We actively place Professional Liability for most types of businesses and professionals. We can provide contingent bodily injury/property damage coverage and expanded environmental coverage when needed. Limits of up to $5,000,000 are available (excess is also available for higher limits). The minimum deductible is $1,000.

The following are just a few of the classes that we can place:

  • Accountants
  • Appraisers
  • Claim Adjusters
  • Land Surveyors
  • Title Agents
  • Inspection Firms
  • Interior Designers
  • Advertising Agencies
  • Answering Services
  • Public Relations Firms
  • Insurance Adjusters/Actuaries
  • Computer/EDP Consultants
  • Executive Search Agencies
  • Environmental Consultants
  • Mortgage Brokers/Bankers
  • Premium Finance Companies
  • Testing Laboratories
  • Safety/OSHA Consultants

Real Estate Agents & Brokers

Traditionally a miscellaneous class, specific programs are now available for these professions. We offer coverage for residential, commercial and industrial real estate agents and brokerage firms. We can also include coverage for Mortgage Brokers, Property Managers and Leasing Agents.

Limits of $5,000,000 are available with minimum deductibles of $1,000.

Please ask us for a Northland General application.

Medical Professional Liability

Any Medical or Miscellaneous Medical Provider is eligible, including: Physicians, Dentists, Surgeons, Nurses, Chiropractors, Managed Care Facilities, Counselors, Clinics, Therapists, Holistic Providers, Labs.

Limits up to $5,000,000 with deductibles of $2,500.

We have a general specified medical application, or applications for the specific medical professions can be provided upon request. Please ask us for the appropriate application.

Lawyers Professional Liability

The Lawyers Professional Liability marketplace is both large and changing. Given the premium potential and markets’ varied loss experience, companies are changing their approach to lawyers professional liability. These changes may create both difficulties and opportunities for organizations involved in this line of business. Crouse and Associates has expertise handling firms of all sizes, and in a broad range of practice areas.

  • Size – Accounts written range from very small firms to larger, multi-location law firms.
  • Practice Areas – Practice areas covered include general activities as well as those specialties deemed hard-to-place by the insurance industry, including:
    • SEC work
    • Banking
    • Real estate
    • Tax shelters
    • Entertainment
  • Distressed Firms – At Crouse we have had success writing firms with adverse claims experience and other distressed situations.
  • Years of Experience – We have the ability to write firms that are new in the business as well as established organizations, with the appropriate underwriting information.
  • Limits – Both primary and excess limits are available.

Actual capacity provided is dependent upon the firm size and underlying carriers.

Technology Package Program

We have gotten a great response from all of you on this great new product for Technology Professionals that offers General Liability (Occurrence Form), and Professional Liability (Claims Made Form) with separate aggregate limits.

An All-In-One Package For Technology Professionals Your Customers Can’t Get From Anyone But You.

Criteria for eligibility are open such as:

  • Computer Professionals
  • Professionals using computer technology in interfacing areas
  • Systems Integrators
  • Telecommunications Industries
  • Management Consultants specializing in automation
  • Systems Consultants
  • Hardware Configuration
  • Custom Software Specialist
  • Systems Analysts
  • Computer Consulting
  • Training,Support Lines

This exclusive package provides excellent coverage, dealing with specific issues of concern to the new professions that have arisen out of computer technology. The policy covers a single liability limit from $100,000 up to $10,000,000. Separate limits are available.