§ Coverage

Eight commercial lines.
Underwritten against
your actual exposure.

These are the lines we place daily. Specialty placements — environmental, marine, surety, key-person — are handled through wholesale partners; ask.

01

General Liability

Premises and operations, products/completed operations, personal & advertising injury. Includes additional insured endorsements for landlords, GCs, and clients.

Coverage anchors
  • CG 00 01
  • Per occurrence + aggregate
  • Waiver of subrogation
02

Commercial Property

Building, contents, business income, extra expense, equipment breakdown, ordinance & law. Special form, replacement cost valuation, agreed value where eligible.

Coverage anchors
  • CP 00 10
  • Replacement cost
  • BI w/ 12-mo period of indemnity
03

Workers' Compensation

Statutory coverage in all 50 states, USL&H and maritime where applicable. Experience-mod review, audit defense, return-to-work program coordination.

Coverage anchors
  • WC 00 00
  • Employers liability $1M/$1M/$1M
  • Audit support
04

Professional Liability (E&O)

Errors & omissions for consultants, advisors, tech firms, agencies, architects, and licensed professionals. Claims-made with prior acts where warranted.

Coverage anchors
  • Claims-made
  • Defense outside limits
  • Prior acts coverage
05

Cyber & Privacy

First-party (ransomware, business interruption, data restoration) and third-party (privacy liability, regulatory). Includes IR firm panel and notification costs.

Coverage anchors
  • Ransomware sublimits reviewed
  • IR retainer included
  • PCI fines & assessments
06

Commercial Auto

Owned, hired, non-owned auto. Fleet structuring, MC authority and motor truck cargo for trucking, hired/non-owned for staff-driven personal vehicles.

Coverage anchors
  • Symbol 1 / 7 / 8 / 9
  • MCS-90 endorsement
  • Cargo & physical damage
07

Umbrella & Excess

True follow-form excess over GL, auto, and EL. Layered programs to $25M+ for higher-hazard or contractual requirements.

Coverage anchors
  • Follow-form
  • Drop-down where eligible
  • Layered to $25M+
08

Management Liability

D&O, EPLI, and fiduciary for private companies and non-profits. Side-A DIC where indemnification is questionable.

Coverage anchors
  • D&O Side A/B/C
  • EPLI w/ third-party
  • Fiduciary (ERISA)

Don't see your line? We almost certainly place it.