Upward Risk Management LLC

RIA E&O Insurance
New Business Application

Financial Services Protection Insurance — complete all sections. Your information is used solely to obtain a quote from Markel.

1Firm Info
2Prior Coverage
3Operations
4Conflicts & Disclosures
5Assets & Services
6Revenue & AUM
7Coverage Request
8Supplemental
9Signature
10Documents

Application Submitted!

Your completed Markel application has been sent to your broker at Upward Risk Management. You'll receive a quote within 1–2 business days.

Firm Information
Full legal name of the Registered Investment Adviser or IAR applying for coverage.
Attachments Checklist
Check all items you are submitting with this application.
Prior Coverage & Claims History
Section A — General Information (Questions 1–4)
Q1. Has any insurer declined, cancelled, or non-renewed any Investment Adviser Professional Liability Insurance on behalf of any applicant? (Not applicable in Missouri)
Q2. Has any Professional Liability (E&O) claim, complaint, or proceeding been made against you or any predecessor organization?
Q3. Is any applicant aware of any fact, error, omission, or circumstance that may provide grounds for a claim under the proposed insurance?
Q4. Have you or any directors, officers, employees, predecessors, subsidiaries, or affiliates been involved in any pending or completed governmental, regulatory, investigative, or administrative proceedings?
Note If you answered Yes to any of the above, please attach a separate sheet with details. These answers do not automatically disqualify coverage.
Q5. Is any advisory customer an investment company, REIT, limited partnership, collective investment trust, or other pooled investment vehicle?
Q5b. If No — do you agree to notify Markel within 30 days if you begin rendering advisory services to such a customer?
Q6. Do you act as adviser or consultant for any Taft-Hartley, union, or governmental employee benefit plans?
Q7. During the last 3 years, have you or any affiliate been involved in any merger, acquisition, divestiture, or significant change in principals?
Operations & Trading
Questions 8–12 — trading practices, errors, ERISA, custodians
Q9. Do you provide personal management services (sports management, bill paying, concierge) to any customer?
Q10. Securities Trading
Q10b. Does an automated system track trades from order through execution?
Q10c. Is a trading guidelines manual utilized?
Q10d(2). Does your contract with the clearing firm hold you harmless for liability arising from their acts?
Q10d(3). Are trades cleared only on a fully disclosed basis?
Q10f. Does the trade entry system permit overrides (manual or otherwise)?
Q11. Trading Errors
Before execution, are there procedures to ensure trades don't violate investment agreements?
Q11a. Are there mechanisms to quickly identify if a trading error has occurred?
Q11b. Have you ever had a trading error loss in excess of $5,000?
Q11c. Do you provide ERISA 3(38) Investment Manager or ERISA 3(21) Limited Scope Fiduciary services?
Q12. Custodians / Trade Associations
Q13. Individual Advisers

Independent contractors (1099) are not automatically covered. List all advisers who provide financial advice.

NameDesignationsCRD #
Conflicts of Interest & Disclosure Events
Questions 14–16 — please answer all questions honestly
Q14a(1). Does any partner/officer/employee act as both Trustee AND adviser to any customer?
Q14a(2). Does any partner/officer/employee hold a position of control in any organization where customers are solicited to invest?
Q14a(3). Do you advise/solicit customers to invest in any enterprise where a firm member has more than 5% ownership?
Q14a(4). Do you advise customers to invest in any enterprise where another customer has more than 5% ownership?
Q14a(5). Do you act as adviser to an organization where you/members have more than 5% ownership?
Q14a(6). Do you currently use performance-based fees?
Q14a(7). Do you use third-party solicitors to generate business?
Q14b. Is any applicant a director/officer/employee in a position of control for any organization that is also an advisory customer?
Q14c. Are you or any partner/officer/director/employee a CPA?
Q15. Disclosure Events

Have you or any associated professional ever:

15a. Had a professional license or registration denied, suspended, revoked, non-renewed, or restricted?
15b. Been formally reprimanded by any court, administrative, or regulatory agency?
15c. Had a complaint filed with any consumer agency, state securities dept, SEC, FINRA, or other regulatory agency?
15d. Been audited by the SEC, FINRA, any state securities department, or other regulatory agency?
15e. Been formally accused of violating any professional association's code of ethics?
15f. Been convicted of a felony or any civil proceeding?
15g. Been involved in any fee disputes including suits?
Q16. Excluding advisory fees and authorized disbursements, do you have power to withdraw or disburse funds from any customer account?
Asset Allocation & Services
Q17 — Enter the % of total assets in each category (must total 100%). Q18 — % of professional services.
Enter percentages only for categories that apply. Mutual Funds or ETFs holding other security types should be classified as Mutual Funds / ETFs. Leave blank if 0%.
Asset Class%Asset Class%
Mutual Funds (all styles)Foreign Securities (100% outside US)
CashCertificates of Deposit
Closed-End Investment CompaniesUnit Investment Trusts (UIT)
Variable AnnuitiesUnlisted Stocks
Investment Grade BondsUnregistered Securities
Listed StocksIndex Linked Securities
ETFs (ex. leveraged & inverse)Junk Bonds / Below Investment Grade
Leveraged ETFsPromissory Notes / Leases / Receivables
Inverse ETFsHedge Funds
Municipal SecuritiesFund of Hedge Funds
OptionsGuaranteed Investment Contracts (GIC)
REITs (Publicly Traded)Collective Investment Trusts (CIT/CIF)
REITs/REIFs (Privately Traded)Tangibles (gold, silver, collectibles, etc.)
Limited / General PartnershipsABS / MBS / CMO / CDOs
Exchange Traded Notes (ETN)Church Bonds
Digital Asset / CryptocurrencyNon-Fungible Tokens (NFTs)
OtherOther Derivatives / Structured Products
Q18. Professional Services Mix

Enter approximate % for each service you provide (must total 100%). LPOA = Limited Power of Attorney.

Service%Service%
Modular / Comprehensive Financial PlanningInvestment Management / Pension Consulting
Divorce Financial ConsultingHourly Advice
Discretionary Asset Management (LPOA)Wrap Accounts
Non-Discretionary Asset Management (LPOA + Prior Consent)Tax Preparation
Asset Monitoring (No LPOA)Seminars / Education
Product Sales Based on Financial PlanThird Party Pension Administration
Product Sales NOT Based on Financial PlanTiming Services
Publish Newsletters for Subscription / FeeThird Party Money Managers
Other
Revenue & Assets Under Management
Q19 — Annual gross revenues. Q20 — Value of AUM/AUA.
Q19. Sources of Revenue

Gross revenues from all covered individuals and entities.

YearAnnual Total Gross Revenue% Fee-Only% Commission# Advisors
Last Year
Current Year (projected)
Next Year (projected)
Q20. Assets Under Management / Advisement
Account TypeMarket Asset ValueValue of Largest Account# Customers
Discretionary AUM
Non-Discretionary AUM
Asset Monitoring (No LPOA)
Referral to Third Party Manager
Requested Coverage
Q21 — Select your desired limit and deductible. Markel does not guarantee any specific limit or deductible.
Policy Limit (per occurrence / aggregate)
Deductible
Section B — Supplemental Coverages
Indicate whether you want to request or decline each optional coverage.

For each supplemental coverage below, select Request or Decline:

Tax Preparation Coverage
Independent Contractors Coverage
Product Sales Coverage
Directors & Officers Liability
Employment Practices Liability
Specified Professions Professional Liability
Certification & Signature
Please review and sign the application.
Notice — Claims-Made Coverage This application is for coverage on a claims-made and reported basis. Such coverage, if issued, will apply solely as stated in the policy and will potentially cover only those claims that are first made against you and reported to us during the policy period or extended reporting period, if applicable.

By submitting, you declare that: (1) all statements are true and accurate; (2) you are not aware of any undisclosed fact that may result in a claim; (3) you understand the claims-made nature of the proposed policy.
What happens next? Clicking Submit sends your completed Markel application to your broker at Upward Risk Management. They will review it and send you a quote within 1–2 business days. No coverage is bound until you receive a written quote and confirm.
Something went wrong submitting your application. Please try again or call us directly.
Supporting Documents
Optional — upload your supporting documents securely. All files are encrypted in transit and at rest.
Document Submission To complete your application, Markel typically requires the following documents. You may upload them here now, or submit them separately at your convenience — simply email them to info@upwardriskmanagement.com and reference your firm name. Your application will be processed once all materials are received.
Form ADV Part 1 & 2A
Form ADV Part 2B Supplements
Current Balance Sheet
Income Statement
Sample Customer Contracts
Regulatory Audit Letter
Investment Philosophy
Trading Policy & Procedures

Files are encrypted with AES-256 and stored securely. Maximum 20 files, 500MB each.

Prefer to email? Send documents to info@upwardriskmanagement.com with your firm name in the subject line. We will match them to your application automatically.