Capitol Insurance

Specialty carrier for small to mid-sized commercial risks and bonds.

About Capitol Insurance

Specialty carrier for small to mid-sized commercial risks and bonds.

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Type

Carrier

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Website

capspecialty.com

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Headquarters

Middleton, WI

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Founded

1959

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Team size

201-500

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Differentiator

Wholesale-only model with admitted and E&S paper, plus digital excess and bond portals.

What they write

Small to mid-sized wholesale specialty accounts needing casualty, professional liability, environmental or surety.

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Lines of business

GLExcessUmbrellaWrapEnvironmentalPollutionMedical PLProfessional LiabilityE&OD&OEPLFiduciary

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Classes

ConstructionCustom Home BuildersEnvironmental ContractorsRestoration FirmsHuman ServicesBehavioral HealthHospitalsMedical Facilities

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States

Nationwide

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Sweet spot

Small to mid-sized wholesale specialty accounts needing casualty, professional liability, environmental or surety.

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Minimum premium

$690–$100K+

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Exclusions

Energy risksTrade contractorsBars & nightclubsNursing homesPatent prosecutionReinsurance intermediariesDesign-build firmsTrucking & logistics

How to submit

Everything you need to get a risk in front of their underwriting team.

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Format

Email or portal

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Send to

BrokerageSubmission@CapSpecialty.com, SpecialRisksSubmissions@CapSpecialty.com, ProfessionalLinesSubmissions@CapSpecialty.com, SpecialtyCasualty@CapSpecialty.com, psubs@CapSpecialty.com, eosubmissions@CapSpecialty.com

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Portal

sbs.capspecialty.com/splash.html

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Turnaround

Instant to 3-5 days

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Notes

Wholesale-appointed brokers; ACORD and product-specific supplemental apps; loss runs often required.

Underwriting team

Key contacts for submissions and underwriting questions.

Adam Sills, President & CEO

Jennifer Peone, Head of Healthcare

Andrew Charron, Head of Professional Liability

Carrier relationships

Carriers and programs this market accesses.

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Admitted

Capitol Indemnity CorporationPlatte River Insurance Company

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E&S

Capitol Specialty Insurance Corporation

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Programs

DragonXConstructionEnvironmentalHealthcareProfessional LinesSpecial RisksSurety & FidelityCapEx