Coverage built to ensure success

We know what it’s like. You’ve got tough customers to satisfy, performance deadlines to meet, new contracts to win – and little time to get it all done. Clearly, when it comes to your surety and insurance advisor, this is no time for on-the-job training. It’s time instead to consider working with the professionals at EP&H. Expect us to understand your business, because we do. We are immersed in the construction industry, we are deeply networked to offer you instant and continuous access to an uncommon knowledge base, and we’re surety specialists, proud of our carrier relationships and continually involved in the due diligence it takes to establish lines of credit on your behalf.

From sophisticated bonding solutions to advanced insurance strategies, from property and casualty coverage to employee benefits compliance expertise, we’re redefining superior risk management for a growing roster of clients.

EP&H focuses solely on working with you to develop solid bond programs tailored to meet your company’s needs. Our experienced staff will help you with the full range of contract business, from the small specialty contractor to the large general and multi-trade firms.

Many bond requirements call for bonds that are written by Treasury-listed and highly-rated surety companies. ACS puts together the pieces of the bonding puzzle by offering a wide range of options from many companies that have the security and acceptability the marketplace demands.

Since they are experts, let them handle the intricacies of forms, financials and fiduciaries while you relax, knowing the job will be done right.

Our bonding specialists have developed special programs with an extensive network of quality surety companies, enabling us to provide customers with ready access to:

  • Great Relationships with Top-rated Insurers
  • Decades of Experience
  • Easy to Work With
  • In-house Authority on many lines
  • Attractive Commissions
  • Standard and Specialty Markets
  • Treasury-listed Sureties
  • Customized programs at competitive rates

Types of Bonds

  • Supply Bonds
  • Site Improvement Bonds
  • License and Permit Bonds
  • Motor Vehicle Dealer Bonds
  • Court Bonds
  • Commercial and Fidelity Bonds
  • Service Contractor Bonds
  • Transportation Contractor Bonds
  • Subdivision/Site Plan Bonds

Regardless of size or industry, most businesses have the same thing in common: they began as a dream and came to fruition through a lot of hard work. Some business owners get so caught up in daily operations that they forget one of the most important components – commercial property insurance.

Every business needs insurance. Too much time and money has been invested to let one burst pipe or fire completely cripple a company. Commercial insurance can cover a variety of things including:

  • Your outdoor company sign
  • Any inventory
  • The physical structure of your office or building
  • Important equipment
  • Desks, chairs and other furniture

Property insurance for a commercial enterprise can sometimes be a tax write-off, so be sure to do a little research to find out if you’re eligible.

We "get" tech

These days, the promise of innovation is nearly matched by its perils. One false keystroke can rudely acquaint your company with the limits of your privacy liability coverage. Another can instantly compromise network security. Hackers seemingly lurk everywhere. And your intellectual property can walk out the door with a suddenly disgruntled employee. When it comes time to choose an insurance advisor, this is no time for dealing with amateurs.

At EP&H, we realized early that value-added resellers, custom software vendors, tech consultants and others face a unique set of risks, so we’ve built our Technology Practice to meet every one. From errors and omissions to identity theft, we offer you solid protection in a business where there is absolutely no room for error.

Federal government contractors (FGCs) have unique exposures that only a seasoned, experienced broker like EP&H is equipped to handle. With more than 50 FGC clients, 50 years of experience handling government contractors, and a role in the founding of the Patuxent Partnership and Southern Maryland Navy Alliance, we fully understand the enterprise risk profile of FGCs.

Has your broker explained the Defense Base Act (DBA), Foreign Voluntary Workers Compensation, Errors & Omissions, Travel Accident Insurance and/or Government Furnished Equipment (GFE) exposures? Furthermore, do you understand how the government contractor DBA applies to your company?

Coverages

  • Accidental Death &
  • Dismemberment
  • Evacuation & Repatriation
  • Aircraft Liability including Hull
  • Foreign Voluntary Worker’s Comp
  • Aircraft Products
  • Fiduciary Liability
  • Business Income & Extra Expense
  • Government Furnished Equipment
  • Crime
  • Kidnap & Ransom
  • Defense Base Act
  • Non-Owned Aircraft
  • Directors & Officer
  • Umbrella & Excess
  • Employment Practices
  • Travel Accident
  • Errors & Omissions
  • Workers Compensation (in all 50 states)

Additional Exposures

  • Cyber Liability
  • Ground Flight Clause
  • Government Contracting Defense
  • Government Immunity
  • Qui Tam or False Claims Act
  • Unmanned Vehicles & Drones
  • War & Terrorism
  • Natural Disasters

Risk Management

  • Risk Management Assessments
  • Employee Handbook
  • Aircraft Liability
  • Mergers & Acquisitions
  • Business Income Analysis
  • Successors’ Liability
  • Crime
  • Risk Mitigation
  • Disaster Recovery
    • ISO 31000
  • Fiduciary
  • DFAR Regulations
  • Whistleblower
  • Life Safety

Congratulations on your continued success. Allow us to help you protect it.

Your risks are different than most. Fortunately, our solutions are too.

At EP&H, we recognize that successful people – people very much like you – need far more than an “insurance company” when it comes to protecting their assets. What you need is a go-to resource – which is precisely what you get when you work with us.

As a member of our Private Client Group, you have instant access to professionals with uncommon expertise in managing and preserving the wealth of high-net-worth individuals, a comforting thought in an age of impersonal servicing.

Our professionals at EP&H will help you access your risks and develop a highly specialized portfolio of coverages that are sophisticated enough to provide worldwide protection of your personal assets, yet flexible enough to keep pace with your evolving exposures over time.

Case in point: The value of a customized policy is anything but standard.

What many companies don’t know can hurt you. Consider a standard vs. customized homeowner’s policy. A standard homeowner’s policy is typically worded so that a one-of-a-kind stone fireplace, for example, would be replaced with “like kind and quality” – which could mean sourcing materials from a local home and garden store. A customized policy from EP&H could replace all original materials, regardless of the location of the quarry.

The key to building a better portfolio.

At EP&H, we take the time to understand you, your needs and your appetite for risk. It is only in this way that we’re able to develop a risk management strategy that takes into account every contingency. As strategy turns to tactics, we’re uniquely able to leverage longstanding relationships with the pre-eminent insurance carriers to seamlessly manage your exposure around the corner, across the country and around the world.

We invite you to put us to the test.

We call it “the eye-opener.” It’s what occurs whenever a prospective EP&H Private Client Group member compares his or her current plan against what we can offer. For solutions that are creative, comprehensive and cost-effective, ask for an eye-opener.