Search CompleteMarkets

Whether for small groups or large groups, self-insurance is often a reasonable alternative to a fully-insured employee benefit program. To be successful, plan administrators need an efficient, easy-to-use system, providing timely plan data and quantitative analyses to make quality decisions. The state-of-the-art software solutions from Apex Data Systems deliver this level of quality and support to Third Party Administrators, Associations, Self-Administering Employers, and other entities challenged with handling the full administration and claims responsibilities of a self-funded trust. No matter how small the organization, to have a strong plan requires a strong system that offers flexibility, accuracy, and full functionality. While also available modularly, the complete systems from Apex Data Systems encompass both administration and claims features delivering a total solution for both professional plan administrators and self-administered groups. Administration Capabilities Apex Data Systems' approach to administration of self-funded programs is not a "watered-down" version, but rather a complete software solution. It includes all the features, if needed, to handle the details of plan design, underwriting, rating, enrollment, billing, cash receipts, posting, delinquency tracking, agent commission processing, renewals, financial reporting, and more. Functionality of special interest to self-funded plan administrators and self-administered groups includes: Ability to support multiple plans and cafeteria selection of benefits at the employee and dependent level. Ability to define contributory and non-contributory programs. User-definable plans carrying unique data fields regarding funding vehicle, reinsurance carrier, policy number, plan year period, certificate issue flags, and other elements that allow these records to define self-insured, reinsured, and fully-insured products. Ability to self-fund by product type or plan code while other coverages are fully-insured, and to have any number of insurance carriers underwrite different contracts, to support the various products offered under an employee benefit program. Consolidated billing on a single invoice for health or other self-funded contributions, specific and aggregate premiums, and life insurance or other fully-insured plan premiums. Administration fee billing combined with or separate from contributions toward a claim fund. Summary Plan Descriptions with ID cards carrying data critical to benefit verification. Census data, enrollment information, and the ability for user defined data mining via ad-hoc query. Analysis reporting of contributions, premiums, financial figures and data for 5500's. Claims Capabilities Available as a part of the consolidated system, or as a standalone module with full eligibility maintenance, the Apex Data Systems claims adjudication system documents claims activities, protects against excessive claims payments, and supports faster and more accurate claims services designed to meet the users' needs. Highlighted features include: Capture of underlying and overlaying plans of benefits for liability of trust versus re-insurer. Monthly reports to manage the plan by line of coverage and employee utilization. Plan design flexibility to match previously insured benefits or suit the user's unique needs. Claims lag reports which detail the time between treatment, the dates claim materials were first received and last received, and the date the claim was paid. User defined maximum number of services, maximum benefits, daily allowances, co-pays, coinsurance levels, deductibles and other parameters by type of service or benefit code. Provisions for preferred and exclusive provider organizations. User-defined cause codes (three-digit alphanumeric field) that let you classify claims activity in a meaningful way, and report on all your claims experience. Complete pending and correspondence support. Seamless, real-time integration with our administration system so the current eligibility status of each insured is recognized immediately as changes are made. Capture of claims information regarding specific and aggregate stop-loss provisions. Automatic alerts when the claim reaches user defined reinsurance reporting point and the actual reinsurance attachment point. Claim check issuance with provider batch payment feature and check reconciliation. Worksheet history for submission to reinsurance carriers. Full claims analysis reports including incurred and paid claims, lag studies, reinsurance reporting, and catastrophic losses by incurred, incurred and paid and paid dates. Standard and ad-hoc reporting is available to support cash flow analysis and monitor reserves.

Caitlin Morgan Insurance Services offers a robust Captive Insurance Solutions program tailored for agents and brokers seeking alternative risk financing options for their clients. As a trusted Managing General Agency and Excess & Surplus Lines Broker, Caitlin Morgan brings deep expertise in captive and rent-a-captive structures to help businesses gain more control over their insurance programs, manage risk more effectively, and reduce long-term insurance costs. Overview of the Program From Caitlin Morgan Insurance The Captive Insurance Solutions program is designed to support organizations looking for greater flexibility and more direct involvement in their insurance operations. Whether your client is seeking to stabilize costs, access reinsurance markets, or participate in underwriting profits, Caitlin Morgan provides turnkey solutions that are customized to meet unique risk profiles and financial objectives. With access to various carriers and reinsurance partners, Caitlin Morgan supports a range of captive models, including single-parent, group, and rent-a-captive programs. Their bundled services approach simplifies implementation and ongoing management, making captive strategies more accessible for a broader range of businesses. Ideal Accounts and Appetite This program is an excellent fit for mid-sized to large businesses with consistent loss histories and a proactive approach to risk management. Target industries include, but are not limited to: Healthcare facilities and senior living organizations Construction and real estate Manufacturing and distribution Educational institutions and nonprofits Transportation and logistics You might have a client with a strong safety program and predictable claims who is frustrated with fluctuating premiums—this captive solution can help them take more control of their insurance spend. Coverage Highlights and Advantages Key benefits include: Greater input and control over claims handling and risk management Lower net cost of insurance over time Flexible program design tailored to specific risk profiles Direct access to the reinsurance marketplace Opportunity to participate in underwriting and investment results Comprehensive, one-stop bundled services approach These advantages help insureds align their insurance program with long-term business objectives while gaining transparency and stability in pricing. Underwriting Notes and Minimum Premiums Each captive arrangement is customized, and underwriting is based on a detailed review of the insured’s loss history, financials, and operational practices. While there is no universal minimum premium listed, Caitlin Morgan typically works with accounts that are large enough to benefit from the economies of a captive model. Agents should be prepared to provide detailed submission data to determine fit. Territories and Availability This program is available in all U.S. states, including DC. Whether your client is based in California, Texas, New York, or anywhere in between, Caitlin Morgan can assist in structuring a compliant and effective captive solution. Why Work With Caitlin Morgan Insurance Services With decades of experience in alternative risk financing, Caitlin Morgan Insurance Services offers the knowledge, carrier access, and service infrastructure needed to support complex captive arrangements. Their team of specialists works closely with agents and brokers to craft tailored solutions that meet your clients’ operational and financial needs. From initial feasibility analysis to implementation and ongoing management, Caitlin Morgan is your partner in developing successful captive insurance strategies. Captive Solutions Contact: Chris Murray P: (800)723-7475, Ext. 233 [email protected] Frequently Asked Questions What types of accounts are a good fit for this program?Businesses with predictable loss experience, strong risk management practices, and a desire for long-term insurance cost control are ideal candidates. Target industries include healthcare, manufacturing, transportation, and construction. What captive structures does Caitlin Morgan support?Caitlin Morgan supports single-parent captives, group captives, and rent-a-captive arrangements, depending on the client’s size, risk profile, and goals. How can a captive help lower insurance costs?Captives can reduce net insurance costs by allowing insureds to retain profitable underwriting results, access reinsurance markets, and better manage claims and loss control strategies. Can Caitlin Morgan help with captive feasibility studies?Yes, Caitlin Morgan offers a turnkey approach that includes feasibility analysis, program design, and implementation services to ensure the right fit for your client. Is this program available nationwide?Yes, Caitlin Morgan’s Captive Insurance Solutions are available in all U.S. states, including the District of Columbia. Need help placing an account? Connect with a market specialist.

Check out Southern Insurance Underwriters, Inc.'s admitted and E&S markets for Lessor Risk Insurance! Southern Insurance Underwriters, Inc. (SIU) offers a flexible admitted program for Lessor Risk Insurance designed for agents who need broad, A-rated market access and practical underwriting solutions. SIU places General Liability, Property, Crime, Inland Marine and Automobile coverage for a wide range of lessor exposures. Both Standard and Non-Standard placement options are available — and SIU can provide quotes on most risks you have the opportunity to write. Overview of the Program From Southern Insurance Underwriters, Inc. This program is delivered by SIU as a managing general agency with access to multiple "A" rated carriers. It is intended to protect lessors from third-party liability, physical damage to owned property and leased equipment, crime and inland marine exposures tied to leased property, and automobile liability where applicable. SIU emphasizes practical, market-driven solutions for agents placing small to mid-sized lessor portfolios across AL, GA and SC. Ideal Accounts and Appetite Commercial property lessors and landlords (retail strips, small office buildings, industrial units) Equipment lessors and specialty leasing operations that need Inland Marine and Property protection Vehicle leasing and fleet lessors looking for Auto and Liability packages Storage and self-storage operators where tenant property exposures and crime coverage are concerns Typical fits are accounts with straightforward lease documentation, clear loss control practices and total insured values within program guidelines. SIU can also consider non-standard or higher-risk placements through E&S markets when risks fall outside company underwriting limits. Coverage Highlights and Advantages Access to multiple "A" rated carriers for admitted placements Coverage lines available: General Liability, Property, Crime, Inland Marine, Automobile Up to $3 million in Total Insured Value (TIV) without reinsurance — larger programs considered via reinsurance or E&S Property enhancement endorsement offering 20+ additional coverages to tailor protection Not credit or insurance scored — simplifies qualifying smaller or specialty lessors Excess and Umbrella capacity available to broaden limits Underwriting Notes and Minimum Premiums Admitted placements are available where state rules and carrier appetite permit; E&S is used for risks outside those guidelines. Underwriting is risk-specific — minimum premium and final terms vary by carrier, line of coverage and the individual account. Common submission items include lease schedules, loss runs, property values and basic risk control information. Territories and Availability This program is available in AL, GA and SC. SIU positions most business in admitted markets when possible and will access E&S markets for risks that require non-admitted placement or exceed admitted company limits. Why Work With Southern Insurance Underwriters, Inc. on Lessor Risk Insurance Wholesale MGA model gives agents fast access to multiple A-rated admitted markets and E&S solutions. Program flexibility — combination property, liability and inland marine placements tailored to lessor exposures. Experienced underwriting focused on practical, marketable solutions for independent agents. Example scenarios You might have a client who owns several small retail storefronts and needs a combined package for building property, general liability and crime coverage — this program can quote admitted coverage and add excess limits when needed. Or you might place an equipment lessor with $2M in leased assets that needs inland marine plus liability; SIU can consider that account within the $3M TIV guideline or refer to E&S for larger portfolios. Frequently Asked Questions What types of lessor accounts are a good fit for this program?Commercial property owners/landlords, equipment lessors, vehicle leasing operations and small storage operators are core fits. The program works best for accounts with clear lease schedules, standard occupancy types and documented loss control. Is coverage admitted or non-admitted?SIU places most business in admitted markets where available. E&S markets are used for risks outside admitted carrier guidelines or when a non-admitted solution is necessary. What is the Total Insured Value (TIV) limit before reinsurance is needed?SIU will consider up to $3 million in TIV without reinsurance. Larger TIVs may be handled with reinsurance or placed through E&S, depending on the account. What submission information do I need to get a quote?Provide a lease schedule or list of locations/assets, recent loss runs, property values and a summary of operations. Additional details may be requested depending on the lines you need (auto schedules, inland marine schedules, etc.). Are enhancements like excess limits and endorsements available?Yes. The program offers property enhancement endorsements (20+ additional coverages) and excess/umbrella capacity to help tailor limits and coverage to client needs. Need help placing an account? Connect with a market specialist.

To offer the best, you must work with the best—and Capitol Special Risks delivers with a specialized Insurance Agents and Brokers Professional Liability Insurance program backed by highly experienced underwriters and top-tier carriers. Designed for retail agents and brokers looking to protect their own operations or their clients in the insurance industry, this program provides comprehensive E&O coverage with broad eligibility and flexible terms. Ideal Accounts and Appetite Capitol Special Risks considers a wide range of professional placements in the insurance distribution chain, including: Retail Insurance Agents and Brokers Wholesalers, MGAs, and MGUs Reinsurance Intermediaries and Reinsurance Brokers Third-Party Administrators (TPAs) This program is suitable for both small and large firms, including sole proprietors and retiring agents who need extended reporting options. Whether your client is a startup agency or a multi-state operation, Capitol can help you place the right coverage. Coverage Highlights and Advantages Insurance Agents and Brokers Professional Liability Insurance Coverage Features: Broad Professional Services Definition Duty to Defend Insured’s Written Consent Required for Settlements 50/50 Soft Hammer Clause Mutual Selection of Defense Counsel Coverage Extensions: Disciplinary Proceedings Reimbursement Loss of Earnings and Expense Reimbursement Subpoena Legal Expense Spousal/Domestic Partner/Estates/Legal Representative Liability Breach of Privacy and Security Intellectual Property Rights Infringement Personal Injury and Punitive Damages Final Adjudication and Severability for Fraud Claims Insolvency Exclusion Carve-Back for B+ or Better Insurers and Government Guarantee Funds Carve-Backs for Securities, ERISA, and Patent Exclusions 60-Day Automatic Extended Reporting Period Mediation Credit and Application Severability Bi-Lateral Extended Reporting Period (up to 5-year tail or unlimited for retiring sole proprietors) Optional Enhancements Available: Aggregate Retentions First Dollar Defense Additional Defense Limit of Liability Continuity of Coverage Cyber/Privacy and Security Coverage Underwriting Notes and Minimum Premiums Capitol Special Risks offers flexible underwriting with access to multiple carriers. Minimum premiums vary depending on risk size, exposure, and coverage options. This non-admitted program gives you access to customized solutions unavailable in the standard market. Fast turnaround is standard, and Capitol never charges broker fees, making this an efficient and cost-effective option for your clients. Territories and Availability This program is available in all 50 states, including DC. No matter where your client is located—from California to New York, Florida to Alaska—Capitol has you covered. Why Work With Capitol Special Risks? With over 30 years of expertise in professional liability, Capitol Special Risks is a trusted wholesale broker that understands the unique exposures faced by insurance professionals. Their responsive team, efficient quoting process, and access to top-rated, specialty carriers make them a reliable partner for agents and brokers nationwide. Whether you're placing coverage for your own agency or helping a client with complex E&O needs, Capitol Special Risks provides the tools, expertise, and flexibility to get the job done right—and fast. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for insurance agents, brokers, MGAs, MGUs, reinsurance intermediaries, TPAs, and similar professionals in the insurance distribution chain. Is this program available in all states?Yes, Capitol Special Risks offers this E&O program in all 50 states, including the District of Columbia. Does the program offer an Extended Reporting Period?Yes, a 60-day automatic ERP is included, with options to purchase up to a 5-year tail or unlimited ERP for retiring sole proprietors. Are cyber/privacy coverages included?Cyber/privacy and security coverages are available as optional enhancements to the core policy. Is there a minimum premium for this coverage?Minimum premiums vary by risk profile, but Capitol offers competitive pricing and fast quotes tailored to your client’s needs. Need help placing an account? Connect with a market specialist.

Overview — Insurance Agents & Brokers E&O Preferred Concepts LLC offers access to a dedicated Insurance Agents and Brokers Errors & Omissions (E&O) program through Mercator Risk Services. This wholesale placement option is designed for independent agents and brokers who need professional liability protection for mistakes, omissions, and disputed professional services. Mercator places coverage with various admitted and non-admitted markets, providing flexibility for routine and more complex accounts. Target Classes and Ideal Accounts Retail agents and brokerage firms Wholesale and surplus lines brokers Specialty operations and niche producers Underwriting managers and managing general agencies (MGAs/UGAs) Life and group health agents/brokers Reinsurance brokers Mercator also has appetite for hard-to-place, distressed, or unusual accounts. If you have a client with prior losses, unique distribution channels, or unusual exposures, Mercator’s underwriting team can evaluate those situations and provide options. Coverage Highlights and Advantages Professional liability (E&O) coverage tailored to insurance producers and broker errors/omissions. Limits available up to $5,000,000 on a primary basis, with additional limits offered on an excess basis. Access to multiple markets through a wholesale broker relationship—helpful when admitted markets are limited or a specialty appetite is required. Flexibility to consider non-standard and higher-exposure risks that may be declined elsewhere. Underwriting Notes and Minimum Premiums Underwriting is handled by Mercator Risk Services and is evaluated on a case-by-case basis. Minimum premium levels and deductible amounts depend on the size and type of the firm, its loss history, product lines, and overall exposure. Typical submission materials that speed placement include: Completed E&O application Recent loss runs and claims history Summary of operations, revenue, and staff/producer counts Details on any prior disciplinary actions or regulatory issues Territories and Availability This program is available across a broad set of U.S. jurisdictions: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Why Work With Preferred Concepts LLC on This Program Wholesale distribution: Preferred Concepts connects you to Mercator’s program markets and underwriting expertise. Specialty handling: Mercator’s team is experienced placing unusual, higher-exposure, or hard-to-place producer E&O risks. Limits and structure: Capacity to place larger limits on a primary basis and to arrange excess layers when needed. Example Scenarios You have a regional retail agency looking for a $1M/$2M professional liability program after a client dispute — this program can provide tailored primary limits and access to excess capacity. A wholesale broker with complex surplus lines placements has a prior loss on file and needs an E&O solution; Mercator will consider the account and work to place it rather than decline up front. For placement assistance or to discuss a submission, contact Mercator Risk Services by phone at (860) 527-9717 or by e-mail at [email protected]. Additional program materials and applications are available on Mercator’s website: www.mercatorpro.com. Frequently Asked Questions What types of producer accounts are a good fit for this E&O program?The program fits retail and wholesale agents, specialty producers, MGAs/UGAs, life/group health brokers, and reinsurance brokers — including accounts that other markets may consider hard to place. What limits and policy structure are available?Primary limits are available up to $5,000,000, with additional excess capacity available. The final structure depends on underwriting review and carrier appetite for the specific account. How is pricing and minimum premium determined?Minimum premiums and deductibles are determined by firm size, type of business, exposure profile, and loss history. Mercator evaluates each submission to provide a tailored quote. What information should I include with a submission?Include a completed E&O application, recent loss runs, a description of operations/revenues, and any relevant regulatory or disciplinary history to help expedite underwriting. Can this program handle accounts with prior losses or unusual exposures?Yes. Mercator explicitly handles hard-to-place, distressed, and unusual accounts and will review submissions that many standard markets decline. Need help placing an account? Connect with a market specialist.