BUSINESS INSURANCE

Sophisticated Protection for Your Business Vision

We partner with forward-thinking businesses to design bespoke insurance and risk management solutions that safeguard assets, operations, and employees while supporting sustainable growth.
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With deep expertise across multiple sectors and a commitment to white-glove service, our advisors work as an extension of your team to identify exposures, design comprehensive protection, and provide ongoing risk management support that evolves with your business.

Construction Insurance Solutions

Comprehensive protection for the complex risks facing general contractors, specialty trade contractors, and development firms.

Key coverages:

General Liability & Builders Risk - Protection against third-party claims and property damage during construction projects.
Workers' Compensation - Customized programs addressing the unique hazards of construction work.
Professional Liability (E&O) - Coverage for design errors, construction management mistakes, and other professional services.
Contractor's Equipment Insurance - Protection for valuable tools and equipment both on and off the jobsite.
Surety Bonds - Performance, payment, and bid bonds ensuring project completion and financial obligations.
Environmental Liability - Coverage for pollution incidents and environmental remediation costs.
Subcontractor Default Insurance - Protection against financial loss due to subcontractor performance failure.
Wrap-Up Programs (OCIP/CCIP) - Consolidated insurance solutions for large-scale construction projects.

Risk Management Services:

Safety program development and implementation
Contract review and compliance guidance
Claims management and litigation support
Experience modification rate (EMR) improvement strategies

Real Estate Insurance Solutions

Specialized protection for commercial and residential real estate portfolios, addressing property damage, liability risks, and business continuity challenges.

Key Coverages:

Commercial Property Insurance - Tailored coverage for buildings, contents, and business income.
General Liability - Protection against third-party bodily injury and property damage claims.
Tenant Risk Solutions - Programs addressing tenant-related exposures and lease requirements.
Cyber Liability for Property Management - Protection against data breaches and cyber attacks.
Umbrella & Excess Liability - Additional liability protection beyond primary policy limits.
Environmental Liability - Coverage for pollution conditions and remediation costs.
Equipment Breakdown - Protection for mechanical, electrical, and pressure equipment failures.
Directors & Officers Liability - Coverage for management decisions and potential litigation.

Risk Management Services:

Lease agreement review and risk transfer guidance
Loss control inspections and recommendations
Disaster recovery and business continuity planning
Tenant screening and risk mitigation strategies
Property valuation and insurance-to-value analysis

Private Equity & Investment Insurance Solutions

Sophisticated insurance strategies to mitigate risks associated with mergers, acquisitions, and operational exposures across investment portfolios.

Key Coverages:

Directors & Officers (D&O) Liability - Protection for management decisions and investor claims.
Transactional Risk Insurance - Representations and warranties coverage for M&A activities.
Employment Practices Liability (EPLI) - Protection against employee-related claims.
Cyber Risk Protection - Coverage for data breaches and network security failures.
Fiduciary Liability - Protection for employee benefit plan management.
Crime Insurance - Coverage for employee dishonesty and fraudulent activities.
Portfolio Company Insurance Programs - Coordinated coverage across multiple entities.

Risk Management Services:

M&A risk assessments and due diligence support
Portfolio company integration strategies
Litigation and regulatory risk mitigation
Insurance due diligence for potential acquisitions
Portfolio-wide risk management programs

Retail & Hospitality Insurance Solutions

Tailored protection for businesses that serve consumers directly, addressing liability, property, and business interruption risks.

Key Coverages:

Business Interruption Insurance - Protection for lost income due to covered perils.
Product Liability Insurance - Coverage for claims related to products sold.
Cyber Liability - Protection against data breaches and privacy violations.
Property and Inventory Protection - Specialized coverage for merchandise and fixtures.
Workers' Compensation - Programs addressing retail and hospitality workplace risks.
Liquor Liability - Coverage for establishments serving alcoholic beverages.
Food Contamination - Protection against foodborne illness claims.
Special Event Coverage - Insurance for promotional events and activities.

Risk Management Services:

Loss prevention strategies and employee training
Supply chain risk analysis and contingency planning
Fraud prevention and security measures
Food safety and allergen management programs
Customer safety assessments and improvements

Manufacturing Insurance Solutions

Comprehensive coverage addressing the unique exposures of manufacturing operations, from equipment breakdown to product liability.

Key Coverages:

Property & Equipment Coverage - Protection for facilities, machinery, and stock.
Product Liability Insurance - Coverage for claims arising from manufactured goods.
Business Interruption - Protection for production downtime and supply chain disruptions.
Equipment Breakdown - Coverage for mechanical and electrical equipment failures.
Environmental Liability - Protection for pollution incidents and cleanup costs.
Workers' Compensation - Programs addressing manufacturing workplace hazards.
Cargo & Transit Insurance - Coverage for raw materials and finished products in transit.
Intellectual Property Protection - Defense against claims of infringement.

Risk Management Services:

Production line safety assessments
Product safety and quality control consulting
Supply chain risk management
Regulatory compliance guidance
Equipment maintenance and breakdown prevention

Wholesale & Distribution Insurance Solutions

Protection for businesses navigating complex supply chain dynamics and distribution challenges.

Key Coverages:

Inventory & Stock Insurance - Specialized coverage for goods held for distribution.
Business Auto Coverage - Protection for delivery fleets and commercial vehicles.
Product Recall Insurance - Coverage for expenses related to product recalls.
Warehouse Legal Liability - Protection for goods of others in your care, custody, and control.
General Liability & Commercial Property - Foundational coverage for facilities and operations.
Business Income Coverage - Protection against revenue losses due to covered disruptions.
Cyber Liability - Coverage for data breaches affecting customer information.
Crime Insurance - Protection against employee theft and fraudulent activities.

Risk Management Services:

Logistics and transportation risk analysis
Regulatory compliance consulting
Cargo loss prevention strategies
Warehouse safety and security assessments
Inventory management and loss control

Transportation & Logistics Insurance Solutions

Specialized coverage for companies involved in the movement of goods, addressing regulatory challenges and global supply chain vulnerabilities.

Key Coverages:

Motor Truck Cargo Insurance - Protection for goods in transit.
Commercial Auto Liability - Coverage for owned and non-owned vehicles.
Warehouseman's Legal Liability - Protection for third-party goods in storage.
Workers' Compensation - Programs addressing transportation workplace risks.
Cyber Risk for Logistics Technology - Coverage for supply chain management systems.
International Cargo Coverage - Protection for goods in global transit.
Contingent Business Interruption - Coverage for disruptions in the supply chain.
Pollution Liability - Protection for environmental incidents during transport.

Risk Management Services:

Fleet safety programs and driver training
Regulatory compliance management
Cargo theft prevention strategies
Route optimization and risk reduction
Cross-border shipping compliance guidance

Sciences & Technology Insurance Solutions

Tailored protection for innovative businesses in biotech, pharmaceutical, and technology sectors facing unique regulatory and intellectual property challenges.

Key Coverages:

Intellectual Property Protection - Coverage for infringement claims and defense costs.
Product Liability for Medical Devices - Specialized protection for healthcare products.
Clinical Trials Insurance - Coverage for research and testing activities.
Cyber and Data Breach Insurance - Protection for sensitive data and systems.
Professional Liability for R&D Professionals - Coverage for errors in research and development.
Technology Errors & Omissions - Protection for technology service providers.
Media Liability - Coverage for content creation and publication risks.
Business Interruption for Tech Operations - Protection against system downtime.

Risk Management Services:

Compliance support for FDA and regulatory approvals
Risk assessments for product launches
Business continuity planning for critical operations
Data security and privacy compliance guidance
Intellectual property risk management

Captive Risk Management Solutions

Advanced risk financing solutions for organizations seeking greater control over insurance costs and risk management strategies.

Key Structures:

Single-Parent Captives - Wholly-owned insurance companies for large organizations.
Group Captives - Shared risk-bearing entities for businesses with similar exposures.
Rent-a-Captive Programs - Access to captive structures without full ownership.
Risk Retention Groups (RRGs) - Liability insurance companies owned by members.
Cell Captives - Segregated account structures for smaller organizations.
Micro-Captives - Specialized structures for midsize businesses.

Risk Management Services:

Feasibility studies and regulatory guidance
Claims management and loss control
Financial modeling and captive optimization
Domicile selection and formation assistance
Captive management and governance support

Healthcare Insurance Solutions

Comprehensive protection for healthcare providers operating in a complex regulatory environment with high liability exposures.

Key Coverages:

Medical Malpractice & Professional Liability - Protection against patient care claims.
General and Premises Liability - Coverage for third-party injuries on healthcare premises.
Property and Business Interruption - Protection for facilities and operations.
Cyber Liability and HIPAA Compliance - Coverage for data breaches and privacy violations.
Workers' Compensation - Programs addressing healthcare workplace injuries.
Directors & Officers Liability - Protection for management decisions.
Regulatory Defense Coverage - Protection for government investigations and actions.
Employment Practices Liability - Coverage for employee-related claims.

Risk Management Services:

Compliance audits and training programs
Infection control and patient safety programs
Claims management and litigation support
Credentialing verification and documentation
Risk assessments and mitigation strategies

Professional Services Insurance Solutions

Tailored coverage for law firms, accounting practices, consulting firms, and other service-based businesses.

Key Coverages:

Professional Liability (E&O) - Protection against claims of negligence or inadequate work.
Cyber Liability - Coverage for data breaches and client information exposure.
General Liability - Protection for third-party bodily injury and property damage.
Employment Practices Liability - Coverage for employee-related claims.
Management Liability - Protection for directors and officers decisions.
Business Personal Property - Coverage for office contents and equipment.
Business Income Protection - Compensation for revenue loss during disruptions.
Crime Insurance - Protection against employee dishonesty and fraud.

Risk Management Services:

Contract review and risk transfer guidance
Client engagement letter development
Data protection and privacy compliance
Professional standards compliance
Business continuity planning

Financial Institutions Insurance Solutions

Specialized coverage for banks, credit unions, investment firms, and other financial service providers.

Key Coverages:

Financial Institution Bond - Protection against fraud, dishonesty, and theft.
Directors & Officers Liability - Coverage for management decisions.
Professional Liability - Protection for financial advice and services.
Cyber Liability - Coverage for data breaches and system failures.
Employment Practices Liability - Protection against employee-related claims.
Fiduciary Liability - Coverage for employee benefit plan management.
Lender-Placed Insurance - Protection for loan collateral.
Trust Department Errors & Omissions - Coverage for trust administration.

Risk Management Services:

Regulatory compliance guidance
Fraud prevention and detection
Risk assessments and control implementations
Business continuity planning
Corporate governance consulting

Energy & Environmental Insurance Solutions

Comprehensive protection for businesses in the energy sector, including renewable energy, oil and gas, and environmental services.

Key Coverages:

Property & Equipment Coverage - Protection for specialized energy facilities.
General Liability - Coverage for third-party injuries and property damage.
Environmental Liability - Protection for pollution and remediation costs.
Control of Well Coverage - Specialized protection for oil and gas operations.
Renewable Energy Project Insurance - Coverage for solar, wind, and other clean energy.
Business Interruption - Protection for production downtime.
Contractors Pollution Liability - Coverage for environmental contractors.
Directors & Officers Liability - Protection for management decisions.

Risk Management Services:

Environmental compliance auditing
Workplace safety programs for energy operations
Disaster recovery and business continuity planning
Regulatory compliance guidance
Project risk assessments

Nonprofit & Social Services Insurance Solutions

Tailored protection for organizations serving communities and addressing unique exposures of the nonprofit sector.

Key Coverages:

General Liability - Protection for third-party injuries and property damage.
Directors & Officers Liability - Coverage for board members and management.
Professional Liability - Protection for counseling and other services.
Abuse & Molestation Coverage - Specialized protection for vulnerable populations.
Special Event Coverage - Insurance for fundraisers and community events.
Volunteer Protection - Coverage for volunteer activities and injuries.
Property & Business Income - Protection for facilities and operations.
Auto Liability - Coverage for owned and non-owned vehicles.

Risk Management Services:

Volunteer screening and management
Board governance training
Fundraising risk assessment
Client safety programs
Regulatory compliance guidance

Cyber Risk Insurance Solutions

Comprehensive protection against evolving digital threats and data security challenges across all industries.

Key Coverages:

Network Security Liability - Coverage for system breaches and cyberattacks.
Privacy Liability - Protection for data breaches involving sensitive information.
Business Interruption - Coverage for income loss due to system downtime.
Data Recovery Costs - Reimbursement for data restoration expenses.
Cyber Extortion - Protection against ransomware and digital extortion threats.
Media Liability - Coverage for content-related exposures.
Social Engineering Fraud - Protection against deceptive funds transfer schemes.
Regulatory Defense & Penalties - Coverage for investigations and fines.

Risk Management Services:

Cybersecurity assessments and vulnerability testing
Incident response planning and tabletop exercises
Employee security awareness training
Compliance guidance for data protection regulations
Post-breach remediation support

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