Specialty Insurance
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Identity: Specialty Insurance (NEA Insurance Group, LLC) is a niche retail/wholesale broker focused on liability solutions for marketing, data, and technology-related businesses, not a direct underwriting carrier. Current public content describes areas of expertise and typical clients but does not publish a formal carrier-style underwriting or appetite guide. Preferred / target business: - Lead generation companies, performance marketers, telemarketers, call centers, marketing agencies, list owners, data brokers, and buyers/sellers of consumer data. - Insurtech / software platforms and other technology providers involved in online marketing, customer acquisition, or data processing for third parties. - Insurance agents and similar intermediaries that generate or manage leads or customer data for themselves or others. - Accounts needing specialized E&O / Professional Liability with embedded TCPA, FCRA, CCPA, GDPR, media, and cyber/privacy protections where local agents and standard markets have limited expertise. Restricted or declined business (inferred): - No explicit declination list is published. Appetite appears centered on marketing, data, and tech-driven communication risks; risks outside that ecosystem (e.g., traditional Main Street GL, property, WC, standard personal lines) are likely better handled elsewhere. - Extremely high-hazard telemarketing operations (e.g., clear non‑compliance with TCPA/Do Not Call rules, spam/text blasting without consent, deceptive practices) are likely subject to strict underwriting scrutiny or declination by the carriers Specialty Insurance places business with, but this is not stated outright. Geographic notes: - Office is located in Miami, Florida (address in FL). Site content does not list explicit state or country restrictions. As a broker, they likely place business primarily in the U.S. and possibly more broadly depending on carrier licensing, but no formal territory map is published. Submission / placement process (from site structure, inferred operations): - Prospective insureds and retail agents are directed to contact Specialty Insurance via web contact form, phone, or direct email to discuss risk profile and coverage needs. - Because programs are highly tailored, expect to provide detailed information on marketing practices (e.g., consent capture, calling/texting procedures, use of lead vendors, data sources, privacy controls, and any prior or threatened regulatory actions or class actions). - No broker-appointment, portal, or upload workflow is publicly described, and no standardized application or submission checklist is posted on the site. Broker / producer notes: - Specialty Insurance positions itself as a subject-matter expert for “misunderstood” exposures in online marketing and data. Retail agents can treat them as a specialty intermediary when their usual markets decline or exclude TCPA/FCRA/CCPA/GDPR and related risks. - There are no published production requirements, binding authority descriptions, or commission structures; these are presumably handled individually with the placing markets and retail partners. Operational caveat: - Because Specialty Insurance operates as a broker/agency, not as a branded admitted or E&S carrier, you should treat this as a market-access and expertise resource rather than a direct carrier underwriting guide. For concrete carrier-level appetites, follow the indications from the specific insurers Specialty Insurance uses for each placement and obtain their current underwriting guidelines directly.