We work with leading retail brokers to address the needs of casualty risks in a competitive marketplace. We offer a variety of products with a depth of expertise and solid market relationships.
B&R’s Casualty Practice Group handles most non-standard third party BI/PD classes and risks. Our people work as a collaborative team to ensure you get the benefit of our group’s collective experience and expertise no matter who your preferred contact may be.
General Liability
We handle 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
- Oil and Gas
Excess & Umbrella 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 risks including wrap-ups and project policies
- Transportation risks: trucking, public transportation, livery, etc.
- Real estate: habitational, hospitality, etc.
- Stand-alone excess auto liability
- Healthcare related risks
- Refineries
Pollution and Environmental Risks
We offer access to a full range of markets along with a depth of technical know-how in environmental coverages and exposures. We work with you to structure the comprehensive and cost effective environmental insurance programs that your best clients demand. Coverages offered include:
- Contractor’s Pollution Liability (CPL)
- Pollution Legal Liability (PLL)
- Brownfields
- Remediation Cost Cap (RCC)
- Secured Creditor/Lender Programs
- Owner’s Protective Environmental Insurance (OPEI)
Product Liability
We handle product liability risks of all types and we excel at the most difficult and hazardous classes. We offer customized programs 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, Recreational Vehicles, 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
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
Workers' Compensation
We are experienced with primary/excess, group/individual, mono-state/multi-state workers’ comp, and AD&D placements. Our relationships with A-rated carriers have consistently generated a high quote-to-bind ratio. Our capabilities range from online quoting to handling large and complex transactions. If we can’t handle the risk for whatever reason, we can refer you to our trusted network of partners.
Some of the risk characteristics we actively seek include:
- Accounts with premiums more than $8,000
- Experience Modification Factors greater than .60
- Non-renewed accounts (for reasons other than non payment, non compliance, or poor financials)
- Book rollovers that are necessary due to carrier downgrades or program terminations
- Accounts with lapses in coverage more than 30 days
- Accounts that were canceled for non-payment or non compliance
- Standard treaty exclusion classes
- Split risks
Commercial Automobile
Minimum premiums for mono-line Primary Auto Cover start at $10,000 and 10 or more power units. Accounts with losses and/or adverse exposure information, or which have legitimate non-renewal issues are not a problem.
Primary Auto coverages for:
- Contractor’s fleets, all kinds (light, medium, heavy, x-heavy)
- Aggregate haulers
- Redi-mix trucks
- Non-emergency paratransit
- Taxi cabs
- Owner’s goods on owner’s vehicles
- Public use autos
- Social service autos
- Fuel haulers
- Hazardous wastehaulers
- Garbage haulers
- Pizza delivery