Commercial insurance, cut to measure.
Every line of commercial insurance a business needs, from general liability and workers' comp to D&O, cyber and malpractice. We go deepest where policy wording matters most, and place it all across 50+ carriers and specialty markets.
01
Commercial Property & Casualty
The essential coverage businesses need to protect their operations, assets and liabilities.
- General Liability & Products Liability InsuranceThird-party bodily injury, property damage and products-related claims.
- Commercial Property InsuranceBuildings, equipment, inventory, business income and extra expenses following covered property losses.
- Business Owner's Policy (BOP)Liability, property and business income coverage combined into one policy.
- Workers' Compensation InsuranceMedical care and lost wages for employees injured on the job.
- Commercial Auto InsuranceCoverage for business vehicles and fleets, from one truck to many.
- Hired & Non-Owned Auto Insurance (HNOA)Liability protection when employees use personal or rented vehicles for business purposes.
- Umbrella & Excess Liability InsuranceAdditional liability limits above underlying commercial liability policies.
02
Professional & Technology Liability
Protection against claims arising from professional services, advice, technology and specialized business activities.
- Professional Liability / E&O InsuranceClaims alleging that your professional advice, services or work caused a financial loss.
- Technology Errors & Omissions (Tech E&O) InsuranceClient claims alleging that your software, technology products or services failed to perform as expected.
- Lawyers Professional Liability InsuranceLegal malpractice coverage for attorneys and law firms.
- Healthcare & Allied Health Professional LiabilityMalpractice coverage for healthcare providers, practitioners and medical organizations.
- Cyber Liability InsuranceFinancial protection against data breaches, ransomware, network security incidents and other cyber-related exposures.
- Intellectual Property (IP) Infringement InsuranceProtection against certain claims involving patent, trademark and copyright infringement.
03
Management & Financial Liability
Protection for directors, officers, employers, benefit plans and businesses against management-related claims and financial losses.
- Directors & Officers (D&O) InsuranceProtects company leaders and the organization against claims alleging wrongful management decisions or actions.
- Employment Practices Liability Insurance (EPLI)Coverage for claims involving harassment, discrimination, wrongful termination and other employment-related practices.
- Commercial Crime InsuranceCoverage for financial losses resulting from employee theft, forgery, fraud and other covered criminal acts.
04
Specialty Commercial Insurance
Specialized coverage for unique, complex and higher-hazard business exposures that fall outside traditional commercial insurance programs.
05
Transactional Risk Insurance
Specialized coverage for financial exposures arising from mergers, acquisitions, business transactions and specific contractual or tax liabilities.
06
Personal Insurance
Comprehensive protection for individuals, families and personal assets.
More lines we place
If it's property & casualty, just ask.
We place a broad range of specialty coverages alongside the programs above. Through our network of specialty insurers and excess and surplus lines markets, we help businesses secure coverage for unique, complex, higher-hazard and hard-to-place risks.
If you don't see what you're looking for, tell us what you're trying to protect and we'll find the right market.
Property, equipment & transportation
- Builder's Risk InsuranceCovers buildings, materials and supplies during construction or renovation until project completion.
- Inland Marine InsuranceProtects tools, equipment and other property while in transit, at job sites or away from a permanent location.
- Equipment Breakdown InsuranceCovers sudden mechanical or electrical equipment failures and certain resulting business income losses.
- Stock Throughput InsuranceProtects inventory and goods throughout the supply chain, from raw materials through storage and transit to final delivery.
- Motor Truck Cargo InsuranceCovers goods being transported by trucking companies and motor carriers.
- Difference in Conditions / Difference in Limits (DIC/DIL)DIC broadens property coverage to address gaps in covered perils or policy terms, while DIL provides additional limits where existing coverage falls short.
- Flood InsuranceProperty damage and related losses resulting from flooding, including coverage beyond standard commercial property policies.
- Earthquake InsurancePhysical damage arising from earthquakes and related ground movement.
- Ocean Marine & Cargo InsuranceProtects goods, vessels and cargo during domestic and international transit.
- Warehouse Legal LiabilityCovers a warehouse operator's legal liability for damage to customers' goods in its care, custody or control.
- Bailee's Customer InsuranceProtects customers' property while in a business's possession or care.
- Installation FloaterCovers materials and equipment during installation, assembly or construction.
- Contractors Equipment InsuranceCovers contractors' tools, machinery and mobile equipment.
- Commercial Equipment FloaterProtects movable equipment and machinery that travel between locations or job sites.
- Garagekeepers LiabilityCovers damage to customers' vehicles while in a business's care, custody or control.
- Specialty Property & CAT CoverageAddresses unique property exposures, catastrophe risks and specialized coverage needs.
- Parametric InsuranceProvides a predetermined payout when a defined event or measurable trigger occurs, such as a specified level of rainfall, wind speed, earthquake intensity or other catastrophe-related event, regardless of the actual property damage sustained.
Environmental & pollution liability
- Environmental & Pollution LiabilityBroad protection against environmental exposures, including pollution conditions, cleanup costs and third-party claims.
- Contractors Pollution Liability (CPL)Protects contractors against pollution claims arising from their operations, including cleanup costs and third-party liability.
- Premises Pollution LiabilityCovers environmental exposures arising from the ownership or operation of commercial properties.
- Pollution Legal LiabilityCovers specified environmental liabilities, including certain cleanup costs and third-party claims.
- Transportation Pollution LiabilityAddresses pollution exposures arising from the transportation of hazardous materials and other pollutants.
Specialty casualty & business liability
- Standalone Products LiabilityDedicated products liability coverage for manufacturers and distributors with significant product exposures.
- Product Recall InsuranceCovers certain costs associated with recalling, replacing and disposing of defective products.
- Clinical Trial InsuranceCovers claims that participants were injured in a clinical trial, for life science sponsors, contract research organizations and research sites. Sponsors and research partners often require it before a study can begin.
- Liquor Liability InsuranceProtects businesses against claims arising from the serving or selling of alcohol.
- Terrorism InsuranceProvides coverage for certain losses arising from acts of terrorism, subject to policy terms and applicable requirements.
- Kidnap & Ransom (K&R) InsuranceCovers ransom, crisis response and related expenses associated with kidnapping, extortion and detention.
- Event Cancellation InsuranceProtects against covered financial losses resulting from event cancellation, postponement or disruption.
- Aviation Liability & Hull InsuranceCovers aircraft physical damage and liability exposures.
Specialty financial & other risks
- Fiduciary Liability InsuranceProtects against claims involving the management and administration of employee benefit plans.
- Tax Liability InsuranceProtects against certain unexpected tax liabilities and specified tax exposures arising from business transactions or tax positions.
- Contingent Liability InsuranceTransfers specified contingent legal or financial liabilities to an insurer, helping businesses manage identified exposures.
- Trade Credit InsuranceProtects businesses against losses when customers fail to pay outstanding trade receivables due to covered insolvency or default.
- Political Risk InsuranceProtects businesses and investments against certain political events, expropriation and government actions.
- Cyber Crime & Social EngineeringAddresses financial losses arising from fraudulent instructions, impersonation and deceptive fund transfers.
- Employee Benefits Liability (EBL)Covers claims arising from errors or omissions in the administration of employee benefit plans.
- Fiduciary BondsProvides required financial guarantees associated with certain fiduciary and employee benefit plan obligations.
Excess & surplus lines and specialty markets
- Excess & Surplus Lines PlacementsAccess to non-admitted specialty insurance markets for risks that may not fit traditional admitted insurance programs.
- Standalone Excess LiabilityAdditional liability limits above underlying insurance policies.
- Hard-to-Place Commercial PropertySpecialty market solutions for properties with unusual, complex or higher-hazard exposures.
- Hard-to-Place General LiabilitySpecialty liability solutions for businesses with challenging operations or underwriting characteristics.
- Hard-to-Place Products LiabilitySpecialized solutions for manufacturers and distributors with difficult or unusual product exposures.
- Other Specialty & Nonstandard Coverage SolutionsCustomized insurance solutions for unique risks that fall outside traditional commercial insurance programs.
Coverage descriptions are general summaries. Actual coverage is governed by the terms, conditions and exclusions of the policy issued. Availability varies by state and carrier.
Not sure what you need?
Let's measure your risk first.
Take the 3-minute risk diagnostic, or talk it through with a principal. Either way, you'll know what matters for your business.