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Community Bank Program & Commercial Aggregators

Martin & Zerfoss, Inc., located in Nashville, Tennessee, has been insuring community banks on a wholesale basis since 2002. Our book of business ranges from financially stable banks to financially unstable and distressed banks, regardless of asset size. For more information, please contact Tee Zerfoss ( 

Advantages to Retail Agents by Partnering with our Team 

  • Access to all the major markets that specialize in insuring financial institutions.
  • Assistance with limit determination, deductibles, terms and conditions.
  • Able to place excess coverage over primary D&O and other lines of liability coverage.
  • Will attend board meetings to discuss insurance proposals and answer questions, whether in person or by conference call.
  • Comprehensive knowledge of the financial industry and banking language.
  • Expertise in providing coverage for distressed banks, including working closely with the Bank’s counsel and the Director’s counsel.
  • Exceptional customer service and attention to detail.
  • Competitive commissions paid.


Lines of Coverage Written

  • Directors and Officer Liability
    • Publicly Traded or Privately Held
    • Excess D&O liability
    • Side A D&O (DIC)
  • Bankers Professional Liability
    • Lender Liability
  • Employment Practices Liability
    • 3rd Party Harassment
  • Fiduciary Liability
  • Trust Department Errors and Omissions
  • Financial Institution Bond
  • Cyber Liability
    • Internet Liability
    • Privacy Notification
    • Liability Mitigation Expenses
  • Property and Casualty
    • Package (Property & General Liability)
    • Auto
    • Workers Compensation
    • Umbrella
    • Mortgage E&O/Impairment
    • Foreclosed and Force Placed Properties

Other Target Classes of Business

  • Credit Unions
  • Investment Advisors

Serving insurance needs since 1978.

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