https://completemarkets.com/company/caitlin-morgan/contract-litigation-insurance/
Contract Litigation Insurance (CLI) from Caitlin Morgan Insurance Services protects your clients from the financial uncertainty that comes with breach of contract litigation. With millions of contract disputes filed yearly in the U.S. and a substantial chance that a losing party will be ordered to pay the opposing side’s attorney fees, CLI helps limit that exposure and strengthens your client’s position in negotiation and settlement.
Ideal Accounts and Appetite
This program is designed for businesses and individuals who are already involved in active contract disputes and need protection from the risk of paying an opponent’s legal fees. Coverage is event-driven and must be purchased within the first 12 months of active litigation, making it a timely placement opportunity for producers working a live matter.
Typical fits include—but are not limited to—plaintiffs or defendants in disputes over vendor or supplier agreements, partnership and shareholder disagreements, employment- and non-compete-related claims, and service or performance contracts. There are no strict limits on industry or business size; the program underwrites each matter on its individual facts.
Example scenarios:
A startup pursuing a former partner for breach of a non-compete and seeking coverage to avoid a potentially ruinous fee award if the case is lost.
A mid-sized manufacturer defending against a breach of supply contract where CLI can improve settlement leverage and cap downside exposure.
Coverage Highlights and Advantages
High coverage limits available to match the exposure of the dispute
Coverage written for both plaintiffs and defendants
Policy period covers the full duration of the lawsuit from purchase until resolution
One-time premium payment that is fully earned at binding
No deductible
Efficient one-page application to expedite submissions
Responsive underwriting with quick turnaround
Dedicated underwriters available to support complex or time-sensitive matters
Full commission paid on accepted accounts
CLI fills a gap most commercial policies exclude: the risk of paying the opposing party’s attorney fees. Offering this coverage can change litigation strategy, improve settlement outcomes, and give clients greater confidence in pursuing or defending claims.
Underwriting Notes and Minimum Premiums
Coverage must be placed within the first 12 months of active litigation. Underwriting is case-specific and focuses on the strength of the claim/defense, the jurisdiction, the parties involved, and potential fee exposure. The straightforward one-page application captures essential facts so underwriters can quickly assess risk.
Minimum premium and pricing vary depending on case particulars and requested limits. Early placement in the litigation lifecycle can be beneficial for pricing and binding; discuss timing with our underwriting team when you prepare a submission.
Territories and Availability
CLI is available across all 50 U.S. states and Washington, D.C. Caitlin Morgan Insurance Services works with multiple carrier partners and can provide admitted or non-admitted placements depending on jurisdiction and case details. Please confirm availability for a specific state or matter when you submit.
Why Work With Caitlin Morgan Insurance Services
As a wholesale broker and managing general underwriter with specialty program experience, Caitlin Morgan Insurance Services focuses on niche products that help agents win and retain business. Their underwriters combine fast turnarounds with tailored guidance so you can place time-sensitive, event-driven accounts confidently. Working through Caitlin Morgan gives you access to multiple markets and placement options for hard-to-place litigation exposure.
Frequently Asked Questions
What types of accounts are a good fit for this program?Businesses or individuals involved in a breach of contract lawsuit within the first 12 months of litigation, regardless of industry or size, are eligible for coverage.
Can both plaintiffs and defendants be covered?Yes. The policy is available to both plaintiffs and defendants involved in contract disputes.
How long does coverage last?Coverage applies for the full duration of the lawsuit from the point of purchase until the matter concludes.
What is the application process like?Agents submit a simple one-page application; underwriting decisions are typically turned around quickly to accommodate live litigation timelines.
Is this program available in all states?Yes. Caitlin Morgan offers this program in all U.S. states and Washington, D.C., with admitted and non-admitted options depending on the carrier and jurisdiction.
Need help placing an account? Connect with a market specialist.
https://completemarkets.com/company/ajwayne/Real-Estate-Agent-Insurance/
Real Estate Agent Insurance Program from Alexander J. Wayne & Associates, Inc.
One in every five real estate agents or brokers will face a lawsuit during their career—don’t let your clients become just another statistic. Alexander J. Wayne & Associates, Inc. offers a dedicated Real Estate Agent Insurance program designed to meet the unique challenges and risks faced by professionals in today’s evolving real estate landscape.
We understand the wide range of roles within the real estate industry and have built a program to serve them all—from residential brokers to property managers to home inspectors. With strong carrier relationships and underwriting expertise, we can help you place both standard and hard-to-place risks.
Ideal Accounts and Eligible Classes
Our program is tailored to cover a broad spectrum of real estate professionals, including:
• Asset Managers
• Facilitators
• Lead Paint Inspectors
• Mortgage Bankers and Mortgage Brokers
• Mortgage Field Representatives
• Residential Real Estate Agents / Brokers
• Real Estate Consultants
• Home Inspectors
• Leasing Agents
• Property Managers
• Residential Real Estate Appraisers
• Relocation Consultants
If you work with real estate professionals who operate independently, manage multiple properties, or provide inspection or consulting services, this program is built to help you meet their diverse insurance needs.
Coverage Highlights and Policy Enhancements
Our Real Estate Agent Insurance program offers comprehensive coverage options, including several valuable enhancements that address real-world exposures:
• Coverage for Independent Contractors: Extends protection to 1099 real estate professionals.
• Lock Box Coverage: Covers property damage caused by compromised lock boxes.
• Pollution Coverage: Provides protection against environmental hazards or contamination claims.
• Discrimination Coverage: Protects against allegations of discrimination in hiring or client interactions.
• Personal Injury Coverage: Covers libel, slander, and defamation, especially relevant for online content.
• Punitive Damages Coverage: Included where insurable by law.
• Automatic Coverage for Acquired Subsidiaries: Streamlines coverage for small acquisitions.
• Common Ownership: Covers residential property sales involving affiliated development firms.
• Real Estate Equity Interest: Extends coverage to sales of owned residential property.
This program is especially valuable for clients who manage multiple properties, operate as part of a team of contractors, or have exposure to discrimination or professional liability claims.
Underwriting Notes and Minimum Premium
We offer flexible underwriting for both standard and hard-to-place risks. Most markets are available on a non-admitted basis, allowing us to tailor coverage to meet specific client needs.
Minimum Premium: $2,000
Admitted Status: Most Available Markets
Available Carriers: E-risk, Chartis, BRP, PRF, Axis, Schinnerer, Brown and Brown, Gen Star, Hiscox, Kinsale, Lexington, Liberty, US Risk, Houston Casualty, Shand, Specialty Global, USLI, Travelers, Tudor, Pearl Program, Landy
Territories and State Availability
This program is available in most U.S. states, including but not limited to: CA, TX, NY, FL, IL, GA, AZ, CO, WA, and more. We offer national reach with localized underwriting support.
Why Work With Alexander J. Wayne & Associates, Inc.?
As an experienced Excess & Surplus Lines Broker, Alexander J. Wayne & Associates, Inc. brings decades of experience in placing professional liability and E&O risks. Our Real Estate Agent Insurance program combines underwriting expertise with access to a wide range of carriers, helping agents and brokers like you place coverage that fits your client’s operations and risk profile.
Whether you’re working with a startup residential broker or a large firm with multiple affiliated services, we’re here to help you find the right coverage solution.
Contact us today to learn more about placing real estate risks through our program.
Frequently Asked Questions
What types of accounts are a good fit for this program?This program is ideal for real estate agents, brokers, appraisers, property managers, inspectors, and other professionals in residential real estate. Independent contractors and firms with multiple service lines are also a strong fit.
Is coverage available for hard-to-place or high-risk clients?Yes, our program is designed to accommodate both standard and hard-to-place risks. We work with a wide range of carriers to help you find solutions for complex exposures.
Are independent contractors covered under this policy?Yes, we offer specific coverage extensions for independent contractors, ensuring they are protected when operating under your client’s business entity.
What is the minimum premium for this program?The minimum premium for our Real Estate Agent Insurance program is $2,000, subject to underwriting and risk details.
In which states is this program available?Our program is available in most U.S. states, including CA, TX, FL, NY, IL, and many others. Contact us for specific state eligibility or restrictions.
Need help placing an account? Connect with a market specialist.