360 Coverage Pros
360 Coverage Pros is a US-based insurance program administrator that distributes professional liability and errors & omissions coverage from A-rated carriers (Lloyd's, BCS, CNA) to independent professionals and small businesses across 14+ verticals, via self-serve digital enrollment, channel partners (NAPA, CRES, Elite Beauty Society), and Gallagher Affinity back-office administration.
- Company typePrivate
- Founded1990
- HeadquartersLakewood, United States
- Headcount51–100
- GTM typeB2C
- OfferingServices
What 360 Coverage Pros does
360 Coverage Pros is a Lakewood, New Jersey-based insurance program administrator specializing in professional liability and errors & omissions (E&O) coverage for independent professionals and small businesses across more than a dozen verticals including insurance agents and agencies, RIAs and financial planners, lawyers and law firms (up to 19 attorneys), accountants and CPAs, real estate agents, brokers and appraisers, professional mariners with USCG credentials, and wellness practitioners (yoga teachers, massage therapists, personal fitness trainers, beauty experts) along with veterinarians (prior to January 1, 2024) and a cross-vertical cyber liability offering. The company distributes through a digital-first self-serve website with click-and-bind applications for most programs, supplemented by channel-partner referral funnels with NAPA (insurance agents) and CRES (real estate appraisers), a white-label arrangement with Elite Beauty Society for cosmetology, and phone/chat inside sales for marine and complex commercial lines. Underwriting is provided entirely by third-party, A.M. Best A or higher-rated carriers — BCS Insurance Company, Lloyd's of London, and CNA — with back-office policy administration, billing, certificate, and customer support delegated to its parent administrator, Gallagher Affinity Insurance Services, a unit of Arthur J. Gallagher & Co.
The company runs as a specialty MGA/program administrator, not a carrier: it places business with approved underwriters, packages enrollment and service workflows, and competes primarily on speed of bind, online experience, and vertical-specific product fit rather than on proprietary technology or AI. The technology stack is described as a customer-facing portal for account management, certificate access, payments, and policy viewing, plus a third-party (RPS-hosted) cyber quoting portal — there is no proprietary quoting engine, no proprietary underwriting model, and no documented AI/ML capability. Pricing varies widely by vertical and risk size: yoga teacher liability from $14.58/month, massage and cosmetology from $159/year, cyber liability from $199/year, real estate E&O from $530/year, lawyer malpractice from $800/year, and RIA E&O from $148.58/month, with annual or monthly billing, multi-year options, and group rate programs available for some verticals.
The business model is recurring-commission/agency economics on placement and renewal of professional liability policies; revenue derives from broker commissions on premium written through its approved carriers, supplemented by potential group program and affinity fees. Distribution is single-country (United States) with documented state-level exclusions on veterinarian (NY, IN) and cyber (VT, US territories) programs. Ownership sits with Gallagher Affinity, no external funding rounds have been disclosed, and no revenue or headcount growth data is publicly available; the company has stated since-1990 operating history and reports having served "thousands of professionals" with E&O insurance needs.
360 Coverage Pros firmographics
Firmographics- Name
- 360 Coverage Pros
- Legal name
- 360 Coverage Pros
- Website
- https://360coveragepros.com
- Company type
- Private
- Founded year
- 1990
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- 360 Coverage Pros is a US-based insurance program administrator that distributes professional liability and errors & omissions coverage from A-rated carriers (Lloyd's, BCS, CNA) to independent professionals and small businesses across 14+ verticals, via self-serve digital enrollment, channel partners (NAPA, CRES, Elite Beauty Society), and Gallagher Affinity back-office administration.
- Ownership category
- akta.pro rank
360 Coverage Pros industry classification
Industry- Product category
- Professional Liability Insurance
- NAICS
- Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines) (FSAEADAJ)
- akta.pro secondary industries
- Embedded Insurance & Affinity Distribution Platforms (FSAGAGAL), Professional Liability (E&O) (FSAJAGAC)
Keywords
Where 360 Coverage Pros is headquartered
LocationHeadquarters
- HQ city
- Lakewood
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
360 Coverage Pros business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Others
Revenue model
- Insurance Premium Revenue: 360 Coverage Pros earns revenue by brokering professional liability, E&O, and specialty insurance policies for independent professionals and small businesses. Customers pay insurance premiums (annual or monthly) for coverage underwritten by third-party carriers. The company acts as a licensed insurance agent/broker (administered by Gallagher Affinity), placing business with approved underwriters including BCS Insurance Company, Lloyd's of London, and CNA.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Cyber Liability & Data Breach — Revenue $0–$1M: $199–$400/yr |
| Subscription | Annual | Cyber Liability & Data Breach — Revenue $1M–$2.5M: $310–$799/yr |
| Subscription | Annual | Cyber Liability & Data Breach — Revenue $2.5M–$5M: $410–$999/yr |
| Subscription | Monthly | Yoga Teacher Insurance: $14.58/month |
| Subscription | Annual | Massage Therapist Insurance: $159/year |
| Subscription | Monthly | Personal Fitness Trainer Insurance: $15.49/month |
| Subscription | Annual | Beauty Expert/Cosmetologist Insurance: $159/year |
| Subscription | Monthly | Professional Mariners Insurance: $25.83/month |
| Subscription | Annual | Real Estate Agent E&O: $530/year |
| Subscription | Monthly | Life & Health Insurance Agent E&O: $26.25/month |
| Subscription | Annual | Lawyer Malpractice Insurance: $800/year |
| Subscription | Monthly | P&C Insurance Agent E&O: $54.58/month |
| Subscription | Monthly | Agency E&O Insurance: $82.08/month |
| Subscription | Monthly | RIA/IAR/Financial Planner E&O: $148.58/month |
| Subscription | Monthly | Veterinarian Professional Liability: $17.50/month |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels6 records
360 Coverage Pros product offering
Product offeringCore offering
360 Coverage Pros is a licensed insurance broker and program administrator that specializes in professional liability, errors & omissions, and malpractice insurance for independent professionals and small businesses across 14+ verticals (insurance agents, RIAs, mariners, lawyers, accountants, real estate, yoga, massage, fitness, cosmetology, veterinarians, and cyber liability). Customers purchase policies online through self-serve click-and-bind applications, with coverage underwritten by top-rated carriers (BCS Insurance Company, Lloyd's of London, CNA) and policy administration handled by Gallagher Affinity. The company earns revenue by brokering these specialty insurance programs, with both individual policies and group benefits available.
Product overview
360 Coverage Pros is a professional liability insurance marketplace offering specialized E&O and malpractice coverage across 14 distinct insurance programs for various professional sectors. The portfolio includes core products for real estate professionals, mariners, insurance agents, lawyers, accountants, financial advisors, wellness professionals (yoga, massage, fitness, cosmetology), veterinarians, and cyber liability protection. Products are distributed through an online platform with fast click-and-bind applications, backed by top-rated insurance carriers including Lloyd's of London, BCS Insurance Company, and CNA. The company operates as a program administrator underwritten by Gallagher Affinity, providing both individual policies and group benefit programs for employers.
Differentiator
Problem solved
Functional benefit
Brands
- Elite Beauty Insurance: Cosmetology and beauty professional liability insurance program offering coverage for hairstylists, cosmetologists, and beauty experts.
- E&O For Less
Products and services
- Real Estate Agent & Broker Errors and Omissions Insurance Professional liability coverage for real estate agents and brokers protecting against claims of negligence, errors, or omissions in professional services, starting at $530/year with multiple limit and deductible options.
- Professional Mariners Liability Insurance Professional liability coverage for mariners holding U.S. Coast Guard licenses or pilotage credentials, covering license protection, civil legal defense, civil legal liability, and loss of income, starting at $25.83/month.
- Insurance Agents & Agencies Errors and Omissions Insurance Comprehensive E&O coverage for insurance agents and agencies, including Life & Health Agent E&O ($26.25/month), P&C Agent E&O ($54.58/month), and Agency E&O ($82.08/month), covering failure to procure, misrepresentation, administrative errors, and policy documentation issues.
- Lawyers & Law Firms Malpractice Insurance Malpractice insurance for lawyers and law firms covering firms up to 19 attorneys with limits up to $10 million, starting at $800/year.
- Accountant Professional Liability Insurance Professional liability coverage for accountants, CPAs, and accounting firms protecting against losses from negligence, errors, omissions, and tax preparation errors, with broad liability coverage options for individuals and firms.
- RIAs, IARs, RRs & Financial Planners E&O Insurance Errors and omissions coverage for Registered Investment Advisors, Investment Adviser Representatives, Registered Representatives, and Financial Planners protecting against advisory service errors, negligent investment advice, and regulatory compliance defense, with limits up to $1M/$3M starting at $148.58/month.
- Cyber Liability & Data Breach Insurance (Professional Services) Comprehensive cyber insurance for small businesses and independent professionals covering cyber hacking, data breaches, privacy violations, defense costs, regulatory claims, multimedia liability, and cyber crime, starting at $199/year with limits up to $2M.
- Yoga Teachers & Students Insurance Professional liability coverage for yoga instructors, trainers, therapists, and students with portable protection for studio or other work locations, starting at $14.58/month and including industry discounts.
- Massage Therapists Insurance Professional liability coverage for massage therapists with unlimited additional insureds and free online NCBTMB-approved CE courses, starting at $159/year with portable protection.
- Personal Fitness Trainers Insurance Professional liability coverage for personal fitness trainers covering 100+ workout routines including Pilates and dance, including general liability and group fitness program coverage, starting at $15.49/month with portable protection.
- Cosmetology Insurance (Elite Beauty) Beauty expert liability insurance through Elite Beauty Insurance covering 450+ beauty and wellness services, with $2M professional/general liability, $2M product liability, and $25K identity theft protection, starting at $159/year.
- Veterinarians Professional Liability Insurance Veterinary professional liability insurance for companion animal veterinarians covering business entity, contractors, and additional insureds with no deductible and no membership fees, starting at $17.50/month (program non-renewed by Lloyd's effective January 1, 2024).
- Real Estate Appraiser E&O Insurance E&O coverage for residential and commercial real estate appraisers with limits up to $1M each claim/$2M aggregate and an A.M. Best A++ rated carrier.
- Small Business Cyber Liability & Data Breach Insurance Cyber liability coverage for small businesses protecting against costs of data breaches including forensic discovery, remediation, and reporting requirements, with fast online application and 24/7/365 breach response line access.
- E&O For Less (P&C Insurance Agent E&O) Errors and Omissions insurance program for property and casualty insurance agents under the E&O For Less sub-brand, operated in partnership since 1990 with CNA providing admitted carrier coverage through Professional Agents Risk Purchasing Group (PARPG).
Quantifiable outcome
- Instant proof of insurance available for most programs upon enrollment
- +3 more outcomes
Companies that use 360 Coverage Pros
Customer profileSegments12 records
Ideal customer profiles2 records
360 Coverage Pros technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration4 records
360 Coverage Pros partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered core and minor.
- NAPA (National Association of Professional Agents)coreNAPA (National Association of Professional Agents) partners with 360 Coverage Pros to offer E&O insurance programs for insurance agents and agencies. NAPA redirects visitors from its website to 360 Coverage Pros' dedicated enrollment portal for Life & Health Agent E&O and Agency E&O insurance.
- CRES InsurancecoreCRES Insurance partners with 360 Coverage Pros to offer Real Estate Appraiser E&O insurance. Visitors from the CRES website are redirected to a dedicated enrollment page for real estate appraiser errors and omissions coverage.
- BCS Insurance CompanycoreBCS Insurance Company is the A.M. Best 'A' (Excellent) rated admitted insurance carrier providing cyber liability and data breach coverage underwritten through Lloyd's for 360 Coverage Pros' small business and professional services cyber insurance program.
- Lloyd's of LondoncoreLloyd's of London underwrites the veterinarian professional liability insurance program (Companion Animal Exclusive). Rated 'A' XV (Excellent) by A.M. Best. Note: The veterinarian program was non-renewed effective January 1, 2024.
- CNA (Chicago National Insurance Company)coreCNA provides the insurance products and coverage described in the E&O For Less property and casualty agent E&O insurance program. The program is structured through Professional Agents Risk Purchasing Group (PARPG) under the Federal Liability Risk Retention Act.
- Elite Beauty SocietyminorElite Beauty Society (operating as Elite Beauty Insurance) partners with 360 Coverage Pros to provide cosmetology and beauty expert liability insurance. The partner website drives enrollment to the Elite Beauty Insurance program with coverage starting at $159/year for hairstylists and cosmetologists.
- Gallagher Affinitycore360 Coverage Pros is administered by Gallagher Affinity Insurance Services, Inc. Gallagher Affinity handles program administrative services including policy review and issuance, premium billing and invoicing, mid-term policy changes, certificate coordination, online enrollment, account management, and a dedicated customer support team with phone, chat, and online contact features.
Scale indicators2 records
Recent moves6 records
Expansion highlights5 records
360 Coverage Pros competitors and assessment
Company assessmentDirect peers
- Next Insurance: Digital-first small business insurance carrier offering professional liability, E&O, general liability, and workers' comp to independent professionals and SMBs. Direct competitor in the same click-and-bind, vertical-specialized professional liability market.
- CoverWallet: Digital insurance brokerage (acquired by Aon) that helps small businesses compare and purchase professional liability, general liability, and other commercial policies online. Competes in the same digital SMB insurance distribution space.
- Insurance Canopy: Specialty online insurance broker focused on professional liability for healthcare and wellness professionals, with affinity partnerships and online enrollment. Direct competitor in massage, fitness, beauty, and personal training professional liability.
- Thimble: Insurtech offering on-demand professional liability and general liability insurance to small businesses and independent contractors, with a pay-by-the-month subscription model. Competes directly in the same SMB professional liability verticals (yoga, fitness, beauty, etc.).
- Proliability (HPSO): Healthcare Providers Service Organization offering professional liability insurance to individual healthcare and wellness practitioners (massage therapists, fitness trainers, etc.). Direct competitor in the wellness professional liability verticals.
- Hiscox: Specialty insurer and broker providing professional liability and E&O coverage to small businesses and independent professionals. Competes head-to-head across multiple verticals including real estate, consultants, and wellness professionals.
Emerging players
- Founder Shield: Specialty insurance broker offering professional liability, D&O, cyber, and E&O coverage to startups and small businesses. Competes in adjacent professional liability segments with similar digital distribution.
- Berxi: Berxi (a Berkshire Hathaway specialty insurer) provides professional liability and malpractice insurance to healthcare and wellness professionals. Competes in adjacent professional liability verticals with a similar digital-first model.
Broad incumbents
- Arthur J. Gallagher & Co. The ultimate parent organization administering 360 Coverage Pros via its Affinity division. A global insurance brokerage and risk management firm offering a much broader portfolio including commercial P&C, benefits, and risk consulting — operates the same specialty distribution model at far greater scale.
- CBIZ Insurance Services: National insurance brokerage providing professional liability, E&O, and specialty coverage to small and mid-sized businesses across multiple verticals. Broader incumbent offering overlapping products through traditional broker channels.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
360 Coverage Pros social profiles
Digital presence360 Coverage Pros compliance and trust
Trust signalCompliance6 records
360 Coverage Pros financial estimates
Financial estimateRevenue estimate
Valuation estimate
360 Coverage Pros leadership team
Management profileNumber of profiles
Profiles4 records
360 Coverage Pros funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
360 Coverage Pros M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about 360 Coverage Pros
What does 360 Coverage Pros do?
360 Coverage Pros is a licensed insurance broker and program administrator that specializes in professional liability, errors & omissions, and malpractice insurance for independent professionals and small businesses across 14+ verticals (insurance agents, RIAs, mariners, lawyers, accountants, real estate, yoga, massage, fitness, cosmetology, veterinarians, and cyber liability). Customers purchase policies online through self-serve click-and-bind applications, with coverage underwritten by top-rated carriers (BCS Insurance Company, Lloyd's of London, CNA) and policy administration handled by Gallagher Affinity. The company earns revenue by brokering these specialty insurance programs, with both individual policies and group benefits available.
Is 360 Coverage Pros a public or private company?
360 Coverage Pros is a private company. It is classified as corporate owned and is currently operating.
When was 360 Coverage Pros founded?
360 Coverage Pros was founded in 1990. It employs 51 to 100 people.
Where is 360 Coverage Pros based?
360 Coverage Pros is headquartered in Lakewood, United States, in the North America region.
How does 360 Coverage Pros make money?
One revenue line is on record: insurance Premium Revenue.
Who are 360 Coverage Pros's main competitors?
Direct peers on record are Next Insurance, CoverWallet, Insurance Canopy, Thimble, Proliability (HPSO) and Hiscox. Emerging players are Founder Shield and Berxi. Broad incumbents are Arthur J. Gallagher & Co. and CBIZ Insurance Services.
Does 360 Coverage Pros have an API?
No public API is recorded for 360 Coverage Pros.
What industry is 360 Coverage Pros in?
360 Coverage Pros's product category is Professional Liability Insurance. Its primary akta.pro industry code is FSAEADAJ, Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines), with a secondary code of FSAGAGAL, Embedded Insurance & Affinity Distribution Platforms. Its NAICS code is 5242 and its SIC code is 6411.