Specialty Practice Areas

Brown & Riding provides you with a diverse team of recognized experts by line of business and industry knowledge and capability. Our brokerage teams possess broad market access, specific expertise, and in-depth product knowledge.

Our brokers are specialists, not generalists. They all know the rates, policy forms, and major players for their particular product lines. In addition to helping you with your Property, Casualty, Management & Professional Liability, and Underwriting needs, we also offer in-depth knowledge and expertise on the following specialty practice areas:

This group is here to help you place standard and challenging risks in the Amusement Attractions & Action Sports sector.
  • Roller coasters
  • Waterslides
  • Zip-lines
  • ATVs
  • Fireworks and pyrotechnics
  • Trampoline parks
  • Bounce houses/inflatables
  • Go-karts
  • Rope courses
  • Helmets
  • Consumer goods
  • Tire manufacturers
  • Mechanical bulls
  • Wide range of product liability appetite
  • Excellent relationships with TPAs and law firms specializing in the product liability sector. Approved vendor for product liability markets to handle TPA and defense counsel. Can help insureds with contracts, waivers in addition to a great resource for case law, coverage review.
  • Unique coverages, including:
    • Deductible caps
    • Broadened Definition of Insured
    • Notice of Occurrence
    • Earned Premium Amendment
    •  Unintentional Failure To Disclose All Hazards
    • Mental Anguish Resulting From Bodily Injury
    • Cancellation Amendment
  • Experience with true foreign liability placements
  • Structured large excess liability towers (limits $100M+)
For more information, visit the Amusement Attractions & Action Sports page.
You deserve a construction specialist wholesaler with a depth of knowledge, experience, and resources to help you ensure your clients’ understand all the options available and receive the most competitive proposals. We can help you with most classes of construction risk including:
  • Residential, Commercial, Industrial, and Public Works Projects
  • New Construction, Remodel/Repair, Conversions, Demolition
  • Developers, General Contractors, Trade and Specialty Contractors
  • International Exposures
  • Manufacturers and Suppliers of Construction Related Products
  • General & Excess Liability – Annual, Project Specific, OCIP/CCIP
  • Builder’s Risk
  • Contractors’ Professional
  • Architects & Engineers, OPPI, CPPI, Design Wraps
  • Pollution Liability
  • Automobile Liability
  • Contractors’ Equipment
  • Workers’ Compensation
  • Services: Wrap Admin, Third Party QA, Coverage Review, Inspections
shutterstock_43839091This specialist team is a dedicated and coordinated group of more than 20 experienced construction insurance professionals focused on wrap-up and project-specific program design and placement in all lines of coverage.  We provide industry-leading knowledge, market clout, and seamless service for all major construction types throughout the United States and beyond.

For more information, visit the Wrap-Up / Project-Specific page.
Onshore and Offshore:
  • Oil & Gas and Petrochemical
  • Utilities
  • Alternative Energy
  • Mines
  • Manufacturers and Dealers
  • Auto Liability
  • General Liability
  • Pollution
  • Professional & Management Liability
  • Property
  • Workers’ Compensation
  • USL&H & MEL
  • Excess/Umbrella Liability
For more information, visit the Energy and Oil & Gas page.
Our Environmental specialists can help you and your clients find the best solutions for your environmental-related product needs.
  • Environmental Consultants – including environmental site assessments, impact studies, groundwater & air quality testing, training & education, laboratory analytical services, regulatory & permit consulting, facilities design & supervision
  • Environmental Contractors – including asbestos, lead & mold remediation contractors, clean-up contractors (including fire & water restoration and emergency response contractors)
  • Non-Environmental Contractors – including general contractors & subcontractors doing carpentry, electrical, excavation & grading, roofing, sewer & water, demolition; virtually all contracting exposures for both residential & commercial work
  • Manufacturers – all types of manufacturing, including chemical blenders, plastics operations, pollution control equipment, & distributors
  • Waste Management – including recycling facilities, transfer stations, landfills, waste haulers and brokers
  • Real Estate – site pollution for any type of property, including but not limited to habitational, brownfields, and property transfer transactions
  • Underground / Aboveground Storage Tanks – including tank farms and petroleum or gas distributors
  • CGL/Contractor’s Pollution Liability/Professional Liability – provided for environmental contractors & consultants
  • Contractor’s Professional & Contractor’s Pollution Liability – provided for non-environmental contractors
  • Contractor’s Pollution Liability including Mold – provided for any type of contractor
  • Environmental Casualty – CGL/Products Pollution/Site Pollution Liability
  • Products Pollution Liability – Monoline
  • Site Pollution Legal Liability
  • OCIP & CCIP Environmental and Professional Products
  • Project or Contract Specific Policies
  • Excess Liability for All Products
  • Underground / Above Ground Storage Tank Pollution Liability
For more information, visit the Environmental page.
We specialize in Financial Institutions coverage, from community banks to large publicly-traded banks.  We also offer niche coverages for mortgage bankers and brokers such as Mortgage Impairment, Mortgage Bankers Bonds, and Forced Placement coverage.  Our team is a market leader who is able to leverage long-standing market relationships to get creative solutions for risks suffering from recent economic uncertainty and/or other complications, including financial status and activities.  Our expertise and access to all of the leading Financial Institution markets helps put you ahead of your competition and first in line for your insured’s business.
  • Commercial banks
  • Security broker dealers
  • Trust and escrow firms
  • Registered investment advisers and financial planners
  • Savings & Loan
  • Mortgage banks and brokers
  • Non-regulated lending facilities
  • Credit unions
  • Asset managers / Mutual and hedge funds
  • Insurance companies
  • Venture capital / Private equity firms
  • Distressed banks
  • Directors & Officers
  • Bankers Professional & Lenders Liability, including Trust, IRA / Keogh
  • Employment Practices Liability
  • Fiduciary
  • Fidelity Bonds
  • Privacy & Security Liability
  • Mortgage Impairment
  • Forced Placement
  • Kidnap & Ransom
  • Plastic card coverage
  • Merchant fraud protection
  • Side A DIC
We can help you find solutions for a wide range of classifications in the healthcare industry.  Target classes include (but are not limited to):
  • Allied Health
  • Ambulance Services
  • Cosmetic Surgery
  • Elderly Care
  • Hospitals
  • Imaging Centers
  • Laboratories
  • Medical Equipment
  • Medical Schools
  • Medical Spas
  • Medical Transcription Svcs
  • Nursing Homes
  • Rehabilitation Centers
  • Surgery Centers
  • Social Services – substance use (addiction), developmentally disabled, mental health, youth services, social / community services
  • Healthcare Professionals – including (but not limited to) acupuncturists, CRNAs, dentists, doctors, EMTs, medical directors, medical staff, midwives, nurses, ocularists, optometrists, oral surgeons, nurse practitioners, paramedics, pharmacists, physicians assistants, podiatrists, psychiatrists, psychologists, surgical assistants
Description of Operations Limits / Coverages Premium State
Otolaryngologist / Plastic Surgeon $1M/$3M covering Physician and Entities $100,000 CA
Single Person Law Firm with Claims $1M limit $7,500 WV
Construction Management Account $1M/$3M limit, including Pollution, Tech, and Cyber $9,000 GA
Insurance Agency Cyber Liability $2M limit, including PL, GL, Abuse, Cyber, and Umbrella $8,200 GA
Hospital System $1M Professional Liability $205,000 MS
EPL for a Lending Service $1M limit, including 3rd party, Wage and Hour $12,000 CA
Adoption / Foster Care Agency Package Policy - Admitted Coverage Property, PL/GL/Abuse, Auto, Inland Marine, Crime, and Umbrella $20,000 WA
School - Stand Alone Abuse $1M/$3M limits with Full Retro $20,000 GA
Med Spa / Anti-Aging Clinic, including Pain Management $1M/$3M limits, including PL, GL, and Sexual Abuse $9,000 CA
Locum Tenens Staffing Firm $1M/$3M limits $124,000 IL

Medical Spa and Anti-Aging Clinic Program

This is a Professional / General Liability Program, offered exclusively from Brown & Riding.  Get a same-day bindable quote in just three easy steps! Click here to learn more.

Healthcare & Human Services Program

This semi-exclusive program includes Adoption and Foster Care. Limited wholesale broker only distribution and “A” rated paper. Click here to learn more.
For more information, visit the Healthcare page.
Human and Animal:
  • Drugs:  Ethical, generic, and over-the-counter
  • Devices:  Diagnostic, invasive, implantable, DME
  • Clinical Trials:  Domestic and foreign – including local admitted and DIC cover
  • Nutraceuticals:  Ingestible, consumable, topical, injectable
  • Clinical Research Organizations:  Sponsored and Non-sponsored – including site
  • Telemedicine:  Prescribing, diagnosing, testing, and consulting
  • Contract Manufacturers & Distributors:  OEM, private label, proprietary
  • General and Excess Liability
  • Products and Completed Operations
  • Errors & Omissions – stand-alone or combined CGL / products / E&O
  • Discontinued products / operations  – multi-year policy terms
  • Tail Cover / IBNR –  manuscript coverage – claims made coverage expertise
  • Merger, acquisition, buy out, and contract compliance – complex solutions
  • Data Breach & Privacy –  including mitigation expense
  • Product Contamination and Recall
For more information, visit the Life Sciences page.
Human Services Non-Profits are organizations that fall into these types of categories:  
  • Feeding the hungry
  • Assisting crime victims and offenders
  • Providing job training
  • Housing the homeless
  • Helping people prepare for and recover from disasters
  • Maintaining playgrounds and athletic fields
  • Acting as advocates for children
  • Offering programs to help youth mature into adults who contribute to society
  • Directors & Officers
  • Professional Liability
  • Employment Practices Liability
  • General Liability
  • Property
  • CGL
  • Workers’ Compensation
  • Transportation
For more information, visit the Non-Profits Human Services page.
As the complexity of each supply chain continues to grow, so does the frequency of a potential recall claim. Our Product Recall and Contamination (PRC) group has knowledgeable professionals to handle any account.
  • Ingredient manufacturers
  • Component Goods – Aviation, automotive, medical, toys, importers, wholesalers, etc.
  • Produce Warehousing and Shipping
  • Pharmaceutical and Nutraceutical Products
  • Packaging and contract-packing
  • Medical Devices
  • Consumable Products – Meat, dairy, seafood, beverages, fruit, vegetables, other consumables
  • Consumer Goods
  • Import and Export
  • Loss of Gross Profit
  • Replacement Costs
  • Governmental Recall
  • Adverse/Negative Publicity
  • Rehabilitation Expenses
  • Extra Expenses
  • Customer Loss of Gross Profit
  • Customer Extra Expenses
  • Mislabeling
  • Accidental Contamination
  • Malicious Product Tampering
  • Product Extortion
  • Religious specification Guarantee
  • Product Specification Guarantee
For more information, visit the Product Recall and Contamination (PRC) page.
Our Real Estate specialists can help you find the best solutions for your real estate risks.
  • Business brokers
  • Third party managers
  • Real estate consultants or counselors
  • Real estate operating companies
  • Condominium associations
  • Hotels and motels
  • Property developers
  • Property appraisers
  • Property owners
  • Real Estate Investment Trusts (REITs)
  • Resorts
  • Real estate auctioneers
  • Escrow agents
  • Mortgage brokers
  • Affordable Housing including Section 8 and Section 42
  • E&O packaged with GL for some classes
  • Personal injury
  • Third party discrimination (full limits or sub-limits)
  • Lock box coverage (full limits or sub-limits)
  • Failure to disclose the existence of pollutants (full limits or sub-limits)
  • Tenant discrimination (full limits, sub-limits, or stand-alone policy available)
  • Emergency / non-emergency medical
  • Garbage / waste haulers
  • Truckers
  • Contractor fleets
  • Food delivery
  • Gas / LPG / hazmat haulers
  • Taxis
  • Public auto
  • Car dealers
  • Sales fleets
  • Charter / shuttle buses
Our multi-disciplinary team provides a coordinated approach to handling placements throughout multiple product lines:
  • Primary Auto
  • Monoline HNOA
  • Auto Physical Damage
  • Motor Truck Cargo
  • Excess Liability
  • Auto Buffers
  • Contract-Specific Excess
  • Dealer Open Lot
For more information, visit the Transportation page.