Certified Public Accountants (CPAs) Bookkeepers and payroll processors Tax preparers Investment advisers with accounting exposure The program fits solo practitioners and small-to-mid-sized firms seeking robust E&O and related coverages. Coverage Highlights Typical coverages available through this program include: Network & Information Security (cyber/privacy) coverage Investment Adviser Professional Liability Personal Fiduciary coverage Crisis Event Expense reimbursement Deductible Mediation Credit Pre-claim assistance and practical risk-management tools Program Features and Underwriting Notes Minimum premiums depend on firm size and services. We can access both admitted and non-admitted markets in many states. Capitol Special Risks focuses on quick turnaround and transparent placement — we never charge broker fees. Availability This program is available in most U.S. states, including: CA, TX, FL, NY, GA, IL, and WA. For eligibility and state-specific options, submit the account details or contact a market specialist. Why Work With Capitol Special Risks? As a wholesale broker with access to multiple carriers, Capitol Special Risks delivers deep experience in professional lines and tailored liability placements. We combine underwriting expertise with hands-on placement support — from pre-claim assistance to risk management resources — to help you place accounting risks with confidence. In CA, Capitol Special Risks, Inc. dba: Capitol Special Risks Insurance Service - CA Fire & Casualty Agency - #0C46094 Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include CPAs, bookkeepers, payroll processors, tax preparers, and small-to-mid-sized accounting firms. We also consider investment advisers that have accounting-related services or exposures. Is this coverage available nationwide?The program is offered in most U.S. states, including CA, TX, FL, NY and many others. Contact us with the client’s state for confirmation and market options. Are both admitted and non-admitted markets available?Yes. We have access to both admitted and non-admitted carriers and will select the best market based on the risk profile and state requirements. What is the minimum premium for this program?Minimum premiums vary with firm size, services offered, and coverage limits. Provide account details to receive a quick indication of pricing and available limits. Do you charge any broker fees?No. Capitol Special Risks does not charge broker fees to place accounts in this program. Need help placing an account? Connect with a market specialist.

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Insurance for title agents and escrow agents is getting harder to place. Capitol Special Risks leverages deep carrier relationships and underwriting expertise to help you secure the right professional liability coverage for clients in this specialized niche. Overview of the Program from Capitol Special Risks If you place business for title or escrow professionals, you know the exposures: complex real estate transactions, strict regulatory oversight, and significant settlement risk. Capitol Special Risks offers a targeted Title Agents & Escrow Agents Insurance program that pairs access to multiple markets with focused underwriting to place hard-to-find coverages quickly and competitively. Ideal Accounts and Appetite This program is designed for: Title insurance agencies and individual title agents Independent escrow and closing companies Closing and settlement service providers Firms that rely on independent contractors or have remote staff Good-fit accounts typically have a clean claims history, defined escrow controls, and documented procedures for closing files and handling trust funds. We will consider both small residential shops and larger agencies that handle commercial transactions, though appetite varies by carrier. Examples you may encounter: A small regional title agency performing residential closings with independent closing agents — needs E&O with automatic coverage for contractors and First Dollar Defense. An independent escrow company handling mixed residential and commercial settlements seeking extended reporting period options and punitive/exemplary damages coverage where allowed. Coverage Highlights and Advantages Key features of the Title Agents & Escrow Agents Insurance Program: Claims-made and reported policy form Automatic 60-day Extended Reporting Period Optional Extended Reporting Period available up to 6 years First Dollar Defense option (deductible applies only to loss) Punitive and Exemplary Damages coverage where permitted by law Loss of Earnings coverage up to $5,000 per policy period Automatic coverage for independent contractors Underwriting Notes and Minimum Premiums Underwriting focuses on operations, escrow controls, trust accounting practices, and any prior claim history. Minimum premiums and deductibles for Title Agents E&O typically start at $2,500, but final pricing depends on exposure, territory, and coverages selected. First Dollar Defense is available through many carriers in the program. Territories and Availability This program is available in most states, 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 generally written on a non-admitted basis, depending on the state. Why Work with Capitol Special Risks Capitol Special Risks is a wholesale broker that specializes in professional liability and niche E&O solutions. We combine strong carrier relationships with underwriters who understand title and escrow workflows. That means faster quotes, pragmatic underwriting, and placement options you may not find on the standard admitted markets. We also do not charge broker fees, so your client sees the full value of competitive placement. Fast turnaround and we never charge a broker fee! In CA, Capitol Special Risks, Inc. dba: Capitol Special Risks Insurance Service - CA Fire & Casualty Agency - #0C46094 Frequently Asked Questions What types of accounts are a good fit for this program?This program is designed for title insurance agencies, escrow firms, and closing service providers, including those that use independent contractors. Is First Dollar Defense included in the policy?Yes, First Dollar Defense is available, which means the deductible applies only to loss and defense costs are paid by the insurer subject to the policy terms. What is the minimum premium for Title Agent E&O coverage?Minimum premiums and deductibles for eligible accounts typically start at $2,500, though final terms depend on underwriting and the specific carrier selected. Can coverage be extended for prior acts or claims reporting?Yes. Policies include a 60-day automatic Extended Reporting Period with optional extensions available up to six years. In which states is this program available?The program is available in most U.S. states, including CA, TX, FL, NY, and many others; coverage may be placed on a non-admitted basis in some jurisdictions. Need help placing an account? Connect with a market specialist.