What We Write Professional Liability

CID has identified specific product lines that have been most successful for our brokers. These products represent the highest quote to submission and bind to quote ratios. You will find these products competitively priced and with broad coverage terms.

Don’t see what you are looking for? Please call 1-800-922-7283 or contact your underwriter for more information about additional classes of business.

Accountants

Architects & Engineers

Target Clients:
  • Engineers: Structural, construction, oil & civil
  • Architects with design
  • Geo tech/thermal engineers
  • Land Surveyors
  • CAD/CAM design
  • Construction Managers
  • No limitation on Scope of projects
  • New ventures and new ownership eligible
Coverages:
  • Contractor’s Pollution Liability
  • General Liability
  • Professional Liability
  • Directors & Officers Liability
  • Employment Practices Liability
  • Cyber Liability
  • Limits of Liability up to $5 million
  • Workers’ Compensation
Requirements:
  • See “applications” for specific form to complete
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Community Association Management Company

Target Clients:
  • Management Companies that manage portfolios made up of 85% community association properties
  • No maintenance services provided by management company
  • Ancillary real estate sales acceptable
Coverages:
  • Errors & Omissions Liability
  • General Liability
  • Directors & Officers Liability
  • Tenant Discrimination Liability
  • Hired & Non-owned Auto Liability
  • Property
  • Employment Practices Liability
  • Cyber Liability
  • Umbrella/Excess Liability
  • Business Auto
  • Workers’ Compensation
  • Fidelity
Requirements:
  • Must purchase Errors & Omissions Liability coverage to qualify for General Liability coverage

Consultants E&O

Target Clients:
  • Businesses providing professional services
  • More than 50 classes of business qualify
  • New ventures and new ownership eligible
Coverages:
  • Error & Omissions Liability
  • Employment Practices Liability
  • Cyber Liability
  • Property
  • General Liability
  • Excess General Liability up to $5 million
  • Hired & Non-owned Auto Liability
  • Workers’ Compensation
Requirements:
  • See “applications” for specific form to complete
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Corporate Directors Officers Liability

Requirements:
  • See “applications” for specific form to complete
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Cyber Liability

Requirements:
  • See “applications” for specific form to complete
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Dentists

Doctors, Physicians & Surgeons

Employment Practices Liability

Requirements:
  • See “applications” for specific form to complete
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Event Planners

Target Clients:
  • Wedding/party planners
  • Corporate destination
  • New ventures and new ownership eligible
Coverages:
  • Property/General Liability Package
  • General Liability (Package or mono-line)
  • Blanket Additional Insureds
  • Errors & Omissions Liability
  • Employment Practices Liability
  • Hired & Non-owned Auto Liability
  • Excess Liability up to $5 million
Requirements:
  • See “applications” for specific form to complete
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Health Care Consultant

Target Clients:
  • Health related consulting
  • Medical benefits
  • Government benefits
  • Elder care consulting
  • New ventures and new ownerships eligible
Coverages:
  • Property
  • General Liability
  • Professional Liability
  • Employment Practices Liability
  • Workers Compensation
Requirements:
  • See “applications” for specific form to complete
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Home Health Care

Target Clients:
  • Professional & non-professional services
  • Services provided to individuals at their place of residence
  • Professional services by licensed nurses, RNs, LVNs, LPNs& physical therapists
  • Non-professional services by nurses’ aides and home health aides
  • New ventures and new ownerships eligible
Coverages:
  • Property
  • General Liability
  • Professional Liability
  • Sexual/physical abuse included
  • Employment Practices Liability
  • Fidelity (1st& 3rd party)
Requirements:
  • See “applications” for specific form to complete
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Insurance Agents

Target Clients:
  • Small to large agents & brokers
  • Persona & commercial lines of business
  • Life & health
  • No TPAs
  • New ventures and new ownership eligible
Coverages:
  • Property/General Liability Package
  • Errors & Omissions Liability
  • Cyber Liability
  • Directors & Officers Liability
  • Employment Practices Liability
  • Hired & Non-owned Auto Liability
  • Excess Liability up to $5 million
  • Workers’ Compensation
Requirements:
  • See “applications” for specific form to complete
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Lawyers

Target Clients:
  • Law firm with 2 or more attorneys
  • Minimal real estate law practice
  • Some claim activity acceptable
  • New ventures and new ownership eligible
Coverages:
  • Property/General Liability Package
  • General Liability (Package or mono-line)
  • Errors & Omissions Liability
  • Cyber Liability
  • Directors & Officers Liability
  • Employment Practices Liability
  • Hired & Non-owned Auto Liability
  • Excess Liability up to $5 million
  • Workers’ Compensation
Requirements:
  • See “applications” for specific form to complete
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Medical–Miscellaneous

Target Clients:
  • Surgical centers
  • Dialysis centers
  • Assisted living facilities/Residential care facilities
  • Radiologists
  • Rehab centers
  • Imaging centers
  • Home care staffing
  • New ventures and new ownership eligible
Coverages:
  • General Liability
  • Professional Liability
  • MED-Defense Liability
  • Employment Practices Liability
  • Hired & Non-owned Auto Liability
  • Excess Liability up to $5 million
  • Workers’ Compensation
Requirements:
  • See “applications” for specific form to complete
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Miscellaneous E&O

Mortgage Brokers

Target Clients:
  • Small to large mortgage brokers/bankers
  • Mortgage bankers
  • Mortgage bonds
  • Real estate sales & management
  • New ventures and new ownership eligible
Coverages:
  • Property/General Liability Package
  • General Liability (Package or mono-line)
  • Errors & Omissions Liability
  • Cyber Liability
  • Directors & Officers Liability
  • Employment Practices Liability
  • Hired & Non-owned Auto Liability
  • Excess Liability up to $5 million
  • Workers’ Compensation
Requirements:
  • See “applications” for specific form to complete
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Property Management

Target Clients:
  • Property managers of apartments & individual homes,
  • Vacation rental management
  • Commercial building management: office, shopping center, industrial
  • Condominium/homeowners association management
  • New ventures and new ownership eligible
Coverages:
  • Property
  • General Liability
  • Errors & Omissions Liability
  • Directors & Officers Liability
  • Employment Practices Liability
  • Cyber Liability
  • Tenant Discrimination Liability
  • Hired & Non-owned Auto Liability
  • Umbrella/Excess Liability
  • Workers’ Compensation
  • Fidelity
Requirements:
  • See “applications” for specific form to complete
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Real Estate Agencies

Target Clients:
  • Principal/Partner/Broker: 1 year licensed & 3 years licensed agent experience
  • Franchise and non-franchise firms
  • Agents/brokers/independent contractors
  • New ventures and new ownership eligible
Coverages:
  • Business Owners Package
  • Errors & Omissions Liability
  • Directors & Officers Liability
  • Employment Practices Liability
  • Cyber Liability
  • Workers’ Compensation
Requirements:
  • See “applications” for specific form to complete
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Residential Care Facility

Social Services

Target Clients:
  • Drug & alcohol counselors
  • Half-way houses
  • Counseling services
  • Group homes
  • New ventures and new ownership eligible
Coverages:
  • General Liability
  • Professional liability
  • Sexual Abuse & Molestation
  • Hired & non-owned auto liability
  • Workers Compensation
Requirements:
  • See “applications” for specific form to complete
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Technology

Target Clients:
  • Application service provider/software as a service/cloud provider
  • Consulting/training/project management/staffing
  • Data or records storage, retrieval
  • Back-up/database administration/hardware evaluation, selection & maintenance
  • Software development/installations/sales
  • Systems or network evaluation/design/cabling/support
  • Web design/development/hosting or search engine optimization
  • New ventures and new ownership eligible
Coverages:
  • Property/General Liability Package
  • General Liability (Package or mono-line)
  • Errors & Omissions Liability
  • Cyber Liability
  • Directors & Officers Liability
  • Employment Practices Liability
  • Hired & Non-owned Auto Liability
  • Excess Liability up to $5 million
  • Workers’ Compensation
Requirements:
  • See “applications” for specific form to complete
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Tenant Discrimination

Title/Escrow Agents

Target Clients:
  • Revenues over $100,000
  • New ventures and new ownership eligible
Coverages:
  • Property/General Liability Package
  • General Liability (Package or mono-line)
  • Errors & Omissions Liability
  • Cyber Liability
  • Directors & Officers Liability
  • Employment Practices Liability
  • Hired & Non-owned Auto Liability
  • Excess Liability up to $5 million
  • Workers’ Compensation
Requirements:
  • See “applications” for specific form to complete
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA