Resources | Arlington/Roe

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State Comprehensive Privacy Laws: A 2024 Overview

Over the past year, the landscape of state comprehensive privacy laws in the United States has significantly evolved, marking a pivotal moment for data protection and privacy rights. This shift towards more stringent data protection measures highlights the existing laws, the implications for violators, and the critical role of cyber insurance in navigating this evolving legal landscape.

2024 Q2 Hit List

Check out our list of recent successes!

Doing Business Well in a Harder Market

Going to a Broker can be a scary prospect, especially if you are new to the Insurance Industry or have not had the experience in doing so. For those of you who are seasoned in the industry, you may want to take advantage of a refresher too. This article, written by Richard Pitts, Arlington/Roe’s Vice President, General Counsel and Diane Smith, Sales and Marketing Manager will discuss how to do business with a wholesaler in this hard market. Some topics covered will include:

What is this market? Why does it exist?
What does the E&S market look like?
How to work with a broker or wholesaler.
How you can learn more.

Professional Liability Overview Flyer

We handle more than just professional liability! Whether you have a private company, nonprofit organization, public entity, governmental entity or sole proprietor, we have many options for these lines. We work with standard as well as hard-to-place markets.

What’s Going on with Liquor Liability?

As the liquor market continues to harden, the carriers are inundated with submissions, and it is imperative we work together to help provide solutions for liquor liability insurance. Evolving appetites have resulted in underwriting guidelines becoming even more stringent than in the past. This article can help

2024 Q1 Hit List

Check out our list of recent successes!

Cyber Insurance Definitions

Do you struggle selling cyber insurance because you don’t understand all of the cyber lingo? Do your clients not understand the difference between bricking and phishing? We’ve created a handy guide with cyber definitions to use within your agency and to share with your insureds!

Backup Restoration & How it Can Impact Your Client

When it comes to cyber attacks, one of the keys to a quick recovery and getting systems back up and running is having backups that are not only comprehensive but capable of successful restoration. Did you know backups fail to restore data for more than 1 in 4 businesses? This alarming statistic can have a devastating effect on your insured!

Small Business Help in a Hard Market

Seeing Rate Changes? Carrier guidelines and appetite shifts? Arlington/Roe is here to help you and your agency remain competitive as you navigate this hard market.

Agent Guide

This handy guide will give you an overview of Arlington/Roe products, solutions and industries.

Product Guide

Wholesale insurance broker and managing general agent. Serving independent agents since 1964. Let us help you find the right solution. Take a look at our product offerings.

Cyber – Let’s Talk Contingent Business Interruption!

Picture this: your insured’s website goes dark for hours because of a web hosting provider outage. Where would that leave manufacturers likely dependent on supply chain partners to complete their purchase orders? Such an outage can cripple their operations, leading to lost revenue. Not having Contingent Business Interruption (CBI) coverage will result in the insured absorbing that financial loss on their own. Does their current Cyber policy or endorsement include CBI coverage?

2023 Q4 Hit List

Check out our latest list of recent successes!

Commercial Agricultural Industry Sees Effects of a Hard Market

Commercial agriculture risks are not only seeing the negative effects of mother nature between natural disasters, storms, and droughts, but also a hard market.

Emergency & Non-Emergency Medical Transport

Non-emergency medical transportation (NEMT) provides rides to those who need special attention while being transported to and from health care facilities. This includes specially equipped vehicles that transport passengers using wheel chairs, gurneys or stretchers.

Standard Commercial Insurance

As a managing general agency and wholesale insurance broker, agents often think of us for hard-to-place, complex accounts, but we can also write standard, direct-bill business.

Specialty Auto

Our transportation team can help with your specialty auto risks including concession vehicles, blood mobiles, pilot car escort vehicles and much more!

Michigan PIP Ruling & the Impact to Healthcare Organizations

The Michigan Supreme Court ruled, in a 5-2 decision, that car crash survivors critically injured before the 2019 no-fault law are not subject to the law’s limits on medical benefits. So how does this relate to the healthcare industry? When PIP benefits were cut, many injured victims lost a significant amount of their funding for healthcare services. Home healthcare companies, healthcare staffing companies, hospice care providers, adult foster care homes, and many more healthcare organizations will be cropping up, and Arlington/Roe has the experience and market access to help you place coverage for these insureds.

Identifying Towing Risks’ Coverage Needs

When it comes to towing risks, exposures don’t stop at trucks. Whether they are providing automobile service work, mobile/roadside operations or auto storage operations, Arlington/Roe can help you offer everything your risks need.

Excess Options for Cyber

Did you know that 98% of cyber attacks were caused by business email compromise and phishing? Consequently, small businesses saw a 40% increase in ransomware attacks and a 54% increase in funds transfer fraud incidents over the past two years.

Healthcare Work Comp

Arlington/Roe offers workers’ compensation solutions for your healthcare clients, including access to AmTrust’s exclusive product.

2023 Q3 Hit List

Article: The Emerging Need for Wind/Hail Buyback

The property market has been turbulent for the first half of the year, to say the least. We are seeing the standard and E&S markets increasing deductibles, lowering or removing supplemental coverages, sublimits, and increasing premiums for property in general. One area we would like to touch on is the increase in deductibles, specifically for wind/hail, and how we can mitigate the burden for the insured while helping you sell an account.

Investor Property Program

Our Investor Property Program is designed for real estate investors owning multiple properties. By eliminating the hassle and extra cost of insuring each property individually, our program simplifies their insurance into one convenient master policy

Article: Market Changes in Excess Trucking

Trucking companies continue to face significant challenges not only within their day-to-day operations, but they are also seeing substantial impacts on their insurance rates and premiums. Check out this article that discusses these changes.

Need Contractors E&O – Project Specific? We have a market!

Do you have an insured who needs to have Contractor’s E&O in place to satisfy a contract requirement for $2 million or less? Are you looking for an option that allows your insured to start with a project-specific policy and be able to grow into broader coverage as the Insured grows, needs coverage for more than one project, or higher limits required? We can help with that on some select contract classes.

Excess & Pollution Liability for Contractors

One of the biggest insurance challenges for contracting exposures relates to contact requirements. Bids often require proof of insurance showing high liability limits (usually fulfilled by obtaining excess limits) and/or carrying contractors pollution coverage.

Equine Coverages

Did you know that Arlington/Roe offers insurance coverage designed to cover equine-related risks as well as equine mortality in our farm department?

2023 Q2 Hit List

Check out our recent successes!

Fleet Trucking Markets & Submission Requirements Checklist

We would like the opportunity to write your fleet trucking risks. This document includes a list of our markets and the coverages available as well as a breakdown of number of units and states available. In order to make the quoting process as easy as possible, there is also list of the items we need to quote your fleet trucking risks. Additionally, we will need the appropriate fleet application with historical information complete.

Commercial Lines Target Classes

We can help you place insurance for a wide variety of commercial industries. If you’re having difficulties finding coverage for your insured, our experienced team of underwriters and brokers have access to over 200 markets. Check out this one page guide of target classes.

Owner’s Interest for Construction Project Owners Article

Construction project owners face an assortment of risks during and after construction on their property. Project owners also face considerable liability related to actions performed by independent contractors.

Insuring Buses

While transportation is one of the most valuable services today, owning and operating a bus involves a risk threshold. There are many classifications for buses, and they can be for-hire or not-for-hire. Here is a handy one-pager to help you identify some of the different classes.

Importance of a Complete Submission – For-Hire Trucking

When you’re working in a fast-paced environment, it’s easy to get sidetracked and even harder to get back to the task at hand. One way to ensure we stay on the more efficient path is having a complete submission. Your time is extremely valuable, as is ours. Spending time on quality submissions is a no brainer; however, putting time into something knowing it’s going nowhere is a waste of time for all parties involved.

Is Your Insured Adequately Covered for Employment Practices Liability?

Does your insured carry adequate Employment Practices Liability (EPL) coverage? If your insured’s coverage does not have certain specifications, it may not be broad enough.

Navigating Marine Insurance Terminology

Do you know the difference between marine general liability and commercial general liability, what about bumbershoot vs. umbrella. We have created a handy one-page guide to navigating marine insurance terminology. Check out our guide to better understand marine insurance.

2023 1Q Hit List

Check out our newest list of accounts that we have written.

Representations & Warranties

Many businesses are going through Mergers and Acquisitions these days. Having a Reps & Warranties (R&W) policy in place can help avoid delays and keep the deal on track. R&W Insurance can help protect the Insured from financial loss or liability resulting from their Mergers & Acquisitions (M&A) Agreement.

Liability Coverage to Protect Construction Project Owners

Construction project owners face an assortment of risks during, and after construction on their property. Project owners also face considerable liability related to actions performed by independent contractors. There are three major types of insurance policies available for property owners to make sure they are covered properly.

Influencers – The New Up and Coming Media Liability Exposure

We all are familiar with the risk classes that normally need Media Liability coverage. What you may not be as familiar with are influencers, also known as content creators. Social media has helped catapult influencers, seeking fame, massive followers and a steady income, into Media Liability exposures.

Personal Lines Overview

Check out all of the areas that our personal lines team can help you out!

Garage Definitions

Are you new to writing garage policies? Trying to decide if you need a GL or a garage policy? Unsure what garagekeepers covers vs dealers’ physical damage and dealer operations? Check out this handy guide to garage definitions.

Tips & Tricks fo Working Cyber Renewals

Cyber insurance has been quite the adventure the last two years, and it isn’t likely to slow down for a while. While the market certainly seems to be finding its stride as we all get more comfortable using terms like MFA and VPN, it’s still a constant learning curve for those of us lucky enough to be on this adventure. We do have some tips and tricks for working on cyber renewals.

State of the Property Market for 2023

As we head toward 2023, the property market looks to get even more turbulent. We want to inform you of these changes in an effort to provide realistic expectations to you and thus, prepare your insureds.

2022 Q4 Hit List

Check out our recent successes from the third quarter of 2022!

Attorney Firms are NOT immune from lawsuits!

Attorneys can and do make errors and/or omissions like everyone else. To make matters worse, their practice areas can put them at a higher risk for lawsuits.

Commercial Inland Marine

Our inland marine markets offer bailee’s customer coverage, builders risk, exhibition & fine arts coverage, installation floater and motor truck cargo coverage.

Miscellaneous Professional Liability for Miscellaneous Professionals

If your insured provides professional services for others for a fee, their wrongful act, error or omission, or even failure to render professional services can cause a financial loss to their client. That will likely result in a claim that will not be covered on a General Liability policy because it arose out of their professional services.

Tech E&O Claim Example

Your technology insured needs to have Technology E&O, Media Liability, Comprehensive Cyber as well as Risk Management & Pre-Breach tools. As a technology professional, you can face a lawsuit over Media content, Intellectual Property Infringement, Defamation, Faulty Advice, Faulty Platforms, Programming Errors, etc. If your insured does not have the proper technology coverage in place, it can be very costly.

How to Sell a Towing Account Article

Current estimates in the United States show there are around 47,000 car towing businesses registered; employing 110,000 people. This means for insurance agents, there is likely a towing business in your backyard that needs proper insurance coverage. We’ll look at common coverages, what they do, and how we can help you write towing accounts with Arlington/Roe’s markets.

Transportation Overview Flyer

This transportation market overview shows areas where we’re seeing success within our transportation department.

Hit List 2022 Q3

Check out our recent successes from the second quarter of 2022!

Did you know that Architects & Engineers Professional Liability coverage is not just for Architects & Engineers?

An Architects & Engineers Professional Liability policy is also designed for Interior Designers, Land Surveyors, Pollution Consultants, Project Managers and Other Construction
Design Professionals. Your design professional clients could get sued for things like flawed design, errors or miscalculations, defects, not delivering the services they were contracted to provide, among other wrongful acts. Those errors or flawed designs can lead to costly construction delays, property damage and defense costs.

Garage & Dealers Flyer

We offer garage coverage for both dealer and service/repair risks on a wide variety of classes. We provide coverage for dealers involved in the selling and servicing of autos as well as service operations engaged in repairing, towing, servicing, salvaging and valet parking of autos.

Contractors E&O Flyer

My artisan contractors have general liability, so they don’t need contractors’ professional liability, right? Wrong. your artisan contractors need to carry contractors’ professional liability. They have exposures their general liability will NOT cover like faulty workmanship, pollution, rectification costs and professional liability.

COVID-19’s Impact on the Life Sciences Industry Article

More than 6 million people have died worldwide as a result of COVID-19. As a result, there have been changes in how healthcare is researched, developed and delivered. The life sciences industry continues to be an ever-evolving and rapidly growing segment.

Agricultural Irrigation Equipment Flyer

Many companies do not like to include pivot irrigation systems on the inland marine of a farm policy. We have a specialty program that will write these as a monoline inland marine/equipment policy through Chubb.

Carrier Differences and Their Impact on Contractor’s Liability Article

Contractors are in high demand while materials are in short supply, and the cost of lumber is significantly higher than in years past, but none of that is stopping the growth in this industry. From new home builders to remodelers, the construction industry is rapidly changing, and carriers are adapting to keep up with the growing demands and changes. We see daily requests for new startups, established contractor businesses, or contractors who have experienced losses. We have solutions for a lot of these situations, but it is beneficial to understand the differences between the carriers and what they will provide.

Employment Practices Liability & FLSA

The Fair Labor Standards Act (FLSA) is in place to make sure nonexempt employees are paid a fair minimum wage. It also ensures they are paid properly for overtime, defines hours worked, mandates
record-keeping, and protects children from working excessive hours.

Delta-8 and Cannabis Insurance Article

Delta-8 is a cannabis compound that has a similarity to delta-9 THC, the main compound in cannabis that produces a high. The similarities between the two cannabinoids is in their chemical structures and names. THC’s scientific name is delta-9-tetrahydrocannabinol, or delta-9 THC or just delta-9. Delta-8 is short for delta-8-tetrahydrocannabinol, or delta-8 THC. Delta-8 can produce effects like regular delta-9 THC, but they are much less potent.

REPORT: Cyber Premiums Increased by 34.3% in Q4 2021

The cyber insurance market is seeing a massive shift as premiums have increased for the 17th consecutive quarter in a row, according to results from The Council of Insurance Agents & Brokers’ Commercial Property/Casualty Market Index.

Specialty Homeowners Flyer

Our homeowners markets give us the flexibility to write with unique underwriting conditions and find coverage for your hard-to-place risks that are not eligible for a standard homeowners program.

2022 Q2 Hit List

Check out our newest list of accounts that we have written in the first quarter of 2022.

What Are Life Sciences Article

Life sciences is a quickly growing and rapidly-changing industry whose organizations research, develop and implement products and pharmaceuticals for disease prevention, treatment and cures, as well as aides to daily life.

Nurse’s Professional Liability Flyer

If you have clients who are nurses, have you checked with them to see if they have a professional liability policy?

Product Recall

Product recalls are becoming a large part of business operations for many industries due to significant testing, safety regulations and increased attention from the media. No matter where a company falls within a supply chain, its operations and products still pose a significant risk of being involved in a recall.

My Insured is Thinking About Selling Their Business. Now What?

If your insured tells you they are selling their business, it is time to provide them with Transactional Liability coverage. This coverage can help your insured for those “unknown” breaches of representation or warranty claims resulting from the financial loss caused to the buyer due to that “unknown” breach. We have a market that can provide Transactional Liability coverage for 100% of enterprise value for indemnity and defense costs, should they have a buyer claim.

D&O Independent Liability

Independent Director Liability coverage is good to carry, especially if your insured is a wealthy individual who serves as an independent director on multiple company boards. This policy would be in the name of the independent director and is designed as excess over any underlying coverage or indemnification.

Understanding and Writing Public Auto Accounts

Here at Arlington/Roe, we enjoy helping our agents write public auto accounts. In fact, public auto represents roughly 20% of the premium that we write within our transportation department; it’s a big part of what we do. Given its importance, we thought we’d answer some questions regarding public auto risks and give you some tips on how to be successful writing this class of business.

What to Expect in the Property Market in 2022

As we move into 2022, we are seeing significant changes in the property market. We want to inform you, our agency partners, of these changes so we can provide realistic expectations to you and thus, you can prepare your insureds.

Contingency Products Flyer

Insureds understand that there is a painful financial loss when their events cannot take place. Our brokerage team can help craft coverage solutions to encompass clients’ contingency needs and the necessary and unavoidable cancellation, abandonment, disruption or rescheduling of the event for reasons beyond the insured’s control. We work with a range of clients and can include anyone with a financial interest in the event, project or campaign.

Business Service Bonds

Business service bonds are a type of surety bond that protects your clients’ customers from acts of theft, larceny or fraud committed by the business owner or their employees working at client locations.

Security & Patrol Flyer

This class of business is designed for small to medium-sized investigative or private detective agencies that work primarily for insurance companies, law firms, or corporations

D&O Excess Side A Article

Excess Side A with DIC is an important policy to have, especially since there has been an increase in bankruptcies and insolvencies. This year, bankruptcies and insolvencies are expected to continue increasing, leaving your insured even more exposed than before.

Products Liability Manufacturing & Distribution Flyer

We can tailor a policy specifically designed to meet the needs of your insureds no matter their size, from small, start-up accounts to large, complex accounts.

Cyber – No More Honor Amongst Thieves Article

Double extortion is on the rise. This article addresses the threat of ransomware as well as various prevention methods. Our Professional Liability team is ready to discuss cyber liability options to help your clients.

MFA Whitepaper Report

The realization of password abuse by both users and cybercriminals has led to cyber insurers now requiring that nearly all risk classes implement the use of Multi-Factor Authentication. Read this white paper to learn more about the use of MFA and its implications in the cyber insurance market.

High Value Solutions Flyer

High Value Solutions provides individualized coverages customized to the unique needs of affluent individuals or those with emerging wealth. Affluent clients expect concierge-type service, requiring a higher level of expertise and service from both their insurance agent and their insurance company

Manufactured Homes Flyer

With the low supply of homes and prices skyrocketing, manufactured homes are becoming more popular. Insuring manufactured homes has been at the heart of Arlington/Roe’s business since 1964.

Understanding Surety Bonds

What is a Surety Bond? A surety bond is a written commitment between three individual parties which guarantees a contract’s execution as it has been agreed upon. Contractual aspects which are addressed by surety bonds include price, performance and payment agreements.

Marine/Watercraft Combined Flyer

Coverages available for various artisan contractor and miscellaneous marine risks.

Farm and Ranch & Commercial Agribusiness Flyer

We have admitted package markets available which may include agronomy E&O, chemical blending E&O, feed mixing E&O, misapplication, misdelivery and seed merchants E&O. We can write business in the following areas: Farm Supply, Ag Trucking, Ag Contractors, Food Products.

Non-Fleet Trucking Flyer

Operations & Coverages

Hit List 2022 Q1

See our list of recent wins!

Nonprofit Flyer

Nonprofits face unforeseen accidents that can be financially devastating

Public Auto Flyer

Check out our flyer!

D&O – Personal Liability Flyer

Whether your insured is a director or officer for a public company, private company or even a nonprofit organization, their personal assets are at risk if they are sued personally for actual or alleged wrongful acts in their management of the company or organization. Their personal assets include their cars, houses and bank accounts.

Commercial Umbrella & Excess Liability Flyer

Our knowledgeable commercial brokerage team is ready to help you provide that extra layer of protection for your insureds.

Public Official Bonds Flyer

Public official bonds are surety bonds that guarantee a public official will perform the duties of office faithfully and honestly. In most cases, a surety bond is required in order to hold office. While these duties may vary by position and applicable law, a public official is obligated to act in the public’s best interest at all times and will be held personally accountable, with few exceptions, for the duties and responsibilities of that position.

Bonds Overview Flyer

Round out your accounts by selling bonds to your commercial clients.

Court Bonds Flyer

Court Bonds are a type of surety bond required by the courts that someone post a bond guaranteeing performance. In other words, someone makes a monetary investment to ensure that something happens as it should. There are different judicial bond types, depending on the kind of court proceeding.

License & Permit Bonds Flyer

License and permit bonds are a type of surety bond that protects consumers from harm by guaranteeing businesses will adhere to laws and other regulations enforced by federal, state and local government agencies. Each license bond is distinct to one particular industry and protects consumers and/or the state from any potential damages.

Construction Bonds Flyer

Construction bonds are a type of surety bond that protects against disruptions or financial loss due to a contractor’s failure to complete a project or failure to meet contract specifications. These bonds ensure a construction project’s bills will get paid.

VP, Commercial Binding Team Leader Terri John, addresses the changing commercial market

Terri John, Vice President, Commercial Binding Underwriting Team Leader, addresses the changes we’re seeing in the commercial marketplace. Between changing carrier appetite, raising rates, amending classes of business and carriers non-renewing accounts and/or exiting markets.

The good news is that we have a multitude of solutions and can help find the right one for your client. Watch the video for a full update and reach out to a member of our commercial binding team if you have a risk you need help on.

Is Your Insured’s Independent Contractor an Employee? Article

If your insured thinks they are hiring an independent contractor, they may want to verify if that is true. Currently, there are five factors used by the DOL to determine if they are an independent contractor or an employee. Out of that, two factors have the most weight. These two factors can be confusing, so that is why President Joe Biden recommends using the CA ABC Test as the standard.

Hit List 2021 Q4

See our list of recent wins.

RLI Personal Umbrella Flyer

Arlington/Roe offers RLI’s Personal Umbrella product which allows you access to the EASY ONLINE QUOTING system with electronic signature and online payment options!

Health Nutrition and Lifestyle Coverage Flyer

We offer comprehensive coverage for health, nutrition and lifestyle companies. This industry is expanding beyond $40 billion in US retail sales, and as the industry expands, so do the risks.

UAV Drones Flyer

An unmanned aerial vehicle (UAV) is an aircraft that carries no human pilot or passengers. UAVs (also called drones) can be fully or partially autonomous but are more often controlled remotely by a human pilot. Our aviation team is well versed in “drone insurance” and all of the various coverages that may be necessary for the specific needs of operators and non-owner end-users of unmanned aircraft.

Trampoline Parks Flyer

If you have clients in the trampoline park industry, then you’re aware they know how to throw a party. Entertainment businesses often come with hard-to-place exposures that aren’t all fun and games. We can help you place insurance needed to protect your clients from these exposures. Our market access and experience allows us to tailor an insurance program to fit a wide variety of needs in case property damage, accidents or injuries crash the party.

Understanding Cyber Liability Article

MFA? Air-Gapped Backups? Email Filtering? What are these? These are all important keys your insured should have to help prevent cyber claims and ransomware attacks.

Preferred Fleet Trucking Flyer

Our preferred markets provide primary auto liability, auto physical damage and general liability to a broad array of trucking operations with 10+ power units

Towing & Car Hauling Flyer

Let us help you find the right solution!

Artisan Subcontractors Professional Liability Flyer

Do you need help placing insurance for your Contractors E&O risks? Are your carriers taking rate? Do you need help bridging the gaps between their GL regarding faulty workmanship, contractors pollution, design error rectification and professional liability? We have access to a slot-rated, instant indication product that could be the right solution for you!

Tenant Discrimination Liability Flyer

Tenant discrimination claims can be very expensive to defend. Purchase a tenant discrimination liability policy for your insureds who are property managers or owners today!

Tech E&O Flyer

Does your insured with technology risks have all the coverage they need?

D&O Stand Alone ERP Flyer

Your insured is going through a merger and acquisition and is required to purchase Extended Reporting Period (ERP) for directors and officers liability. But your insured never carried a D&O policy. Now what? We have markets that will offer Stand Alone ERP even if your insured carried no prior coverage.

D&O Nonprofit Flyer

Tax-exempt does not mean suit-exempt! Despite their tax-free status, directors and officers for nonprofits can be sued and their personal assets are still at risk. Defense costs alone can compile, so make sure you have your nonprofits covered.

Accountants, Bookkeepers & Individual CPAs Professional Flyer

See our target classes, highlights and programs available.

Architects & Engineers Professional Liability Flyer

Architects & Engineers Professional Liability rates are on the rise. Due to COVID 19, many projects are, or will be, delayed. Additionally, shifting the method for project completion can be challenging. Good risk management services, contract reviews and pre-claim assistance are essential to help to mitigate losses and navigate issues

Ransomware & Excess Cyber Liability Flyer

Ransomware attacks are on the rise and can bring in massive losses of $5 million or more. Your insureds may need Excess Cyber Liability coverage and additional Loss Prevention Protections to ensure they are covered. Phishing emails are one of the most commonly used ways of initiating ransomware attacks. Catching phishing emails before they are opened is one of the keys to cutting down on bad actors’ ability to carry out these attacks via ransomware (malware).

Public Entities & Municipalities Flyer

Arlington/Roe has access to some of the most comprehensive and cost-effective municipal insurance programs in the country. We can create custom policies for the public sector tailored to the insured’s unique individual needs.

Cyber Liability for Individuals Flyer

Individuals are the new target for cyber criminals! Easy connections can make anyone an easy target, so don’t let your insureds become a victim. It might be tempting to assume cyber criminals are strictly after business information, but the truth is cyber coverage is just as important for individuals!

Cyber Liability Flyer

Don’t let a lack of multi-factor authentication stop your insured from being able to obtain Cyber Liability coverage! Even if your client has a cyber security plan, they need to be prepared with cyber liability insurance to manage and mitigate risk.

Hit List 2021 Q3

See our recent list of wins!

Environmental Package Flyer

Environmental package policies go beyond just writing the general liability and pollution liability. We have a number of markets for fixed site locations, restoration contractors and manufacturers & distributors. We are able to take a package policy approach to eliminate coverage gaps and are designed to meet an insureds specific business needs.

Contractors E&O Flyer

Build broader insurance for your contractor with Contractor’s E&O/Pollution Liability.

EPLI Flyer

Claims can arise from the following and more, so make sure your insureds are covered!

D&O Private Company Flyer

Is your insured making excuses for not carrying D&O insurance? Excuses like, “We are a private company; no one will sue us,” or, “My personal assets are not at risk!” Make no mistake, private companies can be sued and their directors and officers’ personal assets are at risk. Claims for company and financial mismanagement and shareholder derivative demands are on the rise. Additionally, lack of oversight and social inflation is increasing the cost of claims.

D&O Flyer

DON’T LET YOUR INSURED LOSE THEIR ASSETS! Their company or organization’s assets and also their directors & officers personal assets are at risk. Don’t leave them bare and exposed.

Quote, bind, pay and be on your way!

When it comes to insuring special events, time is money! You now have the ability to quote, bind and pay for special events online. The process is quick, efficient and cost-effective. You’re just a few clicks away from providing your applicant with a certificate of insurance that includes additional insureds.

Life Sciences Flyer

Life sciences organizations are those that research, develop, and implement products and pharmaceuticals for disease prevention, treatment, and cures, as well as aides to daily life. We offer a comprehensive array of products and completed operations liability, premises and ongoing operations liability, clinical trial and errors and omissions coverage – all in one policy – and easily tailored to meet the unique needs of life science companies. We afford you the flexibility to tailor coverage to meet the specific needs of your individual client

Mortality Flyer

Customized coverage for major losses, from accidents to death.

Hit List 2021 Q2

See our list of recent wins.

Auto Service & Repair Shops Flyer

Our customized policies for large & small auto service garages and mechanics are designed to protect these businesses from costly claims that result from unexpected accidents such as customer injury and property damage.

Aviation Flyer

Since 1991, Arlington/Roe has been a leader in aviation insurance. Our brokers are poised and ready to provide exceptional service and help you place coverage in a hardening market. We have the knowledge and experience in this specialized field to write a wide variety of aviation risks.

Amusement & Entertainment Flyer

If you have clients in the entertainment industry, then you’re aware they know how to throw a party. Entertainment businesses often come with hard-to-place exposures that aren’t all fun and games. We can help you place insurance needed to protect your clients from these exposures. No matter the size or the unique nature of your client’s business, our market access and experience allows us to tailor an insurance program to fit a wide variety of needs in case property damage, accidents or injuries crash the party.

Primary & Excess Flood Flyer

Learn more about how we can help you find the right flood solution!

Commercial Auto & Garage Flyer

Top Classes & Coverages

Lessor’s Risk Flyer

Owners of commercial property leased or rented to others have a substantial investment that can be exposed to a wide variety of risks. Your customers need an insurer that understands the commercial rental market and how best to protect their assets. We can help provide that solution.

Machinery Equipment & Repair Flyer

Contact your commercial lines underwriter for more information.

Fleet Trucking Flyer

Check out highlights, operations, requirements and market options.

Site Pollution Flyer

Site pollution, also commonly referred to as environmental premises pollution, pollution legal liability, or environmental impairment liability is designed to provide coverage for a pollution event at, on, or emanating from a specific scheduled location. Our knowledgeable commercial brokerage team can help you find the right coverage for your insureds.

Dwelling Flyer

Arlington/Roe’s Personal Lines team has many options available for your dwelling coverage needs. We can deliver competitive quotes from both admitted and non-admitted carriers, based on your client’s needs.

Farm & Ranch Flyer

Arlington/Roe’s farm department offers a broad base of products to independent agents. Expertise, markets and quality services set us apart from our competition

Non-Emergency Medical Transportation Flyer

Non-emergency medical transportation (NEMT) provides rides to those who need special attention while being transported to and from health care facilities. This includes specially equipped vehicles that transport passengers using wheel chairs, gurneys or stretchers

Habitational Flyer

We have insurance solutions to fit a variety of habitational risks. From one-family dwellings to student housing to large apartment complexes, our carriers have the solutions to solve your client’s needs. We understand the unique characteristics and types of exposures rooted in these risks. Let us help you tailor a habitational insurance program to protect your client against financial strain brought on by unanticipated loss or liability.

Hit List 2021 Q1

Arlington/Roe is a managing general agency and wholesale insurance broker with specialty focuses. Our underwriters and brokers coordinate among specialty teams to meet the needs of multi-faceted risk opportunities. Featured in this flyer are accounts we have written recently.

Health & Exercise Clubs and Personal Trainers Flyer

Shaping up with coverage that fits! Property and liability coverage available on a monoline or package basis

Mobile Repair Flyer

Find out what we can write.

Limousines Flyer

Our transportation team can help you address the unique and challenging insurance needs of your clients.

Environmental Flyer

Our environmental carriers have product offerings to better meet the needs of your clients with environmental exposures.

Excess Professional Liability Insurance Flyer

Are your carriers reducing capacity, or do your insureds need excess limits due to a contract requirement? Before you say no, call Arlington/Roe! Carriers are reducing capacity, and some contracts are still requiring higher limits. We have markets that can help with excess coverage in both situations.

Public Official Liability Flyer

Are you looking for a monoline public official liability solution? Are you struggling to find a market for a hard-to-place public official liability exposure? Before you say no, call Arlington/Roe!

Salvage Yards Flyer

Automotive salvage yards are also known as junkyards, auto recycling centers, scrap yards or parts yard (just to name a few).

Online Rating Flyer

Check out our Online Rating capabilities!

Truckers General Liability Flyer

Contact your commercial lines underwriter for a quote!

Commercial Auto Contractors Flyer

Let us help you find the right solution!

Personal Umbrella Flyer

Arlington/Roe offers Personal Umbrella and Personal Liability products for financial protection and peace of mind. We have markets for your preferred, standard and high-risk clients.

Restaurants, Bars, Taverns & Liquor Liability Flyer

We’re able to help you place insurance needed to protect your customers who own bars, taverns, restaurants and many other types of food service companies or those with liquor liability exposures.

General Contractors & Remodelers Flyer

Whether constructing residential homes, commercial or industrial structures (including apartments), or offering remodeling services, we can build the right coverage for your client’s business.

Miscellaneous Professional Liability Flyer

Did you know? Miscellaneous professional liability insurance is for claims that may result from your client’s professional services or their failure to render those services. The costs of defense and judgment can be very expensive and detrimental to small businesses in particular. Most GL policies exclude professional services, so this coverage is very important to make sure your insureds are protected. If your clients provide miscellaneous professional services to others for a fee, they have this exposure.

Auto and Scrap Metal Recyclers Program Flyer

Admitted paper package product.

Real Estate Professional Liability Flyer

Do your property managers/real estate agents need coverage for both owned and non-owned property (sale, management up to 100 percent owned or both)? Is your insured worried about Fair Housing Discrimination claims for both property managers & real estate agents? Does your insured need coverage for real estate development or REIT’s? We have markets for these exposures, and we can help you find the right solution!

Lawyers Professional Liability Flyer

Are you running into issues finding markets for hard-to-place areas of practice, solo firms, non-renewed or firms with claims? Or are you looking for competitive markets for your standard attorney firms? Either way, one of our experienced Professional Liability Brokers can help you find the right solution!

Standard Small Business Flyer

As a managing general agency and wholesale insurance broker, agents often think of us for hard-to-place, complex accounts, but we can also write smaller, standard business.

Healthcare & Human Services Overview Flyer

Our experienced Healthcare & Human Services brokers understand the risks and exposures providers face today. We are familiar with regulatory changes, models of care, contractual obligations, and how these ever-changing trends affect the marketplace. Let us help you put together solutions ranging from comprehensive packages to specific coverage carve-outs.

Vacant Property Flyer

Most insureds are not aware of the restrictions in their commercial property insurance when a building is unoccupied or vacant. Vacant commercial real estate is at higher risk of vandalism and theft. Damages to vacant properties can also be worse following a storm or fire, as no one was immediately available to assess the situation.

Short-Term Rentals Flyer

See some classes and examples.

Contractors Flyer

See classes of business, coverage details, and product highlights here.

Commercial Agribusiness Flyer

We have admitted package markets available which may include agronomy E&O, chemical blending E&O, feed mixing E&O, mis-application, mis-delivery, and seed merchants E&O.

Trucking

Check out our markets!

Active Assailant Flyer

Active assailant attacks are a real and present threat with new incidents being reported with growing frequency. Eradicating the risk of a violent attack may be impossible but preparing for one is essential.

Liquor Liability Flyer

If you have clients with businesses that sell alcohol, there is always a chance their business may be held liable for their actions such as selling alcohol to a minor or to a patron who is visibly intoxicated. You can help your clients take steps to protect themselves in the event such an occurrence arises. Even if an establishment is not found liable, defending a liquor claim can be quite costly. Liquor Liability can be written monoline or as a package for a variety of classes.

Seasonal Businesses and Events Flyer

Fall is here and with winter right around the corner, your clients may need specialized coverages that are hard to find for seasonal businesses and festivities. Through market knowledge and underwriting expeience, we can help you solve your clients’ needs.

Animal Shelter Flyer

Animal Shelters: nonprofit municipal shelters that house stray, abandoned and no longer cared for animals on behalf of local governments Animal Rescue Groups: dedicated to pet adoption and often utilize foster home services run by volunteers who take in and care for animals while trying to find them a suitable home Shelter & Rescue Opportunity: for risks with up to 100 animals including cats, dogs and domestic animals

Cannabis Multiple Products Flyer

Marijuana, hemp and CBD are all part of an emerging business sector with a unique set of challenges and risks. We have a dedicated cannabis team that can help you find coverage for your client’s business.

Loggers Flyer

Arlington/Roe has monoline workers’ compensation available for loggers.