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Program Overview — Access E&S Insurance Services Access E&S Insurance Services offers an Environmental Engineers Professional/General Liability program designed for agents placing professional and general liability for environmental engineering and consulting firms. This E&S (excess & surplus) solution pairs professional errors & omissions protection with general liability features tailored to the unique exposures of environmental consultants, remediation oversight, and field sampling operations. The program is placed through non-admitted markets and is available in AZ, CA, CO, NV, TX, and WA. Ideal Accounts and Target Classes Small to mid-sized environmental engineering firms and consultancies Companies performing Phase I/II ESAs, site assessments, sampling and monitoring Stormwater management and erosion control design consultants Environmental permitting and compliance consultants Laboratory services tied to environmental testing (limited scope) Accounts with routine fieldwork, limited on-site remediation, and clear scope-of-services generally fit best. Firms with heavy contractor-style remediation, large-scale soil handling, or ongoing on-site excavation may require specialized contractors’ pollution or remediation-specific placements and are often outside this program’s appetite. Coverage Highlights and Advantages Combined professional liability (E&O) and general liability options to address both technical errors and third-party bodily injury/property damage Pollution-related liability extensions appropriate for sampling, testing, and limited remediation oversight Completed operations and contractual liability available to support common consulting contracts Flexible limits and terms through various E&S carriers to match client risk profiles Underwriter expertise in environmental engineering exposures helps secure terms for accounts that are difficult to place in admitted markets Underwriting Notes and Minimum Premiums Underwriters typically request: Completed applications describing services rendered and percentage of revenue by task Current loss runs and prior claims details Sample contracts or professional services agreements (to evaluate indemnity and hold-harmless obligations) Resumes or descriptions of key personnel when specialized technical services are provided Minimum premium: varies by carrier and state. Because coverage is placed in E&S markets, terms and minimums can be more flexible than admitted markets but will reflect the account’s exposures and loss history. Territories and Placement Positioning This program is available through Access E&S Insurance Services in AZ, CA, CO, NV, TX, and WA. Coverage is provided through non-admitted E&S carriers (various markets), so agents should be prepared to explain non-admitted placement implications to insureds and confirm state-specific filing and premium tax requirements when binding. Why Place Environmental Engineers Business With Access E&S Access to multiple E&S carriers experienced with environmental and professional risks Underwriters who understand consultant workflows and common contract exposures Ability to place accounts that are marginal in admitted markets due to past losses, contract wording, or unique field operations Practical appetite for a range of small to mid-size environmental practices across six western states Example fits: you might have a five-person firm performing Phase I/II site assessments for commercial real estate developers, or a mid-sized consultant providing stormwater design and regulatory compliance services. Both could be placed under this program with tailored limits and pollution endorsements appropriate to their operations. Frequently Asked Questions What types of environmental engineering accounts are a good fit for this program?This program targets small to mid-sized environmental and engineering consultants engaged in site assessments, sampling, permitting, stormwater design, and compliance consulting. Firms performing heavy on-site remediation, large-scale excavation, or soil handling typically need specialized contractor pollution or remediation placements and may not fit. What limits and extensions are commonly available?Limits and extensions vary by carrier but commonly include combined E&O and GL limits, completed operations, contractual liability, and pollution extensions for sampling and oversight. Underwriters will propose limits based on revenue, operations, and loss history. What underwriting information should I submit to get a quick decision?Submit a completed application, revenue breakdown by service, current loss runs, sample client contracts, and a brief description of on-site versus office-based activities. Including resumes for technical principals helps when specialized services are provided. Is this an admitted program and which states are supported?This is an excess & surplus (non-admitted) placement offered by Access E&S Insurance Services. The program is currently available in AZ, CA, CO, NV, TX, and WA. Agents should verify non-admitted filing and premium tax obligations for insureds in those states. 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. ...

PLIS, Inc. – Underwriting Facilities offers a suite of specialized professional liability programs tailored for insurance agents, employers, and a wide range of professional clients. As a dedicated program administrator, PLIS provides customized solutions designed to address complex and emerging risks across multiple industries. Backed by the financial strength and global reach of Certain Underwriters at Lloyd’s, PLIS delivers flexible, non-admitted coverage options nationwide. Ideal Accounts and Appetite PLIS targets a broad spectrum of professional liability risks, with programs designed to serve both traditional and niche markets. Ideal accounts include: Insurance agents and brokers needing errors and omissions (E&O) protection Real estate professionals seeking E&O coverage Technology firms requiring cyber liability and tech E&O Restaurants and hospitality businesses exposed to foodborne illness and business interruption risks Manufacturers and retailers needing product recall crisis recovery Landlords and hospitality providers with bed bug liability exposures Miscellaneous professionals with unique E&O or allied medical needs Whether your client runs a small real estate firm or a regional hospitality chain, PLIS has developed targeted insurance solutions to address their specific liability exposures. Coverage Highlights and Advantages PLIS programs go beyond standard offerings, providing enhanced features that address real-world risks. Coverage options include: Employment Practices Liability – Protects employers from claims involving discrimination, harassment, wrongful termination, and more Miscellaneous E&O – Broad coverage for professionals outside traditional categories Business Interruption for Foodborne Illness – Designed for restaurants and hospitality sectors Product Recall Crisis Recovery – Covers financial loss and crisis management following a recall event Bed Bug Infestation Recovery and Liability – Unique coverage for property and hospitality businesses Real Estate E&O – Tailored protection for brokers and agents Cyber Liability – Comprehensive data breach and privacy liability coverage Each program is supported by full risk management services, helping clients reduce exposure and improve claims outcomes before a loss occurs. Underwriting Notes and Minimum Premiums PLIS underwrites on a non-admitted basis, offering flexibility in crafting coverage for unique or hard-to-place risks. Minimum premiums vary by program, class, and exposure, allowing agents to place both small and mid-sized accounts efficiently. Underwriters work closely with agents to assess risk and find the right fit across these specialty lines. Territories and Availability Programs are available in all 50 states and Washington, D.C., including AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN... D.C., on a non-admitted basis. Which carrier backs these programs?Programs are underwritten through Certain Underwriters at Lloyd’s, providing strong financial backing and global capabilities. Can I submit small or hard-to-place accounts?Yes, PLIS is designed to handle both small and complex risks. Minimum premiums vary, and underwriters can help assess fit for non-standard accounts. What additional services does PLIS offer?In addition to insurance coverage, PLIS offers full risk management support, helping clients reduce exposure and improve outcomes. Need help placing an account? Connect with a market specialist.

Worldwide Facilities, LLC offers a specialized Lawyers Professional Liability program that helps agents and brokers place coverage for law firms with complex or high-exposure practice areas. With access to a range of top-rated carriers—some through exclusive or limited distribution relationships—Worldwide Facilities delivers tailored coverage solutions that address the evolving risks in the legal industry. Whether your client is a solo practitioner or a mid-sized firm with a challenging area of focus, we help you navigate the nu...s of this competitive and specialized market. Our experienced underwriters assist in structuring policies that meet the unique risk profile of each firm, even for hard-to-place accounts. Visit us online for additional information. Ideal Accounts and Appetite This program is designed for law firms ranging from small practices to larger specialty firms. We have appetite for a wide array of legal specialties, including: Class Action / Mass Tort Collection / Foreclosure Entertainment Law Financial Institutions Intellectual Property Oil & Gas Plaintiff Litigation Real Estate Law SEC / Securities Work You might have a client who manages IP litigation for tech startups, or a boutique firm handling foreclosure cases in multiple states—both are examples of risks we can help you place. Coverage Highlights and Advantages Our program offers a full suite of coverage features designed to meet the unique liability exposures of law firms, including: Worldwide Coverage Primary and Excess Layers Prior Acts Coverage Broad Definition of Professional Services Choice of Counsel Punitive Damages (where insurable) Manuscript Endorsements Aggregate Reinstatements Stand-Alone and Multiple ERP Options Quota Share Structures These options provide flexibility for firms with unique needs, including tail coverage and customized wording for specialized services. Underwriting Notes Worldwide Facilities specializes in hard-to-place and complex risks. We welcome submissions for firms with challenging practice areas or claims history. While minimum premium requirements vary by risk, our team works closely with agents to find solutions that fit both coverage needs and budget. Territories and Availability This program is available in all 50 states and the District of Columbia. Please note this is a non-admitted solution, which allows greater flexibility in customizing coverage for specialized risks. Why Work With Worldwide Facilities As a leading wholesale broker, Worldwide Facilities brings deep market access, underwriting expertise, and a commitment to helping agents succeed in placing complex legal professional liability risks. Our exclusive and limited distribution appointments give you access to markets that are not widely available—and our responsive team supports you throughout the placement process. For personalized guidance, contact: William Schmitt Senior Vice President (312) 465 5303 [email protected] Frequently Asked Questions What types of law firms are a good fit for this program?Firms with specialized or high-risk practice areas such as mass torts, foreclosure, entertainment, or intellectual property law are ideal candidates. We also consider plaintiff firms and those involved in securities work. Is this program available in all states?Yes, the program is available in all 50 states and the District of Columbia. Can I get coverage for a firm with prior claims?Yes, firms with prior claims are considered. Our underwriters will evaluate the details to determine the most appropriate structure and carrier fit. Does the program offer tail coverage or ERP options?Yes, we offer both stand-alone and multiple Extended Reporting Period (ERP) options to accommodate different firm needs. Who should I contact for a quote or more information?You can reach out to William Schmitt, Senior Vice President, for guidance and submissions related to this program. Need help placing an account? Connect with a market specialist.

Overview of the Program from America's Internet Brokers, Inc. America's Internet Brokers, Inc. offers a Miscellaneous Professional Liability (MPL) program placed with AIG to help agents place professional liability coverage for a broad range of non-technical service firms. This program is intended for businesses that provide advice, information or administrative services rather than licensed medical or structural-design services. Coverage is written on non-admitted paper and is available in the states listed below. Ideal accounts and target classes The program is a fit for small to mid-sized professional service firms where the primary exposure is alleged errors & omissions, failure to perform, or negligent misrepresentation rather than property or heavy bodily-injury exposures. Typical classes include: Answering services/alarm monitoring companies Convention/tradeshow arrangement service providers Court recorders/stenographers Information retrieval services Interior designers/decorators/space planners (non-structural) Land surveyors Management consulting of market appraisal and feasibility studies Marketing consultants/researchers Mailing service providers Medical information service providers Notaries Paging services Printers/printing firms (non-financial) Public relations firms/consultants Publishers Telemarketing firms Accounts that rely on professional knowledge, documentation, or client communication rather than hands-on installation or medical care are best suited to this program. The program is not intended for firms that perform structural engineering, provide direct patient medical services, act as investment advisors, or otherwise carry high-risk operational exposures without separate coverage. Coverage highlights and advantages Professional liability wording tailored for miscellaneous service providers—focus on E&O and failure-to-perform allegations. Access to AIG capacity for stable paper and broad form options where available. Flexible limits and deductible options (underwriting dependent). Streamlined eligibility for common small business professional classes—helpful for brokers placing multiple small accounts. Underwriting notes and submission requirements America's Internet Brokers, Inc. requires loss runs prior to binding. Most billings are on a direct bill basis to your insured by the carrier. When submitting, include a completed application, current loss runs, and a summary of services performed by the insured. Prior claims, contract language, or circumstances that suggest professional exposure outside the listed classes may require additional review or result in declination. Territories and availability This program is available on a non-admitted basis in the following states: AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA...Availability is subject to state filing rules and carrier appetite. Example accounts You might have a client who runs a regional marketing research firm that provides reports and recommendations to retail chains. They have limited property exposure and want protection from allegations of negligent research or incorrect forecasting—this program is a fit. Another good example is a small public relations agency that drafts press materials and offers strategic communications advice. Their primary risk is reputational or financial loss resulting from alleged errors in advice or materials produced. Why work with America's Internet Brokers, Inc. on MPL business Direct access to AIG capacity for many miscellaneous professional classes. Underwriting tailored for non-technical, advisory, and administrative service firms. Clear submission expectations—loss runs required prior to binding—so you get faster, cleaner placement decisions. Frequently Asked Questions What types of accounts are a good fit for this MPL program?Small to mid-sized professional service firms whose primary exposure is errors & omissions or failure to perform—examples include marketing consultants, PR firms, publishers, mailing services, notaries, and other classes listed above. What underwriting information is required before binding?America's Internet Brokers, Inc. requires current loss runs prior to binding. Include a completed application and a clear description of services provided. Additional documentation may be requested for accounts with prior claims or unusual exposures. Is the program admitted or non-admitted, and where is it available?The program is placed on non-admitted paper and is available in the states listed in the storefront. Availability can change by state, so confirm on submission. How are policies billed and how will my insured receive invoices?Most billings are on a direct bill basis to your insured by the carrier. Confirm billing preferences during quote/submission to avoid surprises for the client. 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.

Overview of the Program from Fox Point Programs Fox Point Programs offers a dedicated Registered Investment Advisors (RIA) insurance program designed for independent agents and brokers placing professional liability and allied coverages for advisory firms. As a Managing General Agency, Fox Point works with various carriers to assemble admitted and non-admitted solutions across most available states. The program focuses on practical, packaged options—typically including professional liability (E&O) and commonly requested add-ons such as cyber liability, crime/fidelity, and regulatory defense—so you can deliver a full risk-transfer solution to your RIA clients. Ideal Accounts and Appetite Independent RIAs and fee-based advisory firms (solo advisors through multi-advisor shops) Wealth managers, hybrid advisors, family-office style practices and sub-advisory arrangements Firms with standard advisory activities: financial planning, portfolio management, investment recommendations, and model management Clients with stable compliance histories and established procedures for custody, billing, and cybersecurity Generally not a fit: firms with unresolved regulatory disciplinary actions, multiple recent or large professional liability claims, crypto-native trading platforms, proprietary hedge funds, or activity outside typical RIA services (private placement platforms, issuer-side capital raising) without prior approval. Coverage Highlights and Advantages Professional liability (Errors & Omissions) tailored to advisor exposures Cyber/privacy liability offerings to address data breach and technology risk Crime/fidelity solutions for employee theft, forgery, and client funds exposure Regulatory defense and fines coverage options where available Package flexibility through access to multiple markets—helpful for unusual risk profiles or layered placements Because Fox Point places with various carriers, you can often combine admitted and no...DC). Availability and admitted status vary by state and carrier—Fox Point can advise on admitted options where required. Why Work With Fox Point Programs on RIA Business Specialized MGA with focused underwriting for the RIA niche and relationships with multiple carriers Ability to access both admitted and non-admitted markets to find placement solutions for diverse client profiles Responsive quoting and underwriting support to help you close accounts efficiently Packaging expertise that helps combine E&O, cyber, and crime coverages so clients receive a cohesive program Example Client Scenarios You have a solo financial planner transitioning to independent RIA status who needs E&O plus cyber coverage to satisfy a custodian requirement. Fox Point can help bundle policies and approach markets that write smaller advisory firms. You represent a small multi-advisor RIA worried about employee theft and regulatory inquiry exposure. Consider a package with crime/fidelity and regulatory defense options to manage those concerns. Frequently Asked Questions What types of RIA accounts are the best fit for this program?The best fits are independent RIAs and wealth management firms offering financial planning and discretionary/non-discretionary portfolio management, with stable compliance histories and standard custody arrangements. Solo advisors through mid-sized multi-advisor firms are typical targets. Which coverages can I combine through Fox Point Programs?Fox Point commonly packages professional liability (E&O) with cyber liability, crime/fidelity, and regulatory defense options. Available combinations depend on carrier appetite and the client’s profile. What information should I include in a submission?Include the firm’s current Form ADV (Parts 1 and 2), a completed application, recent loss runs, a summary of cybersecurity controls, and sample advisory agreements or custody arrangements. These items accelerate underwriting and improve quote accuracy. Is this program available nationwide?The program is available in most states (including DC). Availability and whether coverage is admitted or non-admitted depend on the carrier and state—Fox Point will advise on the best market for each jurisdiction. Need help placing an account? Connect with a market specialist.

Insurance for Engineers Ryan Specialty National Programs offers a comprehensive Engineer Insurance program tailored for architects, engineers, and environmental consultants. As a program administrator with deep expertise in professional liability, RSG National Specialty Programs delivers customized solutions through exclusive access to the Architects & Engineers program underwritten by Aspen American Insurance Company. This program is designed to help agents and brokers secure quality coverage for engineering and design firms that require specialized protection against the risks inherent in professional services. Whether your client is a civil engineer working on municipal infrastructure or a mechanical engineer designing HVAC systems, this program offers meaningful risk management solutions and competitive pricing. Ideal Accounts and Target Classes The program is designed for small to mid-sized firms with annual billings up to $10 million, but larger firms may be considered on a case-by-case basis. Target classes include: Construction Managers Civil / Structural Engineers Electrical / Mechanical / HVAC Engineers Landscaping / Golf Course Architects Surveyors Interior Designers Non-licensed professionals (e.g., kitchen designers, lighting designers, specification writers) Coverage Highlights and Advantages Ryan Specialty’s Engineer Insurance program provides a broad suite of coverages and value-added services that help insureds proactively manage risk: Professional Liability and Contractors Pollution Liability Advertising and Personal Injury coverage Network Security Supplemental Payment – up to $100,00... CA, TX, FL, NY, IL, and GA. Admitted markets are available in some jurisdictions. Contact Ryan Specialty National Programs for specific state availability. Why Work With Ryan Specialty National Programs Ryan Specialty National Programs combines underwriting expertise with dedicated service to help agents place engineering and design-related risks efficiently. With value-added services like contract review and pre-claims assistance, plus access to exclusive markets, this program is designed to support agents and their clients throughout the policy lifecycle. Contact us today for more information on our Engineer Insurance program! Frequently Asked Questions What types of accounts are a good fit for this Engineer Insurance program?Engineering and design firms with up to $10 million in annual billings, including civil, structural, mechanical, and electrical engineers, are ideal. Larger firms may be considered individually. Which carriers underwrite this program?The program is underwritten by Aspen American Insurance Company, offering strong financial backing and tailored policy forms. Are there any value-added services included with the policy?Yes. Insureds receive free contract reviews, access to a pre-claims hotline, and reimbursement for crisis events, peer reviews, and legal expenses under defined conditions. What is the minimum premium for this program?The minimum premium typically starts at $1,400, with interest-free financing available for premiums of $10,000 or higher. Is this program available in all states?The program is available in most U.S. states. Admitted markets are available in select states. Contact Ryan Specialty National Programs to confirm availability in your state. Need help placing an account? Connect with a market specialist.

Investigator’s Liability Insurance Program Brownyard Programs, Ltd. offers a tailored Investigators' Liability program designed specifically for professional private investigation firms that fall outside the scope of the NCISS Plan. Whether your client is not a member of NCISS, has more than 10 employees, or performs investigative work not eligible under the NCISS Plan, this program provides a robust alternative with comprehensive coverage options. Ideal Accounts and Appetite Private investigation firms with more than 10 employees Firms not affiliated with the NCISS Investigators involved in complex or high-exposure work not eligible under standard PI programs You might have a client who specializes in corporate investigations, surveillance, or background checks involving high-net-worth individuals—this program is built to handle those needs. Coverage Highlights The Investigators' Liability program provides broad, occurrence-form coverage under a top-tier General and Professional Liability policy. Key coverages include: Occurrence Form – Covers incidents during the policy period, regardless of when the claim is filed General Liability – Basic premises and operations coverage Professional Liability – Errors & Omissions including financial loss Assault & Battery – Protects against physical altercation claims Personal Injury – Includes false arrest, libel, slander, and invasion of privacy Vicarious Liability – Covers acts of employees for which the insured is legally liable Contractual Liability – For obligations assumed under contract Blanket Additional Insured – Automatically includes clients as required by contract Independent Contractors – Covers the named insured’s liability for contractors’ actions Accidental Death Benefit – $25,000 per employee if death occurs in the line of duty Limits, Deductibles, and Premium Structure Standard Limits: $1,000,000 per occurrence / $2,000,000 aggregate Higher limits may be available based on underwriting Deductible: $2,500 per claim Premiums are based on prior revenues, with no audit required Minimum premium: $2,500 Carrier and Program Backing This program is written through Lexington Insurance Company, an A.M. Best-rated A ("Excellent") Class XV ($2 Billion or greater) company. Coverage is offered on a non-admitted basis in all available states. Territories and Availability The Investigators' Liability program is available in most U.S. states, inc...lp placing an account? Connect with a market specialist.

Policy Highlights for Lawyers Insurance: Colonial General Insurance Agency, Inc. offers a Lawyers Insurance program designed for agents and brokers who place professional liability for law firms across the Southwest. Colonial General works with a panel of admitted and non-admitted markets to provide flexible coverage options for new and established firms, solo practitioners, part-time or moonlighting attorneys, and newly admitted lawyers. Our underwriting relationships and loss-prevention resources help you secure market capacity for a broad range of practice sizes and common areas of law. Overview of the Program From Colonial General This Lawyers Insurance program provides access to leading professional liability carriers that understand legal practice exposures. Coverage forms and limits vary by carrier, with common features offered across the panel including disciplinary proceedings coverage, loss-only deductibles, first-dollar defense options, and claim expense outside the limits. Colonial General acts as a Managing General Agency and Excess & Surplus Lines broker, placing accounts in admitted and surplus markets as appropriate. Ideal Accounts and Appetite Solo attorneys and small to mid-sized law firms. Newly formed firms and recently admitted attorneys. Part-time, moonlighting, or of-counsel attorneys needing tailored coverage. General civil practice areas and many specialty practices—subject to underwriting review. Accounts with routine civil litigation, transactional work, family law, real estate, estate planning, and general corporate services often fit well. Firms with extensive regulatory, securities, or large mass-tort exposures may require specific carrier appetite checks. Coverage Highlights and Advantages Limits available up to multi-million dollar levels depending on carrier (panel includes options commonly up to $5M; select markets may offer higher capacity). Disciplinary proceedings coverage to help manage regulatory exposures. Loss-only deductible structures and First Dollar Defense options. Claims Expense Outside the limits available on many programs. Loss prevention programs and resources to help reduce claim frequency and severity. Underwriting Notes and Submission Tips Underwriters evaluate practice area mix, attorney headcount, revenue, claims and disciplinary history, and risk management practices. To accelerate review, include: Current application and firm roster with dates admitted to the bar; Five-year loss run or claims history; Description of high-exposure matters (if any) and any risk management practices; Details on moonlighting/part-time arrangements where applicable. Limits, deductibles, and specific coverage endorsements depend on carrier availability. Colonial General can quote admitted or non-admitted options where available; confirm state placement requirements when writing surplus lines. Territories and Availability Program availability includes: AZ, CA, CO, ID, NV, NM, UT, WY. Some admitted markets are available depending on state and carrier; when admitted capacity is limited, E&S placement is used to secure broader coverage options. Why Work With Colonial General on Lawyers Insurance Deep regional experience—Colonial General insures thousands of law firms in the Southwest and has established carrier relationships that understand legal exposures. Flexible placement—ability to access both admitted and excess & surplus markets to match client needs. Loss control support—programs and resources to help reduce the likelihood and cost of claims. Responsive underwriting—specialized underwriting for new, part-time, and newly admitted attorney accounts. Example accounts that fit this program A three-attorney real estate and estate planning firm with clean loss history seeking $1M/$1M limits and disciplinary proceedings coverage. A newly formed solo practitioner recently admitted to the bar who moonlights part-time and needs a tailored policy with a lower-dollar deductible and access to loss prevention resources. Frequently Asked Questions What types of law firms are a good fit for Colonial General’s Lawyers Insurance program?Small to mid-sized firms, solo practitioners, newly formed firms, part-time attorneys, and newly admitted lawyers are core targets. Firms practicing routine civil litigation, real estate, family law, estate planning, and general transactional work typically fit well—subject to underwriting review. Are admitted policies available or is coverage only placed as surplus lines?Colonial General places business in both admitted and surplus markets where available. Some carriers on the panel write admitted paper in specific states; when admitted capacity isn’t available, excess & surplus placement is used. What coverage features and limits can I expect to offer clients?Common features include disciplinary proceedings coverage, loss-only deductible options, First Dollar Defense, and claims expense outside the limits. Limits vary by carrier and account, commonly up to $5M, with select markets offering higher capacity. What submission information helps get a faster decision?Provide a completed application, firm roster with bar admission dates, five-year loss runs, and a summary of any high-exposure matters. Clear information on part-time or moonlighting arrangements helps underwriters assess risk quickly. Which states does this program serve?The program is available in AZ, CA, CO, ID, NV, N... and WY. Availability of admitted vs. surplus markets varies by state and carrier. Need help placing an account? Connect with a market specialist.