Program Administrators - U.S. Risk Underwriters

U.S. Risk Underwriters

Programs & Coverages: Distressed Banks, Senior Care/Long Term Care, Social Services, Assisted Living, Miscellaneous Healthcare, Insurance Agents E&O, Management Liability (D&O, EPLI, Fiduciary & Crime), Staffing Industry, Entertainment Insurance, Energy/Oil and Gas, INSURANCE FOR VALET AND PARKING COMPANIES, Workers Compensation

M10210 N. Central Expressway Suite 500 | Dallas, TX 75231


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Company Description

U.S. Risk is a wholesale broker and managing general agent of specialty products. We are an open brokerage shop which means we make our products available to independent agents that contract with U.S. Risk. Our agents do not need to be licensed with the program carrier. We will work with you to customize an approach for your client's business insurance needs. Top carriers, all with A rating or better. For detailed information on all our programs and to download supplemental applications, visit our website.

Programs & Coverages

Distressed Banks

Send our team your Distressed Bank submission and let us take it to the entire marketplace to quote!

We partner exclusively with independent agents and brokers
Solid relationships and considerable clout with carrier underwriters

Our focus is exclusive to Financial Institution related risks
We’ve offered teaching and risk management for financial institutions since 1975
We offer personalized, individual consultation for every risk

We can quote all markets (domestic, standard and London)
We write nationwide

Coverages Offered
Directors and Officers Liability
Financial Institution Bond
Computer Crime
Bankers Professional Liability
Lender Liability
Fiduciary Liability
Employment Practices Liability
Cyber/Privacy Liability

For more information please contact the Nashville office at 800.851.6501



Senior Care/Long Term Care

The U.S. Risk Senior Care Program offers Professional & General Liability Insurance for:
Skilled Nursing Facilities
Assisted Nursing Facilities
Continuing Care/Retirement Communities
Independent Living Facilities

Coverage Highlights
Claims Made and Claims Made & Reported Coverage Forms (includes an awareness clause)
“A” rated carrier
Coverage available in most states
Coverage enhancements include: Punitive Damages, Sexual Misconduct and Defense Outside the Limit
Low Limits available in most states

For more information contact your local Healthcare Underwriter in
Boston 617-227-1310
Dallas 800-232-5830
or Houston 800-833-8803



Social Services

Count on our experience and expertise to underwrite your next healthcare account.

Eligible Classes included but not limited to:
Adult Day Care Centers
Home Healthcare Visiting Nurses
Nursing Homes
Licensed Nurse (RN, LVN, Aides)
Drug & Alcohol Treatment Facilities
Medical Directors
Counselors, Clergymen
Therapists (Occupational, Physical, Respiratory, Speech and Hearing)
Foster Care

Coverage Highlights
No Minimum Premiums on most classes of business
Occurrence Form General Liability Available on many classes
CGL form includes Bodily Injury/Property Damage, Personal Injury, Advertising Injury, Employee Benefits and Products/Completed Operations
Broadened definition of “Professional Incident” to include medical services
Physical Abuse & Sexual misconduct is included with no “resident on resident” exclusion
Punitive Damage Buyback available

For more information contact your local Healthcare Underwriter in
Boston 617-227-1310
Dallas 800-232-5830
or Houston 800-833-8803



Assisted Living

The U.S. Risk Assisted Living Program offers coverages tailored to the unique needs of the long term care industry.

Target Classes include:
Independent Living
Assisted Living
Skilled Care
Continuing Care Retirement Communities
Adult Day Care
Home Healthcare
Hospice Care
Residential Developmentally Disabled Care Providers

Coverage Available:
General Liability
Professional Liability
Automobile (Monoline)
Loss of Business Income
Crime and Fidelity

Our programs key difference is an emphasis on loss prevention and reduction. We partner with a loss control specialist to help providers reduce losses due to falls, wandering and skin breakdown. We are experienced in alternative risk transfer vehicles and can help providers set up captives, rent-a-captives as well as self funded programs.

For more information contact your local Healthcare Underwriter in
Boston 617-227-1310
Dallas 800-232-5830
or Houston 800-833-8803



Miscellaneous Healthcare

Program Highlights
Min. Premium starting at $1,000
Min. Deductibles starting at $1,000
Claims Made (prior acts available)
Hired and Non-owned auto available
Sexual Abuse/Molestation coverage available
Incident Sensitive Policy Form

Classes of Business
Adult Day Care
Alcoholic & Drug Centers
Ambulance Service - non emergency
Assisted Living Facilities
Artificial Limb Fitter
Dental Hygienists
Diagnostic Imaging Labs
Emergency Medical Technicians
Group Homes
Hearing Aid Fitters/Vendors
Home Health Care
Lab Technicians
Magnetic Resonance Imaging Labs
Marriage and Family Counselors
Medical Billing Services
Medical Clinics and Labs
Medical Transcription Services
Mental Health Counselors
Nurse Registries
Personal Care Homes
Surgery Centers
Testing Labs - Medical
Wilderness Therapy
X- Ray Labs

For more information contact your local Healthcare Underwriter in
Boston 617-227-1310
Dallas 800-232-5830
or Houston 800-833-8803.



Insurance Agents E&O

Our U.S. RiskPros division provides insurance professionals with comprehensive Errors & Omissions (E&O) coverage designed to address their exposures in designing and securing a risk management and insurance program for clients. E&O exposures include allegations from clients of having inadequate coverage or no coverage at all after a loss (think of all the flood claims in the aftermath of major storms and the uninsured who look to their agents for recourse), property claims involving replacement cost coverage vs. actual cash value disputes, confusion over coinsurance penalties and the impact on commercial property coverage, and disputes over additional insured coverage, among others. In many cases, it’s an issue of he-said, she-said, but the cost to defend such lawsuits can be significant. Having the right coverage with the right carrier is key. That’s where our Insurance Agents E&O coverage comes in.


  • Property and life
  • Accident and health
  • Personal and commercial lines
  • General agents
  • Wholesalers
  • Surplus lines brokers
  • MGAs
  • Program administrators
  • Variable annuities
  • Mutual funds


  • Program available nationwide
  • Startups with experience considered
  • New policy form


  • Available limits up to $5M per claim and annual aggregate, defense outside limit options available
  • Deductibles starting as low as $1,000 with aggregate deductible available


  • Claims made and reported form
  • Administrative hearing and subpoena coverage ($25K outside the limits, no deductible applies)
  • $25K employment practices coverage
  • Spousal and domestic partner coverage
  • Punitive and multiplied damages coverage (where insurable)
  • Coverage for wrongful acts – worldwide coverage (claims brought in the U.S.)
  • Contingent BI/PD
  • A-insolvency coverage
  • Personal injury coverage
  • Final adjudication/innocent insured coverage
  • Personal Injury coverage available


Offered at underwriter discretion based on risk qualifications.

  • Prior acts coverage
  • B+ insolvency
  • Full worldwide coverage (claims brought anywhere in the world)
  • Claims expenses outside the limits
  • First dollar defense
  • Independent contractor and sub-producer coverage
  • New! Occurrence-based general liability endorsement
    • Limits up to 1M/2M
    • Minimum deductible $500
    • Minimum premium $500

William Duvall
(214) 265-2407


Management Liability (D&O, EPLI, Fiduciary & Crime)

U.S. Risk Pros is excited to announce our new Management Liability Program. Our program offers a full management liability suite, including coverages for directors and officers, employment practices liability, fiduciary and crime. We offer a comprehensive insurance solution to even your hard-to-place classes including, but not limited to, restaurants, auto dealers, property managers and more.


  • Limits up to $5M available
  • Full prior acts available
  • Defense outside available
  • Duty to defend
  • 80/20 hammer/settlement clause
  • 100% defense costs allocation
  • Spousal/domestic partner coverage
  • Worldwide coverage
  • Broad claim definition

Directors and Officers

  • Derivative demand coverage available – up to $250K
  • Outside executive position extension coverage
  • Additional side A limit available – up to $1M
  • Final adjudication language

Employment Practices Liability

  • Third-party coverage available
  • Wage and hour defense sublimit available
  • IRCA defense sublimit available
  • Privacy violation coverage
  • Employment event coverage (i.e., reduction in force)
  • OSHA coverage available


  • Voluntary compliance notice coverage – up to $100K
  • Internal appeal coverage
  • HIPAA Wrongful Act coverage
  • ESOP coverage available

Coverage for:

  • Employee dishonesty, forgery or alteration on premises and in transit
  • Money orders and counterfeit paper currency; computer fraud and funds
  • Transfer fraud
  • Client property, credit card, expense, and fraudulent instruction

Vanessa Lujan
(714) 285-4082


Staffing Industry

StaffPak is our comprehensive insurance package designed specifically for the staffing industry.

Target Classes:
Temporary Staffing Firms
PEO Firms
Permanent Placement Firms
ASO Firms
Contract Professionals
Teams and Employee Leasing

Program Highlights
Underwritten by A rated carriers on admitted paper
Non-Admitted option for tougher classes
Occurrence triggered professional liability
Third party fidelity coverage
Leasing professional is also written on an occurrence basis

For more information contact your local Staffing Underwriter in Dallas 800-232-5830



Entertainment Insurance

Take1 is a comprehensive all-coverages insurance package created for the presentation equipment rental industry, film, video and TV production and is sponsored by the The International Communications Industries Association.

Target Classes:
AV Rental Dealers
Audio Visual Equipment Dealers
Multi-Media Production Companies
Satellite Up-Link providers

Special Features
Broad communications equipment rental floater
Competitive workers compensation and automobile
Excellent coverage form
Competitive pricing
Written on A+ paper

For more information contact Scott Carroll at 800.856.7035 or email



Energy/Oil and Gas

The U.S. Risk Energy Underwriting Division provides insurance coverage for “land based” oil and gas exploration, production and servicing accounts on a national basis. The staff of specialty underwriters are highly experienced and provide agents with superior customer service and insureds with comprehensive coverage.

Lines of Coverage

General Liability $1M/$2M limits
Umbrella $5M limits
Excess $10M limits
Auto $1M limits
Inland Marine
Workers Comp

Target Classes of Business
Operators and Non-Operators
Drilling Contractors
Well Servicing Contractors
Pipeline Contractors
Bio-Fuel Plants

Many other classes available call or email for more details…

Toll Free 800.232.5830
Cecil Rhodes (West Texas Accounts)
Chris Bufkin (East Texas and Louisiana)

Cason Burdett (All other states)
Grant Bryant (All other states)




U.S. Risk’s ArmorPark Program provides General Liability and Garagekeepers Legal Liability on a broad-coverage policy with high limits that has been tailored specifically to meet the needs of businesses engaged in operations relating to the parking of customers’ cars. We will write parking operators that perform self-parking, assisted parking, and valet parking, as well as parking for special events. Our policy also may include coverage for incidental operations in conjunction with parking, such as the use of on-premises electric vehicles for patron or employee transport, auto-detailing and minor auto services, the moving of customers’ vehicles onto public roads to remote lots or to repair facilities, basic concierge-type services, and consulting services. We also offer Excess Liability—with available limits of up to $50 million or more—and automobile coverage in key states for people-mover vehicles.

Visit our website to learn more about our special program and requirements for a complete submission:

Program Administrator:
Connie Fox
Direct line: (714) 285-4084

Connie Fox


Workers Compensation

Call U.S. Risk to place your next Workers Compensation account!

State Compensation including Long Shore and Harbor Workers

Freight Handling
Marine Construction
Oil & Gas Lease Operators
Ship Building

Minimal USL&H payroll accepted
Required Premium Level $2,000
Available Nationwide

State Compensation Only
Artisan Contractors
Apartment Management and More!

New Ventures and No Prior WC considered
Required Premium Level $2,000
Multi-state considered
USL&H if any

Excess Compensation
Public Entities
Hospitality - hotels/restaurants
School Districts

Multi-year terms and unbundled claims environment

Healthcare Compensation
Staffing Companies
Retirement/Living Centers
Home Healthcare
Nursing Homes

Incidental to above
Child Daycare
Adult Daycare & Group Homes
Required Premium Level $2,500

For more information please contact:
Theresa Drago at 800-833-8803

Patricia Haas at 800-232-5830