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...que risks of Bulk Liquid Storage Terminals – Operators, Suppliers, and Contrac...s program?This program is ideal for terminal operators, tank manufacturers, contractors...

...ck Cargo Drive Away Coverage Terminal Operations Hired & Non-Owned A...sses?Yes. We offer coverage for new operators and new ventures, including thos...

At Raley, Watts & O’Neill, we provide dedicated access to Professional Liability Insurance solutions for a broad range of service-based professionals in Maryland and South Carolina. We understand the exposures advisors, consultants, and fiduciaries face—one alleged error or omission can lead to a costly claim that threatens a professional’s career and personal assets. Our team works with brokers and agents to secure tailored coverage that fits each client’s services, risk profile, and budget. Ideal Accounts and Appetite This program is designed for professionals who provide advice, services, or act in a fiduciary capacity. Our appetite includes, but is not limited to: Consultants and business advisors Accountants and financial advisors Attorneys and legal professionals Real estate professionals and appraisers Architects and engineers Technology service providers Nonprofit organizations and their directors/officers We also place Employment Practices Liability Insurance (EPLI) for businesses with employees where wrongful termination, discrimination, or harassment claims may arise. Typical accounts we prefer are firms and individuals with clearly defined services, reasonable revenue levels for their class, and limited or well-explained prior loss activity. Coverage Highlights and Advantages Our professional liability solutions are structured to respond to both meritorious and frivolous allegations. Key coverage features commonly available include: Defense costs, including legal fees and court expenses Coverage for settlements and judgments Reimbursement for licensing board complaints and investigations Specialized extensions such as EPLI, Technology E&O, and D&O for nonprofits Example scenarios: you might have a technology consultant whose implementation leads to business interruption claims from a client, or a nonprofit director facing allegation of fiduciary mismanagement—these policies help protect against the legal and financial fallout. Underwriting Notes and Minimum Premiums Policies are customized to reflect the client’s profession, scope of services, contract language, and claims history. Underwriting typically requires a completed application, details of services, copies of contracts or engagement letters (when applicable), and loss runs. Minimum premiums vary by class and state; our underwriters can provide competitive options and guide you to appropriate limits and retentions. Territories and Availability This program is currently available in Maryland and South Carolina. Coverage is placed on a non-admitted basis to allow greater flexibility for specialized or hard-to-place professional risks that may not fit standard admitted markets. Why Work With Raley, Watts & O’Neill? As experienced insurance professionals, Raley, Watts & O’Neill combines focused underwriting knowledge with responsive broker support. We emphasize clear communication, prompt submissions handling, and access to carrier partners that understand professional exposures. Our goal is to help you place accounts accurately and efficiently—protecting your clients while keeping placements marketable. Professional liability exposures are complex and evolving. Let our team help you match the right form, limits, and endorsements to your client’s specific operations. Need assistance placing an account? Connect with a market specialist. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for professionals in advisory, consulting, engineering, legal, accounting, technology services, and nonprofit sectors. We also provide coverage options for EPLI and D&O exposures. Is this coverage available on an admitted basis?No, this program is placed on a non-admitted basis, which allows us to offer more flexibility for hard-to-place or specialized risks. Can professionals employed by a firm with malpractice insurance still benefit from individual coverage?Yes. Individual coverage ensures personal protection, especially if the employer’s policy has limitations or exclusions that may leave the individual exposed. What territories is this program available in?This professional liability program is currently available in Maryland and South Carolina. What documentation is needed to get a quote?Typically, we require a completed application, details about the professional services offered, claims history, and any existing insurance coverage. Our team will assist you throughout the process. Need help placing an account? Connect with a market specialist.

...ip Builders Stevedores Terminal Operators Barge Repairers Marine Co...

...ck Cargo Drive Away Coverage Terminal Operations Hired & Non-Owned A...sses?Yes. We offer coverage for new operators and new ventures, including thos...

...uding food/catering runs tied to terminal operations. For-hire shuttle ser...hat also delivers catering items to terminals. Cargo coverage with refrigerato...

...ners, marine repair contractors, terminal operators and other marine-related b...ers, boatyards, marine contractors, terminal operators, marinas, and commercial vessel ...

...adjoining areas (wharves, docks, terminals). We combine maritime underwriting ...struction, dock contractors, marine terminal operators and marine artisan contractors. ...

Overview of the Program From Sloan Mason Insurance Services, Inc. Sloan Mason Insurance Services, Inc. provides access to a competitive program for Electric Cooperatives, Cogeneration and Power Generation facilities, and contractors who service these industries. As a wholesale broker, Sloan Mason places business with a panel of various A-rated carriers and offers both admitted and non-admitted solutions where available. The program is designed for agents and brokers who need specialized underwriting capacity for generation risks, pollution exposures, and contractor services tied to power operations. Ideal Accounts and Appetite Rural and regional electric cooperatives that operate distribution and generation assets Cogeneration and combined heat-and-power (CHP) plants serving industrial or institutional sites Independent power producers and merchant generating facilities (non-nuclear) Contractors and service providers to the power sector (O&M contractors, electrical contractors, turbomachinery service providers) Facilities with onsite fuel storage, transformers/substations, switchgear, and associated pollution exposures Accounts with routine maintenance programs, formal loss control practices, and complete loss history are the best fit. High-hazard operations (for example, nuclear generation) are typically outside this appetite—please consult Sloan Mason underwriting for borderline risks. Coverage Highlights and Advantages Primary General Liability and Contractors Pollution coverages tailored for generation operations Commercial Auto for fleets serving generation and contracting operations Excess/Umbrella layers to provide broader limits above primary liability Property and Equipment Breakdown (available through select panel carriers) Business Income and Extra Expense for generation interruption scenarios Access to A-rated admitted markets where possible, with non-admitted capacity in most markets when needed Underwriters in the program understand the operational exposures unique to power generation and contracting, allowing for placement that reflects industry practice and risk management controls. Underwriting Notes and Minimum Premiums To obtain a full underwriting review and the best possible quote for Electric Cooperatives, Cogeneration and Power Generation Insurance, Sloan Mason requests the following: 5-year payroll history 5-year, currently valued carrier-issued loss runs (valuation date within 90 days of requested effective date) Completed ACORD applications and any program supplementals Minimum premiums (typical program thresholds) include: $15,000 for General Liability and Pollution $5,000 for Auto $7,500 for Umbrella Liability Actual premiums and retentions will vary by carrier, state, and individual account exposures. Territories and Availability This program is available in most U.S. states. States where coverage is commonly placed include: 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. Admitted options are available in many jurisdictions; non-admitted capacity is used where necessary to secure appropriate terms. Why Work With Sloan Mason on This Business Wholesale broker access to multiple A-rated markets, increasing placement flexibility Underwriting familiarity with generation, pollution, and contractor exposures Competitive program structure designed for complex energy sector risks Practical submission requirements to speed quoting and binding Example scenarios: You might have a rural electric cooperative seeking combined GL and pollution limits for a small diesel peaking plant and distribution operations, or a cogeneration plant at a manufacturing facility that needs property, equipment breakdown, and business income coverage after a recent equipment retrofit. Both are representative risks this program targets. Frequently Asked Questions What types of accounts are a good fit for this Sloan Mason program?Accounts that fit well include electric cooperatives, cogeneration and CHP plants, independent power producers (non-nuclear), and contractors who provide operations, maintenance, and electrical services to generation facilities. Best fits have formal maintenance programs and documented loss histories. What submission materials are required to get a meaningful quote?Sloan Mason asks for a 5-year payroll history, 5-year currently valued carrier loss runs (valuation within 90 days), and completed ACORD applications with any relevant supplementals. These items allow underwriters to assess operations and pricing accurately. Are admitted markets available through this program?Yes. Sloan Mason works with admitted A-rated carriers where available and uses non-admitted capacity in most markets when necessary. Availability depends on state regulations and each account’s exposures. What are the typical minimum premiums I should expect?Typical program minimums are shown as a guideline: $15,000 for General Liability and Pollution, $5,000 for Auto, and $7,500 for Umbrella Liability. Final premium requirements depend on the carrier and the specific account. Need help placing an account? Connect with a market specialist.