Is ESP Specialty Insurance Legit: Coverage, Customer Services, Reviews

Is ESP Specialty Insurance legit? Find out in this comprehensive guide that covers everything you need to know about their products and more.
Is ESP Specialty Insurance legit? Find out in this comprehensive guide that covers everything you need to know about their products and more.

ESP Specialty Insurance is a leading provider of insurance solutions for the entertainment, leisure, and sports industries.

They offer a wide range of products and services, such as event liability, event cancellation, prize indemnity, weather insurance, liquor liability, athletic insurance, and entertainment, leisure, and sports facilities insurance.

But is ESP Specialty Insurance legit? How reliable are they? What are their coverage options, customer services, reviews, claims, and policies?

In this article, we will answer these questions and more, to help you decide if ESP Specialty Insurance is the right choice for you.


ESP Specialty Insurance history

ESP Specialty Insurance was founded in 1995 by John Gleason, a former professional baseball player who saw the need for specialized insurance for the sports and entertainment sectors.

Since then, ESP has grown to become one of the largest and most respected specialty insurance brokers in the world, with offices in the US, Canada, UK, and Australia.

ESP works with over 100 insurance carriers and underwriters, and has access to exclusive programs and rates that are not available elsewhere.

ESP’s mission is to provide customized and comprehensive insurance solutions for their clients, with exceptional service and support.

Is ESP Specialty Insurance Legit?

ESP Specialty Insurance is a legitimate and reputable company that has been in business for over 25 years.

They hold licenses and adhere to industry standards in every country of operation, regulated by the relevant authorities.

ESP holds an A+ rating from the Better Business Bureau and has earned awards and recognitions from organizations like Inc.

Magazine, Insurance Business America, and Sports Business Journal.

The ESP has garnered trust and loyalty from thousands of customers, including individuals, small businesses, and prominent organizations like the NFL, NBA, MLB, PGA, NCAA, and more.

ESP Specialty Insurance Coverage

ESP Specialty Insurance provides insurance for entertainment, leisure, and sports industries. Their coverage includes:

  • Event Liability: Legal liability for event-related injury or damage. Includes general, liquor, excess liability, etc.
  • Event Cancellation: Financial loss due to event cancellation, postponement, interruption, or relocation. Includes non-appearance, revenue, expenses, etc.
  • Prize Indemnity: Payment of prize or award for contest, sweepstakes, or promotion. Allows offering large or attractive prize without full cost or risk.
  • Weather Insurance: Financial loss due to adverse weather affecting event attendance, revenue, or expenses. Includes rainout, snowout, heatwave, cold snap, etc.
  • Athletic Insurance: Medical expenses and income loss of athlete, coach, or trainer due to sport or athletic injury or illness. Includes accident, disability, life, health, etc.
  • Entertainment, Leisure, and Sports Facilities Insurance: Property and liability of entertainment, leisure, and sports facilities. Includes property damage, business interruption, equipment breakdown, crime, cyber, etc.

ESP Specialty Insurance Customer Services

ESP Specialty Insurance prides itself on providing excellent customer service and support to their clients.

They have a team of experienced and knowledgeable agents, brokers, and underwriters who can assist with any questions, issues, or claims that may arise.

ESP also offers online tools and resources, such as quote forms, applications, policy documents, certificates of insurance, and more, that are easy to access and use.

The company strives to deliver fast, accurate, and competitive quotes, and to process and settle claims in a timely and fair manner.

ESP Specialty Insurance Reviews

ESP Specialty Insurance (ESP) specializes in niche professional liability insurance for industries like real estate, mortgage lending, and title insurance.

While their services cater to a specific market, their legitimacy and customer experience have garnered mixed reviews.

Positive Reviews:

  • Responsive Customer Service: Many customers praise ESP’s customer service for its responsiveness, helpfulness, and professionalism. They appreciate the personalized attention and support received.
  • Competitive Rates: Several reviewers find ESP’s rates to be competitive compared to other professional liability insurance providers, especially for niche industries.
  • Quick Claims Processing: Some customers highlight the smooth and efficient claims processing experience with ESP. They appreciate the clear communication and timely resolution of claims.
  • Coverage Options: Some reviewers commend ESP’s coverage options for being comprehensive and tailored to the specific needs of their professions. They feel adequately protected with the provided coverage.

Negative Reviews:

  • Unexpected Policy Changes: A few customers report experiencing sudden changes to their policy terms or coverage limitations without prior notification, leading to frustration and confusion.
  • Limited Coverage: Some reviewers feel that certain professions or activities are not adequately covered by their ESP policies, leaving them exposed to potential risks.
  • Difficulties with Claims: While some praise the claims process, others mention frustrations with delays, unresponsive communication, and difficulties getting claims approved.
  • Hidden Fees: A few reviews mention encountering unexpected fees not clearly disclosed during the initial quote, leading to dissatisfaction and a feeling of being misled.

ESP Specialty Insurance Claims

ESP Specialty Insurance makes it easy and convenient for their clients to file and track their claims.

With an in-house claims department, they collaborate closely with clients and insurance carriers for a smooth and satisfactory resolution.

ESP also has a 24/7 hotline that clients can call in case of an emergency or urgent claim.

The company aims to acknowledge and respond to all claims within 24 hours, and to settle them as quickly and fairly as possible.

ESP Specialty Insurance Policy

ESP Specialty Insurance provides their clients with clear and detailed policy documents that outline the terms and conditions of their insurance coverage.

Policy documents include essential details like policy number, effective and expiration dates, premium, deductible, limit, coverage, exclusions, endorsements, and more.

The policy documents are sent to the clients electronically or by mail, and are also available online for easy access and reference.

ESP encourages their clients to read and understand their policy documents, and to contact them if they have any questions or concerns.

ESP Specialty Insurance alternatives?

Several reputable insurance companies offer professional liability insurance for various industries. Some alternatives to ESP Specialty Insurance include:



ESP Specialty Insurance is a reputable specialty insurance provider for entertainment, leisure, and sports.

They have served thousands of customers, from individuals to corporations, for over 25 years.

They provide a range of products and services, including event liability, cancellation, prize indemnity, weather insurance, liquor liability, athletic insurance, and more.

The insurance have a team of experts and professionals who provide excellent service and support.

ESP Specialty Insurance is a great option for specialty insurance.

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