A full commercial P&C shelf, deep in E&S.
We work across the standard commercial property and casualty lines, and we specialize in the hard-to-place and excess & surplus risk the standard market declines. A full program usually spans both admitted and surplus-lines (E&S) carriers, and we place all of it. Here is the shelf.
General liability
Third-party bodily injury and property damage your operations cause, plus completed-work claims.
The baseline nearly every lease, contract, and license asks for.
Professional liability / E&O
Claims that your work, advice, or a service error caused a client financial loss. Includes tech E&O, media E&O, and professional malpractice.
Consultants, agencies, IT and SaaS, medical, legal, real estate, and design firms.
Cyber
Data breaches, ransomware, funds-transfer fraud, and the notification and recovery costs that follow.
Anyone holding customer, payment, or health data, which is nearly everyone.
Commercial property
Your buildings, equipment, and inventory against fire, theft, weather, and vandalism.
Any business with a location, stock, or gear.
Business interruption
Lost income and extra expense while you recover from a covered property loss.
Revenue-dependent operations with a physical location.
Commercial umbrella & excess
Extra limits on top of your general liability and auto for high-severity claims and contract requirements.
Contractors, habitational, hospitality, and anyone who needs $2M or more.
Workers' compensation
Medical bills and lost wages for employees injured on the job.
Required with employees in nearly every state.
Commercial auto
Owned, hired, and non-owned vehicles in accidents, plus cargo in transit.
Fleets, trades, delivery, trucking, and anyone driving for work.
Management & employment (D&O / EPLI)
Directors, officers, and the company against management-decision and employment claims.
Funded startups, associations, and growing teams.
Where the standard market says no, we go to surplus lines.
Bars and nightclubs, cannabis, security firms, trucking, habitational, farms and wineries, and other hard-to-place classes. Here are some examples of what we specialize in:
- Liquor liability
- Product liability
- Garage & garagekeepers
- Builders risk
- Inland marine (tools & equipment)
- Abuse & molestation
- Surety & license bonds
- Lessor's risk (LRO)
- Crop & catastrophe property
Don't see what you need here? Contact us and we'll help you figure it out.
Even high-hazard and hard-to-place classes have specialty markets, and we arrange that coverage alongside the rest of your program.
Not sure what you need?
Tell us what you do and what keeps you up at night. We will map the coverages that fit and flag the ones a lender or contract will require.