Appetite guide

The BAM^® - Private Company policy offers a package product of superior Employment Practices Liability, Directors & Officers and Company liability, Fiduciary Liability and Crime coverage for small to middle middle sized companies.

• Employment Practices - Less than 500 employees
• Directors & Officers - Less than $300 million in assets
• Fiduciary - Less than $50 million in plan assets
• Crime - Less than 500 employees

• $5MM in capacity for each coverage section. Options for combined or separate limits of liability are available on every account.
• $0 retention on the Directors and Officers and the Fiduciary Coverage Sections if the Employment Practices elected.
• Competitive retention options available for Employment Practices Coverage.
• Additional limit available for non-indemnifiable acts on Directors & Officers
• Additional Limit for Defense Costs is available on Employment Practices
• Duty to Defend with no hammer clause
• E-Risk EPL HELPLINE delivers real-time unlimited access to expert legal support provided by a national law firm.

Simplified application, no financials, no handbooks and no articles of incorporation needed on most accounts. Eligible and ratable online submissions will not be referred to an underwriter unless the risk has either claims or a net loss greater than $3MM. The application, forms and highlights documents can be found in the Applications and Forms section of our website. 



Most classes of business will be entertained. The list below is a list of classes of business that E-Risk will not entertain under normal circumstances.

• Athletic teams
• Auto dealers
• Banks
• Charter Schools
• Entertainment/ Movie/Production Companies
• Financial Institutions/Lenders
• Government/Quasi-governmental agencies
• Higher education/Colleges/Universities
• HMO/PPO
• Law firms
• Nutraceuticals
• Radio Broadcasters
• Security Brokers
• Venture Capitalists

E-Risk Services specializes in Employment Practices Liability for many types of organizations, including real estate, high-tech, biotech, start-ups or long-established organizations.

Some, but not all, of the classes of business E-Risk insures are listed below:

• Accountants 
• Information technology  
• Advertisers 
• Insurance agents/brokers 
• Alternative energy 
• Life sciences 
• Automotive services 
• Manufacturers 
• Collection agencies 
• Medical billing 
• Contractors  
• Personal services 
• Co-ops 
• Professional services organizations  
• Daycare centers 
• Retail  
• Distributors  
• Real estate  
• Defense contractors 
• Restaurants 
• Employment/staffing firms 
• Telecommunication  
• Franchisee and franchisor  
• Transportation services

• Employment Practices Liability - less than 300 employee’s
• Directors & Officers Liability - less than $20m in assets - (up to $30M with referral)
• Fiduciary - less than $1m in plan assets = $100; $1m to $2.5m = $350

• $5MM in capacity for each coverage section. Options for combined or separate limits of liability are available.
• $0 retention on the Directors and Officers and the Fiduciary Coverage Sections if the EPL is elected.
• Low retention options available for EPL Coverage.
• $0 retention on EPL for some classes of business.
• Defense is outside the limit of liability for all coverage sections.

One page application, no financials, no handbooks and no articles of incorporation. Online submissions will be referred to an underwriter that has either claims or a negative fund balance. All submissions should be directed to James Harris.

Target 501(c) SIC Codes

• 501(c) 3 General Corporations
• 501(c) 4 Civic Leagues
• 501(c) 6 Business Leagues
• 501(c) 7 Recreational Leagues
• 501(c) 8 Fraternal Societies
• C501(c) 10 Lodge Systems

Decline 501(c) SIC Codes

• 501(c) 2 Corp. holding titles
• 501(c) 5 Labor Organizations
• 501(c) 9 Voluntary Employee Associations
• 501(c) 11-27 Cemetery Companies, Credit Unions, Insurance Associations, Government Trusts, Trusts for Pension Benefits/Unemployment Benefits, Armed Services MEWA’s, Government or State related services.

Decline - Type Organization

• Association - Condo / Homeowners
• Association - Lawyers / Bar
• Association - Property
• Association - Regulatory
• Colleges/Universities
• Economic Development
• Authority / Organization
• Firearms Advocacy Organization
• Hospitals w/over 200 beds
• Land Preservation Organization
• Labor Federation
• Standards Review / Peer Review
• Political Organization
• Tenants' Advocacy
• Unions
• United Fund Councils

• Advertising / Media - Ex: Ad Agencies, Marketing Consultants, PR firms  
• Allied Health - Ex: Medical Directors, IMEs, etc (No direct patient care)  
• Business Services - Ex: Appraisers, Messenger Services, Interior Design  
• Consulting Services - Ex: Financial Cons, Management Cons, HR Consultants, etc  
• Counselor Services - Ex: Executive Coach, Life Coach, health educators, etc  
• Education Services - Ex: Education Advisor, Educational Testing, etc.  
• Employment Services - Ex: Employment Agent, HR Consultant, Executive Recruiter  
• Financial Services - Ex: Bankruptcy Advisors, Bookkeepers, Business Manager  
• Insurance Services - Ex: Claim Adjuster, Insurance Consultant, Expert Witness  
• Legal Services - Ex: Legal Consultants, Judges E&O  
• Real Estate - Ex: Property Managers, Land Use Planners, Flood Zone Consultants  
• Travel / Entertainment / Recreation - Ex: Travel Agents, Meeting Planner, Event Planners 

• Accountants 
• Advertising and marketing firms – no media coverage provided 
• Agriculture (including forestry and fishing) 
• Allied healthcare, doctor and dental offices 
• Architects and engineers 
• Consultants 
• Insurance agents 
• Miscellaneous professional services 
• Printing and publishing (excludes media coverage) 
• Recruiting and staffing firms 
• Auto dealers 
• Construction and contractors 
• E-commerce 
• Financial advisors 
• Funeral homes and services 
• Inbound call centers 
• Logistics and transportation 
• Manufacturing 
• Media production (excludes media coverage) 
• Municipalities under $10 million in revenue/assets (includes utility providers) 
• Nonprofits 
• Nursing homes and retirement homes 
• Private equity firms 
• Private/charter schools 
• Property Management 
• Real estate development 
• Retail and Hospitality (hotels, clubs, shops, restaurants) 
• Social service organizations 
• Venture capital firms 
• Wholesale and distribution 

• Digital marketing 
• Document/data conversion 
• Electronics repair 
• Hardware installation 
• IT consulting without MSP exposure 
• IT staffing 
• IT training and education 
• Outsourced and custom software development 
• Quality control and testing services 
• Value added reselling services 
• Web development 
• Standard software development, including following 
• CRM 
• E-commerce 
• Enterprise resource planning 
• Financial 
• Healthcare and medical 
• Practice management 
• Social media 
• Business analytics 
• Consumer 
• E-discovery 
• IT analytics 
• Professional services (accounting, HR, risk management etc.) 
• Sharing economy 
• Telematics

• Employment Practices - Less than 500 employees
• Directors & Officers - Less than $300 million in assets
• Fiduciary - Less than $50 million in plan assets
• Crime - Less than 500 employees

• $5MM in capacity for each coverage section. Options for combined or separate limits of liability are available on every account.  
• Duty to defend with no hammer clause  
• $5MM in capacity for each coverage section. Options for combined or separate limits of liability are available on every account.  
• $0 retention on the Directors and Officers and the Fiduciary coverage Sections if the Employment Practices elected.  
• Competitive retention options available for Employment Practices Coverage.  
• Additional limit available for non-indemnifiable acts on Directors and Officers  
• Additional limit for defense costs is available on Employment Practices  
• Duty to defend with no Consent to Settle

Simplified application, no financials, no handbooks and no articles of incorporation needed on most accounts. Eligible and ratable online submissions will not be referred to an underwriter unless the risk has either claims or a net loss greater than $3MM.

E-Risk Services specializes in private company D&O insurance for many types of organizations, including real estate, high-tech, bio-tech, startups or long established organizations. Classes include but are not limited to:

• Accountants 
• Advertisers 
• Alternative energy 
• Automotive services 
• Collection agencies 
• Contractors  
• Co-ops 
• Daycare centers 
• Distributors  
• Defense contractors 
• Employment/staffing firms 
• Franchisee and franchisor  
• Healthcare  
• Information technology  
• Insurance agents/brokers 
• Life sciences 
• Manufacturers 
• Medical billing 
• Personal services 
• Professional services organizations  
• Retail  
• Real estate  
• Restaurants 
• Telecommunication  
• Transportation services