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Law firms are experts at managing legal risk — but they can overlook internal exposures. Employment Practices Liability Insurance (EPLI) protects firms from the financial and reputational impact of employment-related claims. Without tailored EPLI, even otherwise well-run practices can face expensive defense costs and settlements for allegations involving employees, partners, or third parties. Employment Practices Liability Insurance for Law Firms Capitol Special Risks offers a law-firm-focused Employment Practices Liability Insurance (EPLI) program designed for the unique people risks in legal practices. As a wholesale broker with deep professional-liability experience, we place coverage through multiple admitted and non-admitted carriers so retail agents can access competitive markets and flexible solutions nationwide. Ideal Accounts and Appetite This program fits a wide range of law firms — from boutique practices to multi-state firms. Typical accounts that place well include firms that: Have multiple attorneys and support staff Operate a formal partner-track or promotion process Employ client-facing personnel with exposure to third-party harassment claims Have workers in multiple states or jurisdictions You might have a client who is a mid-sized litigation firm expanding into new offices and wants protection for partner disputes and wage & hour exposures. Or an employment law boutique with several associate-track attorneys seeking a policy that includes robust third-party harassment coverage. Coverage Highlights and Advantages Wage & hour defense sublimit Fair Labor Standards Act (FLSA) defense sublimit Third-party harassment and discrimination coverage Defense costs outside the limit (subject to carrier terms) Claims coverage for failure to promote or disputes over partner decisions Risk management services may be available depending on the carrier. Underwriting Notes and Minimum Premiums Minimum premiums vary by carrier and the firm’s risk profile. Capitol Special Risks provides fast turnaround and streamlined submissions to help you move business quickly. We do not charge a broker fee, so your clients see more of the premium applied to coverage. Territories and Availability This program is available in all 50 states, includ...n quote single-state and multi-state operations through both admitted and non-admitted markets to match your client’s needs and regulatory considerations. Why Work With Capitol Special Risks? As a wholesale broker focused on professional liability, Capitol Special Risks combines market access with underwriting expertise for law-firm EPLI placements. Our advantages for agents include: Multiple carrier relationships for flexible placement options Programs tailored specifically to professional services and law firms Responsive service and quick quotes to help you compete No broker fees If you have a legal client growing staff, opening new offices, or undergoing internal restructuring, now is the time to review their EPLI program. Contact Capitol Special Risks to discuss appetite, submission requirements, and carrier options so you can secure the right protection for your client’s people. In CA, Capitol Special Risks, Inc. dba: Capitol Special Risks Insurance Service – CA Fire & Casualty Agency – #0C46094 Frequently Asked Questions What types of law firms are best suited for this EPLI program?This program is ideal for small to mid-sized law firms, especially those with multiple employees, support staff, or a formal partner track structure. Is third-party harassment coverage included?Yes, the program includes coverage for third-party harassment and discrimination claims, which is particularly important for client-facing legal staff. Can this program be written in all 50 states?Yes, it is available in all 50 states through multiple admitted and non-admitted markets. What are the minimum premium requirements?Minimum premiums vary based on the carrier and risk profile, but Capitol Special Risks works to find the best option for each submission. Does Capitol Special Risks charge a broker fee?No, Capitol Special Risks does not charge broker fees, helping you deliver cost-effective solutions to your clients. Need help placing an account? Connect with a market specialist.

Overview of the Program from ExecutivePerils, Inc. ExecutivePerils, Inc. offers a dedicated Legal Malpractice program designed for independent agents and brokers who place professional liability for law firms and individual practitioners. The program provides flexible limits, broad optional coverages, and access to numerous admitted and non-admitted carriers. It’s structured to handle a wide range of firm types—from solo practitioners to multi-attorney firms—while allowing tailored terms for transaction-heavy practices, litigation boutiques, and speci...E, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Why Work with ExecutivePerils, Inc. for Legal Malpractice ExecutivePerils combines access to a broad carrier panel with focused underwriting for law firms. The program’s strengths include higher available limits, flexible prior-acts and retired-attorney wording, and optional EPL and personal injury coverages that let you build consolidated solutions for clients. For agents, that means fewer submissions to multiple markets and faster comparative quotes for common law-firm scenarios. Example Accounts You might have a five-attorney real estate and estate-planning firm seeking $2M/$4M limits, prior-acts coverage, and low deductible options—this program can often offer competitive terms with prior-acts protection. A solo practitioner who recently joined a two-attorney firm and needs automatic coverage for the new hire and protection for prior work could also be placed through this program with endorsements tailored to the change in staffing. Frequently Asked Questions What types of law firms are a good fit for this ExecutivePerils Legal Malpractice program?The program fits solo attorneys, small and mid-size firms, and many specialty practices—especially those needing robust prior-acts protection, retired-attorney coverage, or higher limits up to $50M. Complex national firms with international exposures may need alternate markets. Can new attorneys be added to the policy automatically?Yes. The program includes automatic coverage for attorneys who join the firm during the policy period, which simplifies handling mid-term staffing changes. Is employment practices liability available with this program?Optional EPL coverage is available and can be packaged with legal malpractice to create a more comprehensive liability solution for firms concerned about employment-related claims. How do I find specific minimum premium and availability for a state?Minimum premiums vary by carrier, state, and account characteristics. Submit your client’s application or contact ExecutivePerils’ underwriting team through your usual CompleteMarkets submission flow for state-specific minimums and target terms. Need help placing an account? Connect with a market specialist.

A Hands-On Approach ProSight Specialty Insurance offers an Accountants Professional Liability program designed for agents placing accountants, CPA firms, tax preparers, and related professional practices. Underwriters at ProSight take a hands-on approach—reviewing each submission directly to understand firm structure, service lines, and risk controls. That active underwriting style helps you find solutions for straightforward and more complex accountant exposures while securing access to a competitive primary or excess market. Ideal accounts and appetite Small to mid-sized CPA and accounting firms, including tax preparers, bookkeeping services, and payroll providers. Firms performing attest or compilation services, advisory work, and routine tax compliance—especially with documented peer review and quality control procedures. Acquisitions: automatic coverage for merged or acquired firms where the acquisition represents less than 10% of the firm’s annual revenue (subject to underwriting review). Less suitable: firms with significant investment advisory custody, high-volume fintech integrations without controls, or large national practices without prior placement history—these require pre-submission discussion. Coverage highlights and advantages Broad definition of professional services — flexible wording helps align coverage with modern service lines offered by accounting firms. Mutual choice of counsel — provides greater control and alignment when a claim arises. Cyber risk management add-on — up to $5,000 for data breach assessment services to help manage privacy incidents and client notification costs. Subpoena expense supplementary coverage — helps pay for legal costs associated with responding to subpoenas and regulatory inquiries. Incentive for alternative dispute resolution — 50% deductible reduction if a claim is resolved through arbitration or non-binding mediation. Primary and excess placements — limits available up to $5 million to match growing firm exposures. Underwriting notes ProSight underwriters prefer clear submissions that include firm revenue by service line, partner/owner resumes, client concentration details, loss run history, peer review or quality control policies, and any third-party technology/vendor relationships. Because ProSight reviews each account directly, early phone conversations on borderline or complex accounts can speed placement and reduce revision cycles. Territories and licensing This program is available in the following jurisdictions: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN...lp placing an account? Connect with a market specialist.

The Herbert H. Landy Insurance Agency, Inc. offers a robust Professional Liability Insurance program specifically designed for attorneys and law firms of all sizes. With over 60 years of experience in the professional liability space, Landy works with top-rated insurers to deliver tailored coverage solutions to fit the unique exposures of legal professionals. Whether your client is a solo practitioner, a newly formed firm, or an established multi-attorney practice, Landy has options to meet their needs. Ideal Accounts and Appetite This program is available to attorneys and law firms in all 50 states and Washington, DC. Coverage is available for: New and established law firms Solo practitioners and group practices Attorneys in all areas of practice Newly admitted attorneys Part-time and moonlighting professionals Hard-to-place risks and firms with claims history Additional options such as Business Owners Policies (BOP), Workers Compensation, and Privacy & Cyber Liability coverage are also available to help round out your client’s insurance portfolio. Coverage Highlights and Advantages Landy’s professional liability program includes a wide range of features to protect law firms from costly legal and reputational risks. Key policy options include: Full Prior Acts Coverage Predecessor Firm Coverage First Dollar Defense and Claims Expenses Outside the Limits of Liability Disciplinary Proceedings and Subpoena Coverage Multiple Reporting Period Options, including Free Lifetime Tail for Qualified Insureds Cybercrime, Crime/Fiduciary, and EPLI Coverage Options Security Breach Coverage Broad Definition of Professional Services—includes Title Agent, Notary Public, Pro Bono Work, and more You might have a client who recently started a boutique practice focused on estate planning, or a mid-sized firm transitioning partners—Landy’s flexible underwriting can provide the right protection for both types of accounts. Underwriting Notes and Minimum Premiums Coverage is written through leading insurers and offers a variety of limits and retention options to fit different firm sizes and risk appetites. While minimum premiums vary based on firm profile and state, the focus is on delivering cost-effective options without sacrificing quality coverage. Firms with prior claims or disciplinary actions may still be eligible for coverage. Territories and Availability This program is available on an admitted basis in all U.S. states and the District of Columbia, including but not limited to California, New York, Florida, Texas, and Illinois. Landy has the licensing and carrier relationships needed to place coverage in all jurisdictions. Why Work With The Herbert H. Landy Insurance Agency As a long-standing Managing General Agency (MGA), The Herbert H. Landy Insurance Agency brings decades of underwriting expertise and market access to the table. Their team understands the unique liability concerns of attorneys and provides responsive, knowledgeable support to help agents place and service accounts efficiently. With broad appetite, flexible terms, and a commitment to professionalism, Landy is a trusted partner for agents placing legal malpractice and related coverages. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for solo attorneys, small to mid-sized law firms, newly admitted lawyers, and hard-to-place risks across all areas of practice. Can I place coverage for a firm with prior claims?Yes, firms with past claims or disciplinary actions may still be eligible. Each risk is underwritten individually based on its merits. Is Cyber Liability coverage included or optional?Cyber Liability and Data Breach coverage is available as an optional add-on to help law firms manage digital risk and compliance exposures. Are part-time or moonlighting attorneys eligible?Yes, there are specific plans available for part-time or moonlighting attorneys, including employed lawyer options. What states is this program available in?The program is available in all 50 states and Washington, DC, on an admitted basis through leading carriers. Need help placing an account? Connect with a market specialist. ...

Overview — Amwins Underwriting Lawyers Professional Liability For more than 40 years, Amwins Underwriting (APU) has offered a dedicated Lawyers Professional Liability program for small to mid-sized law firms. This program provides tailored professional liability coverage for firms with 1–34 attorneys located in Maine, New Hampshire and Vermont. Agents can place firms that need flexible limits, broad insured definitions, and enhanced pre- and post-claim services through a program admitted in some states with access to CNA paper. Ideal accounts and appetite Law firms and solo practitioners with 1–34 attorneys based in ME, NH, or VT. Firms that perform general civil litigation, transactional work, corporate and business services, estate planning, real estate, and related services. Attorneys who also act as government affairs advisors or lobbyists — the program explicitly broadens the insured definition to include these roles. Less suitable: very large firms, firms with frequent securities or complex ERISA exposures, or firms with persistent, severe malpractice histories (refer to underwriting). Coverage highlights and advantages This program emphasizes breadth of coverage and agent-friendly features: Flexible limits: Limits of liability from $100,000/$300,000 up to $10,000,000/$10,000,000. Broad insured definition: Includes attorneys performing legal services and government affairs advisors/lobbyists where applicable. Prior acts: Full prior acts coverage available subject to underwriting review. Privacy & network exposure: Privacy injury and client network damage claims are included in the definition of "claims." Supplementary payments & services: Loss of earnings, disciplinary proceeding coverage, regulatory inquiry, crisis event coverage, subpoena assistance and pre-claims assistance. No "hammer" clause: Settlement clause without a punitive “hammer.” Extended reporting period (tail): Optional ERP available; free retirement tail and free death/disability tail are offered. Underwriting notes and submission requirements Underwriting focuses on firm size, practice areas, loss history and risk management practices. Provide complete material to speed placement. Completed new business application Loss runs Firm engagement letter Current letterhead Please send submissions to: marie.gaud[email protected] Program limits and carrier Program limits: Limits of liability range from a minimum of $100,000 per claim / $300,000 aggregate up to $10M / $10M. Carrier: CNA Admitted status: Some available states (see availability). Territory / availability This Lawyers Professional Liability program is available to firms located in Maine, New Hampshire and Vermont. Why place with Amwins Underwriting? Decades of program experience focused on small-to-mid sized law firms in New England. Competitive range of limits and broad features (privacy, disciplinary defense, prior acts) that help agents offer meaningful protection to attorney clients. Underwriting that accommodates lobbyists/government affairs counsel and offers flexible tail options valuable at retirement or disability. Direct submission route to underwriting via the listed Amwins contact to streamline quotes and bindable options. *This is intended as a brief overview of the coverages offered. Please ask for complete copies of policies for a full description of coverage. Frequently Asked Questions What size and types of law firms are a good fit for this program?The program targets firms with 1–34 attorneys located in ME, NH, or VT. It fits general civil litigation, transactional practices, real estate, estate planning and firms that provide government affairs or lobbying services. Are prior acts and extended reporting periods available?Yes. Full prior acts coverage is available subject to underwriting approval. An optional extended reporting period (tail) is offered, and the program includes free retirement and free death/disability tail options under qualifying circumstances. What specialty features should I highlight to a client?Emphasize the broad insured definition (including lobbyists/government affairs advisors), privacy and client network damage coverage, disciplinary proceeding coverage, crisis event assistance, and the absence of a punitive settlement “hammer.” How do I submit a prospect for consideration?Send a completed new business application, current loss runs, the firm’s engagement letter and a copy of current letterhead to the underwriting contact: marie.gaud[email protected]. Complete submissions help speed the quote process. Need help placing an account? Connect with a market specialist. ...

Accounting firm insurance can help protect against the ever increasing liability claims and significant attorney fees that are a result of the broad option of services required by third parties and clients. The associates at CalSurance will provide you with unique solutions for Accounting firms based on our proven experience. Coverage can protect against: • Losses due to negligent acts • Errors and Omissions committed in the scope of your professional services Products that we can place for our Accounting Firm Insurance include: • Limits up to ...imits available if needed) • Coverage for the firm, its advisors and other employees • Comprehensive definition of professional services • products from A rated carriers • Combination policies including professional and fiduciary liability • Options for employment practices liability • Coverage for punitive damages (where allowed by law) • Fidelity bonds • Spousal Coverage For more information on out Accounting Firm Insurance contact us today!

A Niche Insurance Program for Lawyers Specialized in Intellectual Property Available in all U.S. states! Overview of the Program From Amwins Underwriting Amwins Underwriting offers the Firemark Intellectual Property Lawyers Professional program — a niche professional liability solution for attorneys and small law firms that handle patent, trademark, copyright and related IP matters. Firemark is designed to provide broad, practice-tailored coverage and underwriting flexibility for firms with specialized IP exposures. The program is distributed through a select group of retail brokers accustomed to placing professional liability for legal practices. Ideal Accounts and Appetite This program targets small to mid-sized firms and solo practitioners whose practice includes intellectual property work. Typical fits include: Solo attorneys and law firms with 1 to 40 attorneys Firms with at least 1% patent work, or 5% trademark or copyright work Firms where at least one partner (or the solo practitioner) has been admitted for at least two years Not a good fit: large firms outside the 1–40 attorney range, firms where IP work is incidental and below thresholds, or accounts with significant disciplinary history or unmanaged conflicts. Coverage Highlights and Advantages Broad definition of “Professional Services” to reflect modern IP practice and ancillary legal services Deductible waiver and deductible reduction opportunities for qualifying accounts Extended reporting period options for insureds with continuous coverage No-cost extended reporting period (ERP) available to any non-practicing insured attorney (subject to program terms; excludes OCs, ICs, or Per Diems) Underwriting Notes and Submission Guidance Underwriters will evaluate the firm’s IP mix, claims history, partner experience (minimum two years admission for at least one partner), and conflict-control procedures. Include the following with your submission for faster review: Current application and malpractice claims supplement Detailed breakdown of practice areas and percent of IP work (patent vs. trademark vs. copyright) CVs or resumes for partners handling IP matters and information on technical qualifications where patents are involved Loss runs (if any) and description of any prior discipline or regulatory matters If you have unique placement needs, Amwins Underwriting also underwrites for harder-to-place firms via Attorneys' Select and E&O options via the LawGold program — see the links above for more details. Territories and Availability This program is available in the following states and the District of Columbia: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN...E, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY Note: Confirm availability and admitted/non-admitted status for the specific insured and state at the time of submission. Why Work With Amwins Underwriting on IP Lawyers Business Amwins Underwriting (Firemark) brings targeted program expertise for professional liability in the legal sector and underwriting flexibility tailored to intellectual property practices. The program is distributed through a curated broker panel, enabling access to specialized terms, deductible options and extended reporting features that address IP-specific exposures. Example Accounts A solo patent attorney with 10 years’ practice who handles prosecution and opinions — fits the program if the attorney meets the admission requirement and has clean loss history. A 12-attorney boutique firm with 8% trademark work and a mix of litigation and counseling — the broad definition of professional services and deductible reduction options make this an appropriate submission for Firemark. Click here to learn more about our IP Lawyers Professional Liability program! APU offers a range of professional liability solutions for law firms comprising one to 40 attorneys. Our Attorneys' Select program is a specialized E&S solution for hard-to-place law firms. For an E&O solution, check out our LawGold program. Learn more about Firemark Frequently Asked Questions What types of accounts are a good fit for the Firemark IP Lawyers program?Best fits are solo practitioners and firms with 1–40 attorneys where IP work represents at least 1% patent or 5% trademark/copyright practice and where at least one partner has at least two years’ admission. Firms should have reasonable loss experience and documented procedures for conflicts and client intake. Is coverage tailored to patent prosecution and patent litigation exposures?Yes. The program has a broad definition of Professional Services to address prosecution, opinions, litigation-related IP work and counseling, but underwriters review the mix of services and technical qualifications when pricing and offering terms. In which states is this program available and is it admitted?The program is available in the states and DC listed on this storefront. Admitted status can vary by state and account; confirm admissibility and filing status with Amwins Underwriting at the time of submission. What do you need to submit for a prompt review?Include a completed application, practice-mix breakdown (percent of patent/trademark/copyright work), CVs for partners handling IP matters, and loss runs or claims history. Clear documentation of technical qualifications for patent work helps underwriters evaluate risk quickly. Need help placing an account? Connect with a market specialist.

Overview — Amwins Underwriting: Lawyers E&S (Attorneys' Select) Attorneys' Select, offered through Amwins Program Underwriters, is a non-admitted E&S program designed to place hard-to-place law firms with between 1 and 40 attorneys. The program targets small to mid-sized practices that need professional liability protection outside standard admitted markets. Coverage emphasizes flexibility for predecessor firms and worldwide covered acts, with lawsuits required to be brought in the U.S., its territories, or Canada. Ideal Accounts and Appetite Solo practitioners and law firms with 1–40 attorneys. At least one partner or the solo attorney must have been admitted to practice for a minimum of two years. Firms that have been declined or rated by standard admitted carriers due to specialty exposures, claims history nuances, or other placement issues. You should consider this program when you have small law firms with specialized exposures or placement difficulties. Examples that often fit: a two-attorney boutique handling transactional work with a recent claims sensitivity, or a solo practitioner whose prior carrier non-renewed due to underwriting changes rather than ongoing malpractice allegations. Coverage Highlights and Advantages Professional Liability / Lawyers E&S coverage tailored for smaller law firms. Predecessor firm coverage included to help cover exposure from prior practice configurations. Worldwide covered acts wording (defense and indemnity triggered for acts anywhere), with the requirement that suits must be filed in the U.S., its territories, or Canada. Optional endorsements available: trustee coverage and title agent coverage (both by endorsement where applicable). Access to E&S capacity through Amwins’ program underwriting resources — useful when admitted markets are not an option. Underwriting Notes and Submission Guidance Amwins Underwriting evaluates each submission with attention to firm size, attorney experience, practice areas, and claims history. Provide a complete application, current CVs/resumes for principals, a firm coverage history, and any prior loss runs to speed review. Because this is an E&S program, underwriting will consider factors that admitted carriers sometimes avoid; expect a detailed, case-by-case evaluation rather than a one-size-fits-all binder. Typical eligibility filters you should confirm before submission: Firm size: 1–40 attorneys. Admittance: at least one partner or the solo attorney admitted at least two years. Disclosure of prior claims or regulatory actions with supporting documentation. Territories and Availability This Lawyers E&S program is available nationwide: all U.S. sta...t is non-admitted (E&S) — policies are written through surplus lines markets when required by state regulation. Confirm surplus lines compliance for the insured’s state before binding. Why Place Lawyers E&S with Amwins Underwriting Specialized E&S underwriting focused on small law firms and difficult-to-place accounts. Flexible endorsements (trustee/title agent) to tailor coverage for niche exposures. Underwriting resources and market access from a recognized program underwriter — useful when admitted options are limited. Clear eligibility criteria (1–40 attorneys; minimum admittance experience) that let you pre-qualify prospects quickly. You might have a client who operates a three-attorney real estate practice with a recent coverage non-renewal — this program can provide a viable E&S placement with options for title-agent exposure by endorsement. Or a solo estate-planning attorney with complex trust work may benefit from trustee coverage endorsements available through this program. Frequently Asked Questions What types of law firms are a good fit for this Lawyers E&S program?Small firms and solo attorneys with 1–40 lawyers, where at least one partner or the solo is admitted for two or more years. Firms that are hard to place in admitted markets — due to practice mix, prior carrier decisions, or niche exposures — are appropriate candidates. Is coverage admitted in any states?No. This program places non-admitted E&S coverage. Policies are issued consistent with surplus lines rules for the insured’s state; confirm compliance before binding. What optional coverages are available?Trustee coverage and title agent coverage are available by endorsement where underwriting allows. Discuss endorsements early so underwriting can include them in the proposal if eligible. What submission information helps underwriters make a quick decision?Provide a completed application, prior acts/prior firm information, current attorney resumes/CVs, a full coverage history, and prior loss runs. Clear documentation of practice areas and risk controls speeds underwriting review. Need help placing an account? Connect with a market specialist.

Overview of the Program From Chittenden Insurance Group Chittenden Insurance Group offers a focused program for accounting professionals: AICPA Professional Liability plus Employment Practices Liability Insurance (EPLI). Endorsed by the AICPA and backed by Continental Casualty Company, this solution provides tailored professional liability protection and employment-practices defense for CPAs and accounting firms in Maine, New Hampshire, and Vermont. This program is designed to address the typical exposures faced by accounting firms. It includes full-career coverage for qualified firms and extends protections to all staff members, including per diem and part-time personnel. Whether you’re placing a sole practitioner or a growing multi-staff office, the program pairs substantive coverage with risk-management resources to help reduce claims frequency and cost. Ideal Accounts and Appetite This program works well for agents placing the following types of a...you might have a boutique tax and advisory practice in Vermont seeking full-career professional liability and EPLI, or a two-partner Maine firm that wants coverage for its per diem staff and regulatory inquiry protection. Coverage Highlights and Advantages Full-career coverage available for qualified accounting firms Policy covers all firm staff, including per diem and part-time workers Defendant’s reimbursement coverage up to $50 per hour Regulatory inquiry and investigation coverage up to $10,000 No claim settled without the insured’s written consent Premium financing options to improve affordability AICPA endorsement — a mark of industry recognition and trust Risk Management Services 24/7 toll-free risk-management hotline for policyholders Online policyholder resources and guidance materials Complimentary newsletters and practice updates Opportunities for premium credits and state CE credits through attendance at local seminars or completion of approved self-study courses The program is overseen by an AICPA committee of practicing CPAs who help ensure coverages and risk management services remain aligned with real-world practice risks. Underwriting Notes and Minimum Premiums Chittenden underwrites each submission on its merits. Underwriters consider firm size, services offered (tax, audit, bookkeeping, advisory), claims history, controls and engagement practices. Exact minimum premiums are not published; agents should submit detailed firm information to receive accurate indications. Premium financing is available to eligible firms to ease payment terms. Territories and Availability This AICPA-endorsed professional liability + EPLI program is currently available in: Maine (ME) New Hampshire (NH) Vermont (VT) Contact Chittenden Insurance Group for updates on territorial expansion or changes to state availability. Why Work With Chittenden Insurance Group on This Business Chittenden Insurance Group specializes in placing professional liability for accounting professionals in northern New England. Their exclusive access to an AICPA-endorsed program with capacity from Continental Casualty Company gives your clients strong coverage options and responsive claims handling. Agents benefit from underwriting expertise focused on accounting firms, practical risk-management tools, and program features built for the unique exposures of CPA practices. If you place professional liability and EPLI for accountants in ME, NH, or VT, Chittenden’s program is a practical market to consider for both small firms and solo practitioners. Frequently Asked Questions What types of accounts are a good fit for this program? This program is ideal for CPAs, accounting firms, and solo practitioners in Maine, New Hampshire, and Vermont who need combined professional liability and EPLI coverage, particularly those seeking an AICPA-endorsed product. Does the coverage include part-time or per diem staff? Yes. The policy provides coverage for the entire firm staff, including per diem and part-time employees. Is coverage available outside of ME, NH, and VT? Currently the program is limited to Maine, New Hampshire, and Vermont. Contact Chittenden Insurance Group for the latest on any geographic expansion. Are there risk management resources included? Yes. Policyholders have access to online resources, a 24/7 risk-management hotline, newsletters, and opportunities to earn CE credits via seminars or approved self-study courses. Can clients finance their premium payments? Yes. Premium financing options are available to make coverage more affordable for qualifying firms. Need help placing an account? Connect with a market specialist.

No matter how diligent you try to be, occasionally a client will take action against you for services rendered. Our Miscellaneous Professional Liability program is designed to protect professional service firms with revenues below $15 million. Whether the exposure arises from negligent acts, errors, or omissions in the performance of professional services, the Commercial Sector Insurance Brokers Target Professionals policy can help meet those needs. Overview — Program from Commercial Sector Insurance Brokers This is a wholesale-broker placement for agents seeking Miscellaneous Professional Liability (E&O) solutions for small- to mid-sized professional service firms. The program focuses on professional liability risks where a client provides services for a fee or handles confidential client data and needs protection from claims that could otherwise result in costly litigation or settlements. Ideal Accounts and Appetite This program targets firms with annual revenues up to $15 million in the following general classes: • Management Services Firms • Financial Services Firms • Educational Firms • Legal Support Firms • Real Estate Firms • Personal Services Firms Typical fits include consultants, administrative service providers, real estate support firms, small financial services operations, and other professional support businesses that do not provide highly regulated or specialty professional services (e.g., primary physicians, large engineering firms, or large investment advisers with complex exposures). Coverage Highlights and Advantages Key features of the program include defense outside the limit, full prior acts, disciplinary proceeding coverage, and broader protections that address both first- and third-party exposures. Coverage highlights include: • Defense outside the limit • 75/25 consent to settle provision • Third party discrimination coverage • Personal injury coverage • Full prior acts • Punitive damages coverage where insurable • Martial estate coverage • Disciplinary proceeding coverage • Independent contractor coverage • $5 million limit capacity • Minimum premium $995 • Minimum deductible $0 These features make the program competitive for smaller professional accounts that need meaningful limits and modern policy wording without the administrative burden of multiple submissions. Underwriting Notes and Submission Guidance Underwriters focus on the services provided, revenue, claim history, and any contract language that could broaden exposure. Favorable accounts typically have clean claim histories, clear engagement letters or contracts, and strong controls around client data and subcontractor use. Examples of accounts that commonly work well: A management services firm with $3 million in revenue that provides back-office and HR support to small businesses and wants prior acts and defense outside the limit. A small real estate advisory firm handling client consultations and transaction coordination with limited transactional authority and no professional licensing discipline history. Accounts that usually do not fit include those with significant regulated professional exposures, large transactional fees that exceed the revenue guideline, or multiple pending professional liability claims. Territories and Availability Available through Commercial Sector Insurance Brokers across the following states: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN...E, 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 program is positioned for broad availability — confirm state-specific forms and filing requirements at submission. Why Work With Commercial Sector Insurance Brokers As a wholesale broker, Commercial Sector Insurance Brokers provides responsive underwriting, pragmatic placement solutions, and access to program capacity up to $5 million. Our underwriting team emphasizes practical problem-solving and can work with agents to structure appropriate limits, deductibles, and tailored extensions like disciplinary proceeding coverage and third-party discrimination protection. If you have a professional services client who handles confidential data, provides fee-based advice, or executes client contracts, this program is worth considering as part of your placement strategy. Our experienced team of underwriters focus on solving difficult problems with innovative solutions to meet your specific insurance needs. At Commercial Sector Insurance Brokers WE’RE DIFFERENT and that’s good for you. Please reach out to us today to learn more about how the Miscellaneous Professional Liability program can protect your clients. Frequently Asked Questions What types of accounts are a good fit for this program?Small- to mid-sized professional service firms with revenues up to $15 million—such as management services, small financial services, educational services, legal support, real estate support, and personal services—are ideal. Firms with clean claim histories and clear client contracts typically place best. What limits and pricing capacity are available?The program can provide up to $5 million in limit capacity. The program notes a minimum premium of $995 and offers a $0 minimum deductible option; final pricing and deductibles depend on class, limits, and underwriting factors. Does the policy include prior acts and defense inside or outside the limit?Yes — the program offers full prior acts coverage and defense outside the limit as part of its standard features, subject to underwriting and policy terms. Are disciplinary proceedings and punitive damages covered?Disciplinary proceeding coverage is included. Punitive damages coverage is provided where insurable by applicable law and jurisdictional rules. How should I submit an account for consideration?Provide a completed application, current professional resume or service description, recent loss run, engagement contract language (if applicable), and up-to-date revenue information. Clear documentation of services and controls will speed underwriting review. Need help placing an account? Connect with a market specialist.