Insurance Companies Underwriting Lawyers Professional Liability Insurance in Colorado as of December 16, 2005

The Information Contained Herein Was Obtained From Sources Believed To Be Reliable; However, Its Accuracy Or Completeness Is Not And Cannot be Guaranteed.

CNA Insurance is the endorsed CBA Member Advtantage Provider of professional liability insurance.  Contact Chris Buckman with Marsh Affinity Group Services, (303) 308-4602, for more information.  See CNA's ratings information below. 

OTHER AVAILABLE CARRIERS:

Insurance Company	Website Address	FSR	A.M. Best's	FSC	Contact
Admiral Insurance Company	admiralins.com	SL*	A+	IX	856/429-9200
American Safety	www.americansafetyinsurance.com				800/388-3647
Attorney Liability Protection Society (ALPS), a Risk Retention Group	www.alpsnet.com	RRG	A-	V	800/367-2577
Axis*	www.axisins.com
Carolina Casualty Insurance Company	carolinacas.com	Ad	A	VII	904/363-0900
Clarendon Insurance Group	clarendon-ins.com	Ad	A	IX	212/805-9700
CNA Insurance Companies	cna.com	Ad	A	XV	312/822-5000
Chubb	cber.chubb.com	Ad	A++	XV	860/408-2489
Evanston*	www.markelcorp.com
General Star	www.generalstar.com
Great American Insurance Company	greatamericanlawyer.com	Ad	A	XII	513/369-5000
Gulf Insurance Group	gulfinsurance.com	Ad	A+	IX	216/816-3700
Interstate Insurance Group					312/456-6562
James River*	www.jamesriverins.com
Liberty International (a Liberty Mutual Company)*	www.libertyinternational.com
Lloyd's of London, Underwriters at	lloyds.com	SL*	A-	XV	_
Mainstreet Financial Services, Inc.	http://www.ezlawquote.com/		A-		800/817-6333 ext. 502
Navigators	www.navg.com
NCMIC Insurance Company (The Lawyer's Protector Plan)
Nutmeg Insurance Company	thehartford.com	SL*	A+	XV	860/547-5000
Pacific Insurance Company	cna.com	SL*	A	XV	312/822-5000
Philadelphia Insurance Companies	phlyins.com	Ad	A+	IX	640/617-7900
Professionals Direct Insurance Company	professionalsdirect.com	Ad	A-	V	800/558-6688
Professional Solutions Insurance Company	www.psic-insurance.com
Minnesota Lawyers Mutual Insurance Company	www.mlmins.com		A	VII	800.422.1370 ext 9681
PROMARC	http://www.medmarc.com/spu/lawyers/asp
St. Paul Fire & Marine Insurance Company	stpaul.com	Ad	A	XV	612/310-7911
Twin City Fire Insurance Company	thehartford.com	SL*	A+	XV	860/547-5000
United National Group	unitednat.com	Ad	A+	IX	610/664-1500
Westport	www.geinsurancesolutions.com
XL	www.xlinsurance.com
Zurich American Insurance Group	zurichna.com	Ad	NR-5	XV	847/605-6000

*Contact must be made through a surplus lines broker. Information on surplus lines brokers can be obtained from the Colorado Division of Insurance (www.dora.state.co.us/insurance.com) (303/894-7499).

Marsh Affinity Group Services has created a hard-to-place lawyers professional liability program, PROSecure:

General Star Indemnity Company

no website yet

SL

A++

XV

303/308-4602

EXPLANATION OF TERMS:

I. Financial Strength Ratings

"Ad" - Admitted
An "admitted" insurance company is fully licensed and regulated by the Colorado Division of Insurance. Admitted insurance companies maintain a certificate of authority in Colorado, must comply with all insurance laws and regulations, and contribute to the guaranty fund.

"SL" - Surplus Lines Insurer
A surplus lines company is an authorized non-admitted insurer that "imports" its policies into the state through a specialized type of insurance broker. Generally surplus lines insurers offer coverages not generally available from the admitted insurers in the state. Surplus lines insurers generally enjoy rate and form freedom and do not participate in state guaranty fund protections.

"RRG" - Risk Retention Group
A risk retention group or "RRG" is a special type of self-insurance mechanism formed under federal legislation ("Liability Risk Retention Act of 1986"). RRGs are fully licensed in their home or domiciliary state and registered to do business in other states. To participate in an RRG and obtain professional liability insurance, the policyholder must also be an "owner" of the RRG. Ownership can be in the form of stock or in participation of a non-stock or mutual RRG which allows policyholder owners to elect the RRG's board of directors.

"A++" and "A+"
A. M. Best's rates the insurer as "superior."

"A" and "A-"
A. M. Best's rates the insurer as "excellent."

"B++" and "B+"
A. M. Best's rates the insurer as "very good."

"NR-1"
Company not assigned a rating by A. M. Best's due to insufficient data.

II. Financial Size Categories (FSC)

Financial Size Categories (FSC)

FSC I	less than 1
FSC II	1 to 2
FSC III	2 to 5
FSC IV	5 to 10
FSC V	10 to 25
FSC VI	25 to 50
FSC VII	50 to 100
FSC VIII	100 to 250
FSC IX	250 to 500
FSC X	500 to 750
FSC XI	750 to 1,000
FSC XII	1,000 to 1,250
FSC XIII	1,250 to 1,500
FSC XIV	1,500 to 2,000
FSC XV	greater than 2,000

Assigned to all companies and reflects size based on capital, surplus and conditional reserve funds in millions of U.S. dollars, using the scale