Man explaining benefits to group of people

Founded in 1954, Pearl Insurance, a division of One80 Intermediaries, is a leading broker, third party administrator, managing general underwriter and program manager offering professional and personal lines insurance, as well as specialty insurance programs for associations and unions.

Affinity Groups Overview

The target classes and typical risks we focus on for this program are:

Affinity Groups

  • Associations:
    • Physicians & Surgeons
    • Orthodontists
    • Accountants
    • Dentists
    • Engineers
    • Lawyers
    • Chemists
    • Realtors
    • Real estate appraisers
    • Social workers
    • Veterinarians
    • Military


  • Union Groups:
    • Civil service employees
    • Retiree union groups
    • Local government and Municipal employees

Business Insurance Lines for Professionals

  • Realtors
  • Law firms
  • Automotive repair shops
  • Engineers
  • Accountants
  • Orthodontists
  • Dentists
  • Social workers
  • Allied health professionals


  • Personal Lines

The highlighted features of this exclusive program include:

  • Deep roots in the affinity business and specialization in designing, administering and marketing insurance programs for associations and unions
  • Pearl is also a managing general agent (MGA) and managing general underwriting (MGU) of professional liability products, selling both direct and through brokers. The Company has been delegated binding authority from a number of carriers
  • Pearl Synergy® Systems is a sophisticated, fully integrated sales, marketing, policy administration and customer relationship management (CRM) system used to manage all customer-facing operations including activity tracking, campaign management, task management and issue resolution

The available coverages we have to offer for this program are:

Affinity Groups:

  • Life
  • Disability
  • Accident
  • Supplemental Health
  • Dental
  • Business Insurance
  • Member Benefit Programs

Professional Liability Insurance Programs:

  • Accountants
  • Engineers
  • Lawyers
  • Orthodontist Malpractice
  • Automotive Aftermarket Business Coverages
  • Real Estate E&O

Personal Lines for Individuals:

  • Auto
  • Renters
  • Homeowners
  • Motorcycle
  • Boat
  • RV
  • ATV/snowmobile
  • Umbrella insurance

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