Business Details
27 Years
experience
Specialty Insurance Brokerage Solutions
Founded in 1999, Access E & S Insurance Service operates as a wholesale insurance brokerage specializing in specialty lines for retail insurance brokers. Our independently owned and operated structure ensures we work exclusively for our brokers, prioritizing their needs without external influence. With expertise in placing unique and hard-to-place risks, we represent leading names in the surplus lines industry, offering a wide array of coverages through both non-admitted and admitted carriers. Our service-driven approach emphasizes outside-the-box solutions for complex risks, making us a trusted long-term partner for specialty lines insurance placements.Headquartered in Arlington, VA, we combine decades of industry experience with a commitment to staying ahead of industry developments to deliver comprehensive insurance solutions. Our team maintains rigorous adherence to the principles of Uberrima Fides (Utmost Good Faith) in all business conduct, ensuring transparency and ethical practices. By focusing on quality service and innovative risk management strategies, we empower retail brokers to provide their clients with robust insurance protections tailored to evolving liability landscapes.
Services
Professional Liability
Environmental Liability
General Liability
Management Liability
Cyber Liability
Property Coverage
Umbrella Liability
Liquor Liability
Special Events Insurance
Details
- Year established: 1999
Highlights and features
- We specialize in placing hard-to-place risks through admitted and non-admitted carriers.
- Our independently owned structure ensures exclusive focus on brokers' needs.
- We offer coverage through carriers with A.M. Best ratings of A- or better.
- Our team has over 20 years of experience in specialty lines insurance.
- We provide quotes from multiple carriers to ensure optimal policy comparisons.
Services
Professional Liability
Professional Liability insurance protects businesses against claims of negligence, errors, or omissions in service delivery. Our policies cover diverse professions including accountants, architects, IT consultants, and healthcare providers. We offer claims-made and occurrence-based forms with flexible deductible options through A-rated carriers, ensuring comprehensive protection tailored to specific industry risks and claims history.
Environmental Liability
Environmental Liability insurance addresses risks from hazardous material handling, underground storage tanks, and remediation activities. Our coverage includes site-specific liability, contractors pollution liability, and environmental professional liability. Policies are designed for real estate transactions, abatement contractors, and environmental consultants, with excess limits available for high-risk exposures.
Cyber Liability
Cyber Liability insurance safeguards businesses against data breaches involving sensitive customer information. Coverage includes notification costs, credit monitoring, forensic investigations, and legal liabilities. Our policies address PCI fines, crisis management expenses, and public relations support, helping businesses maintain reputation and regulatory compliance following security incidents.
Management Liability
Management Liability insurance covers directors & officers, employment practices, fiduciary responsibilities, and crime-related exposures. Our policies protect against lawsuits related to governance decisions, employment disputes, benefit plan administration, and employee theft. Coverage includes defense costs, settlements, and ransom payments for corporate executives and board members.
Property Coverage
Property Coverage insures commercial buildings, construction projects, and in-transit assets against physical damage. We offer ISO special forms, replacement cost coverage, builders risk, and inland marine floaters. Policies accommodate unique risks like historical buildings, vacant structures, and international property exposures with flexible coinsurance options.
Questions
What types of insurance does Access E&S specialize in?
We specialize in professional liability, environmental liability, management liability, cyber liability, property coverage, and specialty lines for hard-to-place risks.
Are you an admitted insurance carrier?
We represent both admitted and non-admitted carriers, offering flexibility to place risks that standard markets may decline.
Do you work directly with policyholders?
We operate as a wholesale broker, serving retail insurance agents and brokers rather than individual policyholders.
What areas do you serve?
We primarily serve the East Coast from our Arlington, VA office, with West Coast operations merged with Cochrane and Company since 2016.
How do you handle complex risk scenarios?
Our team specializes in outside-the-box solutions for complex risks, leveraging relationships with surplus lines carriers to address unique liability exposures.
What underwriting standards do you maintain?
We require A.M. Best-rated carriers (A- or better) and maintain strict underwriting criteria to ensure policyholder protection and long-term coverage stability.
