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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...

... bookkeepers, and tax preparers Graphic designers, photographers, and videog...rs such as consultants, accountants, graphic designers, educational professionals, and ...

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.

...s Creative industries such as graphic designers and media producers Re...al services—whether it’s a freelance graphic designer launching their own stud...