Casualty

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.

General Liability

We will entertain GL risks of most any type where the standard marketplace is not interested or is unable to provide the desired 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 even your most sophisticated and demanding client. Examples include:

  • Occurrence and claims-made
  • Construction risks including wrap-ups and project policies
  • Habitational – apartments, subsidized housing, condos
  • Premises liability – retail, restaurants, offices
  • Hospitality – resorts, amusement parks, casinos, hotel / motel, bars & nightclubs

Self Insured Programs

We offer programs with all levels of insured / insurer participation for insureds in any industry.

  • Captives / fully funded programs
  • Excess workers’ compensation
  • Large self-insured retentions

Product Liability

Although we're a market for virtually all types of product liability risks, we prefer the most difficult and hazardous classes. We offer tailor made coverages including pollution and professional liability extensions, product recall, intellectual property, claims-made buy-outs and conversions to occurrence forms.

Examples include:
  • Sporting Goods and Equipment
  • Critical Automobile Parts
  • Automobile and Truck Manufacturing
  • Construction related
  • Hand and Power Tools
  • Toys
  • Hazardous Chemicals
  • Safety Equipment
  • Medical Products/Devices
  • Pharmaceuticals (including clinical trials)
  • Food/Dietary Supplements/Vitamins
  • Industrial Equipment and Machinery
  • Amusement Rides
  • Machinery Manufacturing
  • Cosmetics and Skin and Hair Care Products
  • Start-up Operations

Umbrella & Excess Liability

We have markets, expertise, and experience to help you place umbrella and excess liability risks of all sizes and types. From small $1 million limit umbrellas to large multi-layered placements. Here are some of the major classes and risk types we write in this area:
  • Manufacturing / difficult products
  • Construction
  • Transportation risks – trucking, public transportation, livery, etc.
  • Real estate – habitational, hospitality, etc.
  • Stand-alone excess auto liability
  • Healthcare related risks

Pollution / Environmental Risks

We offer a wide range of reputable markets along with a depth of technical know how in environmental coverages and exposures. We work for you to structure the comprehensive and cost effective environmental insurance program you demand for your best clients. Coverages offered include:
  • Contractor’s Pollution Liability (CPL)
  • Pollution Legal Liability (PLL)
  • Remediation Cost Cap (RCC)
  • Secured Creditor/Lender Programs
  • Owner’s Protective Environmental Insurance (OPEI)