Who is your carrier partner?

Zurich is our carrier partner. We selected Zurich since we were aligned with them in all aspects of the relationship, from underwriting appetite to streamlining the experience for brokers.

What paper company do you use?

Zurich American Insurance Company (A+ rated paper*). At this point, we only offer admitted paper as an option; we do not quote on surplus lines yet.

What are the top coverage highlights?

We have a very competitive form - the following enhancements may be added, subject to underwriting: no settlement/ hammer clause for D&O and 90/10 for EPL; defense outside the limits (available in most industries), wage and hour coverage (available in most industries), retention reduction of 10% when the insured accepts the first settlement opportunity.

What is your appetite?

Send us all your submissions.

Are there any areas where you decline?

Send us all your submissions.

Do you have minimum premiums?

We go as low as $750 for most states and $1,000 in CA (for both D&O and EPL).

What retentions do you offer?

We offer very competitive retentions - as low as $2,500 for private company D&O and $2,000 for EPL. When we begin to offer non-profits, we can go as low as $1,000 retentions for D&O (still $2,000 for EPL).

What risk management tools will you have?

We have a pre-claims hotline (D&O and EPL), checklists for common issues (like vaccines in the workplace), templates for things like employment applications, and targeted training sessions. As we get into 2022, we will begin to release other items such as the Coalition Risk Assessment (including Exec Risks) and other unique features like ADA website compliance testing.

Do you consider accounts with claims?

We of course prefer the clean risks, but we can consider accounts with claims. The best fit for us are closed claims with losses below the retention, but we can consider paid claims above the retention.

*Rating as of September 30, 2021. A.M. Best’s Ratings are under continuous review and subject to change and/or affirmation. For the latest Best’s Ratings and Best’s Company Reports (which include Best’s Ratings), visit the A.M. Best website at www.ambest.com. The rating represents the overall financial status of the individual member companies of Zurich in North America, including Zurich American Insurance Company, and is not a recommendation of the specific policy provisions, rates or practices of each issuing insurance company.

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