All Risks Launches New Earthquake Insurance Program – Learn More

All Risks, Ltd. Blog

All Risks, Ltd. Welcomes Lindsay Ventura, Underwriter for Insurance Agents E&O Program

Posted by admin on Aug 14, 2018 3:07:39 PM

HUNT VALLEY, MD (August 14, 2018) – All Risks, Ltd., the nation’s largest independent wholesale insurance brokerage firm, welcomes Lindsay Ventura as an Underwriter for the Insurance Agents Errors & Omissions program for the National Specialty Programs unit.  In her new role, Lindsay will underwrite Professional Liability coverage for insurance agents.  Multiple coverage options are available, including Defense Outside the Limits, First Dollar Defense, Aggregate Deductibles, and Privacy.  All Risks can consider any mix of Life/Accident & Health and Property & Casualty products and can directly write retail, wholesale and Managing General Agent/Program Administrators (MGA/PA) agencies or accept business through retail brokers.  As part of the National Specialty Programs unit, this program is available nationwide.

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Tags: National Programs, Press Release

Amanda Dolan Joins All Risks, Ltd.'s Distribution and Broker Partnership Team as Vice President, Executive Broker Manager

Posted by admin on Aug 1, 2018 11:21:18 AM

HUNT VALLEY, MD (August 1, 2018) – All Risks, Ltd., the nation’s largest independent wholesale insurance broker, announces Amanda Dolan will join the Distribution and Broker Partnership team in a new role as Vice President, Executive Broker Manager.

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Tags: Press Release

Good Preparation Can Be the Best Defense

Posted by Kim Stone-Vilim, CPA on Jul 27, 2018 2:50:37 PM

The following article was written by Kim Stone-Vilim, CPA. Kim is the Accountants Program Manager at All Risks, Ltd. in Geneva IL. She can be reached at

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Tags: professional liability

All Risks, Ltd.'s Dallas Office Welcomes Brokers, Andrew Baker & Richard Deal

Posted by admin on Jul 18, 2018 3:52:06 PM

DALLAS, TX (July 18, 2018) – All Risks, Ltd., the nation’s largest independent wholesale insurance broker, is pleased to welcome Andrew Baker and Richard Deal to the Dallas, TX office.  Andrew will focus on Auto Liability, Inland Marine (Motor Truck Cargo), Excess and Umbrella, Business Auto, and Motor Truck Cargo for auto-related risks in the South Central region.  Richard will concentrate on construction risks in Texas, Oklahoma, and Arkansas.

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Tags: Property, Commercial Lines, professional liability

All Risks, Ltd. Launches Private Flood Insurance Product For Homeowners

Posted by admin on Jun 19, 2018 1:30:45 PM
RICHMOND, VA (June 19, 2018) – All Risks, Ltd., the nation’s largest independent wholesale insurance broker, is pleased to announce that it has launched a Private Flood Insurance program for personal property in 46 states. Written through an A.M. Best “A” rated carrier, the primary flood product offers higher limits and more robust coverage than the National Flood Insurance Program (NFIP).

Coverage Limits:
• Dwelling – up to $1,000,000
• Contents – up to 70% of dwelling value
• Other structures – 10% of dwelling value
• Loss of use – 20% of dwelling value

Insureds are able to choose among numerous deductibles as well as additional coverage options, including Loss Avoidance, Debris Removal, Increased Cost of Compliance, Mold Prevention Costs, Additional Living Expense and Landlord’s Furnishings. Occupancies include owner - primary and secondary, rental - annual and seasonal, vacant properties and builders’ risks in all states excluding Alaska, Hawaii, Illinois and Kentucky.

Other key benefits of All Risks’ Private Flood Insurance program include:
• No waiting period for coverage to take effect
• No elevation certificates required
• Worldwide coverage for personal property
• Broader definition of coverage for other structures

“While we are very excited about launching this initial Primary Flood product, we are already very near to expanding the product offering with multiple carrier partners, higher coverage limits and enhanced coverage options; all made efficient for our agent customers to access through our QuickHome portal,” stated Lee Branson, All Risks Vice President, Personal Lines.
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Tags: Property, Personal Lines, Online Quoting

All Risks, Ltd. Offers New Exclusive Workers' Compensation Product for Restaurants with Delivery

Posted by admin on Jun 18, 2018 12:03:24 PM
RICHMOND, VA (June 18, 2018) – All Risks, Ltd., the nation’s largest independent wholesale insurance brokerage firm, now has a new exclusive agreement with an A.M. Best "A+" rated carrier to offer competitive Workers’ Compensation (WC) insurance to restaurants with delivery operations. Coverage is available in all states except Alaska, Hawaii, North Dakota, Ohio, Washington and Wyoming. Minimum premiums start at $2,500 and there is no percentage delivery maximum.

Retail insurance agents nationwide can receive a Workers’ Compensation quote for restaurants with delivery operations under the following class codes:
• NCCI: 9082, 9083, 7380, 8742, 8810
• DE/PA: 0975, 0897, 0951, 0953
• MI: 9058, 7380, 8742, 8810
• NJ: 9079, 7380, 8742, 8810
• NY: 9074, 9072, 7380, 8742, 8810
• TX: 9079, 7380, 8742, 8810

New ventures are allowed and multi-location/multi-state risks are also eligible. Retail insurance agents can submit a completed and signed ACORD 130 application, All Risks supplemental application, current year and three years prior loss runs currently valued (last 90 days), current year premium and payroll, current e-mod worksheet, and large loss detail for any losses above $25,000 for a quote. To receive a WC quote, contact your regional All Risks WC Underwriter direct.

“As a leader in providing Workers’ Compensation insurance, we are proud to introduce this product for a class that can be challenging to place for our retail partners due to the delivery exposure. Not only are we providing new capacity but it is with a carrier that offers products custom made for the unique delivery risks facing the restaurant industry,” confirmed Jim Mitchell, Vice President of Workers’ Compensation and Accident & Health.
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Tags: Workers' Compensation

All Risks, Ltd. Welcomes Justin Johnson, Underwriter for the New Auto Dealers Program

Posted by admin on Jun 15, 2018 10:35:00 AM
HUNT VALLEY, MD (June 15, 2018) – All Risks, Ltd., the nation’s largest independent wholesale insurance brokerage firm, welcomes Justin Johnson as Underwriter for the New Auto Dealers program for the National Specialty Programs unit. In his new role, Justin will focus on providing underwriting capabilities for new auto dealer classes, such as franchised new car, motorcycle and truck dealerships, large non-franchised dealers, as well as ATV and RV dealers. Coverages include Comprehensive and Collision, False Pretense, Economic Loss, Weather Reimbursement, Spot Delivery and Stated Amount. The Dealer’s Open Lot market is available nationwide, excluding Arkansas, Kansas and Oklahoma.

Justin most recently was a Residential Mortgage Loan Originator at Capital Bank. He was also recognized for many achievements, including a top 20 loan officer and a three-time recipient of the monthly Caught In Action Award from coworkers. He led the entire company in total client written compliments, and also received the Customer First Award from senior leadership for consistent hard work and commitment to total customer satisfaction on a daily basis.

“With his extensive sales experience and proven track record for superior customer service, we felt that Justin would be an integral part of the New Auto Dealers program as we continue to partner with top carriers who offer broad coverage forms in the dealer insurance marketplace,” affirmed Kevin Gast, Program Manager.

Justin Johnson can be reached at 410-828-5810, extension 3558, 443-243-1801, or
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Tags: Commercial Lines

Record Retention and Destruction for Accounting Firms

Posted by admin on Jun 7, 2018 4:57:48 PM

Now that tax season is in the rearview mirror, your accounting firm clients might be doing some delayed "spring cleaning."

With over 20 years of industry experience, Kim Stone-Vilim, CPA, in collaboration with the law firm of Bullivant Houser Bailey PC, has developed a great sample record retention & destruction policy that you can share with your accounting clients.
A solid record retention and destruction policy details the responsibilities of employees for maintaining, preserving, and ultimately disposing of the organization’s records—both electronic and hard copy. Key components of such a policy include confidentiality, storage and protection criteria, and retention periods, which vary according to the client status and type of document.

You can download the sample Record Retention and Destruction Policy below and share with your accounting firm clients to serve as a helpful tool and reminder.

Download the Records Retention and Destruction Policy

Also, don’t forget to contact All Risks for your client’s no-obligation Accountants E&O quote. 


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Tags: National Programs

Marya Propis Joins All Risks, Ltd. as Senior Vice President – Distribution and Broker Partnerships

Posted by admin on May 23, 2018 1:36:12 PM

HUNT VALLEY, MD (May 18, 2018) – All Risks, Ltd., the nation’s largest independent wholesale insurance broker, has hired Marya Propis as Senior Vice President – Director of Distribution and Broker Partnerships.

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Tags: Press Release

ALIVE RISK Offers Special Event Insurance Online Quoting

Posted by admin on May 11, 2018 3:45:00 PM


MINNEAPOLIS, MN (May 10, 2018) – ALIVE RISK, a division of All Risks, Ltd., is pleased to announce that commercial insurance agents can now submit special events insurance risks online and receive instantaneous quotes. The easy-to-use platform is available to retail agents nationwide for one-day or short-term events such as festivals, conventions and weddings. Concessionaires, vendors and exhibitors are also included. ALIVE RISK has partnered with an A.M. Best “A+” XV rated carrier to provide broad coverage options.

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Tags: National Programs, Online Quoting, Special Events

All Risks, Ltd. was formed as an excess and surplus lines facility in 1964. Employing over 900 professionals in 27 locations, we deliver comprehensive commercial and personal insurance solutions exclusively to retail agents and brokers. As brokers or underwriters, we are our agents’ licensed navigators in the specialty insurance market. All Risks provides a full-service platform of brokerage, contract binding and program capability.

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