American's Five Star Best Insurance Providers
American's Best Insurance Providers
5-Star Cannabis Insurers: High-grade providers
Brokers has named the insurers that are providing the best policies and service in a rapidly growing segment of the market as follows:
5-Star Cannabis Insurers
CannGen Insurance Services
Since 2008, CannGen Insurance Services, LLC “CannGen” has been a first mover providing comprehensive insurance coverages for the cannabis, CBD, and hemp industry nationwide. CannGen is the first Managing General Underwriter (MGU) exclusively focused on the legal cannabis industry and a pioneer in analyzing the unique exposures faced by the wide range of business operations in the space. With that knowledge and experience, we created customized policies geared specifically towards this industry with the intent of providing clear coverage terms at a fair rate. As these industries have grown, our broad suite of “seed to sale” insurance solutions have positioned us as the “go to” market for independent insurance agents and brokers.
Company Name: CannGen Insurance Services
Head Office Address: P.O. Box 1000, Rancho Cordova, CA 95741
Telephone No.: 888-751-3141
Email: marketing@canngenins.com
Website: www.canngenins.com
Amwins' NutraRisk Division
Company Name: Amwins' NutraRisk Division
Head Office Address: 725 S. Figueroa Street, 19th Floor, Los Angeles, CA 90017
Telephone No.: (213) 236-4566
Email: nutrainfo@nutrarisk.com
Website: nutrarisk.com
America's Best Wholesale Brokers and MGAs 2021
Retail producers has name the wholesalers and MGAs that stand out above the rest in 10 critical areas of service as follows:
America's Best Wholesale Brokers and MGAs 2021 5-Star Excellence Awards
Appalachian Underwriters
Appalachian Underwriters is a leading insurance wholesale outlet for agents looking to bring their clients a broad selection of products. Business Insurance has ranked us one of the nation’s largest MGAs. We specialize in Workers’ Compensation, Commercial Specialty, Personal Lines, and Brokerage.
Our one-stop approach allows you access to multiple carriers and products. We offer a wide range of services to help make Business Easy for you! We have created multiple exclusive Xpress Raters to quote online and an online agent portal with the ability to RATE, QUOTE and BIND, make online payments, and service existing clients with all of your documents readily available.
Head Office: 800 Oak Ridge Tpke, Ste A-1000 Oak Ridge, Tennessee 37830
Website: https://www.appund.com/
Breckenridge Insurance Group
Year Founded: 1981
Number of Offices: 12
Number of Employees: 65
Breckenridge Insurance Services is a national wholesale insurance brokerage/MGA delivering top-rated, competitive commercial coverage solutions. With more than three decades of providing responsive counsel and risk management insights, Breckenridge has become a recognized leader and trusted partner to valued agents and coveted carrier partners internationally. With significant in-house contract binding authority and expert brokers and underwriters spanning nearly all property and casualty, workers’ compensation and professional liability risks, we offer collaborative, comprehensive solutions.
Company Name: Breckenridge Insurance Services
Head Office Address: 245 TownPark Drive, Suite 200 Kennesaw, GA 30144
Telephone No.: 855-728-8822
Email: partner@breckis.com
Website: www.breckis.com
BTIS
Year Founded: 1998
Number of Offices: 1
Number of Employees: 179
BTIS is a financially stable, nationwide wholesale intermediary with a small business attitude, that believes in building and fostering solid relationships through communication and genuine concern for our customers. We offer a wide range of commercial lines and are focused on developing and implementing cutting edge technology to provide individual service, exceptional value, ease of use and rapid turn around times.
Founded in 1998 in Rocklin, California, Builders & Tradesmen's Insurance Services, Inc. (BTIS) is lead by Paul and Jeff Hohlbein. Originally built around a Small Artisan Contractor General Liability program, BTIS was focused on speed and ease of use for insurance producers. Innovative use of an online price indication system, quote and bind capability, and email correspondence paired with unparalleled customer service made for the fastest and simplest way for producers to quote and bind commercial accounts.
Company Name: BTIS
Head Office Address:
6610 Sierra College Blvd, Rocklin, CA 95677
Telephone No.: 855.359.5529
Email: insidesales@btisinc.com
Website: www.btisinc.com
Johnson & Johnson
Year Founded: 1930
Number of Offices: 13
Number of Employees: 416
We are an independent wholesale broker, serving insurance professionals throughout the United States. We wholeheartedly believe in our Mission Statement; we passionately provide insurance solutions and create life-long relationships! Our team of highly trained professionals are recognized as industry leaders. With a commitment to handle day-to-day business quickly and craft creative solutions for difficult accounts, we build long-term relationships with our agency and company partners.
Company Name: Johnson & Johnson
Head Office Address: PO Box 899, Charleston, SC 29402
Telephone No.: 800-487-7565
Email: marketing@jjins.com
Website: https://www.jjins.com/
Risk Placement Services
Year Founded: 1997
Number of Offices: 80+
Number of Employees: 3,000+
Founded as a scratch operation in 1997 with just four employees, Risk Placement Services has grown to be one of the largest specialty insurance distributors in the U.S., offering solutions in wholesale brokerage, binding authority, program administration, and standard lines, plus specialized auto through its Pronto Insurance brand. The firm’s online services include a quote-bind-issue platform that makes it possible for independent agents and brokers to come through for their clients with coverage in a matter of minutes. Fueled by a culture of creativity, innovation and teamwork, RPS continues to add top-tier talent to its roster of insurance specialists and growth through new merger partners, all with one central focus – providing insurance expertise and speed of service to its clients. To agents and brokers looking to cover what’s unique, what’s new and what’s next, RPS is your partner in whatever’s possible.
Company Name: Risk Placement Services
Head Office Address: 2850 Golf Road, Rolling Meadows, IL 60008
Telephone No.: 866-595-8413
Email: ContactRPS@RPSins.com
Website: www.RPSins.com
Southern Insurance Underwriters (SIU)
Southern Insurance Companies (SIC) is an accumulation of several companies formed to service the insurance needs of independent insurance agents and their customers throughout the United States.
Southern Insurance Underwriters, Inc (SIU), originally chartered as Kurt Hitke and Company, Inc., was started in 1926 by Mr. Hitke. He was the first individual to start writing “hard-to-place” risks which, in those days, were called sub standard business. He began by writing taxicabs in the city of Chicago in 1926.
In 1949 Mr. Hitke began expanding his operation, and by the mid 50s, with a total of nine offices, had become the largest writer of sub standard business in the United States. The leading trade journal The National Underwriter, upon his retirement in 1964, described him as "the creator of sub standard underwriting." Upon his retirement in 1964 W. C. Duesenberg, Sr purchased the company and changed the name to Southern Insurance Underwriters, Inc. Wes Duesenberg Jr. and Tripp Duesenberg make up the second and third generation in this family-owned business.
Southern Insurance Underwriters, Inc has built a reputation for exceptional and innovative service to insurance agents and this is the basis for the company’s steady growth.
Company Name: Southern Insureance Underwriters, Inc.
Head Office Address: 4500 Mansell Road; Alpharetta, GA 30022
Telephone No.: 678-498-4500
Email: marketing@siuins.com
Website: www.siuins.com
USG Insurance Services, Inc.
For more information, you can visit www.usgins.com.
Company Name: USG Insurance Services, Inc.
Head Office Address: 3810 Northdale Blvd, Suite 190, Tampa, FL 33624
Telephone No.: 800.886.3897
Email: GetConnected@usgins.com
Website: www.usgins.com
Worldwide Facilities
Company Name: Worldwide Facilities, LLC
Head Office Address: 725 S. Figueroa Street, 19th Floor Los Angeles, CA 90017
Telephone No.: (213) 236-4500
Website: wwfi.com
America's Best Cyber Insurance
In a time of evolving cyber threats, brokers has named the insurers that are providing the most comprehensive cover and best service to clients as follows:
America's Best Cyber Insurance 5-Star Excellence Awards
Tokio Marine HCC
Tokio Marine HCC - Cyber & Professional Lines Group (CPLG) is the marketing name used to describe the cyber and professional lines-related insurance operations of Tokio Marine HCC. The Cyber & Professional Lines Group’s product offering includes cyber, technology errors and omissions (E&O), employment practices insurance and other professional liability products. Tokio Marine HCC’s major domestic insurance companies have financial strength ratings of “A+ (Strong)” from S&P Global Ratings, “A++ (Superior)” from A.M. Best, and “AA- (Very Strong)” from Fitch Ratings; its major international insurance companies have financial strength ratings of “A+ (Strong)” from S&P Global Ratings. Our cyber liability insurance solution is an effective combination of great coverage, state-of-the-art mitigation services and unparalleled in-house claims experts.
To learn more please visit our website: https://www.tmhcc.com/en-us/products/netguard-plus-cyber-liability.
America's Best Environmental Insurance
Insurance brokers rate the best environmental insurance policies (and insurers) in the market today
America's Best Environmental Insurance 5-Star Excellence Awards
Aspen Insurance
We specialize in providing customized underwriting solutions to clients and brokers across an array of geographies, products and perils.
Our success is founded on our underwriting expertise and risk management insight, and it is backed by our client focused philosophy. Aspen is an innovator in the management of complex risks on behalf of our clients. We are focused on providing carefully tailored underwriting solutions in select markets where talent, technical expertise and underwriting skills are rewarded.
Client Testimonials
“Our Company recently dealt with a claim involving an insurance policy issued by Aspen Insurance. Due to the complexity of the facts surrounding our claim, there were legitimate questions whether and to what extent the insurance policy provided coverage on our claim. The matter quickly escalated to senior claims leadership at Aspen. Although our interest, as the insured, differed from the interest of Aspen, I respect and admire how they handled the matter. The senior claims officer who handled the matter on behalf of Aspen was astute, had excellent, business acumen and was a gentleman throughout the process. He and his team allowed logic and practicality to dictate the outcome on the contested issues. They held their ground when logic dictated that they do so, but the senior claims officer was always professional and courteous during our interactions. When logic favored our Company, Aspen allowed logic to prevail and conceded the point without any gamesmanship being played. In the end, Aspen worked with me in good faith to resolve complex issues rather than as an adversary. And as a result, we were able to resolve very complicated issues expeditiously and in an amicable manner. The Aspen management team conducted itself as a class organization and treated us fairly and respectfully.” Frank Brady, General Counsel Demetree Meridian
Great American Insurance Group
Our GREAT beginnings
It all started back in 1872 – a time when accidents and natural disasters meant the end of many businesses. When this need for insurance met a few ambitious German immigrants, the company that would become Great American was born. Our first customer? A rubber comb factory. Within a few years, we became known for paying claims in a timely manner. For instance, after the 1906 San Francisco earthquake – when many insurance companies couldn’t handle the losses – we paid out more than $2 million in claims.
Nearly 150 years later, we continue that long-standing tradition of financial strength, protecting specialized businesses in more than 100 niche industries around the globe. In fact, Great American Insurance Company has received an “A” rating or higher from A.M. Best for more than 110 years (most recent rating of "A+" (Superior) affirmed October 28, 2020). From that rubber comb factory to today, companies turn to us when they need someone who knows their space, shares their priorities and has the freedom to do what’s right.
Head Office Address: 301 E. Fourth Street Cincinnati OH 45202
Year Founded: 1872
Number of Employees: 8,100
Number of Offices: 120 locations across the United States, Mexico, Canada, United Kingdom, European Union, Singapore
America's Best Worker’s Compensation Insurance
Worker’s Compensation Insurance (worker’s comp) is mandatory in nearly every single US state. It is a specific type of insurance that must be purchased in addition to any other policies that a business is covered by.
America's Best Worker’s Compensation Insurance 5-Star Excellence Awards
AmTrust Financial
QBE North America
QBE North America is a global insurance leader focused on helping customers solve unique risks, so they can focus on what matters most. One of the largest carriers worldwide, QBE is a 130-year-old, $14 billion insurer operating in every key insurance market. We are rated A+ by Standard & Poor’s and A (Excellent) by A.M. Best.
US Headquarters: 55 Water Street, New York, NY 10041
Year Founded: 1886
Employees: Over 11,000
Number of Offices: 3 Regional Divisions (North America, Australia Pacific, International)
Berkshire Hathaway GUARD
Subsidiaries:
AmGUARD Insurance Company®
AZGUARD™ Insurance Company
EastGUARD Insurance Company®
NorGUARD Insurance Company®
WestGUARD® Insurance Company
Premium: $2 billion+
Offices: Headquartered in Wilkes-Barre, PA, with 7 other locations countrywide.
Employees: 950+
Established: 1983
Commercial Lines:
- Businessowner’s Policy
- Commercial Auto
- Commercial Package
- Professional Liability
- Workers' Compensation
Personal Lines:
- Homeowners
- Personal Umbrella
Learn more at http://www.guard.com
ICW Group
General Information
ICW Group Insurance Companies represents a group of workers’ compensation, assumed reinsurance and catastrophe insurance carriers. As an “A” rated, top tier carrier, ICW Group is recognized for its industry leading risk management expertise, proactive claims handling and superior anti-fraud services. Quoting more than $3 billion annually, ICW Group is recognized nationally as an industry leader in helping its policyholders achieve fewer and less costly claims that lower their Ex-Mod while elevating the trusted agents and brokers who advise them. Work comp policyholders can count on ICW Group to provide them with products and services that are truly customer-centric and add value. All workers’ compensation policyholders enjoy free unlimited access to 24/7 human resources advice through HR OnDemand, thousands of safety trainings and resources through Safety OnDemand, access to telemedicine services for injured workers and, to be introduced in 2021, Nurse Triage services. For more information on ICW Group’s work comp programs, visit www.icwgroup.com.
Max Coverage
Statutory
Min Premium
Inclusions Checklist
- Agriculture
- Construction
- Habitational
- Health Care
- Hospitality
- Manufacturing
- Professional Services
- Property Management
- Warehousing
- Restaurant
- Retail/Wholesale
- Transportation
Exclusion Checklist
- Professional Employer Organizations
- Temp Staffing Organizations
- Roofers
More Value in a Work Comp Policy
ICW Group policyholders can expect more from their workers’ compensation program. Every policyholder receives:
· Hands-on claims management
· One-on-one personalized risk consultations
· All claims reviewed for fraud within 24 hours of claim creation
· Access to 24/7 human resources advice
· Pay-as-you-go online payroll reporting
With a broad underwriting appetite across hundreds of class codes, no limits on experience mods and minimum premiums starting as low as $3,500, ICW Group agents and brokers can easily meet the diverse needs of their clients while significantly growing their business. Agents who partner with ICW Group earn up to 15% commission, enjoy high client renewal rates and work with a responsive underwriting team committed to their success. Further demonstrating its agent partner support, ICW Group recently launched LeadGen OnDemand, a lead-generating marketing tool to help agents grow their business. For more information on becoming an appointed agent with ICW Group, visit icwgroup.com/join.
What Agents and Brokers Say?
“What sets you apart from other carriers is your people. From the top down, you are easy to work with and consistently come through for us when we need you to. Starting with underwriting, to claims, to loss control, to billing, your hard work and professionalism is greatly appreciated. Partnering with ICW Group helps me do right by my clients, which is the most important thing to me as their insurance broker.” John White, One Risk Group, LLC, Pleasanton, CA
“I’ve always appreciated your team’s commitment to our partnership. As a broker, I look for companies truly committed to long-term relationships, innovative technology and market stability. I’m pleased to say ICW Group gets an A+ in all three! As my client’s trusted advisor, I’m proud to place customers with you. It makes me feel great knowing I’ve made the right decision!” Cory Higgins, Legacy Risk & Insurance Services, LLC, Walnut Creek, CA
America’s Best Professional Liability Insurance
Market Leading - a phrase many insurance companies like to use when describing their products. But now, after months of research and thousands of broker interviews, 25 companies can claim that title on the back of actual market research. Insurance Business America has engaged the country’s top brokers in one-on-one interviews and surveys to determine the leading Professional Liability products
America’s Best Professional Liability Insurance 5-Star Excellence Awards
QBE Insurance Group
US Headquarters: 55 Water Street, New York, NY 10041
Year Founded: 1886
Employees: Over 11,000
Number of Offices: 3 Regional Divisions (North America, Australia Pacific, International)
Great American Insurance Group
Our GREAT beginnings
It all started back in 1872 – a time when accidents and natural disasters meant the end of many businesses. When this need for insurance met a few ambitious German immigrants, the company that would become Great American was born. Our first customer? A rubber comb factory. Within a few years, we became known for paying claims in a timely manner. For instance, after the 1906 San Francisco earthquake – when many insurance companies couldn’t handle the losses – we paid out more than $2 million in claims.
Nearly 150 years later, we continue that long-standing tradition of financial strength, protecting specialized businesses in more than 100 niche industries around the globe. In fact, Great American Insurance Company has received an “A” rating or higher from A.M. Best for more than 110 years (most recent rating of "A+" (Superior) affirmed October 28, 2020). From that rubber comb factory to today, companies turn to us when they need someone who knows their space, shares their priorities and has the freedom to do what’s right.
Head Office Address: 301 E. Fourth Street Cincinnati OH 45202
Year Founded: 1872
Number of Employees: 8,100
Number of Offices: 120 locations across the United States, Mexico, Canada, United Kingdom, European Union, Singapore
Philadelphia Insurance Companies
Line of Business
Commercial Property Casualty and Professional Liability
Product Information
Philadelphia Insurance Companies’ (PHLY) Non-profit and Social/Human Service Organization package is insurance uniquely designed to fulfill a wide range of special insurance needs for the non-profit sector as defined under IRS Code 501(c)(3). Each policy is custom tailored to address each insured’s unique exposures. We offer separate limits for General Liability, Professional Liability, and Abuse & Molestation (if eligible). In addition, we offer a separate Directors & Officers Liability policy. For all your Non-profit and Social/Human Service needs, visit our website at PHLY.com.
Locations Served
North America
Max Coverage per occurrence
USD $1MMax Coverage aggregate
USD $3MUmbrella Limits
USD $15M
Coverage Information
1. Special causes of loss on building, contents, loss of income, and extra expense.
2. Commercial General Liability, Professional Liability, and Excess Liability all with one carrier.
3. Abuse coverage is available.
4. Coverage for fundraising events is available.
5. Owned Automobile coverage is available.
6. Non-Profit specific Risk Management Services provided.
Additional Benefits
1. Separate coverage part so no erosion of General Liability aggregate limit.
2. Primary or contingent liability included for employed, contracted, or volunteer physicians and dentists.
3. Covers students in training.
4. Independent contractors.
5. Occurrence or claims-made forms available.
6. Primary or contingent liability available for employed, contracted, or volunteer physicians and dentists:
a. Professional medical coverage will attach, as a broadening endorsement, to the basic Professional Liability Coverage Form. It will therefore follow either the occurrence or claims made format applicable to the basic PL coverage. The med mal coverage shares limits with the PL limit.
b. Med Mal includes “Good Samaritan” coverage for employed physicians.
Tokio Marine HCC
Line of Business
Architects and Engineers Professional Liability (AE), Contractors Professional Liability (CP), Scientists Professional Liability, Employment Practices Liability, Allied Medical – Miscellaneous Malpractice, Social Services Professional Liability/General Liability, Sexual Misconduct and Molestation Liability (SMML), Miscellaneous Professional Liability, Real Estate Professional Liability, Insurance Agents Professional Liability, Medical Billers E&O
Locations Served
North America
Max Coverage
USD $5M
General Information
Crafted to meet the needs of over 100 classes of professionals, our suite of miscellaneous professional liability products demonstrate our specialized expertise in the open market. In addition to our standard form, we have dedicated versions for real estate, insurance and medical billing professionals.
Miscellaneous professional liability insurance protects against claims arising from professional malpractice. These claims can lead to financial losses, expensive litigation and staggering jury awards. Professionals, businesses and consultants face greater exposure to potential risks and liabilities than ever before. With a professional liability insurance policy, this risk can be avoided, keeping your budget and your reputation intact.
Terms and conditions may vary by state.
America's Best Home Insurance
Home insurance in the US is an important part of the insurance landscape. Every year 1 in 20 insured homes has a claim, and the top 10 (by volume) home insurance companies accounted for over $63 billion in premiums in 2019
America's Best Home Insurance 5-Star Excellence Awards
Acuity Insurance
Package (Road and Residence)
Save up to 20% when you combine all of your home, vehicle, and umbrella insurance. Our Road and Residence® program combines home, auto, and other personal insurance into one policy with value-added features. You'll automatically get guaranteed replacement cost for your home and replacement cost for your personal property. You’ll also enjoy one high limit that can apply to any property as well as a single deductible.
Features:
1. Generous blanket limit – One limit for other structures, personal property and additional expense incurred if you need to live elsewhere while your home is being repaired
2. One deductible – Apply one deductible in the event a loss affects more than one type of coverage
3. Guaranteed Dwelling Replacement Cost or Cash Out – Option to rebuild regardless of limit OR take the dwelling limit if you chose not to rebuild
4. Personal Property Replacement Cost – Replace damaged possessions regardless of depreciation
5. Up to 20% package discount
6. One bill for all your coverages
Home and Auto Insurance Packages
Locations Served
United States
Max Coverage
No maximum coverage
Guaranteed Home Replacement
One of Acuity’s stand out coverages, Guaranteed Home Replacement will cover the full cost of rebuilding your house after a total loss, even if it exceeds your policy limit!
Covers:
1. Cost to rebuild your house after a total loss
2. Guaranteed – No cap
3. Option to replace OR cash out – Customer has a choice of rebuilding or simply choosing to take the dwelling limit
Locations Served
United States
Max Coverage
No maximum coverage
Identity Theft/Cyber
Identity theft and cyber-attacks are becoming increasingly more common. Add an extra layer of protection not otherwise covered under your home policy. Receive professional assistance and reimbursement in the event of an identity or cyber related loss.
Covers:
1. Identity Fraud Expense Reimbursement and Recovery Assistance
2. Data Recovery and System Restoration costs arising out of a cyber attack
3. Cyber Crime coverage for money lost arising out of phishing, credit card fraud, wire transfer fraud, forgery, and electronic theft from a bank account
4. Cyber Extortion expenses, including money lost
5. Cyber Bullying recovery expenses
6. Breach Notification Costs if personal information of others is hacked
7. Cyber Protection Legal Expense and Damages Reimbursement
Locations Served
United States
Max Coverage
$25,000
Service Line Coverage
Service line coverage is an often overlooked need for a homeowner. The homeowner is responsible for the underground piping that runs from the street to the home and provides water, sewer, and electrical services. If that is damaged, and you don’t have service line coverage, you could be left footing the bill.
Covers:
Damage to service lines caused by:
1. Wear and tear or rust
2. Mechanical breakdown
3. Freezing
4. Tree root or other plant invasion
5. Weight of vehicles or equipment
6. Electrical current
7. Animals, including insects
Locations Served
United States
Max Coverage
$10,000
Home Business
If you run a business out of your home, then you need Home Biz insurance from Acuity! Regular homeowners insurance does not provide the coverage needed to protect a business. Our unique product is among the broadest of coverages in the industry for protecting your home-based business.
Covers:
1. Personal property used in your business
2. Valuable papers
3. Accounts receivable
4. Electronic equipment, including computer hardware
5. Customers’ property in your care
Locations Served
United States
Max Coverage
$50,000
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