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...igned for insurers, credit unions, banks, mortgage bankers, loan servicers and other lenders w...eared toward lenders, loan servicers, banks, credit unions and mortgage bankers that need separate insurance for...

Capitol Special Risks (CSRisks) offers a competitive, specialized alternative to standard Management Liability or Directors & Officers (D&O) coverage for General Partners and Member Managers. With more than 20 years of experience placing complex liability programs, we understand the exposures faced by partnerships and LLCs—especially where managing members or general partners have little or no ownership in the entities they oversee. Overview of the Program From Capitol Special Risks Capitol Special Risks is a wholesale broker focused on tailored management liability solutions for General Partners and Member Managers. Our program fills gaps left by standard D&O forms for partnerships and LLCs, and is built for investment vehicles, real estate partnerships, private equity structures, and other non-traditional ownership arrangements. We work with multiple carriers and can provide admitted options in select states. Ideal Accounts and Appetite We are a strong market for accounts that include: Limited Partnerships (LPs) and LLCs with complex or layered management structures Entities where the General Partner or Member Manager has limited or no equity ownership Investment funds, private equity and venture structures, and real estate partnerships If you’re placing a newly formed investment vehicle or managing multiple managed entities for the same sponsor, CSRisks can identify where standard D&O forms fall short and help secure appropriate protections. Coverage Highlights and Advantages Standard D&O policies often omit or misstate protections for non-owner managers. CSRisks secures tailored language and endorsements that address the unique risks of General Partners and Member Managers: Definition of Insured: Policy language calibrated to include managing members and general partners where appropriate Definition of Wrongful Acts: Broader wording to capture fiduciary and operational management decisions Controlled Entity Language: Modified to reflect real-world control dynamics between sponsors, funds, and portfolio entities We focus on avoiding unexpected exclusions, clarifying ambiguous terms, and securing endorsements that reflect the client’s organizational structure. Underwriting Notes and Minimum Premiums Underwriting is case-specific. Our team evaluates submissions considering management structure, ownership stakes, fund strategy, operations, governance practices, and prior loss history. Minimum premiums vary by risk profile and jurisdiction. Fast turnaround and responsive underwriting are core to our service — and we never charge broker fees. Territories and Availability This program is available in most U.S. states, including but not limited to CA, TX, NY, FL, GA, IL, and WA. Admitted coverage options are available in select states depending on carrier appetite and program structure. Contact us to confirm admitted availability and carrier options in your client’s state. Why Work With Capitol Special Risks CSRisks specializes in nuanced management liability placements. Our underwriting experience and carrier relationships allow us to tailor coverage forms and negotiate language that protects managers who do not fit neatly into standard D&O programs. When you work with us, you get: No broker fees—ever Access to multiple markets and customized coverage forms Practical guidance on policy language and entity structure Fast, responsive service from an experienced underwriting team Example scenarios where this program fits well: you may have a client that serves as a third-party manager of multiple LLCs with minimal equity in each, or a sponsor managing a real estate fund where the managing member is a separate management company. In both cases, CSRisks can help secure appropriate management liability language. 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 targets LLCs and Limited Partnerships where General Partners or Member Managers may not hold significant ownership—investment funds, real estate partnerships, and sponsored private equity or venture structures are common fits. Can you provide coverage when the managing member has no ownership?Yes. We work with carriers that offer coverage for managing members and general partners who have limited or no equity, subject to underwriting review of structure and exposures. How does this differ from a standard D&O policy?Standard D&O forms often don’t account for the governance and control nuances of partnerships and manager-run LLCs. Our program provides tailored definitions and endorsements to address those gaps and reduce the risk of uncovered claims. Is the policy available on an admitted basis?Admitted options are available in some states, depending on the carrier and program. We’ll help you identify admitted markets where available and recommend best-fit solutions for the client’s jurisdiction. Do you charge any broker fees?No. Capitol Special Risks does not charge broker fees on these placements. Need help placing an account? Connect with a market specialist.

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