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Errors & Omissions Insurance for Actuaries and Actuarial Consultants Capitol Special Risks (CSRisks) offers an Errors & Omissions (E&O) program tailored for actuaries and actuarial consultants who provide professional advice and technical services for a fee. As a wholesale broker with access to multiple Excess & Surplus (E&S) carriers, CSRisks specializes in placing hard-to-place professional liability risks where admitted markets are limited or unavailable. Ideal Accounts and Target Classes This product is a strong fit for: Independent actuaries serving insurance companies, pension plans, or corporate clients Actuarial consultants performing long-term financial modeling, pension liability projections, or asset/liability studies Small to mid-sized actuarial firms that need flexible E&O solutions outside the admitted market Examples you might encounter: a consultant producing multi-year pension valuation reports for a private company, or an actuary providing reserve analyses to a regional carrier. Those accounts—especially when they carry professional exposure but limited admitted-market options—are where this E&O program is designed to help. Coverage Highlights and Advantages Claims-made policy form geared to professional liability exposures Limits available from $100,000 up to $10,000,000 per carrier Defense costs are included within the policy limits Flat annual premiums to simplify budgeting Minimum premium starting at $3,000 (final pricing varies by risk) This program is placed exclusively in the non-admitted (E&S) market, which often allows broader terms and flexible underwriting for niche actuarial exposures. Underwriting Considerations CSRisks evaluates submissions based on the consultant’s experience, types of services provided, revenue size, and loss history. Underwriters prefer clear engagement letters, scope-of-work definitions, and documented quality-control procedures. Fast turnaround and transparent communication are part of their service offering, and CSRisks does not charge a broker fee. States Where Coverage Is Available This E&O program is available nationwide, including all 50 states and the District of Columbia. Because it is a non-admitted placement, agents should confirm any state-specific filing or surplus lines requirements before binding coverage. Why Work With Capitol Special Risks? Capitol Special Risks brings decades of professional-liability experience and established relationships with multiple E&S carriers. That market access helps when standard admitted carriers are unable or unwilling to quote. CSRisks focuses on practical placement solutions for retail agents and brokers—combining technical underwriting, competitive options, and responsive service to meet client timelines. Call today for information on Actuaries/Actuarial Consultants Insurance — fast turnaround and no 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 E&O program?Actuarial consultants and independent actuaries who provide financial modeling, pension consulting, reserve analyses, or other insurance-related actuarial services are prime candidates. Is this coverage available in all states?Yes. The program is available nationwide, including all 50 states and the District of Columbia. Agents should follow surplus lines procedures where required. What are the coverage limits offered?Limits generally range from $100,000 up to $10,000,000 per carrier, subject to underwriting and carrier appetite for the specific risk. Are defense costs included within the policy limits?Yes. Defense expenses are included within the policy limits as is common in E&S professional liability placements. What is the minimum premium for this program?The program’s minimum premium starts at $3,000. Final pricing depends on the scope of services, revenues, and the insured’s loss history. Need help placing an account? Connect with a market specialist.

Long Term Care Insurance Funding Opportunities Under the Pension Protection Act of 2006 The Pension Protecton Act of 2006 contained provisions that became effective on January 1, 2010 that offers significant tax benefits when funding for Long Term Care meeds. In summary, the provisions included the following: Long Term Care insurance offered as a rider on a linked benefit annuity contract can be tax-qualified. Internal charges to pay the qualified long term care insurance rider added to a life insurance policy or annuity contract are not treated as taxable distributions. Life insurance policies and non-qualified annuities can be exchanged tax free (under Section 1035) to pay premiums for traditional long term care insurance policies

Fiduciary Liability Insurance pays, on behalf of the insured, the legal liability arising from claims for alleged failure to prudently act within the meaning of the Pension Reform Act of 1974. Fiduciary Insurance Program From OnPoint Underwriting OnPoint Underwriting offers a comprehensive Fiduciary Insurance program designed to protect plan sponsors, fiduciaries, and administrators from liability exposures related to the management of employee benefit plans. Whether your client manages a retirement plan, health benefit plan, or other ERISA-regulated benefits, this program helps safeguard them against claims of mismanagement, errors in plan administration, and other fiduciary breaches. Backed by multiple carriers and available across all U.S. states, including DC, the program is accessible in both admitted and non-admitted markets, providing flexibility for a range of client needs and risk profiles. Ideal Accounts and Appetite This program is a strong fit for agents and brokers working with clients who administer or sponsor employee benefit plans of any size. Ideal accounts include: Small to midsize businesses offering 401(k), pension, or health plans Nonprofits and educational institutions managing employee benefit programs Municipalities and government entities with employee plan responsibilities You might have a client that recently expanded their employee benefits offering and needs protection against administrative errors. Or perhaps you're working with a nonprofit that wants to reduce its exposure to fiduciary duty claims under ERISA. This program is built to address both scenarios. Coverage Highlights and Advantages Fiduciary Insurance Program Highlights: Defense costs outside the limit Voluntary compliance loss and delinquent filer penalties coverages HIPAA Coverage Enhanced definition of Claim Sublimit of $100,000 for Voluntary Compliance Loss and Delinquent Filer Penalties coverage Civil money penalties imposed for violations of the Pension Protection Act Sublimit of $25,000 for civil money penalties imposed for violations of the Pension Protection Act Sublimit of $25,000 for civil money penalties imposed for violations of Section 502© of ERISA Comprehensive all-encompassing Omnibus plans coverage for all employee benefit plans with no listing requirement Underwriting Notes and Minimum Premiums There is no stated minimum premium, making this program accessible to a wide range of client sizes and risk levels. OnPoint Underwriting works with various carriers, allowing them to tailor coverage solutions and pricing to the unique exposures of each account. Submissions are reviewed with a focus on plan types, claims history, and the internal controls the insured has in place. The enhanced definitions and sublimits make this an attractive option for clients with complex benefit structures or prior compliance concerns. Territories and Availability The Fiduciary Insurance program is available nationwide, including all 50 states and Washington, D.C. With access to admitted and non-admitted markets, agents can place business in both standard and unique risk environments. Why Work With OnPoint Underwriting As a specialized Program Administrator, OnPoint Underwriting brings deep expertise in niche liability risks such as fiduciary exposures. Their underwriting team is responsive and knowledgeable, helping agents navigate complex coverage requirements and secure the right protection for their clients. With broad carrier access and a flexible underwriting approach, OnPoint makes it easier for you to deliver competitive, customized fiduciary liability solutions. For additional information on the Fiduciary Insurance program, please contact Leaticia Roberts @ (404) 460-1372 or [email protected] and please visit our website at www.onpointunderwriting.com. Frequently Asked Questions What types of accounts are a good fit for this Fiduciary Insurance program?Small to midsize businesses, nonprofits, schools, and municipalities that sponsor or administer employee benefit plans are ideal candidates for this program. Is there a minimum premium requirement?No, there is no stated minimum premium, allowing flexibility for various account sizes. In which states is this program available?This program is available in all 50 states and Washington, D.C. What are some key coverages included in the program?Highlights include defense costs outside the limit, HIPAA coverage, voluntary compliance loss, delinquent filer penalties, and civil money penalties under ERISA. What makes OnPoint Underwriting a strong partner for fiduciary coverage?OnPoint offers niche expertise, flexible underwriting, and access to various carriers, making it easier for agents to place fiduciary liability risks efficiently. Need help placing an account? Connect with a market specialist.

...gulated plans such as 401(k)s or pensions. Can this program handle hard-to-pla...

Here at The Jordan Insurance Group, we specialize in Employee Benefits Insurance in Columbia, Maryland. We work with companies to provide a cost effective programs specially designed for you and your business. Our commitment to our business owners is based on years of experience, a deep understanding of what you need, who you are and successful partnerships. Below you will find some of the ways we can serve you and add value to your business. Your trusted insurance agency in Columbia, Maryland. Our services address the full spectrum of employee benefits we have to offer. Products: Group Life Life insurance that is provided through employers to protect their employees. Group Disability Disability benefits are offered by many employers to protect their employees. Group Dental Dental insurance is a popular voluntary benefit of employers. Group Vision Voluntary vision coverage is typically a popular product. Health Insurance - Fully Insured and Alternative Funding Plans Companies must deal with how best to handle health insurance costs, there’s a decision that needs to be made early in the process. If a company chooses to be fully insured, or should it opt to be self-insured? Choosing the right kind of health plan is a very important part of the success and growth of a company. There are many misconceptions about which plans are right for which kinds of companies and you have to look at all the evidence before you decide. We can help you with that decision. Flexible Spending Accounts These are special accounts you put money into that are used to pay for certain out-of-pocket health care costs. This money is non-taxable. Which means you'll save an amount equal to the taxes you would have paid on the money you set aside. Voluntary Benefit Programs Accident insurance is among the most prevalent voluntary benefit offerings provided by employers. Qualified Retirement Plans A qualified retirement plan is a plan that is described in Section 401(a) of the Tax Code. The most common types of qualified plans are profit sharing plans (including 401(k) plans), defined benefit plans, and money purchase pension plans. We know what it takes to put together a cost-efficient insurance program that offers you the best policy for your insurance dollar! Contact The Jordan Insurance Group today and speak to one of our experts that can provide outstanding advice on the coverage you need, service and long-term competitive premiums!

...ed Retirement Plans (401k, 403b, Pensions, Profit Sharing) Vision Dent...

Continental Risk / Continental Marine Insurance Services offers comprehensive Directors and Officers (D&O) insurance solutions tailored for both non-profit and for-profit organizations. This program is designed to help insurance agents and brokers place coverage that protects key decision-makers and entities from a wide array of management liability exposures. The D&O program covers directors, officers, trustees, employees, volunteers, and the organization itself. It goes beyond traditional liability coverage to address complex and emerging risks, including allegations of fraud, misrepresentation, unfair competition, employment practices violations, and mismanagement of employee or pension benefit plans. Ideal Accounts and Appetite Private Companies: Closely held businesses across most industries. Not-for-Profit Organizations: Including charities, associations, and foundations. Public Entities: Select publicly traded companies (contact for underwriting review). Excess Coverage: Available for companies seeking additional layers of protection. Coverage Highlights and Advantages Directors & Officers Liability: Protects insureds from claims related to management decisions and negligence in their executive roles. Fiduciary Liability: Covers fiduciary duties related to employee benefit plans; available on a primary or excess basis. Employment Practices Liability: Addresses claims such as wrongful termination, discrimination, and sexual harassment. Tenant Discrimination Coverage: Helps property owners and managers defend against discrimination claims brought by prospective, current, or former tenants. Underwriting Notes and Minimum Premiums Primary and excess options are available with flexible structuring. Separate limit towers and retentions can be applied for each coverage part. Coverage is non-cancellable except for non-payment of premium. Capacity limits up to $10 million are available. Primary coverage suitable for entities with revenues up to $750 million. Excess coverage available with no revenue threshold. All classes considered except financial institutions. Minimum premiums vary depending on risk characteristics. Territories and Availability Available in all 50 states and Washington, DC. Some markets are admitted, while others are non-admitted, depending on jurisdiction and risk profile. Why Work With Continental Risk Continental Risk is an experienced Excess & Surplus Lines Broker with access to a broad spectrum of carriers. They offer tailored solutions for complex management liability exposures across various industries. Their underwriting team understands the nuanced needs of both non-profit and corporate clients. Responsive service and flexible program design help agents secure competitive coverage for difficult-to-place risks. Whether you have a non-profit board seeking protection for its volunteers or a mid-sized private company concerned about employment practices claims, Continental Risk provides a robust and flexible D&O insurance solution. Their expansive state availability and ability to write both primary and excess layers make them a valuable partner for agents placing management liability accounts. Frequently Asked Questions What types of accounts are a good fit for this D&O program?This program is ideal for private companies, not-for-profit organizations, and select public companies seeking primary or excess Directors and Officers coverage. Does the program include employment practices liability?Yes, Employment Practices Liability Insurance (EPLI) is available and covers claims such as wrongful termination, discrimination, and harassment. Can I write coverage in any state?Yes, this program is available in all 50 states and Washington, DC. Admitted status may vary by market and state. What is the maximum coverage limit available?Capacity limits are available up to $10 million, depending on the risk and coverage part. Is there a revenue cap for eligible accounts?Primary coverage is available for companies with revenues up to $750 million. There is no revenue limit for excess placements. Need help placing an account? Connect with a market specialist.

AdvisersGold - A dedicated insurance solution for Registered Investment Advisors (RIA) available nationwide (offered through Amwins Program Underwriters). Our target accounts include: Firms with 1-20 RIAs Assets under management up to $750,000,000 Annual gross fees up to $10,000,000 Additional program details: Broad definition of covered activities and who is protected under the policy Competitive pricing as compared to generalist professional liability insurers Coverage for acts as a fiduciary for employee benefit plans Premium discounts for professional designations and risk management practices Coverage by endorsement for life insurance agents or trustees Coverage for personal liability under Pension Protection Act of 2006 Click here to learn more about our program! Overview of the Program from Amwins Underwriting Amwins Underwriting offers the AdvisersGold Registered Investment Advisors Insurance Program — a professional liability solution tailored for RIAs and small- to mid-sized advisory firms. The program is designed to provide focused professional liability and fiduciary coverage for firms that provide investment advice, manage client portfolios, or serve as plan fiduciaries. Amwins positions this product to compete with broad-market professional liability carriers by offering coverage and terms specifically built for RIA exposures. Ideal Accounts and Appetite Small advisory firms with 1–20 registered investment advisors. Firms with assets under management (AUM) up to $750 million and annual gross fees up to $10 million. Advisors acting as fiduciaries for employee benefit plans or providing insurance/financial product recommendations (with available endorsements). Accounts outside these parameters — for example, very large RIAs, hedge funds, or firms primarily engaged in high-risk trading strategies — typically fall outside the program’s target appetite and may need referral to other markets. Coverage Highlights and Advantages Policy language that broadly defines covered professional activities and insureds. Fiduciary liability coverage for employee benefit plan services. Endorsement options to extend coverage for life insurance agents or trustees where needed. Premium credits for recognized professional designations and for documented risk management practices. Competitive pricing versus generalist professional liability insurers due to the program’s niche focus. Underwriting Notes and Minimum Premiums Underwriting favors firms that match the target account profile above and that can demonstrate appropriate policies and procedures (client agreements, supervisory structure, disclosure practices, and documented risk management). Common submission documents include current applications, a description of services, prior loss runs, and information on professional designations or formal compliance programs. Minimum premiums and final terms vary by exposure and state. For specific minimums and filing details, submit the risk or contact Amwins Underwriting for state-by-state guidance. Territories and Admitted Status This program is available in: 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. The AdvisersGold program is offered through Amwins Program Underwriters on a non-admitted/surplus lines basis (Amwins does not write admitted paper for this program in any state). Why Place This Business with Amwins Underwriting Niche RIA expertise — underwriting and policy forms developed for advisory exposures rather than generic professional liability forms. Flexible endorsements and discounts that reflect advisor designations and active risk management. Program-level capacity and responsiveness for small to mid-size advisory firms. Streamlined submissions and the ability to place nationwide through Amwins’ surplus lines capability. Example Accounts That Fit You have a regional RIA with seven advisors, $120 million AUM, a formal compliance manual, and no prior claims — this client matches the AdvisersGold target and could receive competitive terms and discounts for professional designations. You represent a small firm acting as a fiduciary for several employee benefit plans and selling life products through a separate producer — the program’s fiduciary coverage plus available endorsements for life/trust activities can fill gaps that generalist PL policies may not address. Frequently Asked Questions What types of RIA accounts are a good fit for AdvisersGold?Firms with 1–20 advisors, AUM up to $750M, and annual gross fees up to $10M. Firms offering portfolio management, financial planning, or fiduciary services for employee benefit plans are especially well-suited. Is this program admitted in any states?No. AdvisersGold is offered through Amwins Program Underwriters on a non-admitted/surplus lines basis; Amwins does not write admitted paper for this program in any state. What submission materials does Amwins typically require?Standard submissions include a current application, prior loss runs, description of services, client agreement samples, and documentation of compliance or risk management practices. Professional designations and written policies can support premium credits. Can I add coverage for life insurance or trustee activities?Yes. The program offers endorsements to extend coverage for life insurance agents or trustees when those activities are part of the advisory relationship. How quickly will Amwins respond to submissions?Response times vary by complexity, but Amwins’ program underwriters are oriented to serve the RIA niche and typically provide timely underwriting decisions for risks that fit the stated appetite. Need help placing an account? Connect with a market specialist.

America's Internet Brokers, Inc. offers a specialized insurance program tailored for Labor Organizations, including local, regional, and national unions. This program addresses the distinct risk management needs of labor unions and their affiliated operations—such as training schools, benefit funds, and union-owned real estate—by combining deep underwriting expertise with broad carrier access. Overview of the Program From America's Internet Brokers, Inc. Through strong relationships with top-rated carriers — including AIG, CNA, The Hartford, The Seneca Companies, Travelers, and Zurich — America's Internet Brokers, Inc. delivers flexible commercial insurance solutions for labor organizations. The program is placed on a non-admitted basis to allow tailored underwriting for accounts that need specialized or broader terms than standard admitted markets provide. Ideal Accounts and Appetite This program is purpose-built for: Labor unions and trade organizations Union-affiliated training schools and educational facilities Benefit funds, including pension and health & welfare funds Union-owned or managed commercial real estate Typical fits include multi-location unions, training centers with residential dormitories, and regional unions that manage office buildings or parking facilities. The program favors accounts with established governance, documented safety programs, and demonstrably maintained facilities. Coverage Highlights and Advantages Available coverages include: Commercial Multiperil packages Umbrella Liability up to $5 million Commercial Auto coverage Monoline Property or General Liability options Property capacity can reach up to $50 million, enabling placement of larger real estate and facility risks. The program supports both packaged and standalone placements, giving you flexibility to structure limits and coverage forms to match client exposures. Underwriting Notes and Minimum Premiums Submissions should include complete underwriting information to ensure a timely review. While specific minimum premiums are not published here, underwriters evaluate accounts based on risk quality, size, operational controls, and loss history. The program is generally positioned for organizations with stable operations, clear management practices, and maintained physical assets. Territories and Availability This Labor Organizations program is available in the following states: AZ, CA, CO, CT, FL, GA, ID, IL, IN, IA, KS, KY, LA, MD, MA, MI, MN, MS, NE, NJ, NY, NC, ND, OK, OR, PA, SC, TN, TX, UT, VT, VA, WA, WV. Why Work With America's Internet Brokers, Inc.? America's Internet Brokers, Inc. brings decades of experience placing niche commercial risks and understands the operational and regulatory complexities unique to labor organizations. Their carrier relationships and hands-on underwriting allow agents to present complex accounts with confidence. If you need placement assistance or a market opinion, their underwriting team is set up to work with brokers to develop tailored solutions. You might have a client who operates a regional union training center with attached dormitory housing, or a labor organization that owns multiple office buildings—this program is designed to handle those combined property, casualty, and auto exposures. Need help placing an account? Connect with a market specialist. Frequently Asked Questions What types of accounts are a good fit for this Labor Organizations program? Ideal accounts include labor unions, union-affiliated training centers, benefit funds, and real estate owned or managed by labor organizations. The program is best for organizations with documented management practices and maintained facilities. Is this program written on an admitted basis? No. This program is placed on a non-admitted basis, which provides underwriting flexibility for more complex or specialized exposures. What coverage limits are available? The program offers property capacity up to $50 million and umbrella limits up to $5 million, with options for Commercial Auto, Property, and General Liability, either packaged or monoline. Which states is this program available in? The program is available in over 30 states, including CA, NY, TX, FL, and IL. See the full list above for all territories served. Which carriers support this program? Carriers supporting the program include AIG, CNA, The Hartford, The Seneca Companies, Travelers, and Zurich.