Who we insure.

01

Construction

Job sites that want endorsements by Friday.

General contractors, subcontractors, specialty trades and owner-operators. Construction is where the contract decides the insurance: the limits, the endorsements and who has to be named on the certificate.

Usually on the policy

• General Liability
• Workers' Compensation
• Commercial Auto
• Umbrella / Excess
• Builder's Risk

Worth knowingCertificates and additional insured endorsements come with almost every job. We read what the contract asks for and issue to match.

02

Trucking & transportation

Filings, cargo, and contracts with shippers that read like novels.

Owner-operators to mid-size fleets. Trucking carries its own regulatory and liability requirements: primary auto liability, cargo and physical damage, and the federal filings that go with them.

Usually on the policy

• Commercial Auto / Truckers' Liability
• Motor Truck Cargo
• Physical Damage
• General Liability
• Occupational Accident

Worth knowingWe know the FMCSA requirements and check that the coverage meets the federal and state ones.

03

Retail

One storefront or several. Retail risk runs from the customer who slips to theft to the product that fails after it leaves the shelf.

Usually on the policy

• Businessowner's Policy (BOP)
• General Liability
• Commercial Property
• Workers' Compensation
• Cyber Liability

Worth knowingA BOP is often the most cost-effective way for an eligible retailer to carry liability and property together.

04

Healthcare

Patients on the premises and records on the network.

Clinics, practices and allied health. Beyond the standard commercial risks there is professional liability, employment practices, and the regulations that come with patient records.

Usually on the policy

• General Liability
• Professional Liability (Malpractice)
• Cyber Liability / HIPAA
• Workers' Compensation
• Business Income

Worth knowingCyber liability matters more every year in healthcare, because of HIPAA and what patient data is worth.

05

Real estate

One policy per door, or one for the portfolio.

Agents and brokerages, property managers and investors. Each needs a different program, and an investor with a portfolio of rentals needs a different one again.

Usually on the policy

• Errors & Omissions (E&O)
• General Liability
• Commercial Property
• Umbrella
• Workers' Compensation

Worth knowingE&O is essential for agents and brokers. Property managers and investors usually need a different structure.

06

Finance

The risk is the advice, and the client who remembers it differently.

Advisors, accountants and financial firms. The exposure is professional: the advice, the filing, the deadline.

Usually on the policy

• Professional Liability (E&O)
• Cyber Liability
• General Liability
• Crime / Fidelity
• Directors & Officers

Worth knowingMany financial professionals have contract or regulatory requirements for specific coverage types and limits.

07

Technology

Software, SaaS and IT services. The risks are a data breach, a failed deployment or an IP claim, and a standard commercial policy wasn't written for any of them.

Usually on the policy

• Technology E&O
• Cyber Liability
• General Liability
• Workers' Compensation
• Umbrella

Worth knowingSaaS companies and IT service providers should look hardest at technology E&O and cyber liability.

08

Hospitality

Leases, liquor, and the slip-and-fall nobody saw.

Restaurants, hotels, event venues and food service. Liquor, equipment breakdown and food contamination sit on top of everything a retailer faces.

Usually on the policy

• General Liability
• Liquor Liability
• Commercial Property
• Workers' Compensation
• Business Income

Worth knowingLiquor liability is easy to overlook and critical for any business that serves alcohol.