Fran Kelly Professional Liability

Professional Liability Insurance Brokeragetitleliability.com

Fran Kelly Professional Liability is a family-owned independent insurance agency providing E&O, cyber liability, crime, and surety bond coverage exclusively for title agents, abstractors, and searchers, with 30+ years of specialized experience and multi-carrier brokerage capability.

Company typePrivate
Founded1990
HeadquartersPhiladelphia, United States
Headcount1–10
GTM typeB2B
OfferingServices

What Fran Kelly Professional Liability does

Fran Kelly Professional Liability, LLC is a privately held, family-owned independent insurance agency headquartered in Wyomissing, Pennsylvania, that has specialized exclusively in professional liability coverage for the title insurance industry for over 30 years. The firm provides E&O, Cyber Liability, Crime/Fidelity, and Surety Bond coverage to title agents, abstractors, and searchers, and has selectively extended its product portfolio into adjacent verticals including Real Estate E&O, Tax Preparer E&O, and Medicare Surety Bonds. The business is relationship-driven rather than technology-driven, with no proprietary platform, software product, or AI capabilities — its value proposition rests on industry specialization, multi-carrier access, and personal service delivered by named specialists (Alicia Kelly and Kaitlin Kelly).

The company's core technology is its role as an insurance intermediary placing coverage with multiple underwriters on behalf of clients. The product suite comprises seven distinct lines: Title Agent E&O Insurance, Cyber Liability Insurance, Fidelity/Crime Coverage, Title Agent Surety Bond, Real Estate E&O, Tax Preparer E&O, and Medicare Surety Bonds. Distribution is sales-led and direct — prospects download applications from titleliability.com and submit them via fax or email, after which quotes are sourced from carrier partners. Entry-level pricing is modest (Tax Preparer E&O from $154.70 annually; Medicare Surety Bonds from $250/year), with Title Agent E&O and Real Estate E&O priced on a quote basis. Go-to-market is anchored by sponsorship of five state and national title associations (PA, NJ, OH, NY Land Title Associations and NAILTA), which provide top-of-funnel distribution and industry credibility. Geographic operations are concentrated in the Northeast United States.

The firm earns revenue through brokerage commissions on placed policies and related services, with no disclosed funding, M&A activity, or external investors. Headcount is small (1-10 employees), consistent with a lifestyle-scale specialist brokerage. The competitive position is built on long-tenured industry expertise, the switching friction inherent in claims-made E&O policies with retroactive dates, and established association relationships — advantages that are meaningful in the niche but do not translate into scale advantages or technology differentiation. The firm is well-positioned within its defined niche but has not pursued geographic, technological, or product-surface expansion at a pace that would indicate a growth-stage trajectory.

Fran Kelly Professional Liability firmographics

Firmographics

Name: Fran Kelly Professional Liability
Legal name: Fran Kelly Professional Liability, LLC
Website: https://titleliability.com
Company type: Private
Founded year: 1990
Operating status: Operating
Headcount range: 1–10 employees
Short description: Fran Kelly Professional Liability is a family-owned independent insurance agency providing E&O, cyber liability, crime, and surety bond coverage exclusively for title agents, abstractors, and searchers, with 30+ years of specialized experience and multi-carrier brokerage capability.
Ownership category
akta.pro rank

Fran Kelly Professional Liability industry classification

Industry

Product category: Professional Liability Insurance Brokerage
NAICS: Insurance Agencies and Brokerages (52421)
SIC: Insurance Agents, Brokers & Service (6411)
akta.pro primary industry: Professional Liability (Errors & Omissions) (FSAJADAB)
akta.pro secondary industry: Professional Liability (E&O) (FSAJAGAC)

Keywords

Title insurance errors omissions
Professional liability brokerage
Cyber liability insurance
Surety bond services
Title agent coverage

Where Fran Kelly Professional Liability is headquartered

Location

Headquarters

HQ city: Philadelphia
HQ country: United States
HQ region: North America

Offices1 record

Markets served

Fran Kelly Professional Liability business model

Business model

GTM type: B2B
Offering type: Services
Cost components: Personnel, Marketing or Sales, Operations, Technology or R&D, Others

Revenue model

Insurance brokerage commissions: The company acts as an independent insurance agent/broker, earning commissions from placing insurance policies with carriers for title agents, abstractors, searchers, and other professionals. Revenue is generated through policy placement, renewals, and related insurance services.

Pricing tiers

Model	Billing	Price
Subscription	Annual	Tax Preparer E&O - Entry level coverage
One time/ perpetual license	Annual	Medicare Surety Bonds - DMEPOS suppliers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Fran Kelly Professional Liability product offering

Product offering

Core offering

Fran Kelly Professional Liability is an independent insurance agency that brokers specialized Errors & Omissions, Cyber Liability, Fidelity/Crime, and Surety Bond coverage exclusively for title insurance agents, abstractors, and searchers, with adjacent lines for real estate agents, tax preparers, and Medicare DMEPOS suppliers. Policies are placed with multiple carriers and delivered through direct application intake, with pricing ranging from quote-based for title lines to fixed annual premiums (e.g., Tax Preparer E&O from $154.70/year; Medicare Surety Bonds from $250/year).

Product overview

Fran Kelly Professional Liability is a dedicated insurance agency providing a portfolio of specialized coverage products exclusively for the title industry. The company offers seven distinct insurance products: Title Agent E&O Insurance, Cyber Liability Insurance, Fidelity/Crime Coverage, Title Agent Surety Bond, Real Estate E&O, Tax Preparer E&O, and Medicare Surety Bonds. These products are distributed as standalone insurance policies through direct applications, not as a unified software platform. The company serves as an independent insurance agent offering quotes from multiple carriers.

Differentiator

Problem solved

Functional benefit

Companies that use Fran Kelly Professional Liability

Customer profile

Segments5 records

Ideal customer profiles5 records

Fran Kelly Professional Liability technology and API

Technology

Technology focussed No

API detail

Has API: No
API docs
API detail

Core technology

AI maturity

App detail

Fran Kelly Professional Liability partnerships and signals

Strategic signal

Partnerships

Five partnerships are on record, tiered core.

Pennsylvania Land Title AssociationcoreGTM or Marketing PartnerFran Kelly Professional Liability is a proud sponsor of the Pennsylvania Land Title Association, demonstrating industry commitment and credibility.
New Jersey Land Title AssociationcoreGTM or Marketing PartnerFran Kelly Professional Liability is a proud sponsor of the New Jersey Land Title Association.
Ohio Land Title AssociationcoreGTM or Marketing PartnerFran Kelly Professional Liability is a proud sponsor of the Ohio Land Title Association.
New York Land Title AssociationcoreGTM or Marketing PartnerFran Kelly Professional Liability is a proud sponsor of the New York Land Title Association.
National Association of Independent Land Title Agents (NAILTA)coreGTM or Marketing PartnerFran Kelly Professional Liability is a proud sponsor of NAILTA, the national association for independent land title agents.

Scale indicators2 records

Recent moves5 records

Expansion highlights5 records

Fran Kelly Professional Liability competitors and assessment

Company assessment

Direct peers

Brown & Riding Insurance Services: National specialty insurance brokerage that places professional liability, E&O, and surplus lines coverage for niche professional classes. Directly comparable to Fran Kelly as an independent specialty broker earning commissions by placing complex professional liability business with multiple carriers.
Burns & Wilcox: Specialty wholesale insurance broker and underwriting manager focused on excess and surplus lines and professional liability placements. Comparable to Fran Kelly in targeting niche professional classes with multi-carrier distribution.
RPS (Risk Placement Services): Wholesale specialty insurance broker that places professional liability, E&O, and management liability coverage through excess and surplus markets. Comparable to Fran Kelly in serving hard-to-place professional risks via multi-carrier relationships on a commission basis.
CRC Insurance Services: Wholesale insurance brokerage placing specialty commercial and professional lines, including E&O, with retail broker partners. Comparable in business model to Fran Kelly as a commission-based specialty intermediary rather than a risk-bearing carrier.

Others

First American Title Insurance Company: Major national title insurance underwriter with agency and direct operations. Adjacent to Fran Kelly as an institutional counterparty shaping the buyer side of the title professional liability market.
National Association of Independent Land Title Agents (NAILTA): National trade association for independent land title agents. Adjacent to Fran Kelly as a GTM and marketing partner (sponsorship relationship) that channels demand from independent title agents.
Stewart Title Guaranty Company: Large national title insurance underwriter that operates agency and direct operations across the U.S. Adjacent to Fran Kelly as a key customer/institutional buyer of title E&O and surety placements, and a counterparty that influences demand for specialty brokers.
Old Republic Surety Company: Surety underwriter listed by the U.S. Treasury that issues commercial and Medicare surety bonds. Adjacent to Fran Kelly as a carrier counterparty in its surety bond product line.

Broad incumbents

Beazley: Specialty insurer underwriting professional liability, E&O, cyber, and management liability lines for professional services firms. Comparable to Fran Kelly in the products it places (E&O, cyber, crime), though Beazley is a carrier, not an independent broker.
Hiscox: Global specialty insurer that underwrites professional liability and E&O coverage across many professional classes, including small-business professional services. Comparable to Fran Kelly in serving the professional liability market, though as a risk-bearing carrier rather than an independent broker.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights5 records

Customer concentration

Fran Kelly Professional Liability financial estimates

Financial estimate

Revenue estimate

Valuation estimate

Fran Kelly Professional Liability leadership team

Management profile

Number of profiles

Profiles2 records

Fran Kelly Professional Liability funding detail

Funding detail

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

Fran Kelly Professional Liability M&A and investment

M&A and investment

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Fran Kelly Professional Liability

What does Fran Kelly Professional Liability do?

Is Fran Kelly Professional Liability a public or private company?

Fran Kelly Professional Liability is a private company. It is classified as family owned and is currently operating.

When was Fran Kelly Professional Liability founded?

Fran Kelly Professional Liability was founded in 1990. It employs 1 to 10 people.

Where is Fran Kelly Professional Liability based?

Fran Kelly Professional Liability is headquartered in Philadelphia, United States, in the North America region.

How does Fran Kelly Professional Liability make money?

One revenue line is on record: insurance brokerage commissions.

Who are Fran Kelly Professional Liability's main competitors?

Direct peers on record are Brown & Riding Insurance Services, Burns & Wilcox, RPS (Risk Placement Services) and CRC Insurance Services. Others are First American Title Insurance Company, National Association of Independent Land Title Agents (NAILTA), Stewart Title Guaranty Company and Old Republic Surety Company. Broad incumbents are Beazley and Hiscox.

Does Fran Kelly Professional Liability have an API?

No public API is recorded for Fran Kelly Professional Liability.

What industry is Fran Kelly Professional Liability in?

Fran Kelly Professional Liability's product category is Professional Liability Insurance Brokerage. Its primary akta.pro industry code is FSAJADAB, Professional Liability (Errors & Omissions), with a secondary code of FSAJAGAC, Professional Liability (E&O). Its NAICS code is 52421 and its SIC code is 6411.