# CapSpecialty > Specialty insurance for small and midsized businesses \-\- admitted and non\-admitted across all 50 states\. ## At a glance | Field | Value | | --- | --- | | Type | MGA | | Region | NA | | Headquarters | Middleton, Wisconsin | | Founded | 1959 | | Stage | Established | | Employees | 501-1000 | ## Overview CapSpecialty is a U.S.-based specialty insurance group that underwrites admitted and non-admitted lines for small to midsized businesses through three carrier subsidiaries: Capitol Indemnity Corporation, Capitol Specialty Insurance Corporation (both domiciled in Middleton, Wisconsin), and Platte River Insurance Company (Omaha, Nebraska). Founded in 1959 as Capitol Indemnity, the company was acquired by Alleghany Corporation in January 2002 and rebranded CapSpecialty. Following Alleghany's USD 11.6B acquisition by Berkshire Hathaway in October 2022, CapSpecialty continues to operate as an independent specialty underwriting platform. Its balance sheet is supported by significant quota share and excess of loss reinsurance agreements with affiliated National Indemnity Company. In March 2026, AM Best upgraded CapSpecialty's Financial Strength Rating to A+ (Superior) from A (Excellent), citing strongest-level risk-adjusted capitalization, improving operating performance, and the strength of its Berkshire Hathaway affiliation. ## Products & services ### Professional Liability Professional liability E&O products for a wide range of professionals and service businesses. **Key features:** - Non\-admitted E&O: broad, flexible for risks up to USD 250M revenue; can accommodate prior acts, claims history, and complex classes - Admitted E&O: streamlined underwriting, 150\+ eligible classes, premiums from USD 500, for businesses up to USD 25M revenue - Specialty product for small/midsized insurance companies \(up to USD 250M GWP\) including unrated carriers, captives, RRGs, and public entity pools *Target users:* Asset managers, insurance agents and brokers, insurance companies, lawyers, media and film companies, miscellaneous service providers *Distribution:* Wholesale and retail agents ### TechMediaCyber \(CapTMC\) Non-admitted blended E&O, media liability, and cyber product for technology companies. **Key features:** - Technology E&O with broad professional services definition - Data privacy and network security \(cyber\) - Media liability coverage - Coverage for electronic data and paper files - Expansive definition of Technology and Internet Activities *Target users:* Small to midsized technology providers, internet service companies, content disseminators *Distribution:* Wholesale agents ### Management Liability Directors & officers, employment practices liability, and fiduciary liability for private and non-profit organizations. **Key features:** - D&O, EPL, and fiduciary liability - Insurance company\-specific D&O/EPL product for small/midsized carriers *Target users:* Private companies, non\-profit organizations *Distribution:* Wholesale and retail agents ### Healthcare Liability Professional and management liability products for healthcare organizations and facilities. **Key features:** - Hospital Professional Liability - Managed Care Liability - Healthcare Management Liability \(D&O, EPL for healthcare entities\) - Human services organization coverage *Target users:* Human services organizations, miscellaneous medical facilities, hospitals, managed care organizations *Distribution:* Wholesale agents ### Construction Specialty GL for commercial and residential construction risks on a surplus lines basis. **Key features:** - General liability for hard\-to\-place construction risks - Available surplus lines in all states except Colorado *Target users:* Commercial and residential general contractors and subcontractors *Distribution:* Wholesale agents ### Environmental Affirmative pollution liability for contractors performing commercial cleanup and remediation. **Key features:** - Contractor's pollution liability \(CPL\) - Monoline pollution coverage - Specialty environmental casualty *Target users:* Environmental contractors, remediation firms *Distribution:* Wholesale agents ### Special Risks \(Specialty GL\) E&S general liability for unique and hard-to-place casualty risks. **Key features:** - True E&S underwriting approach - Creative solutions for non\-standard GL - Admitted and surplus lines options *Target users:* Manufacturers, distributors, boutique hospitality, food products, special events *Distribution:* Wholesale agents ### Surety & Fidelity Contract and commercial surety bonds plus fidelity/crime coverage. **Key features:** - Commercial and commercial contract surety - Small construction contract surety - Non\-standard surety \(hard\-to\-place risks\) - Fidelity/crime bonds *Target users:* Contractors, businesses requiring performance guarantees, organizations with fidelity exposures *Distribution:* Retail and wholesale agents; Capitol Express \(CapEx\) portal for straight\-through surety processing ## Links - Website: - Directory profile: - Linkedin: - Press/news: - Agent portal \(acce\): --- *Last updated: 2026\-05\-11*