Your Wholesale Insurance Resource for Professional & Management Liability

Specialized solutions for retail agents to provide professional organizations

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Our team of seasoned professionals has the depth and breadth of knowledge to help our agency partners secure the best quality coverage for their clients.

PLRisk Specialty Insurance Agency, LLC is a leading wholesale insurance brokerage covering the professional liability market. Our featured policies include: Errors & Omissions insurance for across a variety of professions, Directors & Officers insurance, for private and public companies; Employment Practices Liability (EPLI), Cyber Liability, Commercial Crime and Fiduciary insurance.

We have fostered strong partnerships with the top-rated carriers across the U.S. These powerful relationships enable us to find coverage for even the hardest-to-place risks. Our years of expertise in the industry have given us the credibility and stellar reputation that many agencies have come to trust.

Mike Smith, founder of PLRisk Specialty Insurance Agency, LLC, has been in the Professional Liability insurance business for over 20 years and believes that it is crucial to be intimately involved with every client. In this ever-changing landscape where regulation and increased litigation concerns are constant, you and your clients need a partner that understands how these regulations have the potential to increase exposure and how to mitigate risk. That partner is PLRisk Specialty Insurance Agency, LLC.



Errors & Omissions

Running a professional services business exposes your clients to extraordinary liability risks. Even firms that strictly adhere to best practices can find themselves accused of errors or omissions that result in significant loss.

An Errors and Omissions (E&O) policy from PLRisk Specialty Insurance Agency, LLC provides your clients with coverage that contributes toward legal defense costs, damage awards and settlements.


Directors & Officers

Many agency clients serve on boards of directors or are in executive positions of their companies. These people are crucial to their businesses and the types of exposures they face as directors and officers can be varied.

At PLRisk Specialty Insurance Agency, LLC, we have the experience, knowledge, markets to secure the policies your clients require. We can help secure Directors and Officers insurance (D&O) to protect them and their companies in the event there is an allegation that they have failed to perform their duties. Our tailored D&O policies are designed to address the exposures of a variety of business types.

Employment Practices

With increased pressure and an aggressively proactive stance by the EEOC, businesses are increasingly facing allegations from employees for racial and religious discrimination, sexual harassment, FMLA violations, unfair pay, and other significant claims.

Today, whether you’re head of a large corporation or a small business owner, Employment Practices Liability Insurance (EPLI) should be part of your comprehensive insurance program. This policy provides coverage for legal fees, settlements and damage awards that result from employee claims of misconduct.


All industries and companies could face the risk of a cybersecurity breach. Storing personally identifiable information on clients and employees could be open to data breaches, identity theft, and unauthorized use of confidential information. Valuable information such as tax identification numbers, credit card numbers, bank account numbers, medical history, and more are at a risk.

Privacy & Network Security insurance is a must for small and large firms to protect against this widespread exposure. Not all cybersecurity options work for the entire team, most time it takes effort along with many other things.

Commercial Crime

With online banking and financial transactions and widespread use of the Internet, one click of a button and a company’s business assets can easily be the target of criminal activity. PLRisk Specialty Insurance Agency, LLC can provide you with the right Commercial Crime insurance coverage you need for your clients. Our program is available for all industries and types of businesses.

We can also assist you in helping your clients developing a risk management program that combines security controls along with a properly structured insurance policy that meets their needs. Our team can help identify threats to their assets, bank accounts and other assets and design a program specific to each of your clients. We can help you retain your clients with premium savings, loss control, and lower exposures to commercial crime risks.

Fiduciary Liability

Fiduciaries handle management or selection of retirement plans, health plans, life insurance and disability plans, and other employee benefits. There has been a spike in the severity and frequency of fiduciary claims over the past several years. In fact, plan fiduciaries today now surpass the medical profession as a most wanted target for litigation.

We can provide you with access to Fiduciary Liability insurance, which protects the insured against allegations that the fiduciary – the money or benefits handler – has breached their duty. The accusation can focus on an error or negligence in administering a plan, including but not necessarily limited to misinterpretation of plan documents, providing imprudent investment options to plan participants, misrepresenting investments, mishandling enrollment paperwork and giving bad advice or faulty instructions to participants.

We’ll help you identify policy gaps and deliver customized programs that work.

Our unique ability to understand the complexity of a client’s business risks helps us identify gaps in coverage and build custom programs which specifically address these exposures. Our team has the experience and knowledge required to help your clients stem losses through effective risk management and proper claims analysis.

When you choose PLRisk Specialty Insurance Agency, LLC as your agency partner, you can be assured you will have access to:

  • Comprehensive, broad insurance programs that address each profession’s risks
  • Tailored coverage programs for your insureds
  • Market access with both admitted and surplus lines carriers
  • Competitive pricing without sacrificing quality of protection
  • Responsive quoting, policy delivery and servicing
  • Access to risk management expertise to help your clients

Get Prepared

PLRISK Professional liability insurance solutions reach across a broad range of industries. Let us help you find the solution that is right for your needs.
To learn more, call at (201) 847-9165, email or:


I have had the opportunity to work with Javier Gonzalez for several years. He is a serious professional and is one of the more qualified insurance professionals I have had the opportunity to work with in the 42 years I’ve been in the business. Javier worked with our organization, developing a professional liability program for our captive audience that was very creative and cost effective. The solution he provided was far superior to any we had seen and identified risks that were not previously contemplated. He negotiated endorsements with insurance carriers for our benefit that they usually don’t like to provide. He provided significant insight into the exposure and was available at almost any hour, since some of these went down to the last minute because of the nature of our operations. I cannot think of anyone who is more deserving of this award as an outstanding broker than Javier Gonzalez.

Mr. John McCarthy, Jr.

Vice President & Chief Compliance Officer

Our agency has partnered with Mike Smith and PLRisk Advisors/Axis to craft specialty professional products for our policyholders for years. Mike is a trusted advisor, brilliant communicator, and a tremendous aid to our sales teams. In our opinion, Mikes team represents the best our industry has to offer in the management and professional liability realm, our clients benefit from their deep experience, elevated advice and practical risk management ideas. We trust PLRisk Advisors with our own coverage selections as well. Our group highly recommends Mike Smith, PLRisk Advisors and Axis Corporate Insurance.

Kyle Dufford, CIC, ARM

Agency Operations Manager
PFS Insurance Group

Mark Bradway is an attentive, responsive and consummate professional who has been helpful in securing unique insurance solutions for my clients. Together with his team at PLRisk Advisors, Mark seeks to fully understand the coverage objective and is persistent in getting the job done. One of the challenges as a client insurance adviser is finding other industry professionals who take pride in their work product and are sufficiently competent to do a deep dive into the policy language and can share that analysis for the benefit of the client. PLRisk Advisors and Mark are very helpful in this regard.

Robert L. Sobel

Cook Maran & Associates

It has been a pleasure working with you and due to your responsiveness and product knowledge you have become my go to Management Liability Wholesaler.

Michael McCabe

Vice President, Marketing Manager
Boynton & Boynton Insurance Professionals

Javier is the best in the business! We have a long history together, and he has provided exceptional advice, service, and outstanding products for my companies for as long as I can remember. At one time our org chart resembled a bowl of spaghetti, and no one could figure us out except Javier. Kudos to him, yourself, Liza and the rest of your organization. Sincere thanks to you all.

Jay Bergstein

CPIA Chief Operating Officer
ALL Trans Risk Solutions LLC, Capacity Marine Corporation

Having the PLRisk team as a resource for management and professional liability coverage, and your willingness to join calls with our clients to help explain the coverages and exclusions, is the reason we are so successful in writing the business we place with your office. We truly value our partnership with you and look forward to writing more business with you in 2024!

Dawn Dettmering

CLCS, ACLC, CIC, CRM – Levitt Fuirst






















Errors & Omissions


Directors & Officers

Fiduciary Liability

Commercial Crime




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