Search CompleteMarkets

...al insurance websites with custom graphics, content tailored to your agency, r...

Architects and Engineers engage in a broad range of disciplines that vary significantly from project to project. From structural design to environmental planning, each engagement brings unique professional liability risks. Whether it's potential bodily injury, property damage, or environmental exposures like pollution, your clients need comprehensive protection tailored to their profession. Capitol Special Risks offers a versatile Architects and Engineers Professional Liability Insurance program designed to meet these challenges head-on. This program is available in all 50 states and is written on a non-admitted basis through multiple trusted carriers. Ideal Accounts and Appetite Capitol Special Risks is positioned to help you place a wide range of architect and engineering accounts, from solo practitioners to mid-sized firms engaged in commercial, residential, or public projects. Ideal risks include: Architectural design firms handling commercial construction Civil and structural engineers involved in infrastructure projects Environmental engineers with potential pollution exposures Firms providing software or digital tools as part of their services Hard-to-place or non-standard risks are welcome, including firms with prior claims or those working on high-risk projects. Whether your client is designing bridges or creating construction software, this program offers a flexible and competitive solution. Coverage Highlights and Advantages Capitol Special Risks’ A&E Professional Liability program features broad and customizable coverage, including: Personal and Advertising Injury, including consequential bodily injury Pollution Conditions coverage Consent to Settle Clause (soft hammer at 50%) Coverage for software sold or supplied by the insured Punitive damages coverage where allowed by law Coverage extended to independent contractors, leased, and temporary employees Insured person includes spouse and domestic partner Full severability of all exclusions Worldwide coverage Mutual selection of claim counsel Self-insured retention reduced by 50% (up to $25,000) when mediation is used Discovery clause for reporting circumstances 45-day coverage for newly merged or acquired entities Blanket waiver of subrogation Blanket additional insured for pollution conditions Specific client or project excess limits available These features are designed to meet the evolving professional risk landscape of A&E firms. Underwriting Notes and Minimum Premiums Minimum premiums vary based on risk characteristics, services provided, revenue, and claims history. Capitol Special Risks works closely with agents to provide fast turnaround and tailored quotes for each submission. This program is especially suited for agents who need a flexible, responsive market with experience in non-admitted placements and complex risks. Territories and Availability This Architects and Engineers Professional Liability program is available in all 50 states, including DC. As a non-admitted solution, it offers greater flexibility in coverage terms and underwriting for unique or high-risk accounts. Why Work With Capitol Special Risks As a leading wholesale broker with extensive experience in professional liability, Capitol Special Risks is a trusted partner for independent agents nationwide. With access to multiple carriers, a deep understanding of the A&E space, and no broker fees, they offer a competitive edge in placing complex risks. Fast turnaround, underwriting support, and flexible solutions make Capitol Special Risks an excellent choice for brokers looking to grow their architecture and engineering book of business. Contact us today for your Architect and Engineers Professional Liability Insurance needs! 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?Ideal accounts include architectural firms, civil and structural engineers, environmental consultants, and design professionals involved with commercial, infrastructure, or public projects. Is this program available in all states?Yes, the Architects and Engineers Professional Liability Insurance program is available in all 50 states on a non-admitted basis. Can this program cover pollution or environmental exposures?Yes, the program includes coverage for pollution conditions, making it suitable for environmental engineers and other professionals with similar exposures. Are independent contractors or temporary employees covered?Yes, the policy extends coverage to independent contractors, leased, and temporary employees when working on behalf of the insured, as well as spouses and domestic partners. Does Capitol Special Risks charge a broker fee?No, Capitol Special Risks does not charge a broker fee for this program. Need help placing an account? Connect with a market specialist.

..., system integrators, imaging and graphic design professionals, e-commerce bus...nd network maintenance companies Graphic design, imaging and multimedia fi...

Expertise. Solution. Service. Here at MAXIMUM we understand the intricacies and obligations of the professional liability sector. That is why we created the Professional Solutions Insurance package — a tailored program that combines rigorous form analysis with flexible insurance structures to meet your clients' needs. Our MAX team reviews policy forms, identifies gaps, and crafts appropriate insurance terms to fit each account. Overview of the Program from MAXIMUM MAXIMUM’s Professional Solutions Insurance program provides wholesale access to national markets and editorial support for complex professional exposures. We partner with industry-leading carriers and can structure coordinated solutions across the P&C lines most relevant to professional and management risks. The program is designed for agents and brokers who need a partner that understands form language, coverage nuances, and placement strategies for difficult-to-place accounts. Coverage Expertise: • Crime liability • Long term care liability • Technology / Cyber liability • Architects & Engineers liability • Employment Practices liability (EPL) / HR exposures • Errors & Omissions (E&O) insurance • Directors & Officers (D&O) insurance • Miscellaneous medical liability • Kidnap, Ransom & Extortion (KRE) insurance • Privacy & Network Security liability Ideal Accounts and Appetite This program is built for a wide range of professional classes, with particular depth in healthcare, technical design trades, and organizations with management exposure. Target classes include: • Architects and Engineers • Assisted living facilities • Nursing homes • Insurance agents and brokers • Gaming / Crime exposures • Home healthcare providers • Physician groups (10+ providers) • Private and public organizations • Law firms (10+ attorneys) • Surgical centers • Hard-to-place physicians • Not-for-profit organizations Typical fits are accounts with specialized professional exposures, claims-sensitive histories that benefit from form-by-form analysis, and clients requiring combined solutions across E&O, D&O, EPL, and cyber. Accounts that generally do not fit include highly speculative ventures without established controls or accounts that require admitted-only placement where admitted markets are not available. Coverage Highlights and Advantages Form review and policy tailoring — our team performs detailed form analysis to align coverage to client operations. Access to national markets — longstanding carrier relationships let us structure placements across the country. Multi-line flexibility — combine professional liability, management liability, cyber/privacy, and specialty coverages in coordinated solutions. Specialized underwriting — experienced underwriters who understand technical professions and healthcare specialties. Underwriting Notes and Submission Requirements Underwriting focuses on exposures, claim history, controls, and risk management practices. Submissions should generally include a current application, most recent loss runs (typically five years), prior policy forms/declarations, and any relevant risk management materials (policies, procedures, contracts). Flag accounts early that have complex limits, unusual contract wording, or recent losses so we can match them to the appropriate market quickly. Territories and Availability The Professional Solutions Insurance program has placement capability nationwide, including all 50 states and DC. As a wholesale broker, availability may vary by carrier appetite and by admitted vs. non-admitted options — submit accounts and we will confirm market eligibility and the best placement route for each state. Why Work With MAXIMUM on Professional Solutions Wholesale broker expertise — we act as an extension of your brokerage team, handling market placement and policy negotiations. Carrier relationships — long-standing partnerships allow us to structure non-standard placements and coordinate multi-line solutions. Service orientation — form analysis, coverage recommendations, and responsive underwriting support to help you close difficult accounts. Example scenarios: You have a ten-physician group with network security concerns and employment practices exposure — we can package E&O, cyber, and EPL in a coordinated submission. An A/E firm needs liability limits and contract wording review for a large public project — we perform form analysis and pursue carriers that will accept contractually sensitive terms. Please reach out to us today by phone or email with any questions and to discuss how we can assist you in this placement process. Frequently Asked Questions What types of accounts are a good fit for the Professional Solutions Insurance program?Accounts with professional, management, or technology exposures that need tailored forms and coordinated multi-line solutions — for example, A&E firms, healthcare providers, law firms, brokerages, and not-for-profits. We prefer accounts with supporting documentation (applications, loss runs, contracts) available for review. What submission materials should I include to start the placement?Include a current application, five years of loss runs, prior policy forms and limits, and any relevant risk management documents (contracts, cybersecurity policies, credentialing processes). Early disclosure of prior losses or high-severity exposures helps us route the account to the right market faster. Is the program available in all states?Yes — we have market access nationwide, including all 50 states and DC. Specific admitted or non-admitted options depend on carrier appetite for the class and state. How quickly can you get a quote or placement?Turnaround depends on account complexity and market response. Clean renewals or straightforward submissions can move quickly; contractually sensitive or claims-heavy placements require more time. Providing complete submission materials will expedite the process. Can you combine cyber or privacy coverage with professional liability?Yes. We routinely structure packages that combine E&O, cyber/privacy, EPL, D&O, and other specialty lines when appropriate to the client’s exposures and carrier appetite. Need help placing an account? Connect with a market specialist.

...rs Funeral Directors / Morticians Graphic Designers Payroll Service Providers ..., and creative professionals such as graphic designers. Example placements: A sole-p...

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.

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.