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MCGOWAN, DONNELLY & OBERHEU, LLC Professional Liability Insurance Eligible Classes: Accountants Architects & Engineers Environmental / Pollution Liability Excess Liability Financial Services Insurance Agents & Brokers Lawyers Media Medical Misc. Errors & Omissions Real Estate Errors & Omissions Professional Liability Insurance Solutions from The McGowan Companies The McGowan Companies, through McGowan, Donnelly & Oberheu, LLC, offers a robust Professional Liability Insurance program tailored to help insurance agents and brokers secure coverage for a wide range of professional service providers. As a trusted wholesale broker, we provide access to competitive and comprehensive E&O and professional liability solutions across multiple industries, helping you meet the diverse needs of your clients. Ideal Accounts and Appetite Our Professional Liability Insurance program is designed for a broad spectrum of professional classes. Targeted industries include: Accounting firms, including solo CPAs and multi-partner firms Architects and engineering firms of various sizes Law firms seeking tailored malpractice coverage Medical professionals and healthcare-related service providers Environmental consultants and contractors needing pollution liability Real estate professionals, including brokers and appraisers Insurance agents and brokers looking for E&O coverage Media and advertising professionals with intellectual property exposures Financial service providers, including investment advisors Miscellaneous professional services not otherwise classified If you have a client offering professional services with liability exposure from errors, omissions, or performance failures, this program can help you place that business. Coverage Highlights and Advantages Primary and excess limits available to meet varying risk profiles Access to a wide range of carriers (varies by class and jurisdiction) Coverage tailored to each profession’s unique exposures Optional endorsements and extensions available depending on class Whether your client is a solo architect needing basic E&O protection or a regional law firm requiring layered excess coverage, we can help you secure the right policy structure. Underwriting Notes and Minimum Premiums Underwriting is flexible across a broad appetite, though accounts should demonstrate professional licensing, sound risk management practices, and minimal prior claims activity. While minimum premiums vary by class and carrier, we work with you to find options that balance cost and coverage effectively. Territories and Availability Our Professional Liability Insurance program is available in most states, including 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...VT, VA, WA, DC, WV, WI, and WY. Most offerings are admitted in these states, though availability may vary by class and carrier. Why Work With The McGowan Companies The McGowan Companies bring decades of experience and specialized underwriting knowledge across professional liability lines. As a wholesale broker, we provide agents and brokers with the tools and market access needed to place difficult or specialty risks with confidence. Our dedicated team will assist you throughout the quoting and binding process to help you deliver strong solutions to your insureds. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for professional service providers such as accountants, architects, lawyers, medical professionals, insurance agents, and real estate brokers. Are both primary and excess limits available?Yes, we offer both primary and excess liability coverage to meet varying client needs. Which states is this program available in?This program is available in most U.S. states, including CA, TX, FL, NY, and many others. Please contact us for specific state availability. Can this program cover environmental or pollution liability?Yes, environmental and pollution liability coverage is available for qualifying accounts within our appetite. Do you offer admitted products?Yes, admitted products are available in most states, depending on class and carrier. Need help placing an account? Connect with a market specialist.

MCGOWAN, DONNELLY & OBERHEU, LLC Architects Professional Liability Insurance Overview of the Program from The McGowan Companies The McGowan Companies offers a comprehensive Architects Professional Liability Insurance program designed specifically for design professionals and engineering firms. This program helps protect your clients against the complex risks associated with professional services in the construction and design industry. Whether your client is a civil engineer, architect, construction manager, or part of a design/build firm, this program delivers tailored coverage backed by specialized underwriting expertise and access to top-tier carriers. Ideal Accounts and Appetite This program is a strong fit for a wide range of design and engineering professionals, including: Civil Engineers Construction Managers Design / Build Firms Electrical Engineers Forensic Engineers Geotechnical Engineers Landscape Architects Land Surveyors Structural Engineers You might have a client who is part of a multidisciplinary design/build firm working on mid-sized commercial developments, or an independent civil engineering consultancy engaged in municipal infrastructure projects—both would be strong candidates for this program. Coverage Highlights and Advantages Professional & Management Liability coverage tailored to design professionals Primary and Excess limits available to suit varying risk profiles Access to a range of carriers, allowing for flexibility in pricing and terms Coverage options that respond to claims due to errors, omissions, or professional negligence This program is designed to offer peace of mind to professionals responsible for critical design decisions, helping them manage exposures that could lead to costly litigation or project delays. Underwriting Notes and Minimum Premiums The McGowan Companies works with a variety of carriers and underwriters to provide flexible solutions for a wide range of account sizes and risk profiles. While minimum premiums may vary, the program is structured to be accessible to both small firms and larger practices with more complex exposures. Submissions with complete applications, detailed project listings, and a good claims history will receive the most competitive terms. Territories and Availability This Architects Professional Liability Insurance program is available in all 50 states and the District of Columbia, making it easy for you to place business regardless of where your client is located. Coverage availability may vary by carrier and is offered on both admitted and non-admitted paper depending on the specific risk and jurisdiction. Why Work With The McGowan Companies As a leading wholesale broker, McGowan, Donnelly & Oberheu, LLC provides access to broad markets and deep industry expertise. Their team understands the unique needs of design professionals and offers responsive service, competitive pricing options, and reliable support throughout the underwriting process. Partnering with McGowan ensures that your clients receive tailored solutions backed by a team that prioritizes your success. For more information on Architects Professional Liability Insurance, please contact us! Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for civil engineers, architects, construction managers, design/build firms, and other design professionals involved in planning or managing construction projects. Is coverage available in all states?Yes, the program is available in all 50 states and the District of Columbia, with coverage offered through various admitted and non-admitted carriers. What limits are available under this program?Both primary and excess liability limits are available, providing flexibility to meet the needs of small firms and larger organizations alike. Can I submit accounts with prior claims?Yes, submissions with prior claims will be considered. A detailed explanation of the claims and current risk controls will help in the underwriting process. What information is needed to get a quote?A completed application, project lists, and loss history are typically required to receive a quote. Additional documentation may be requested based on the complexity of the account. Need help placing an account? Connect with a market specialist. ...

Surveyors and Contractors Professional Liability Insurance Alexander J. Wayne & Associates, Inc. provides wholesale access and underwriting expertise for Surveyors and Contractors Professional Liability Insurance. Our program is structured to help retail agents place both routine and hard-to-place A&E and construction-related professional liability accounts. We offer flexible solutions including first-party professional liability and extensions to protect insureds for third-party and vicarious liability arising from professional subcontractors. Overview of the Program This program is built for design professionals and construction-related firms that need professional liability protection beyond standard general liability. Coverage can be tailored to include architects, engineers (civil, structural, mechanical, electrical, process, geo-technical), land surveyors, construction managers (both at-risk and agency), and firms that use professional subcontractors. We place business with admitted and surplus (non-admitted) markets through multiple carriers to broaden placement options. Ideal Accounts and Appetite Small to mid-size design firms and solo practitioners Multi-discipline firms with engineering and surveying services Construction managers and design-build contractors providing professional services Projects with specialty exposures such as dams, bridges, mines, petroleum/pipeline, and condominium developments New ventures and firms with prior loss history that need tailored underwriting Coverage Highlights and Advantages First-party professional liability for negligent act, error, or omission in the performance of professional services. Options to extend coverage to third parties and to provide vicarious liability protection for designated professional subcontractors. Capacity across admitted and surplus lines carriers to improve placement success for more complex or higher-risk accounts. Ability to consider accounts with adverse loss history, specialty project exposures (nuclear, petroleum, heavy civil), and non-standard organizational structures (solo firms, new ventures). Experienced underwriting that understands contractual risk transfer, design-build relationships, and construction manager exposures. Underwriting Notes and Minimum Premiums Underwriting looks at firm discipline mix, revenue by service line, project types, claims history, contract language, and use of subcontractors. Common submission materials include a current proposal or application, professional services agreement(s), and loss runs when available. Minimum premium varies by carrier and state; please indicate budget expectations on the submission so we can align markets appropriately. Territories and Availability This program is available in the following 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..., TX, UT, VT, VA, WA, DC, WV, WI, WY. We place business in admitted and surplus markets depending on the account’s characteristics and the carrier appetite. Why Work With Alexander J. Wayne & Associates, Inc. Wholesale broker access to multiple admitted and surplus carriers specializing in A&E and construction professional exposures. Hands-on underwriting guidance to position difficult accounts and clarify risk transfer concerns. Flexibility to consider non-standard risks (adverse loss history, high-hazard projects, solo practitioners, design/build work). Fast, practical feedback to help you manage client expectations and find the most appropriate market fit. Example scenarios that fit this program You have a mid-size civil/structural firm doing bridge rehabilitation work that needs vicarious coverage for geotechnical subcontractors — we can package coverage with markets that accept heavy-civil exposures. You place a construction manager acting in a design-build role on a condominium development with multiple professional subcontractors — we can pursue combined professional liability terms with vicarious extensions. Frequently Asked Questions What types of accounts are a good fit for this program?Design professionals (architects, engineers, surveyors), construction managers, and contractors providing professional services—especially accounts with subcontracted professional work, design-build relationships, or specialty project exposures—are a good fit. Are both admitted and surplus markets available?Yes. We work with multiple admitted and surplus (non-admitted) carriers to provide placement options based on the account’s risk profile and state filing requirements. What submission materials do you typically need?Provide a completed application or proposal, descriptions of services and project types, copies of standard professional contracts, and loss runs if available. Indicate any specialty exposures (e.g., petroleum, nuclear, dams) up front so we can target appropriate markets. Can the policy cover liability arising from subcontractors?Yes. The program can include extensions for third-party and vicarious liability for professional subcontractors where markets allow; specific wording and limits vary by carrier. What should I expect for minimum premium and pricing?Minimum premium varies by carrier, state, and risk characteristics. Tell us the client’s revenue, project types, and loss history and we’ll match the account to markets that fit the budget and coverage needs. Need help placing an account? Connect with a market specialist.

MCGOWAN, DONNELLY & OBERHEU, LLC Allied Medical Professional Liability Insurance Overview of the Program From The McGowan Companies The McGowan Companies, through MCGOWAN, DONNELLY & OBERHEU, LLC, offers a robust Allied Medical Professional Liability Insurance program designed for a broad range of healthcare professionals and facilities. As a wholesale broker with access to a variety of markets, McGowan can help you place complex or hard-to-insure medical accounts with confidence. Whether your client is a solo practitioner, a specialty clinic, or a large healthcare facility, this program provides flexible and tailored solutions to address evolving professional liability risks in the medical industry. Ideal Accounts and Appetite This program targets a wide array of allied healthcare providers, including both standard and hard-to-place risks. Eligible classes include: Ambulance Services Blood & Tissue Banks Clinical Research & Trials Clinics and Physician Groups CRNAs, Nurses, and Physical Therapists Counselors and Mental Health Facilities Dentists and Surgeons (hard-to-place) Home Healthcare Agencies Hospitals and Medi Spas Pharmacies Physicians (hard-to-place) If you have clients with prior claims, licensing issues, or unique practice models, this program may offer a viable solution where standard markets fall short. Coverage Highlights and Advantages The Allied Medical Professional Liability program includes: Professional & Management Liability coverage Primary and Excess Limits available to meet varying risk profiles Access to both admitted and non-admitted carriers, depending on the state Solutions for hard-to-place medical professionals and facilities This program helps protect your clients from claims arising from professional negligence, errors and omissions, and management decisions within the scope of healthcare services. Underwriting Notes and Minimum Premiums Underwriting is flexible, with a focus on understanding the unique risk profile of each applicant. While minimum premium information is not specified, accounts are assessed based on size, services provided, claims history, and jurisdiction. McGowan’s team works closely with agents to structure appropriate solutions for both standard and distressed risks. Territories and Availability The Allied Medical Professional Liability Insurance program is available in most states, including 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..., VT, VA, WA, DC, WV, WI, and WY. Admitted options are available in many of these jurisdictions, with non-admitted placements offered as needed. Why Work With The McGowan Companies As a trusted wholesale broker, The McGowan Companies bring deep expertise in the healthcare liability space. Their access to a variety of carriers, responsiveness, and ability to craft customized solutions make them a valuable partner for agents placing complex medical liability risks. Whether you're working with a newly formed clinic or a high-exposure facility with a challenging claims history, McGowan can help you find the right fit. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for allied healthcare providers, including clinics, physician groups, CRNAs, medi spas, home healthcare agencies, and hard-to-place risks like surgeons or physicians with prior claims. Can this program handle accounts with prior claims or licensing issues?Yes, McGowan specializes in underwriting hard-to-place healthcare providers, including those with prior claims history or regulatory concerns. Are both primary and excess limits available?Yes, the program offers both primary and excess liability coverage options to meet a wide range of client needs. Is this program available in my state?The program is available in most U.S. states. Contact McGowan for specific availability and carrier options in your state. What carrier markets does McGowan work with for this program?McGowan has access to a variety of carriers for this program. Carrier selection may vary by state and account profile. Need help placing an account? Connect with a market specialist.

Professional Liability Insurance Program from Ashley General Agency Ashley General Agency provides a flexible Professional Liability Insurance program to help agents and brokers place a wide range of professional risks in Texas. Our program is set up to handle accounts from solo practitioners to mid-size firms across specialized professions, with solutions that address errors & omissions, data exposures, and other professional service-related liabilities. Ideal Accounts and Appetite We write a broad spectrum of professional service classes, including harder-to-place and niche risks. Target classes include: Miscellaneous professional service providers (consultants, advisors) Independent medical professionals and small clinics Technology consultants, managed service providers, and software firms Architects and engineers Insurance agents and brokers Law firms and solo legal practitioners Businesses with exposures for data privacy and breach response For select classes we will consider combination forms that include both professional and general liability coverages. Example: If you represent a small IT consulting firm that handles client data and provides remote support, our Technology E&O plus Data Breach response options can help address both liability for professional errors and the costs associated with a privacy incident. Coverage Highlights and Advantages All policies are written on a claims-made basis with options tailored to the class of business. Available coverages include: Miscellaneous Professional Liability Miscellaneous Medical Liability Technology Errors & Omissions (Tech E&O) Architects & Engineers Professional Liability Data Breach and Cyber Incident Response Coverage Insurance Agents & Brokers E&O Lawyers Professional Liability Limits are available up to $5,000,000 to accommodate larger or more complex exposures. Underwriting Notes and Minimum Premiums Our underwriting approach is responsive and pragmatic. We work with a strong panel of non-admitted markets, including Markel, ACE, Admiral, and Underwriters at Lloyd’s, which helps us place accounts that may not fit admitted markets. Minimum premiums start at $500, offering an accessible entry point for smaller firms and individual professionals. Territories and Availability This Professional Liability Insurance program is available in Texas and is placed on a non-admitted (surplus lines) basis. Why Work With Ashley General Agency? As a Managing General Agency, Ashley General Agency combines specialty underwriting expertise with direct access to leading surplus lines carriers. We emphasize fast service, practical coverage solutions, and strong broker support—helping you place straightforward accounts quickly or develop tailored terms for more complex risks. Frequently Asked Questions What types of accounts are a good fit for this program?We’re a strong market for professional service firms such as consultants, IT providers, architects, engineers, lawyers, and insurance agents operating in Texas. Are combination policies available?Yes, for select classes we can consider combination forms that include both professional and general liability coverage. What is the minimum premium for this program?The minimum premium starts at $500, making it suitable for small businesses and individual professionals. Is this program admitted or non-admitted?The program is written on a non-admitted basis using carriers such as Markel, ACE, Admiral, and Lloyd’s underwriters. What is the coverage limit available?We offer coverage limits up to $5,000,000, depending on the class and underwriting criteria. Need help placing an account? Connect with a market specialist. ...

Overview — Capitol Special Risks: Professional Liability / Errors & Omissions Capitol Special Risks offers a wholesale program for Professional Liability (Errors & Omissions) coverage tailored for firms that provide professional services for a fee. As a wholesale broker with access to multiple admitted and non-admitted carriers, CSRisks helps independent agents place a wide range of professional classes with competitive turnaround and no broker fee. Ideal accounts and target classes This program is focused on small to mid-size professional firms and individual consultants. Typical appetites include (but are not limited to): Adjusters and claims administrators Benefit plan administrators / third-party administrators Bookkeepers, tax preparers and payroll services Collection agencies and credit bureaus Consultants of all types (business, IT, management) Electronic data processing / IT firms Employment and executive search agencies Freight managers and logistics consultants Interior decorators (non-structural), public relations firms, title agents, travel agents/tour operators, trustees Coverage highlights and advantages Broad E&O coverage forms tailored to professional exposures common in non-technical and administrative specialties. Access to multiple markets to achieve competitive pricing and tailored terms for differing risk profiles. Fast turnaround on submissions; underwriters experienced with small and mid-market professional accounts. No broker fee charged by Capitol Special Risks, which helps preserve competitive commission structures for retail agents. Ability to place admitted paper in some states as well as excess and surplus lines where appropriate. Underwriting notes and typical fit / restrictions Underwriters evaluate professional liability submissions based on the nature of services, size of firm, claims history, and risk controls. This program generally fits firms with clear scopes of engagement, documented procedures, and modest revenue or payroll levels. Accounts that often fit well include consultants, administrative service providers, bookkeeping/tax practices, and small IT vendors. Accounts with extensive design exposure, large professional staff counts, significant prior claims, or specialized high-severity professional exposures may require referrals or be outside typical appetite. Minimum premiums and terms vary by carrier and class; please see the Underwriting Checklist below when preparing submissions. Submission guidance Include a one-page summary of operations describing services provided, typical clients, and annual revenue. Provide prior acts and claims history for the past 5–10 years, depending on carrier request. Attach specimen contracts or engagement letters where available (these often affect coverage terms). Indicate desired limits, retention, and whether continuity of coverage or retroactive dates are required. Territories and admitted status Capitol Special Risks places business with multiple markets and has availability in the following states: 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... TN, TX, UT, VT, VA, WA, WV, WI, WY. Some admitted markets are available depending on state and class; non-admitted markets may be used where necessary to place coverage. Why work with Capitol Special Risks on E&O placements? Wholesale broker access to multiple E&O carriers—helps you secure competitive terms for diverse professional classes. Experienced underwriting team that understands common exposures for administrative, consulting, and technical service providers. Fast quote turnaround and no broker fee—streamlines the placement process for retail agents and their insureds. Example account scenarios Example 1: You have a small payroll and bookkeeping firm with $500K annual revenue and no prior claims. This program can offer customized E&O limits and favorable deductibles for that profile. Example 2: You represent a travel agency and tour operator that sells packages to consumers. The program can provide E&O coverage tailored to service errors, booking mistakes, and administrative mistakes that lead to customer losses. Contact Capitol Special Risks today for submission instructions and carrier appetite guidance. Fast turnaround and we never charge a broker fee! In CA, Capitol Special Risks, Inc. dba: Capitol Special Risks Insurance Service - CA Fire & Casualty Agency - #0C46094 Frequently Asked Questions What types of accounts are the best fit for this Professional Liability program?The program is designed for small to mid-size professional service providers—consultants, bookkeepers/tax preparers, TPAs, collection agencies, IT/EDP firms, PR firms, travel agents, title agents and similar classes. Firms with clear scopes of work, modest revenue, and limited prior claims typically place most smoothly. Are admitted policies available or is this E&O placed only in the surplus market?Capitol Special Risks works with multiple markets and can place both admitted and non-admitted paper depending on state, class, and carrier appetite. Some admitted markets are available in the states listed; non-admitted capacity is used when needed for coverage or terms. What is the typical minimum premium and turnaround time for quotes?Minimum premiums vary by carrier and the insured’s class of business. Turnaround is generally quick for standard risks—submit a short operations summary, revenue, staffing, and any claims history to receive an initial indication. What submission documents should I include to speed up underwriting?Provide a one-page operations summary, current revenue and staff counts, prior professional liability claims history, and sample engagement contracts or client agreements when available. These items help underwriters assess scope of services and quote accurately. Need help placing an account? Connect with a market specialist.

Mercer Consumer has long supported architects and engineers in delivering professional construction designs, managing complex projects, and providing expert consulting services. We understand that the same level of precision and professionalism applied to your clients' work should also be reflected in their insurance protection. Our Architects and Engineers Professional Liability Insurance program is designed to help insurance agents and brokers place coverage that meets the unique risks associated with design professionals. Whether your clients are solo practitioners or mid-sized firms, this program offers solutions tailored to their professional exposures. Mercer Consumer currently serves over 1,500 design firms and is the exclusive administrator of the professional liability program for the American Society of Mechanical Engineers (ASME). We also serve members of other top-tier professional associations such as IEEE, demonstrating our deep experience and strong relationships in the engineering and architecture sectors. Available on an admitted basis in all states except AK, LA, VT, and WY. For those states, we offer alternate options to ensure comprehensive coverage access. Coverage is underwritten by Beazley, a recognized leader in specialty insurance, and is distributed through Mercer Consumer as a trusted Managing General Agency (MGA). Ideal Accounts and Appetite This program is ideal for licensed design professionals and firms involved in: Architecture and landscape architecture Civil, structural, mechanical, and electrical engineering Interior design and urban planning Project management and construction consulting You might have a client who’s a mechanical engineering firm working on energy-efficient HVAC systems or a mid-sized architecture firm focused on commercial retail spaces—both are strong candidates for this program. We also welcome risk-conscious firms that participate in peer review or maintain formal QA/QC procedures. Coverage Highlights and Advantages This professional liability program provides: Protection against claims related to design errors, omissions, and negligent professional services Coverage tailored to the specific services offered by the insured Access to risk management tools and expert claims handling Optional coverage enhancements based on firm size and specialty Our long-standing partnerships with engineering associations allow us to offer specialized benefits not found in many general market offerings. Underwriting Notes and Minimum Premiums Premiums are determined based on each firm’s risk profile, including services offered, project types, revenue, and claims history. There is no set minimum premium, allowing flexibility for small firms and startups. Our underwriters evaluate each submission on its individual merits, helping you find competitive solutions for a wide range of accounts. Territories and Availability This program is available in most U.S. states. We offer admitted coverage in all states except Alaska, Louisiana, Vermont, and Wyoming, where we can provide alternative options through our network. Our expansive availability allows agents to confidently place coverage for clients across the country. Why Work With Mercer Consumer? Mercer Consumer brings more than 25 years of experience in providing professional liability insurance to architects and engineers. As a managing general agency with exclusive programs and a strong carrier partner in Beazley, we offer agents a reliable, knowledgeable, and responsive placement partner. Our association relationships and specialized underwriting give you an advantage when serving design professionals. Frequently Asked Questions What types of accounts are a good fit for this program?Licensed architects, engineers, interior designers, and project managers—especially those working with commercial, residential, or infrastructure projects—are strong candidates. Is this coverage available nationwide?Yes, the program is available in most states on an admitted basis, except in AK, LA, VT, and WY, where alternative solutions are offered. Who underwrites this Architects and Engineers Professional Liability program?The coverage is underwritten by Beazley, a respected carrier known for its expertise in professional liability. Is there a minimum premium requirement?No, there is no set minimum premium. Pricing is based on each firm's individual risk characteristics. What association partnerships does Mercer Consumer have?Mercer Consumer exclusively manages the professional liability program for ASME and supports members of other associations like IEEE. Need help placing an account? Connect with a market specialist. ...

Overview of the Program From Eastern Special Risk Insurance Agency Eastern Special Risk Insurance Agency offers a focused Forensic Professional Liability program designed for part- and full-time forensic experts. This program places professional liability coverage (post-occurrence exposures only) through Lexington Insurance Company, with limits available up to $1,000,000 per claim / $3,000,000 aggregate. It is built for agents who need a straightforward market for forensic and technical experts with competitive pricing and low minimums. Ideal Accounts and Appetite This program targets practicing forensic professionals and expert witnesses across most technical and medical classes. Typical classes that fit well include: Engineers Accident reconstruction specialists Physicians Surgeons Dentists Insurance industry experts Most other professional classifications providing expert services Accounts with clear, documented expert credentials and a history of retained expert work are preferred. The program is not intended for firms that require broad package forms (GL/PL combined) or for high-frequency expert placements without individual underwriting review. Coverage Highlights and Advantages Professional liability only — tailored to expert witness and forensic exposures. Post-occurrence exposures only, with limits available up to $1M/$3M. Access to Lexington Insurance Company capacity through Eastern Special Risk Insurance Agency. Designed for part-time and full-time experts; flexible for single-expert practices or small groups. Competitive pricing with relatively low minimum premiums for eligible accounts. Underwriting Notes and Submission Guidance Underwriting focuses on the expert’s background, scope of expert services, fee structure, and claims history. Typical items to include with a submission are a brief application or cover letter outlining services, CVs or résumés for the experts, and current loss runs or claims history where applicable. Because this program provides post-occurrence exposures only, discuss prior acts/retro date requirements with underwriting at placement. Accounts with ongoing high-volume forensic placements or those requiring coverage beyond professional liability (for example, general liability or cyber) will generally need alternate placement or a supplemental market. Territories and Availability This program is available in the states listed with the storefront and through Eastern Special Risk Insurance Agency’s wholesale distribution. Please confirm state availability for a specific account at submission; underwriting and state filing considerations may apply. Why Work With Eastern Special Risk Insurance Agency on This Business Eastern Special Risk Insurance Agency combines targeted underwriting for forensic professionals with access to Lexington Insurance Company’s capacity. That pairing makes it a practical option for agents seeking a specialized professional liability market for expert witnesses and forensic consultants. The program’s underwriting is pragmatic and service-oriented, which helps move placements efficiently for qualified accounts. Example Account Scenarios You have a civil/forensic engineer who provides accident reconstruction and expert testimony on a part-time basis. They need professional liability limits and prefer an occurrence-oriented placement. This program is a strong fit. A dental expert witness with several retained cases per year wants standalone professional liability coverage with competitive premiums and limits to $1M/$3M — this program can be presented for placement consideration. Frequently Asked Questions What types of accounts are a good fit for this Forensic Professional Liability program?Independent experts and small practices that provide forensic opinions or expert witness services — engineers, accident reconstruction specialists, physicians, dentists, and similar professional classes. The program is best for accounts seeking professional liability only and occurrence/post-occurrence exposures. What limits and forms are available?Limits are available up to $1,000,000 per claim / $3,000,000 aggregate. Coverage is professional liability only and written for post-occurrence exposures. Contact underwriting for specific form language and options. What submission materials does Eastern Special Risk typically request?Provide a short application or cover letter describing services, CVs or résumés for the experts, and current loss runs or a claims history summary if available. Additional documents may be requested based on the scope of services and prior exposure. Is this program available nationwide?The program is available in the states listed on the storefront. State availability can be confirmed at the time of submission; certain filings or state-specific requirements may affect placement. How do I get started with a submission?Send a summary of the expert’s services, CV, and any claims history to Eastern Special Risk Insurance Agency’s underwriting team. They will review eligibility and advise on next steps, terms, and any additional information needed for placement with Lexington Insurance Company. Need help placing an account? Connect with a market specialist. ...

MISCELLANEOUS PROFESSIONAL LIABILITY INSURANCE For NC and VA Agents Insurance Markets, Inc. (AIM) offers a flexible, competitively priced Miscellaneous Professional Liability (MPL) program for independent agents and brokers placing risks in North Carolina, Virg...A) Washington, D.C. (DC) Policies are written on a non-admitted basis through select carriers. Availability and carrier placement vary by class and risk profile. Why Work With Agents Insurance Markets, Inc.? AIM is a Managing General Agency focused on placing specialty professional liability risks that can be difficult to place in admitted markets. You get access to underwriting expertise, a broad appetite for miscellaneous classes, and carrier relationships that are often not available directly to retail agents. AIM emphasizes responsive service—fast quotes, clear underwriting guidance, and practical policy options—so you can close business and retain clients. Whether you’re submitting a first-time policyholder or an established business seeking better terms, AIM can help you secure tailored MPL coverage. Need help 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 who provide services but are not covered under traditional E&O policies—such as event planners, computer consultants, notaries, and pet groomers. Can this policy be packaged with other coverages?Yes. You can combine Miscellaneous Professional Liability with General Liability and Property under one policy for convenience and broader protection where appropriate. Is this program available in admitted markets?No. This MPL program is written on a non-admitted basis through a variety of carriers depending on class and coverage needs. Do you offer coverage for start-ups or newly formed businesses?Yes. AIM can consider new ventures and start-ups, subject to underwriting. Minimum premium and terms will vary by class and risk factors. How quickly can I get a quote?AIM prides itself on responsive service. Once you submit a completed application and supporting information, most quotes can be provided within a few business days. Need help placing an account? Connect with a market specialist.

Enhanced Miscellaneous Professional Liability Program NEW Lower minimum premiums NEW Expanded eligibility to over 300 classes of Professional Liability, including: Target Classes Include: Technology Risks Independent or Public Adjusters Home Inspectors Real Estate Appraisers Property Managers Employment/Staffing Agencies Event Planners Funeral Directors / Morticians Graphic Designers Payroll Service Providers Landscape Architects ...and many more. Call for details! Program Overview from U.S. Risk Insurance Group U.S. Risk Insurance Group, Inc. offers a flexible Miscellaneous Professional Liability program designed for agents and brokers placing service-based professionals whose exposures fall outside standard industry programs. With recent expansion to more than 300 eligible classes and more competitive entry pricing, this program helps you secure tailored errors & omissions protection for non-traditional professionals and small firms. Ideal Accounts and Appetite This program targets small- to mid-sized professional service firms across a broad mix of classes. It is a good fit when your client provides professional advice, reporting, inspection, placement, or administrative services to third parties and needs E&O protection. Typical accounts include consultants, home inspectors, adjusters, real estate appraisers, staffing agencies, event planners, and creative professionals such as graphic designers. Example placements: A sole-practitioner home inspector seeking a primary professional liability policy with modest deductible and flexible limits. A regional staffing agency that needs coverage for placement errors and payroll-administration services across multiple client industries. Coverage Highlights and Advantages Option to structure defense costs outside the policy limit Personal injury coverage included when tied to professional services Contingent bodily injury and property damage coverage available Limits available up to $5 million per claim and in the aggregate Deductibles starting as low as $1,000 Underwriting Notes and Minimum Premiums Minimum premiums now start at $1,000, improving accessibility for smaller firms and startups. U.S. Risk underwrites with an emphasis on class-specific exposures and will consider accounts that may be difficult to place through standard carriers. Required submission materials vary by class — include completed applications, recent loss runs, and any applicable service agreements for faster review. Most markets are offered non-admitted, with access to multiple carrier partners. Territories and Availability This Miscellaneous Professional Liability program is available in most U.S. states, including 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... WV, WI, and WY. Availability and admitted/non-admitted options may vary by state and class. Why Work With U.S. Risk Insurance Group? U.S. Risk acts as a program administrator with deep experience in niche professional liability markets. They provide responsive underwriting, access to multiple carrier appetite options, and program structures designed for hard-to-place risks. Working with U.S. Risk gives you flexible policy features and service-oriented placement support when standard markets are limited. Frequently Asked Questions What types of accounts are a good fit for this program?This program is well suited for a wide range of service professionals, including consultants, home inspectors, adjusters, appraisers, staffing agencies, and many creative or administrative service providers. What is the minimum premium for this program?The minimum premium starts at $1,000, making it a competitive option for smaller and emerging businesses. Are defense costs included within the policy limits?Defense costs can be structured outside the policy limit if selected, which helps preserve limits for indemnity exposure. Is this program available in my state?The program is available in most U.S. states. State-specific availability and admitted versus non-admitted options depend on class and carrier. What limits and deductibles are available?Coverage limits are available up to $5 million per claim and in the aggregate, with deductibles starting as low as $1,000. Need help placing an account? Connect with a market specialist.