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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...

...ment Liability or Directors & Officers (D&O) coverage for General Part...

Miscellaneous Errors & Omissions Insurance (E&O) from J.M. Wilson provides essential professional liability protection for a wide range of service businesses and professionals who face exposure from alleged negligence, mistakes, or omissions. This program is built for accounts that don’t fall into traditional E&O categories but still carry meaningful professional liability risk. Overview of the Program From J.M. Wilson J.M. Wilson is a Managing General Agency and Excess & Surplus Lines broker with deep experience placing specialty and hard-to-place professional liability risks. Their Miscellaneous E&O program gives independent agents access to both admitted and non-admitted carriers and a dedicated underwriting team that crafts tailored solutions for non-standard classes. Use this program when a client provides a professional service and could be held financially responsible for an error, oversight, or service failure. Ideal Accounts and Appetite This program is aimed at professional service providers that don’t fit classic E&O niches (e.g., attorneys or medical professionals). Typical classes include: Appraisers, auditors, and billing services Bookkeepers and tax preparers Consultants, management services, and resume services Graphic designers, photographers, and interior designers Event planners, caterers, and funeral directors Private investigators and background check services Property managers, travel agents, and technology/internet service providers If a client provides a service where a mistake or omission could lead to financial loss for a third party, this program is often a good fit. J.M. Wilson will consider a broad range of niche and emerging professions; however, high-exposure specialties (e.g., licensed attorneys, physicians) are evaluated on a case-by-case basis and may be declined or redirected to more specialized markets. Coverage Highlights and Advantages Key features of J.M. Wilson’s Miscellaneous E&O program: Coverage for defense costs, settlements, and judgments arising from covered professional services Access to multiple admitted and non-admitted carriers for placement flexibility Custom underwriting for niche operations and unusual revenue models Experienced in-house underwriters who collaborate directly with agents on terms and endorsements Example placement scenarios: A freelance grant-writing consultant who missed a submission deadline that jeopardized client funding—this policy can address defense and settlement exposure for the consultant. A small technology consultant whose implementation error causes a client’s downtime—coverage can respond to claims alleging negligence in professional services. Underwriting Notes and Minimum Premiums Underwriting is class- and risk-specific. Submissions should include a concise description of operations, years in business, annual revenue, services offered, sample contracts or engagement letters (if available), and any prior claims or loss history. Minimum premiums vary by class and carrier; J.M. Wilson underwriters work with agents to develop competitive quotes and to identify the best market fit for each account. Territories and Availability This Miscellaneous E&O program is currently available in: AL, AR, FL, GA, IL, IN, IA, KS, KY, MI, MS, MO, NE, NC, OH, OK, PA, SC, TN, VA, WV, and WI. Availability and specific terms may vary by state and carrier—contact J.M. Wilson for state-specific guidance. Why Work With J.M. Wilson? Agents benefit from J.M. Wilson’s decades of experience in excess & surplus and specialty markets: Access to a panel of admitted and non-admitted carriers Responsive underwriters with a track record placing niche and non-standard risks Guidance on endorsements, policy wording, and placement strategy for challenging accounts Whether you are placing a solo consultant, a small creative firm, or an unusual professional service, J.M. Wilson can help you identify appropriate markets and structure coverage to match the exposure. Frequently Asked Questions What types of accounts are a good fit for this Miscellaneous E&O program?This program targets non-traditional professional service providers such as consultants, appraisers, event planners, tax preparers, creative professionals, and other service businesses that could face claims alleging negligent professional services. Do you offer both admitted and non-admitted options?Yes. J.M. Wilson represents multiple carriers across admitted and non-admitted markets, which gives you flexibility to match terms and pricing to the client’s needs. What information is needed to quote a Miscellaneous E&O policy?Provide a description of operations, years in business, annual revenue, services offered, sample contracts or engagement letters if available, and any prior claims history. The underwriters use these details to assess exposure and determine appropriate markets. Is this program available nationwide?No. It is available in selected states (see Territories and Availability above). Contact J.M. Wilson for current state eligibility and any state-specific requirements. Can J.M. Wilson help with hard-to-place or unique risks?Yes. Their underwriting team specializes in niche and non-standard risks and works with agents to craft placements for unusual professions or emerging exposures. Need help placing an account? Connect with a market specialist.

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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.

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.