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...fficers Liability with optional Employment Practices Liability Defense cos...s, and social service entities. Is Employment Practices Liability included in the D&O policy?Employment Practices Liability (EPL) is available as ...

Employment Practices Liability Insurance Progr...e of the claims and risk management practices in place. What is the minimum pr...

CSRisks (Capitol Special Risks) places Environmental Consultants & Laboratories accounts through multiple specialty markets. Our team understands the professional, on-site and transportation pollution exposures that consultants, testing labs and related firms face and can tailor combined professional liability, general and pollution liability programs to match each firm’s operations. Overview of the Program from Capitol Special Risks This Environmental Consultants & Laboratories program is offered through Capitol Special Risks as a wholesale broker program with access to multiple admitted and non-admitted markets. We place occurrence-form General & Contractors Pollution Liability (CPL) alongside Claims-Made or Monoline Professional Liability when needed. The program supports prior acts coverage, first dollar defense options, transportation pollution and site pollution extensions for offices or labs. Ideal Accounts and Appetite Environmental consultants performing site assessments, Phase I/II reports, remediation oversight and risk assessments. Environmental testing laboratories (soil, water, air) that handle sampling and analysis but do not perform large-scale remediation contracting. Small to mid-sized firms with well-documented procedures, formal QA/QC, and controlled sample handling and chain-of-custody processes. Generally a good fit: offices and labs with limited on-site remediation, owned or hired vehicles requiring transportation pollution coverage, and firms seeking combined professional and pollution protection. Not a fit: large contractors performing heavy remediation or firms with repeated large contaminant releases—submit those accounts and we will advise on referral options. Coverage Highlights and Advantages Occurrence-form General and Contractors Pollution Liability available with complementary Claims-Made Professional Liability or Monoline Professional Liability. Prior acts (retroactive) coverage can be offered where needed. Defense costs can be included in or provided in addition to policy limits; first-dollar defense options are available. Transportation Pollution Liability can be added for any or all insured vehicles handling samples or waste. Site Pollution Liability for offices or laboratories — useful where on-site storage, minor handling, or lab waste is present. Supplemental and ancillary coverages available: Non-Owned & Hired Auto (endorsed to CGL), Employee Benefit Plan Liability, Stop-Gap Employers Liability (endorsed), Umbrella and Owners/Contractors Protective Liability. Mold coverage: available; minimum premiums will vary by location and classification. Underwriting Notes and Minimum Premiums Indications are often available quickly upon receipt of completed submissions from other carriers; we frequently bind using another carrier’s application when acceptable. Key submission items: current applications (professional and GL), loss runs, details on sampling/transportation procedures, lab QA/QC documentation, and descriptions of any prior environmental incidents. Minimum premiums vary by state, classification and coverage selections — contact our team for a tailored indication. Territories and Availability This program is available for accounts operating in the following states: 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, WY. Availability and regulatory placement (admitted vs. non-admitted) can vary by state and carrier—please confirm when submitting. Why Work With Capitol Special Risks on This Business Wholesale broker access to multiple specialty carriers experienced in environmental and professional liability. Fast turnaround and the ability to bind quickly — we frequently accept completed applications used for other markets. No broker fee charged by Capitol Special Risks. Flexible coverage options to combine CPL, Professional Liability and transportation/site extensions into a single tailored program. Example placements You might have a small environmental consulting firm that conducts Phase I/II ESAs, oversees subcontracted remediation, and transports soil/water samples. This program can combine professional liability with transportation pollution protection and site pollution coverage for the small office/lab. You might place a regional testing laboratory that analyzes environmental samples and needs professional liability plus limits that recognize on-site chemical handling and chain-of-custody exposures. We can quote lab-specific endorsements and defense options. 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 environmental firms are a good fit for this program?Small to mid-sized environmental consultants and testing laboratories with formal QA/QC, limited on-site remediation activity, and controlled transportation of samples are ideal. Larger, heavy remediation contractors may require referral to a different market. Can I add transportation pollution coverage for sample collection vehicles?Yes. Transportation Pollution Liability can be added for any or all insured vehicles to cover pollution exposures while transporting samples or waste. Do you offer prior acts or retroactive coverage?Prior acts coverage is available in many cases. Availability and effective retroactive dates depend on underwriting review and carrier terms. What submission materials should I include to get a quick indication?Include the insured’s professional and general liability applications, current loss runs, descriptions of sampling/transportation procedures, lab QA/QC documentation and details on any past environmental incidents. We can often provide indications quickly when those items are supplied. Need help placing an account? Connect with a market specialist.

Professional Liability for Small Business Consultants Capitol Special Risks offers a focused Small Business Consultants Professional Liability Insurance program built for the exposures consultants face today. Vicarious-liability claims and contract disputes are rising; even careful consultants can be named in suits alleging negligent advice. This program helps you place professional liability protection for small consulting firms so your clients can operate with greater confidence. Ideal Accounts and Risk Appetite This program is intended for independent consultants and small consulting businesses with $1,000,000 or less in gross annual revenue. It targets a broad range of professional consultants, including: Marketing and public relations consultants Management and business strategy consultants HR, organizational development, and talent consultants IT and software consultants (advisory services; non-product vendors) Training, learning, and education consultants Not eligible: This program excludes higher-risk professions such as attorneys, CPAs, real estate consultants, investment/financial advisors, safety consultants, and medical or engineering consultants. Coverage Highlights and Optional Enhancements Capitol Special Risks places a robust core professional-liability form with several optional enhancements commonly requested by your clients: Automatic Additional Insured (A/I) status Contingent Bodily Injury/Property Damage sublimit of $250,000 Defense costs outside the limits (capped at the aggregate policy limit) HIPAA/HITECH breach sublimit of $250,000 50/50 cooperation clause Third-party discrimination coverage Punitive damages coverage where insurable by law Independent contractor coverage These features are designed to protect consultants from the financial fallout of claims tied to advice, professional services, or third-party exposures — including situations where the insured is alleged to have done nothing wrong. Underwriting Considerations and Minimum Premiums The program favors accounts with straightforward or moderate risk profiles. To be eligible, accounts must report $1,000,000 or less in annual revenue. Underwriting evaluates factors such as the consultant’s service lines, contract language, claim history, use of subcontractors, and whether they provide any insured products or financial advice. Minimum premiums vary by risk characteristics and the optional coverages selected. Capitol Special Risks aims for quick underwriting decisions and transparent terms to help you place business efficiently. Available States and Admitted Status This program is available in most states, including CA, TX, FL, NY, IL, GA, and 40+ others. Coverage can be placed on admitted or non-admitted paper depending on state and carrier availability. Why Work With Capitol Special Risks? As a wholesale broker, Capitol Special Risks combines market access with deep E&O and professional-liability experience. Their underwriters understand consulting exposures and work with multiple carriers to deliver competitive solutions. Key service advantages include fast turnaround times and no broker fees, helping you serve clients quickly and keep placement costs competitive. Example accounts that typically fit: a solo HR consultant who provides policy and training guidance to local employers, or a boutique marketing firm that advises clients on campaigns and media strategy. Both have limited revenue, clear scope of services, and need primary professional-liability protection without carrier restrictions tied to higher-risk classes. 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?Independent consultants and small consulting firms with less than $1,000,000 in gross annual revenue — such as marketing, HR, IT (advisory), and management consultants — are ideal candidates for this program. Are there any professional classes that are not eligible?Yes. The program excludes higher-risk professionals including attorneys, CPAs, real estate consultants, investment advisors, safety consultants, and medical or engineering consultants. What optional coverages are available?Optional enhancements include Additional Insured status, HIPAA/HITECH breach sublimits, third-party discrimination, contingent BI/PD, punitive damages where insurable, and independent contractor coverage. Is this program available in all states?No, but it is available in most states, including CA, TX, FL, NY, and others. Admitted versus non-admitted paper depends on state and carrier options. What is the typical turnaround time for quotes?Capitol Special Risks offers fast turnaround and does not charge broker fees, enabling you to place accounts quickly and cost-effectively. Need help placing an account? Connect with a market specialist.

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Home inspectors face unique professional liability exposures and can be held liable for actual or alleged inspection errors. From missed structural issues to failure to disclose potential hazards, these professionals are vulnerable to lawsuits that can severely impact their business. Capitol Special Risks (CSRisks) offers a comprehensive Home Inspector Insurance program designed to protect your insureds from these risks and provide peace of mind in a highly litigious industry. Program Overview from Capitol Special Risks CSRisks is a fully licensed wholesale broker specializing in surplus lines coverage. With multiple Certified Insurance Counselors on staff, we provide expert guidance to retail agents seeking tailored Professional Liability and Errors & Omissions (E&O) solutions. Our Home Inspector Insurance program is designed to meet the unique needs of inspectors across a wide variety of residential and light commercial settings. Ideal Accounts and Appetite This program is a strong fit for licensed home inspectors performing residential property inspections, with incidental commercial inspections (less than 10% of total revenue) included automatically. Common clients include: Independent home inspectors Inspection firms with multiple inspectors Inspectors offering add-on services like radon testing or pool inspections You can place accounts for firms of any size — from solo operators to multi-inspector businesses — under a single policy. Coverage Highlights and Advantages Our Home Inspector Insurance program includes critical protections and built-in features: E&O Coverage: Protects against claims of negligence, failure to identify issues, improper inspections, and more. General Liability: On-premises Bodily Injury & Property Damage with a $500,000 sublimit for the corporate entity. Prior Acts Coverage: Available if included in the current policy. Automatic Tail Coverage: 60 days post-policy expiration. Multi-Inspector Flexibility: Cover multiple inspectors under one policy with tiered pricing per additional inspector ($1,000–$1,500). Referring Party Coverage: Protects third parties for vicarious liability arising from covered wrongful acts. Optional enhancements allow agents to customize coverage for specialized services such as: Mold, lead paint, and WDI/termite inspections Water, septic, pool & spa inspections New construction and phase inspections Code compliance and EIFS/stucco evaluations Carbon monoxide detection and cracked heat exchanger issues Extended tail coverage (1–3 years) Underwriting Notes and Minimum Premiums Minimum premiums vary depending on the number of inspectors, scope of services, and optional coverages selected. Our underwriters assess each account individually to ensure a proper fit and pricing structure. We offer fast turnaround and never charge a broker fee, helping you close more business efficiently. Territories and Availability This program is available on a non-admitted basis in all 50 states, including DC. Whether you’re placing business in urban markets like California or New York or rural areas in the Midwest or South, CSRisks can help provide access to the appropriate coverage. Why Work With Capitol Special Risks With decades of experience and a dedicated team of Professional Liability specialists, Capitol Special Risks offers a high level of service and customized solutions for agents working with home inspectors. Our team works closely with you to evaluate risks, answer coverage questions, and ensure your clients receive the right protection without unnecessary costs or delays. Contact us today to learn more about placing your home inspector clients with Capitol Special Risks. 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 Home Inspector Insurance program?This program is ideal for independent home inspectors, small to mid-sized inspection firms, and inspectors offering ancillary services such as radon or pool inspections. Commercial inspections under 10% of revenue are also acceptable. Are multiple inspectors covered under a single policy?Yes, the program allows multiple inspectors to be covered under one policy. Additional inspectors can be added for an incremental premium, typically between $1,000 and $1,500 each. What optional coverages are available?Optional enhancements include mold, lead paint, water/septic, WDI/termite, EIFS/stucco, carbon monoxide, new construction, and 1–3 year tail coverage extensions. Is prior acts coverage available?Yes, prior acts coverage is available if it was included in the insured’s current policy. Each submission is reviewed individually to confirm eligibility. In which states is this program available?This program is available in all 50 states on a non-admitted basis. Capitol Special Risks can help you place business regardless of location. Need help placing an account? Connect with a market specialist.

Employment Practices Liability Insurance from ...Territories and Availability Our Employment Practices Liability program is available i...

... agents placing accounts for: Community banks and national banks with REO e...eared toward lenders, loan servicers, banks, credit unions and mortgage banker...

...r your clients are dealing with employment practices allegations or claims tie...orities. Does the coverage include employment practices liability?Yes, the policy includ...