Search CompleteMarkets

...tions for Lender Placed Insurance Products program tailored to meet the needs ... or better, to support the insurance products offered. Need help placing an ...

At Next Wave Marketing Strategies, Inc we have been matching up legitimate financial service providers with qualified, motivated prospects seeking financial help for 12 years. We are proud to be able to offer P&C insurance agents 24/7 access to the largest, highest quality database of long form Internet auto insurance quote requests anywhere. It just takes a minute to set up an account free to our unique aged auto insurance leads store and then you can browse our aged auto insurance leads database by your filters, get counts and order any aged auto insurance leads you want online, and then retrieve them instantly in the orders area of AgedLeadStore.com. Auto insurance agents can filter leads by lead age range, consumer age range, or zip code, area code, city, county, state all at no extra cost to make sure they get hot prospects matching their ideal customer profile. Aged leads allow you to take advantage of your competition's bad sales discipline. Less than 5% of real time leads are going to close the 1st day so why pay such a premium for speed when you can get aged leads so much cheaper and get you a shot at the over 50% of prospects that are going to buy at some point in coming weeks or months. Aged leads have proven again and again over the years to be not just a sustainable prospecting strategy but also a tremendous income opportunity for P&C agents looking to gain the competitive edge they need to be top producers. We offer agents nationwide the consistent, affordable, and massive lead volume they need to win the numbers game. http://www.nextwavemarketingstrategies.com/how-we-compare We not only offer you the auto insurance leads you need weekly but we also provide you with an agent learning center designed so your insurance prospecting efforts will be as profitable as possible. We also have a popular weekly sales tips newsletter that we recommend you sign up to receive each Monday. Contact Troy Wilson anytime at 888-441-5832 or [email protected] and he will share with you the methods that so many top producers are using to grow their P&C agencies on a shoestring budget.

Your client just called to say he was served with a summons: his most important customer is suing after an employee of the insured transmitted a virus by email. Because the customer operates a paperless environment, the virus shut down their operations. The customer then inadvertently transmitted the virus to one of their clients and that company’s operations were also disrupted. Your client wants to know whether his package policy will respond. Welcome to the technology and information errors & omissions (E&O) world. A growing number of businesses depend on digital information and technology platforms to operate. Those businesses—especially those that store, process, or transmit other people’s data—carry exposures that traditional general liability or property forms were not designed to cover. Common technology and information exposures include: Failure to perform professional services (technology E&O) Unauthorized access to information by hackers or disgruntled former employees Misuse or unauthorized disclosure of client information by staff Business interruption from third-party system failures Transmission of malicious code (viruses, worms, logic bombs) Website-related intellectual property claims (copyright/trademark) Standard CGL policies typically require physical damage to tangible property to trigger coverage—digital data and software rarely qualify. That gap is why many technology firms, IT service providers, and data hosts need specialized technology/cyber and E&O insurance. Bailey Special Risks, Inc. (BSR) places Technology Insurance designed for firms that develop, deploy, or rely heavily on technology. As a wholesale broker with deep market access, BSR works with surplus lines carriers and specialty markets to tailor solutions for software vendors, consultants, managed service providers, hosting companies, and other technology-dependent businesses. Ideal Accounts and Appetite BSR’s Technology Insurance program targets businesses that provide technology services or depend on digital infrastructure for client operations. Typical classes we place include: IT consultants and software developers Web hosting, cloud and platform providers Managed service providers (MSPs) and IT outsourcing firms Technology staffing firms and VARs Data storage, colocation, and processing providers If your insured handles sensitive client data, provides technical advice, or runs platforms that others rely on for uptime and security, this program may be a strong fit. Coverage Highlights and Advantages BSR’s Technology Insurance solutions are intended to fill the gaps left by traditional policies. Coverages commonly available through the program include: Professional liability / errors & omissions for technology services Privacy breach response and third-party liability for data loss Network security and cyberattack liability Business interruption and contingent business interruption for affected third parties Media liability and intellectual property infringement Liability for transmission of malicious code These coverages can respond to damages, defense costs, regulatory response, and incident response expenses depending on the form and limits selected. Underwriting Notes and Minimum Premiums Most placements under this program are written on a non-admitted basis through surplus lines markets. Underwriting focuses on the insured’s services, exposures, security controls, and claims history. Typical submission requirements include a completed application, detailed description of services, cyber security controls (firewalls, MFA, backups, patching), and loss history. Minimum premiums vary by carrier and class; BSR can help identify the appropriate market and provide realistic minimums once you submit account details. Territories and Availability This program is available to licensed agents and brokers in the following states: AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, MD, MA, MI, MS, MO, NV, NJ, NY, NC, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, WA, WV, WI, and WY. Why Work With Bailey Special Risks, Inc. BSR is a wholesale broker focused on placing complex and emerging risks. Their strengths for technology accounts include: Access to multiple surplus lines markets that underwrite cyber and technology E&O risks Experienced technology underwriting resources who understand service models and tech stacks A consultative placement process that matches each account to carriers with the right appetite Support for tailoring limits, retentions, and extensions to the insured’s exposures Example scenarios that often fit this program: You have an MSP with recurring revenue that manages client networks and needs cyber liability plus E&O for service failures. You represent a SaaS vendor that stores customer records and wants broader third-party liability and business interruption protection in case of a breach or harmful code transmission. Frequently Asked Questions What types of accounts are a good fit for this Technology Insurance program?Ideal accounts include IT consultants, software developers, managed service providers, data centers, and any business offering technology-based services or handling sensitive data. Is this coverage available on an admitted basis?No. Most coverage is placed on a non-admitted basis through surplus lines carriers familiar with technology and cyber risks. Can this program cover third-party liability from data breaches or cyber events?Yes. The program can include third-party liability for privacy breaches, network security failures, transmission of malicious code, and related third-party business interruption depending on the carrier form. What states is this program available in?BSR offers this program in 42 states, including CA, FL, NY, and TX, plus many others across the country. See the Territories section above for the full list. What information is needed to get a quote?Typical submissions include a completed application, loss history, descriptions of services and client types, and documentation of security controls and incident response procedures. Need help placing an account? Connect with a market specialist.

...ls around user content, and clear product roadmaps. Accounts with active or hi... I include with a submission?Include product description and features, user ba...

...roups: Current ProgramConnect Products: Insurance agents and brokers, real...ecorders/stenographers, information retrieval services, interior designers/dec...

...heir web resources for additional product detail: [email protected] and www...

We Specialize in Specialized Risk!! Tough Case? You’ve Come to the Right Place. The list below represent only a small portion of the specialized risk questionnaires we make available to our agents. These forms can also be retrieved online by logging in to our website and visiting the Underwriting section of our website at www.dworkin.com. Print and complete a General Purpose Impaired Risk Questionnaire (or any of the specific questionnaires available) then fax your request to (603) 332-0955 or email to [email protected] for a quick assessment. Most Common Specialized Risk Questionnaires Alcohol Questionnaire Depression Questionnaire Diabetes Questionnaire General Purpose IR Questionnaire Tobacco Questionnaire Adjustment (Situation Depression) Questionnaire Armed Forces Questionnaire Aviation Questionnaire Avocation Questionnaire Build Questionnaire Foreign Residence / Travel Questionnaire Mental Disorders Questionnaire Drug Use Questionnaire Driving Violations Questionnaire Impaired Risk Underwriter - Specialized Risk often refers to an Impaired Risk case where your client has a health issue (Heart attack, cancer, build, etc.) or hazardous occupation or hobbies (Race car driver, pilot, SCUBA diver, etc.) and will not qualify for standard and above class ratings. We place some of the most difficult cases and insure Impaired Risk clients get the much needed coverage. We have access to expert impaired risk underwriters to get you the best offer! We have intimate knowledge of how each carrier treats impaired risk cases. We look for the best option for your clients who have any impairment. Our expertise is our ability to analyze your most challenging risks and negotiate as aggressively as possible for your benefit. If you’re tired of letting your clients know they are declined or can’t get your client an affordable rate, contact DAI, we are here to help you.

Cyber Liability and Data Security Risk Management Insurance from Cochrane & Company helps agents and brokers place comprehensive cyber protection for small- to mid-sized commercial clients. As online transactions, remote work, and digital recordkeeping grow, so do the frequency and cost of cyber incidents. This program combines first-party and third-party coverages—breach notification, credit monitoring, regulatory defense, cyber extortion response, and more—to address the practical financial and reputational exposures your insureds face. Ideal Accounts and Appetite The program targets organizations that collect, store, or process sensitive customer, patient, or employee information and rely on computer networks or cloud services. Cochrane & Company specifically looks for accounts where a data breach or ransomware event would create significant business interruption, regulatory scrutiny, or third-party liability. Target classes include: Healthcare providers and clinics Law firms Higher education institutions Retailers and wholesalers Hospitality and service businesses Artisan contractors and engineers Public and private enterprises Not-for-profits If your client stores personally identifiable information (PII), processes credit card payments, or operates an e-commerce platform, this program is worth considering. Coverage Highlights and Advantages Cochrane & Company’s Cyber Liability and Data Security Risk Management Insurance offers flexible, focused coverage to help manage common cyber exposures. Key features include: Data breach and security breach liability – Third-party defense and liability for unauthorized access to or loss of private data. First-party breach response – Costs for breach notification, credit monitoring, public relations, and breach coaching. Regulatory defense and fines – Legal defense and, where insurable, penalties arising from data privacy investigations and industry compliance failures (for example, PCI-related matters). Website and media liability – Coverage for online content exposures such as defamation or copyright infringement. Cyber extortion and business interruption – Response and mitigation for ransomware and related incidents, including limited business interruption coverage where available. Identity theft resolution – Access to fraud resolution services for affected individuals. The program is designed to protect both the balance sheet and reputation of insureds after a cyber incident. Underwriting Notes and Minimum Premiums Minimum premiums vary by class, revenue, limits requested, and the insured’s security posture. Cochrane & Company works with multiple carriers to match risk profiles to appropriate terms and strives for responsive underwriting decisions on accounts that fit appetite. Strong submissions typically include: a completed cyber application; a summary of data types collected and where data is stored (on-premises vs. cloud); details on IT/security controls (firewalls, MFA, backups, encryption, vendor security); any previous cyber incidents and response steps taken. For accounts with weaker controls, underwriters will evaluate risk mitigation options and may offer terms or recommendations to improve insurability. Territories and Availability This program is available in AK, AZ, CA, ID, MT, NV, NM, ND, OR, UT, WA, and WY. Agents placing business in these states can access Cochrane & Company’s cyber solutions for a wide range of small and mid-market clients. Why Work With Cochrane & Company As a Managing General Agency with deep wholesale market relationships, Cochrane & Company provides underwriting expertise and market access for specialty cyber placements. The team emphasizes practical, real-world coverage options and works with agents to tailor limits and endorsements to an insured’s exposures. Example scenarios where this program fits well: You have a small medical clinic using an electronic health record (EHR) system with limited in-house IT support—this program can provide breach response and regulatory defense tailored to healthcare exposures. You represent a regional retailer that processes card payments and runs an e-commerce site—coverage can include PCI-related defense, breach notification, and incident response costs. If you need placement support, Cochrane & Company offers underwriting consultation and can help identify carriers and terms that match the account’s risk profile. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for small to mid-sized businesses that handle sensitive personal or financial data, including healthcare providers, law firms, retailers, and educational institutions. Is this program available in all states?No. Currently the program is available in AK, AZ, CA, ID, MT, NV, NM, ND, OR, UT, WA, and WY. What coverages are included in the cyber liability program?Key coverages include data breach liability, regulatory defense, cyber extortion expense, identity theft services, and website/media liability. What is the minimum premium for this program?Minimum premiums vary by account based on industry, revenue, limits, and controls. Contact underwriting for a tailored quote. What information is required to submit a risk?Submissions should include a completed cyber application, a description of data usage and storage, and documentation of IT or cybersecurity controls in place. Need help placing an account? Connect with a market specialist.