Search CompleteMarkets

Directors & Officers Insurance Program from Superior Access Superior Access Insurance Services, Inc. offers a focused Directors & Officers (D&O) Insurance program that helps protect the personal assets of directors, officers and in many cases the organization itself when leadership faces management-related claims. This wholesale program is designed for agents and brokers looking for flexible market access and tailored management liability solutions for privately held businesses, nonprofits, startups and other organizations. Ideal Accounts and Target Classes The program fits a wide range of management liability needs, including: Private companies with active boards or outside investors Nonprofit organizations and trade associations Startups and growth-stage firms preparing for funding Companies undergoing mergers, acquisitions, or internal restructuring Whether you represent a small volunteer-led nonprofit or a tech startup taking on outside capital, this D&O program can be tailored to the account’s governance and exposure profile. Coverage Highlights and Advantages Superior Access places D&O limits that address common leadership exposures and can layer optional protections to meet an insured’s needs. Common coverages and extensions include: Directors & Officers liability for alleged wrongful acts Employment Practices Liability (EPLI) for discrimination, harassment, and wrongful termination claims Entity-side coverage and Side A/B/C options where available Errors & Omissions for managerial advice or professional exposures tied to leadership decisions Bankruptcy or liquidation-related exposures Acquisition/investment-related claims and representational exposures Carriers and available forms vary by state and account characteristics; Superior Access works with multiple markets to assemble competitive and practical placements. Underwriting Notes and Minimum Premiums Underwriting for this program is responsive and designed to handle a broad risk spectrum. Minimum premiums and final terms depend on industry, revenue, employee count, governance practices, and claims history. Superior Access reviews each submission to identify the most appropriate admitted or non-admitted market for the account. Territories and Availability This D&O program is available in most U.S. states, including CA, TX, FL, NY, IL and GA, and Superior Access provides market access across Washington, D.C. and the continental United States. Availability may vary by carrier and coverage form, so confirm state eligibility when submitting. Why Work with Superior Access? As a wholesale broker specializing in professional and management liability, Superior Access offers agents streamlined access to multiple carrier partners and experienced underwriting support. Their strengths include: Fast quote turnaround and hands-on placement assistance Access to both admitted and non-admitted solutions depending on the account Flexibility to handle complex or non-standard risks Guidance on application presentation and loss-control considerations These capabilities help you place D&O business more efficiently and increase the chance of a successful placement for challenging accounts. Contact us today to learn more about our Directors & Officers program! Frequently Asked Questions What types of accounts are a good fit for this program?This program is a good fit for private companies, nonprofits, startups, and other organizations with boards or leadership teams that face management liability exposures. Is Employment Practices Liability Insurance (EPLI) included?EPLI is available as part of the D&O program and can be added to address claims such as discrimination, harassment, and wrongful termination. What is the minimum premium for this coverage?Minimum premiums vary by industry, size, and claims history. Contact Superior Access for underwriting guidance and a quote tailored to your client. Which states is this program available in?The D&O program is available in most U.S. states, including major markets. Confirm state-specific availability when you submit the account. Do you work with multiple carriers for this program?Yes. Superior Access works with a variety of carriers to provide flexible and competitive D&O solutions that match the account’s needs. Need help placing an account? Connect with a market specialist.

By The Cover® is Brownyard Group's specialized insurance program designed exclusively for libraries. Developed in partnership with library insurance experts with decades of industry experience, the program addresses the unique risks faced by libraries with comprehensive, competitively priced insurance solutions. Policies are written through highly rated insurance carriers and are available through insurance agents and brokers. Who We Insure: Public Libraries Private Libraries Research & Academic Libraries We’re ready to review your submissions today. Send full applications to [email protected] for clients you think might fit our program. https://brownyard.com/insurance-programs/libraries-insurance/ CORE COVERAGES General Liability Employee Benefits Liability Extended “Bodily Injury” Definition Broadened Named Insured Broad Additional Insured Medical Payments for Athletic Participants Good Samaritan Coverage for Medical Emergencies Abuse or Molestation Coverage Limits to $1M per occurrence/$3M aggregate Business Auto The Brownyard Business Auto Program is designed especially for the Library industry and offers: Broad “Who is Insured” Coverage Broad “Covered Auto Liability” Coverage Broad “Towing and Labor Costs” Coverage Plus many other enhancements to coverage Commercial Property Coverage on Buildings, Contents, Loss of Income, and Extra Expense Flood or Backup of Sewers and Drains – $25,000 Ordinance or Law coverage – included up to building limit Coverage for Property of Others in your Care, Custody and Control Fine Arts – $35,000 Property in Transit -$50,000 Donation Assurance -$25,000 Property Off-Premises – $500,000 Inland Marine The Inland Marine Program is designed to offer Mobile Property coverage including: Library Book Floater (Borrowed Materials) Unscheduled Equipment Scheduled Equipment Electronic Data Processing Coverage Accounts Receivable Valuable Papers Employee Dishonesty (Crime) Employee Dishonesty is offered to protect against service contractor employees who perpetrate dishonest acts against their customers. This can cover: Administrators of Employee Pension and Benefit Plans Employee Theft/Forgery Money and Securities Computer Fraud Also Available: Directors & Officers (D&O)/Employment Practices Liability (EPLI) Wage & Hour Coverage Excess Liability Provides coverage over all of the underlying package policies

...logy & Cyber's Military and Government Technology Consultant Insurance (Mi...it from program-level knowledge of government contract exposures and from unde...

McGowan Program Administrators Community Associations D&O Insurance Overview of the Program from McGowan McGowan Program Administrators offers a focused Directors & Officers (D&O) Liability Insurance program built for community associations. The program addresses the governance, management, and volunteer exposures that boards, property managers, and association professionals face. Designed for agents and brokers, the offering combines flexible underwriting, carrier access, and coverage tailored to common association disputes — both monetary and non-monetary — so you can place accounts with confidence. Ideal Accounts and Appetite This program fits a broad range of community association types, including: Homeowners associations (HOAs) Condominium associations Cooperatives Townhome associations Planned unit developments (PUDs) Master associations Rental pool associations Property owners associations Timeshare associations Common interest developments Commercial associations and mixed-use condos Typical fits include owner-occupied and mixed owner/rental associations, developer-controlled boards, and metropolitan condo associations. Accounts with standard governance structures and routine assessment collections are strong candidates. Unusual or high-hazard exposures should be submitted for review — McGowan can often consider unique risks but will evaluate on a case-by-case basis. Coverage Highlights and Advantages McGowan’s Community Associations D&O Insurance provides features that respond to the most frequent and costly association claims: Available limits from $1 million up to $5 million Defense and indemnity for monetary claims against insureds Defense-only coverage for non-monetary relief (for example, injunctive actions) Broad definition of insureds: directors, officers, the entity, property managers, volunteers, committee members, employees, and leased employees Defense for third-party contract disputes involving the association Defense for claims alleging failure to obtain or maintain insurance Third-party discrimination coverage Eligibility available for developer-controlled boards These elements help associations manage litigation risk, protect volunteer leadership, and reduce the financial impact of governance-related lawsuits. Underwriting Notes and Minimum Premiums McGowan places this program through multiple carrier partners and offers flexible underwriting solutions. Each account is assessed individually based on exposures, governance practices, claims history, and financial condition. Minimum premiums and final terms vary by carrier and state; submit the risk for a tailored quote and underwriting guidance. Territories and Availability This program is available nationwide — all 50 states and Washington, D.C. Agents can submit accounts from California to Florida and everywhere in between. Coverage placement options may vary by state and carrier, so consult McGowan’s underwriting team for state-specific considerations. Why Work With McGowan on This Business As a program administrator and managing general underwriter, McGowan brings dedicated expertise in community association risk. Their underwriters understand association governance, common dispute drivers, and practical coverage structures. Partnering with McGowan gives you access to multiple carrier relationships, responsive service, and solutions for both stand-alone D&O placements and packaged programs. If you need a reliable market that knows association exposures, McGowan is positioned to help you place and service these accounts effectively. For more information on Community Associations D&O Insurance, please contact us! Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for residential and commercial community associations, including HOAs, condominium associations, cooperatives, planned unit developments, and master associations. Does the program cover non-monetary claims such as injunctive relief?Yes. The program includes defense coverage for non-monetary claims, which commonly occur in association disputes seeking injunctive relief or similar remedies. Are developer-controlled boards eligible for coverage?Yes. Associations with boards controlled by developers can be eligible. Underwriting will review the developer relationship and related governance exposures. Who is considered an insured under this policy?Insureds typically include directors and officers, the association entity itself, property managers, committee members, volunteers, employees, and leased employees, subject to policy terms and definitions. In which states is this program available?The Community Associations D&O Insurance program is available in all 50 states and Washington, D.C. Coverage options and carrier availability may vary by state. Need help placing an account? Connect with a market specialist.

At Irwin Siegel Agency we offer a flexible Directors & Officers (D&O) and Employment Practices Liability (EPLI) program designed for both nonprofit and for-profit organizations. This program protects boards, individual directors and officers, and eligible employees from claims brought by donors, employees, clients, regulators, or third parties arising from alleged wrongful acts, employment practices, fiduciary errors, or management decisions. Our placement options include admitted and non-admitted paper with access to multiple national carriers to meet a wide range of risk profiles. Program Highlights Monoline D&O and EPLI — tailored for private companies, nonprofits, associations, and similar classes Separate limits for D&O and EPLI to preserve capacity Admitted and non-admitted paper available across markets Defense costs outside the limit on most forms Low retentions and flexible deductible options Fiduciary liability available as an add-on Third-party EPLI coverage included where applicable Punitive damage coverage where insurable Prior acts (retroactive date) options offered Outside directorship coverage available Free risk management helpline to help insureds reduce exposure Carriers we place with include USLI, Devon Park, Westchester/CHUBB, and Berkshire Hathaway Specialty. *Ask about class exceptions and specific underwriting guidelines. Overview — Irwin Siegel Agency D&O / EPLI Program Irwin Siegel Agency acts as a program administrator to deliver D&O and EPLI solutions that fit small and mid-sized private companies, nonprofit boards, trade and professional associations, and similar organizations. The program is structured to give agents flexible placement options, separate limits for management and employment liabilities, and a choice of admitted or non-admitted carriers depending on the account and jurisdiction. Ideal Accounts and Appetite Nonprofit organizations, membership associations, and human/social service entities Privately held companies and professional firms with board governance exposures Organizations seeking separate D&O and EPLI capacity or low retentions Accounts that can benefit from risk management support and outside directorship coverage While the program is broad in scope, agents should consult underwriting for publicly traded entities, large public companies, or complex financial institutions — these may require specialized markets. Coverage Advantages Separate limits for D&O and EPLI help protect aggregate capacity. Defense costs outside the limit on many programs reduces erosion of limits. Prior-acts options help cover historical exposure for organizations with clean loss runs. Available fiduciary liability and outside directorship coverage provide one-stop capability for typical executive exposures. Access to admitted and surplus lines carriers gives placement flexibility by state and appetite. Underwriting Notes and Minimum Premiums Underwriting considers governance practices, claims history, payroll size, revenue, industry, and management stability. Typical submission items include an application, current D&O/EPLI loss runs, bylaws or governance documents (for nonprofits), and HR/employment practices information. Minimum premium varies by carrier, line, and state — please refer to the carrier guidelines or contact underwriting for state-specific minimums. Territories and Availability This program is available in the following states and territories: 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, DC, WV, WI, WY. Placement may be admitted or non-admitted depending on state rules and carrier appetite. Why Work With Irwin Siegel Agency on D&O / EPLI Program administrator with direct access to national carriers and specialized markets. Flexible admitted and surplus options help you place difficult or cross-jurisdictional risks. Seamless bundling of D&O, EPLI, and fiduciary products where needed. Risk management resources and a helpline that can reduce frequency and severity of employment exposures. Responsive underwriting and placement support aimed at getting decisions quickly for small and mid-sized accounts. For more information about Irwin Siegel Agency's Directors & Officers and Employment Practices Liability Insurance, call 800.622.8272 or visit the program page on the Siegel Agency website: https://www.siegelagency.com/insurance-programs/d-and-o-epli/. Frequently Asked Questions What types of accounts are a good fit for this D&O/EPLI program?Private companies, nonprofit boards, associations, and similar entities that need separate D&O and EPLI limits, low retentions, or access to admitted and surplus markets are a strong fit. Agents should submit organizations with clear governance and standard HR practices for best results. Which carriers and placement options are available?Irwin Siegel Agency can place this program with markets including USLI, Devon Park, Westchester/CHUBB, and Berkshire Hathaway Specialty. Both admitted and non-admitted paper are used depending on state and account characteristics. What submission materials will underwriters typically request?Expect to provide a completed application, recent loss runs for D&O/EPLI, financials or revenue information, documents that describe board governance (for nonprofits), and details about HR policies and any past employment claims. Are prior acts (retroactive date) and fiduciary liability available?Yes. Prior acts coverage is available subject to underwriting, and fiduciary liability can be added where appropriate. Availability depends on carrier selection and the insured’s loss history. How are minimum premiums handled?Minimum premiums vary by carrier, state, and coverage package. Contact Irwin Siegel Agency underwriting for state-specific minimums and quoting thresholds. Need help placing an account? Connect with a market specialist.

Limits Available Directors & Officers and Employment Practices $5,000,000 limit available Business Owners Package for Homeowners Associations under 100 Units General Liability - $2,000,000/$4,000,000 Property - $300,000 blanket coverage available (excluding buildings) Preferred Classes Residential Condominiums Associations Homeowners Associations Retail Associations Cooperatives Property Owner Associations Dock Associations Office/Industrial Parks Mobile Home Parks Planned Unit Developments Restricted Classes Master Associations Rental Associations Condo-Hotels Timeshares Overview of the Program from Advanced E&S Group – Southeast Region Advanced E&S Group – Southeast Region offers a specialized COMMUNITY ASSOCIATIONS D&O/EPLI Insurance program tailored for agents and brokers seeking reliable markets for residential and commercial associations. This solution is designed to address the unique management liability exposures faced by boards and officers of community associations, including wrongful acts, employment issues, and governance-related claims. With access to multiple carriers and deep experience in the community association space, Advanced E&S Group provides flexibility, competitive limits, and underwriting insight to help you successfully place your clients' risks. Ideal Accounts and Appetite This program is best suited for established and well-managed community associations. Preferred classes include: Residential Condominium Associations Homeowners Associations (HOAs) Retail and Property Owner Associations Cooperatives and Dock Associations Office and Industrial Parks Mobile Home Parks Planned Unit Developments For example, you might have a client managing a 75-unit condominium in a coastal state with a solid HOA board and no recent claims history—this would be a strong fit for the program. Coverage Highlights and Advantages D&O and EPLI Limits: Up to $5,000,000 available for Directors & Officers and Employment Practices Liability. Business Owners Package: Available for HOAs under 100 units and includes: General Liability: $2,000,000 per occurrence / $4,000,000 aggregate Property: Blanket coverage up to $300,000 (excluding buildings) This comprehensive structure allows agents to provide layered protection for boards of directors, employees, and volunteers within associations, all in one streamlined package. Underwriting Notes and Minimum Premiums The program is written on a non-admitted basis through various carriers. Minimum premiums vary by risk size, location, and coverage selected. Underwriting is flexible but focuses on associations with good governance and a clean loss history. Restricted classes include: Master Associations Rental Associations Condo-Hotels Timeshares Associations with frequent tenant turnover or vacation-rental exposure may fall outside the appetite. Territories and Availability The COMMUNITY ASSOCIATIONS D&O/EPLI Insurance program is available in most U.S. states, including but not limited to FL, TX, CA, GA, NY, and NC. Coverage is currently offered in all states except those requiring admitted-only markets. Availability includes DC and all 50 states. Why Work With Advanced E&S Group? Advanced E&S Group is a trusted Managing General Agency with deep expertise in community association risks. Their Southeast Region team understands the nuances of local and regional exposures and works closely with agents to tailor solutions that meet the specific needs of each association. With access to a broad range of carriers, they provide flexible solutions, responsive service, and underwriting support that helps agents win and retain business in this niche space. Frequently Asked Questions What types of accounts are a good fit for this program?The program is ideal for residential condominium associations, HOAs, mobile home parks, and planned unit developments with good governance and minimal loss history. Are business owners packages available for smaller associations?Yes, BOP coverage is available for homeowners associations with fewer than 100 units, including general liability and property coverage (excluding buildings). Is this program admitted or non-admitted?This program is written on a non-admitted basis through various carriers, allowing greater flexibility in coverage and underwriting. Which states is the program available in?The program is available nationwide, including DC and all 50 states, subject to eligibility and underwriting requirements. What are some restricted classes?Restricted classes include master associations, rental associations, condo-hotels, and timeshares. Need help placing an account? Connect with a market specialist.

...ng neighborhoods, or fulfilling government contracts, we offer the underwritin...r General Liability is $2,500. Are government contracts eligible for coverage?...

McGowan Program Administrators Historical Institutions Insurance Overview The McGowan Companies’ Historical Institutions Insurance program is a specialty market designed for museums, cultural institutions, performing arts groups and related nonprofit organizations. As a managing general underwriter, McGowan offers tailored combinations of umbrella, directors & officers (D&O), employment practices (EPLI) and fiduciary liability coverage through a variety of admitted and non-admitted markets. Coverage options are structured to protect institutional assets, volunteer leadership, employees and the organization’s reputation from the unique exposures faced by historical and cultural institutions. Ideal Accounts and Target Classes This program targets not-for-profit and municipal/affiliate institutions with exposures common to museums, galleries and cultural venues. Typical classes we place include: Aquariums, planetariums and nature centers Arboretums, botanical gardens and natural history museums Art galleries, children's museums and general museums Historical societies & museums and heritage organizations Orchestras, theater groups and other performing arts organizations Accounts with paid staff, active volunteer programs, and boards with fiduciary responsibilities are a particularly good fit. Coverage Highlights Umbrella limits: $1M – $25M (available to follow form over specified underlying lines) Directors & Officers (D&O): $1M primary limits with broad features Employment Practices Liability (EPLI): $1M limits Fiduciary Liability: $500,000 limits Key D&O features include defense costs outside the limits, coverage for monetary and non-monetary claims, personal injury offense coverage, third-party discrimination, defense of breach of third-party contract claims and publishers liability. EPLI wording names the organization, executives, employees and volunteers as insureds to reflect the makeup of cultural institutions. Available Umbrella "Follow Form" Coverages Umbrella follow-form capacity can be written over: General Liability Automobile Liability Employee Benefits Liability Directors & Officers Liability Employers Liability Liquor Liability Underwriting Notes Underwriting focuses on governance, risk management practices, claims history and exposures tied to volunteers and public events. Accounts with robust board oversight, formal HR practices, documented volunteer supervision and secured exhibition handling score favorably. High-risk features such as primary liquor exposure without controls, large unguarded populations, or significant special event admissions may require additional terms or decline. Carrier availability varies by account and state. Please submit with current financials (if available), a description of operations and any recent loss runs to obtain market-specific terms. Minimum premiums and final placement terms are set by the admitted or non-admitted carrier selected for each risk. Territories and Availability This program is available 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, DC, WV, WI, WY. Carrier options and admitted status may vary by state. Why Place This Business With The McGowan Companies McGowan Program Administrators combines niche underwriting expertise with access to multiple markets, giving brokers flexibility to place complex cultural and nonprofit risks. The program is designed for efficient quoting and placement for accounts that need management liability, employment practices and umbrella layering that align with the operational realities of museums, galleries and performing arts organizations. Example Scenarios You have a midsize historical society with paid staff, a 12-member volunteer board and annual special events — this program can combine D&O, EPLI and umbrella limits to address leadership, employee and third-party exposures. You represent a regional children’s museum that hosts classes, summer camps and ticketed public exhibitions — EPLI with volunteer coverage plus umbrella follow-form capacity may be appropriate to protect both day-to-day operations and special events. For submission guidance and current appetite, contact McGowan Program Administrators. Provide a brief operations statement, current underwriting application, and loss history to begin placement. Frequently Asked Questions What types of historical institutions are a good fit for this program?This program is geared to museums, galleries, botanical gardens, arboretums, nature centers, planetariums, orchestras, theater groups and similar cultural nonprofits—especially those with a formal board, paid staff and organized volunteer programs. Which limits and coverages are available?Available coverages include umbrella limits from $1M to $25M, D&O ($1M), EPLI ($1M) and fiduciary liability ($500,000). Umbrella follow-form options can sit over GL, auto, employee benefits, D&O, employers liability and liquor liability where appropriate. Are placements admitted or non-admitted?Carrier selection varies by state and account—placements may be admitted or non-admitted depending on the market. McGowan will advise on carrier options and regulatory position during quoting. What submission materials improve placement speed?Include a current operations summary, recent loss runs (typically five years if available), an application for management liability and a description of volunteer and event policies. Strong governance and documented HR practices help secure favorable terms. Need help placing an account? Connect with a market specialist.