Sheet 02 · Property and Casualty

Property and Casualty

Commercial and personal insurance, placed and serviced by local teams, with risk specialists across the country behind them.

How the practice works

National reach, local expertise

Your broker is close to your operations. Placement, claims and risk specialists across the network support that relationship.
Strategic risk management

The work starts with your exposures, not a policy form: what could go wrong, how likely it is, and what it would cost.
Industry expertise

Teams focus on the industries they know, so questions about your operations get informed answers.

What each line is for. The right limits and terms depend on your operations, and every policy reads on its own wording.

Liability and workers’ compensation coverage for what your business does.

Business auto Vehicles your business owns, leases or uses.
Environmental liability Pollution and contamination claims tied to your operations or property.
Excess liability Added limits above a specific underlying policy.
General liability Claims of bodily injury or property damage to others.
Product liability Claims tied to products you make, distribute or sell.
Umbrella liability Added limits that sit above several underlying policies.
Workers’ compensation Medical care and lost wages for employees hurt on the job, as state law requires.

Property

Buildings, equipment, inventory and business income.
Professional and financial

Professional liability, management liability and related lines for firms and their leaders.
Personal lines

Home, auto, umbrella and other coverage for individuals and families.

Work that happens around the policy, before and after a loss.

Loss control Site reviews and safety programs aimed at preventing losses.
Claims advocacy Support from the first report of a claim through its settlement.
Captive feasibility Whether a captive fits your risk profile and finances.
Captive management Running a captive once it is formed.
Alternative risk Approaches beyond traditional insurance, such as self-insurance.
Actuarial Loss projections and funding analysis.
Benchmarking and data analytics How your program compares, and what your data shows.
Experience modifier review A check of the workers’ compensation experience mod used in rating.
Environmental exposure Environmental risk at your sites and in your operations.
Healthcare professional liability Coverage and risk support for healthcare providers.
International Coverage and risk support for operations abroad.
M&A due diligence Insurance and risk review for buyers and sellers in a transaction.

Twenty-three industries, each with teams that know its operations.

Next step

Tell the headquarters team about your operations and your renewal dates. They will connect you with a broker who knows your industry.