Preparation begins with PIC

Why Pinnacle Insurance Consultants?


Errors & Omissions coverage is one of the most specialized areas of insurance and real estate. We understand the unique types of coverage required for a Real Estate firm and the intricacies of a Real Estate E&O policy form. More >


Pinnacle Insurance Consultants have preferred status with many of the leading markets and in some cases has exclusive coverage enhancements available only to Pinnacle and their clients. More >


Having a close working relationship with these markets maximizes the final result. The broker with the well established relationship with the underwriter gets the job done... broadest coverage at the most competitive price. More >


Coverage Specialization:

Our expertise in this complex and dynamic field allows us to provide optimal coverage for our clients. Unlike commercial insurance generalists, we provide in-depth knowledge of client exposures, coverage options and markets. We are proficient in the nuances of E&O Professional Liability Coverage. Every carrier is different. Many carriers provide a base policy form that can only be broadened by requesting specific endorsements.

Fair Housing/Discrimination, Environmental, Mold, Reduction in deductibles, Sale of Agent Owned Properties and Construction Development are just some of the industry specific coverage’s that must be addressed. Do you have agents selling properties in related LLC’s? How will your policy address agents flipping owned properties, REO’s, Short Sales or BPO’s?


Market Access and Relationships:

  • Accessing the markets that write this class of business is complex. Many carriers must be approached through Managing General Agents or Wholesalers; our knowledge of how to access selective carriers is critical to providing optimal service to our clients.
  • Specialists will often have direct access to these specialty carriers where others will not. This enhances the power of negotiation.
  • Premium volume and relationships with the senior decision makers at all the carriers gives Pinnacle the leverage for negotiating the very best terms for our clients.


The Pinnacle Advantage:

Many agents simply submit an application and loss runs to an underwriter in order to get a quote. Pinnacle Insurance Consultants has the reputation of providing a superior “submission” to the underwriters in order to present their clients in the very best light. As a result, underwriters are able to have a more favorable understanding of an account, which enables them to provide preferential terms or quote an account that might have otherwise been declined. This sets us apart from our competitors.

Once we secure quotes from carriers, we prepare a detailed proposal and side-by-side comparison for quotes received to review in detail with our client. As coverage varies greatly between carriers, we will undertake a thorough review of each policy form in order to advise the client on the coverage considerations relating to the exposures of the firm. This is a critical component in the decision making process as an uncovered claim can be devastating to a client. In addition to pricing considerations, it is imperative that the client make an informed decision on their E&O program based on a careful review of coverage afforded in the policy.

Insurance broker representation should not be taken lightly... it is far more than just a premium paid on a policy. An insurance broker is as important to your firm in the protection of your assets as is your attorney and CPA. As your insurance broker, we work for and represent our clients in the marketplace. You do not want to find out you are not covered at the time you have a claim and have to bear the cost for defense and damages on an uncovered claim.