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Caitlin Morgan Insurance Services offers a comprehensive Miscellaneous E&O (Errors and Omissions) Insurance program designed to protect professionals from claims related to negligence, errors, or omissions in the services they provide. As a wholesale broker with access to various markets, Caitlin Morgan delivers tailored professional liability solutions to a broad range of classes that often fall outside traditional E&O programs. Ideal Accounts and Appetite This program is ideal for a wide array of professionals offering specialized or advisory services. Desired classes include: Insurance agents and brokers Real estate agents and brokers Consultants (various types) Executive recruiting firms Employment agencies Claims adjusters, billing services, and data processing centers Title agents, publishers, and PR firms Tour operators and event planners Excluded risks include medical, legal, and pollution exposures, as well as life and health agents and fiduciary risks. Coverage Highlights and Advantages Primary and excess limits available Limits ranging from $100,000 up to $5 million Deductibles as low as $2,500 Minimum premiums starting at $2,500 Coverage is designed to protect against claims resulting from professional services rendered, such as administrative errors, miscommunication, missed deadlines, or failure to deliver contracted services. Whether your client is a solo consultant or a mid-sized agency, Caitlin Morgan can help you secure the right liability protection. Underwriting Notes and Minimum Premiums With underwriting flexibility and an understanding of niche professional exposures, Caitlin Morgan evaluates each submission with attention to detail. Minimum premiums start at $2,500, making this program accessible for small to mid-sized firms. Deductibles begin at $2,500, with options to adjust based on risk profile and limits selected. Territories and Availability This Miscellaneous E&O Insurance program is available in all 50 states and Washington, D.C. Caitlin Morgan places business on both an admitted and non-admitted basis, depending on the risk and market availability in your client’s state. Why Work With Caitlin Morgan Insurance Services? As a trusted wholesale broker, Caitlin Morgan brings market access and underwriting insight to help insurance agents and brokers place complex professional liability risks. Their team understands the nuances of miscellaneous E&O coverage and has experience working with a wide range of professional services firms. Whether you're placing a startup consulting firm or a seasoned title agency, Caitlin Morgan can help you find the right solution quickly and efficiently. You might have a client who has launched a new employment agency or a small data processing center that needs tailored E&O coverage to satisfy vendor contracts. Caitlin Morgan can help you place these accounts with confidence. Frequently Asked Questions What types of accounts are a good fit for this Miscellaneous E&O program?Professional service firms such as consultants, insurance agents, real estate brokers, title agents, claims adjusters, and event planners are ideal candidates for this program. Are there any excluded classes under this program?Yes, Caitlin Morgan excludes risks involving medical, legal, and pollution exposures, as well as life and health agents and fiduciary-related services. What are the available coverage limits and deductibles?Coverage limits range from $100,000 to $5 million, with deductibles starting as low as $2,500. Is this program available nationwide?Yes, this program is available in all 50 states and Washington, D.C., with both admitted and non-admitted options depending on the state and risk profile. What is the minimum premium for this program?The minimum premium starts at $2,500, making it suitable for small to mid-sized professional service firms. Need help placing an account? Connect with a market specialist.

Accidents and injuries remain a reality in manufacturing, even with modern safety protocols and equipment. Don R. Jensen & Company gives agents and brokers access to competitive manufacturing workers’ compensation solutions designed to help protect your clients from those occupational risks. As a wholesale broker, Don R. Jensen & Company places manufacturing workers’ compensation with multiple markets. Our program generally starts at a minimum premium of $2,000 and can accommodate a range of manufacturing operations — from small machine shops to larger furniture producers. We work with underwriting partners to help you find practical solutions for standard and harder-to-place accounts. Target Classes We Consider We have appetite for a broad set of manufacturing operations. Examples of class codes we commonly consider include: Machine Shops Millwright Plastics Manufacturing Furniture or Wood Products Manufacturing Concrete/Cement Manufacturing Tool Manufacturing Engine Manufacturing Cloth/Canvas Manufacturing You might have a client running a regional plastics molding shop with 25 employees, or a custom furniture builder expanding into larger contracts — these are the kinds of risks we can help you place. Submission Requirements Completed ACORD application Three years of currently valued loss runs Experience Modification worksheet Please email all submissions to [email protected]. Territories and Program Availability We can write manufacturing workers’ compensation in most states, including CA, TX, FL, NY, IL, and PA. Our admitted status is All Available States, enabling you to service regional and multi-state operations where markets permit. Why Partner With Don R. Jensen & Company? Don R. Jensen & Company brings decades of experience in workers’ compensation placement, with specific insight into manufacturing exposures. As a wholesale broker we provide access to multiple carriers, help navigate underwriting nuances, and work to find competitive pricing and terms for both standard and more challenging risks. Learn more about our capabilities at www.drjco.com or on our company profile on CompleteMarkets. Frequently Asked Questions What types of accounts are a good fit for this program? This program fits small to mid-sized manufacturers such as machine shops, wood product manufacturers, plastics fabricators and similar operations that have manageable loss histories and standard manufacturing exposures. Is there a minimum premium requirement? Yes. The program’s minimum premium starts at $2,000. Do you require prior coverage or loss history? We generally request three years of currently valued loss runs and an Experience Mod worksheet. Accounts are reviewed individually; manageable loss histories are preferred but not always disqualifying. What states is this program available in? The program is available in most states, including CA, TX, FL, NY, IL, and PA. We can write in all available states where our admitted status applies. Who should I contact to submit an application? Send submissions and required documents to [email protected] for review by our underwriting team.