July 24, 2017

Universal Security Policy

Market Detail: Encompass Insurance’s ( Universal Security Policy combines customers’ personal lines insurance into one annual policy for their home, car, motorcycle, boat or other recreational vehicle, rental unit – and even a home-based business. Policy includes one insurance agent, one premium, one bill, one renewal date, and one deductible.

Available limits: As needed

Carrier: Encompass

States: All states except Alaska, Fla., Hawaii, Idaho, Miss., Mont, Neb., N.C., N.D., Okla., S.D., and Wyo.

Contact: Customer service at 847-402-5000


Market Detail: ProLawyer Insurance LLC, dba ProSpecialist Insurance Services, ( has been appointed with an A.M. Best “A” rated carrier for lawyers professional liability in the state of New York. This is an admitted product designed for law firms with one to 25 attorneys. Various limit of liability options available up to $5 million. Deductible options as low as $1,000 and first dollar defense available to qualifying firms.

Available limits: Minimum $250,000, maximum $5 million

Carrier: ProAssurance/Medmarc

States: N.Y only

Contact: Ashley Culin at:, or Ian Massaro at, or call 215-525-3293


Market Detail: The American Equity Underwriters Inc. (AEU) ( is the program administrator for a group self-insurance mutual fund based in Bermuda, which is authorized to provide USL&H by the Department of Labor. The group self-insurance mutual can provide employers’ liability protection (including incidental maritime employers liability) and is also authorized to provide defense Base Act, Outer Continental Shelf Lands Act, and Non-Appropriated Fund and Instrumentalities Act coverage.

Available limits: As needed

Carrier: U.S. Dept. of Labor Approved Self Insured Group

States: All states

Contact: Allison Crisafulli at 704-749-2857 or e-mail:

Homeowners – High Value

Market Detail: Market Search Insurance Services ( High Value Homeowners Insurance Program offers Coverage “A” value $500,000 and Up. Maximum Coverage “A” value $10 million and CPL limit $1 million available.

Available limits: Minimum $500,000, Maximum limit $10 million

Carrier: Unable to disclose, non-admitted

States: Calif. Only

Contact: Customer service at 888-273-0165

Lawyers Professional Liability

Market Detail: Target Professional Programs ( offers professional liability for law firms of all sizes, including part-time attorneys. EPLI for law firms also available. Standard and excess coverage from both admitted and non-admitted, A+ markets.

Available limits: As needed

Carrier: Various, admitted and non-admitted available

States: All states

Contact: Shawna Reidy at 331-333-8239 or e-mail:

Fire Burglar Medical Alarm Supression

Market Detail: Berrian Insurance Group ( writes more than 400 classes including: fire equipment distributors, fire & emergency apparatus dealers; fire extinguisher sales & services companies; restaurant & special suppression system contractors; fire alarm/burglar & security system installers; fire suppression contractors; security guard & patrol services; off-duty police officers; armored car services; medical alarms; private detective or investigative agencies; process servers; and monitoring, armed or unarmed, with or without animals.

Available limits: Minimum $1 million, maximum $10 million

Carrier: Various, admitted and non-admitted available

States: All states

Contact: Joel Berrian at 303-795-5831 or e-mail:

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Insurance Journal West July 24, 2017
July 24, 2017
Insurance Journal West Magazine

Excess, Surplus & Specialty Markets Directory, Volume II