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How It Works

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    Get Started

    Help us get to know you so we can provide personalized recommendations to ensure you're getting the right coverage.

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    Competitive Quoting

    Using short, online applications, our marketplace provides multiple proposals from top insurers in minutes, not weeks.

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    Expertise Delivered

    Our expert advice guides you as you evaluate your options to balance coverage and cost.

What We Cover

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Cyber

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Errors & Omissions

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Directors & Officers

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Employment Practices Liability

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Bonds

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Reps & Warranty

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Standard Insurance Coverages

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Cyber

Cyber Insurance protects an organization from exposures related to its use of technology and data.

In today’s world, virtually every organization utilizes technology in its communications, supply chain, data storage, and delivery of products and services, exposing it to cyber risk.

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Errors & Omissions

Errors & Omissions (E&O) Insurance is designed to protect professionals and professional organizations from financial loss due to a claim or lawsuit alleging professional negligence.

E&O Insurance, sometimes referred to as Professional Liability Insurance or Malpractice, is a critical coverage for your organization, but not all E&O Insurance policies are the same.

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Reps & Warranty

Reps & Warranty Insurance (R&W), also called Transactional Liability Insurance, provides financial protection in the purchase or sale of a business.

R&W Insurance protects sellers or buyers of a business against financial loss due to unintentional and unknown breaches of representation and warranty provisions (reps & warranties) in a purchase/sale agreement. Both buyers and sellers can benefit from R&W Insurance, and its use has been increasing dramatically in all types of private transactions, including smaller transaction sizes.

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Bonds

Bonds are a form of guarantee that respond based on performance and are quite different from traditional insurance.

Unlike a liability or property insurance policy, a bond does not protect the buyer of the bond. The bond protects a third party, such as a governmental entity or an owner of a property under construction, from non-performance by the entity buying the bond. Bonds are often required in order to perform a service.

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Directors & Officers

Directors and Officers (D&O) Insurance is sometimes called Management Liability.

D&O is a form of insurance designed to protect an organization’s leaders, and the organization itself, from financial loss related to their management decisions.

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Employment Practices Liability

Employment Practices Liability (EPL) Insurance protects employers from a variety of employment-related lawsuits and claims, and from EEOC and related actions.

Some of the most common claims employees (and former employees) make against companies are for wrongful termination, discrimination, and harassment. EPL can provide coverage for both damages and defense costs associated with a claim. EPL can be purchased as a standalone policy, and also may be included as a coverage part in a D&O Insurance policy.

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Standard Insurance Coverages

A comprehensive insurance program is made up of a number of standard and specialty insurance coverage types and is critical to protecting any organization.

At eSpecialty Insurance, we are experts in Specialty Insurance for your unusual, complex, and challenging exposures. We also provide standard insurance coverages to meet your insurance needs.

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Frequently Asked Questions

How does eSpecialty make sure I get the right coverage at the best price? Expand

To ensure you get the best price, we conduct a competitive quoting process. We approach multiple insurance carriers based on your specific exposures, finding those with appetite to cover your unique risk. This approach maximizes your chances of securing the most cost-effective and comprehensive insurance coverage available.

What types of companies does eSpecialty work with? Expand

We focus on serving small- and mid-sized businesses (SMBs) in a variety of industries.  SMBs have different coverage considerations (and budgets) than large accounts, so working with an agency that specializes on your segment is important.

How does eSpecialty get paid? Expand

eSpecialty acts as an insurance broker.  This means we work for you, our customer, not the insurance company, so our recommendation is truly unbiased.  We are compensated on commission if you purchase a policy, usually 10-15% of the premium cost.

Why should I work with eSpecialty? Expand
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Expertise

Our experience in specialty insurance markets ensures competitive coverage solutions for you

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Access

Effective placement of specialty insurance experience and access to specialized underwriters

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Reliability

We will find solutions for all your unusual, complex or challenging insurance exposures

Contact Us

Put our expertise to work as you balance comprehensive specialty insurance coverage and cost. Work with us!

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Industry Insights

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Errors & Omissions

E&O Risks: 4 Common Business Changes to Share with Your Agent

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Cyber

Cyber Insurance for Restaurants – The Recipe for Peace of Mind

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Errors & Omissions

Protecting Your Insurance Agency from E&O Claims

Read More →

Stay In The Know

Solutions for your unusual, complex or challenging insurance exposures.

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Coverages

  • Cyber
  • Errors & Omissions
  • Directors & Officers
  • Employment Practices Liability
  • Bonds
  • Reps & Warranty
  • Standard Insurance Coverages

Industries

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  • Design Insurance
  • Insurance
  • Non-Profit
  • Real Estate Insurance
  • Technology
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Resources

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  • FAQs
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