Property

Brown & Riding can help place the following coverage for insureds in a broad range of industries. For selected industries we have organized our resources into industry specialty practice groups.

Catastrophe – Earthquake, Flood and Wind

Just as no two DIC forms are identical, no two DIC risks are identical. We tailor our marketing approach on the basic exposures as well as the unique characteristics of each account. We access the entire marketplace to select the strongest carriers and deliver a comprehensive, customized, cost effective solution for you and your valued client.

We entertain a wide range of DIC risks, from single location risks to highly diverse property schedules with hundreds of locations throughout the United States and abroad. Examples include:

• Real estate schedules
• Commercial/industrial
• Public entities
• Hospitality
• Healthcare
• Historic / older buildings
• Wineries and bottling companies

Submission requirements: Electronic statement of values

Builders’ Risk / Course of Construction

We can address all your project specific or master policy needs. We match the right carrier and form to the specifications of the project and insured’s requirements. We analyze exposures and PMLs, and then design a comprehensive and cost effective program.

We also recognize the importance of addressing third party contractual obligations and can work with your casualty placements to help coordinate all coverages and assist you in avoiding costly and embarrassing coverage gaps. B&R is a leader in the wholesale industry in identifying issues and pioneering coverage enhancements to address these exposures. Examples include:

• All risk including or excluding earthquake, flood, and wind exposures
• Project specific and master policies
• All construction types including high valued wood frame
• Custom homes
• Conversions and renovations
• Roads, bridges, tunnels
• Pipelines
• Site improvements

Submission requirements: Builder’s risk questionnaire, plot plan, construction budget, construction schedule.

All Risk / Fire

We have specialists with years of property experience. We are successful in placing high fire hazard risks including or excluding catastrophic perils (earthquake, flood, wind and hail).

We entertain property risks of most any type where the standard marketplace is not interested or is unable to provide the desired limits or coverage. We offer a wide range of markets, both admitted and non-admitted, and we work with you to design a program with the coverage and value you need to satisfy your most sophisticated and demanding clients. Examples include:

• Habitational (including subsidized housing)
• Commercial / industrial
• Recycling
• Chemical & energy
• Public entity
• Hospitality
• Healthcare
• Historic / older buildings
• Vacant properties
• Remote and isolated property
• Brush or forest areas

Submission requirements: Electronic statement of values, 3-5 year loss history, ACORD application and/or risk specific questionnaire.

Other Classes

We offer a variety of other first party property risk coverages including:

• Inland marine
• Contractors’ equipment
• Motor truck cargo
• Stock thru-put
• Auto physical damage