Northern Ohio E & S Agency, Inc.
Specialty Excess & Surplus Lines Broker since 1976
At Northern Ohio E & S Agency, Inc., we are committed to providing quality and fast insurance services for all your needs. We help our retail agents preform at the highest levels of service.
Allied Medical Malpractice insurance offers some of the broadest coverage on the market with a wide range of limits for Professional and General Liability
Unique features include the addition of our e-MD® and MEDEFENSE™ Plus coverages by endorsement. e-MD® provides cyber liability coverage for patient notification and credit monitoring costs, network security and privacy liability, data recovery costs, media liability and much more.
Coverages Enhancements Available
Sexual Misconduct and Molestation Liability up to $1,000,000
e-MD® Cyber Liability up to $1,000,000
MEDEFENSE™ Plus up to $500,000
Employee Benefits Liability up to $1,000,000
Hired & Non-Owned Auto Liability up to $1,000,000
Additional Claims Expenses Limit up to $1,000,000
Reputational Harm Expenses Sublimit up to $50,000
Evacuation Expenses Sublimit up to $50,000
Disciplinary Proceeding Sublimit up to $25,000
HIGHLIGHTS
Professional Liability offered on a Claims-Made basis
General Liability offered on a Claims-Made or Occurrence basis
Employees, Volunteers, Interns, Residents and Independent Contractors included in the definition of Insured
Can include direct coverage for Physicians, Dentists and Chiropractors on select classes
Medical Directors covered for Administrative Duties and Indirect Patient Care
Patient Loading / Unloading Coverage available as a sub-limit or up to the full PL limit
Dual Towers / Separate PL and GL Aggregate Limits • Follow Form Excess Coverage available • Punitive damages are covered, where insurable
Stay updated about everything regarding Northern Ohio E & S Agency, Inc..
Featured Programs
Northern Ohio E & S Agency, Inc. offers insurance for individuals, businesses and special risks. We are committed to keeping our agents satisfied and make sure they receive the right type of insurance for their clients. Contact us to learn more about our range of packages and solutions!
Construction and contracting professionals face potential liabilities that place them at considerable financial risk because of the type and quality of services they deliver to clients. Teaming up with TMHCC – Professional Lines Group we provide coverage solutions addressing allegations of negligence for the unique professional exposures a contractor faces by assuming the role of a general or specialized contractor, design / builder, construction / project / program manager and owner’s representative.
As professionals, architects and engineers face potential liabilities that place them at considerable financial risk because of the type and quality of services they deliver to their clients. Again, Northern Ohio E&S Agency teaming up with Tokio Marine HCC’s – Professional Lines Group provides coverage solutions addressing allegations of negligence against firms in their performance of professional services in disciplines such as architecture, engineering, surveying, and construction management.
Ready for Anything
Miscellaneous Professional Liability Product Highlights
Our Miscellaneous Professional Markets are well‐equipped to handle the complex insurance needs of this segment. Coverage is offered on a duty to defend policy form with flexible limit options. Our Markets are rated "A+" (Strong) by Standard & Poor and "A++" (Superior) by A.M. Best – admitted and surplus lines capability.
This miscellaneous professional liability program/policy is designed to provide comprehensive coverage for a wide variety of professional service industries. Professional liability insurance can mitigate the risk of high-liability and high-visibility lawsuits, helping to keep your budget and your reputation intact.
Professional transactions are expensive and complex. To ensure the success of your business and reputation, you need a trusted insurance carrier to help you manage a wide range of professional liability exposures. Our Miscellaneous professional liability product is designed for over a hundred different kinds of professionals.
Cyber Liability Coverages
The Protection You Need
In today’s digital and connected world, many companies and individuals fall victim to crypto mining, ransomware, and business email compromise. Concerned with continuity in the face of an event and subject to ever-tightening legislation, businesses now need to be cyber-ready.
Broad Coverages
Real Estate Professional Liability
Real estate transactions are expensive and complex. To ensure the success of your business and reputation, you need a trusted insurance carrier to help you manage a wide range of professional liability exposures. Our real estate professional liability product is designed for real estate agents, brokers, property managers, mortgage brokers, bankers, appraisers, auctioneers, and title professionals.
Cannabis Dispensaries
Cannabis Package Program
-
Commercial General Liability
-
Premises Liability- Occurrence or Claims Made
-
Products/Completed Operations Liability - Claims Made only
-
Hired & Non-owned Auto, Assault & Battery, and Employee Benefits Liability
-
-
Commercial Property
-
Building
-
Business Personal Property- Including stock, property in transit, & plants
-
Business Income
-
LRO’s
-
Equipment Breakdown
Eligible Operations
-
Producer/Grower - plant, cultivate, grow, harvest, and dry cannabis indoors, including greenhouses.
-
Processor - process, compound, or convert cannabis into cannabis products, concentrates, and/or extracts, including infusion centers. Infusion centers are defined as medical marijuana infusion (or manufacturing) - a facility that incorporates medical marijuana (cannabis) by means of cooking, blending or incorporation into consumable/edible goods.
-
Wholesalers - purchase quantities of cannabis from other licensed facilities and sell products to licensed retailers, processors, and/or to other wholesalers.
-
Dispensaries (Medical & Recreational/Retail) - sell/distribute cannabis products directly to consumers.
At Northern Ohio E & S Agency, Inc., we provide high-quality insurance at competitive prices. Give us a call today to find out more.
INLAND MARINE AND CONTRACTORS EQUIPMENT
This is a target niche to cross-sell Inland Marine coverages to the small to medium sized contracting segment. The program features the comprehensive AAIS coverage forms.
MP starts at $500
Scheduled Equipment Limits up to $250,000 available
Unscheduled Tool Coverage max $1,000 per item
Leased & Rented Equipment Coverage max $100,000 per item
Coverage that’s tailored for the specific risks associated with vacant properties and more.
• Vacant Dwellings
• Vacant Commercial Buildings
• Renovations
• New Construction
• Landlord Insurance
• Short-Term Rentals and Seasonal Homes (coverage available in select states)
Highlights
Named peril coverage (CP 10 10) and all risk coverage (CP 10 30) for qualifying risks
Property coverage up to $5 million
General liability coverage up to $1 million
Premises liability coverage for new construction up to $1 million
Admitted coverage in most states
Flexible policy terms: 3-, 6-, and 12-month policies in most states
Length of Vacancy – Longer than 3 years require a referral
See the coverages we can offer when we team up with our markets...
OUTDOOR AND RECREATION INSURANCE
Northern Ohio E&S is a leading provider of insurance for the outdoor sports, leisure, and recreation industries. We provide coverages for many different outdoor businesses, including outfitters & guides, rope courses, ATV tours, snowmobile tours, bicycle tours as well as amateur sports & special events. Policies can be tailored to fit the individual needs of each business and can respond to the unique exposures of the sports, leisure and recreation industries.
Our comprehensive insurance policies cover a wide variety of classes of business with low minimum premiums. Our Outdoor & Recreation policies provide coverages a business needs to safeguard their finances.
Classes of Business
HIGHTLIGHTS
Startups & New Ventures
Admitted & Non-Admitted Paper
Flexible Deductibles (including No Deductible Options)
Additional Insured Endorsements Available
Limits up to $30mil
Accident & Health Coverage
These are just some of the Classes and Highlights included in our Outdoor & Recreation Program. Our policies are adaptable to hundreds of other clases and products and include many other benefits.
We also offer Recreational Equipment Rentals(non-guided).
Our Special Event application provides General Liability coverage for many types of events. Please note that we can also add LIQUOR LIABILITY, Excess General Liability or Non Owned/Hired Automobile coverage if so desired. Also, if there are any questions about Host Liquor vs. Liquor Legal.
SPORTS & EVENT CANCELLATION - Our Sports Application provides both Spectator & Participant General Liability and Excess Accident Medical for many types of events. Also, offer XS GL & hired and non-owned auto..
Food Cart Operator
Caterer Service
Bartending Service
Performer (i.e. small band, dance group, costumed child character, etc.)
Merchandise Table
Information Booth
CONTRACTOR'S POLLUTION
LEGAL LIABILITY PLUS (CPL)
Our CPL policy provides best-in-class protection for contractors and other professionals from claims related to pollution incidents resulting from their work activities
Contractor's Pollution Legal Liability Plus (CPL).
Features:
Limits of liability up to $25M/$25M
Policy terms up to 3 years
Project policies up to 17 years in total coverage Provides coverage for clean-up costs, mold, legionella, bodily injury, property damage, business interruption, and legal costs
Coverage for Bankruptcy Litigation Expenses, Disaster Management Costs, Subpoena Expenses, and Litigation Expenses
Credit towards the SIR for the use of approved mediation
Facility coverage for owned locations and equipment yards
CONTRACTOR'S POLLUTION & PROFESSIONAL LEGAL LIABILITY PLUS (CPPL)
Our CPPL policy includes CPL coverage as well as coverage for errors and omissions in professional services, making it a more comprehensive insurance solution that addresses both pollution and professional liability risks.
Features:
Limits of liability up to $25M/$25M
Policy terms up to 1 year CPL coverages above plus:
*Protection for professional liability resulting from actual or alleged acts, errors, or omissions from professional services and legal costs
POLLUTION LEGAL LIABILITY PLUS (PLLP)
Our PLLP policy is a valuable insurance solution for owners and operators that offers coverage for pollution liability risks at a specified site(s), filling the environmental gap left in general liability policies.
Features:
Limits of liability up to $25M/$25M
Policy terms up to 10 years; 13 years for lenders
Provides coverage for pollution-related incidents as well as mortgage protection, diminution in value, business interruption, non-owned disposal sites, transportation of an insured's wastes or products, and contracting services
OWNER'S PROFESSIONAL PROTECTIVE INDEMNITY PLUS (OPPI)
Our OPPI policy protects project owners with tailored coverage and project-specific limits, which provides insurance protection for professional liability risks when the design professional's insurance is insufficient or unavailable.
Features:
Limits of liability up to $25M/$25M
Project policies with terms up to 5 years plus ERP and completed operations periods up to 12 years
Coverage for ADA and FHA Expense, Bankruptcy Litigation Expense, Building Information Modeling Expense, Disaster Management Costs, Subpoena Expense, and Litigation Expense
FOLLOW FORM EXCESS LIABILITY
Features:
Limits of liability up to $25M/$25M
Policy terms of up to 10 years and 13 years for lenders for premises accounts
No built in exclusions
Below are other Popular Programs
All About Us
Welcome to Northern Ohio E&S Agency. We have been in the Surplus Lines and Excess insurance business since 1976. We serve licensed P&C agents in the Great Lake States. These agents come back to us time and again because they know they can depend on our excellent knowledge and service. At Northern Ohio E & S Agency, service and creative solutions are our specialty.
We only used Best A rated markets or better.
With established relationships with numerous carriers, we can put together a reliable Insurance policy that offers the highest level of protection for you.
Get In Touch
Contact Northern Ohio E & S Agency, Inc. today through website or email: jpearse@bex.net