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:

Amusement Attractions & Action Sports
For more information, visit the Amusement Attractions & Action Sports page.

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+)
Construction: Practice Policies
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
Construction: Wrap-Up / Project-Specific
shutterstock_43839091This specialist team is a dedicated and coordinated group of more than 40 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.
Energy and Oil & Gas
For more information, visit the Energy and Oil & Gas page.

Onshore and Offshore:
  • Oil & Gas
  • Petrochemical
  • Utilities
  • Alternative Energy
  • 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 Entertainment page.

The Entertainment industry has a wide range of unique risks. Entertainment companies, services, events, and venues need custom solutions, tailored to their specific needs. Our specialists can help you determine the best options for your client’s risk management strategy.
  • Film, Radio, and Television – DICE (Documentaries, Industrial, Commercial, and Educational productions), Music/Video Production, Advertising Agency DICE Wrap-Up, Independent Films, Motion Picture Studio Productions, Photographers, TV/Radio Stations and Broadcasters, Media Distribution – Music & Video
  • Entertainment Services – Equipment Rental Houses, Post Production Services (voice editing, film editing, etc.), Miscellaneous Equipment Services, Event Promoters/Producers, Event Production Services, Miscellaneous A/V Services, Scenery/Set Design & Fabrication, Talent Agencies, Film/Acting Schools
  • Live/Touring/Theatrical/Special Events (including participant liability) – Theatrical Companies, Touring Entertainers/Artists, Special Events (festivals, retreats, street fares, weddings, conventions, parades, art exhibits, and trade shows), Staging for Events, Event Planners, Tenant Users Liability Insurance Policy (TULIP)
  • Venues – Stadiums, Concert Halls, Art Galleries and Museums, Dance Studios, Dance/Music Halls, Live Theaters, Dinner Theaters
  • Package – Property, GL, IM, Crime
  • Auto
  • Workers’ Comp
  • D&O
  • EPLI
  • Media Liability E&O
  • Cyber
  • Contingency (event cancellation, non-appearance, adverse weather)
  • Accident and Medical
  • Special Event (including participant coverage)
For more information, visit the Environmental 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 to include environmental site assessments, impact studies, groundwater & air quality testing, training & education, laboratory, analytical services, regulatory & permit consulting, facilities design & supervision
  • Contractor’s Professional & Contractor’s Pollution Liability – provided for non-environmental contractors to include asbestos, lead & mold remediation, contractors, clean-up contractors (including fire & water restoration and emergency response contractors)
  • Contractor’s Pollution Liability including Mold – provided for any type of contractor such as general contractors & subcontractors doing carpentry, electrical, excavation & grading, roofing, sewer & water, demolition; virtually all contracting exposures for both residential & commercial work
  • Environmental Casualty – CGL/Products Pollution/Site Pollution Liability for risk, such as all types of manufacturing, including chemical blenders, plastics operations, pollution control equipment, & distributors
  • Products Pollution Liability – including valves, pumps and liners
  • Site Pollution Legal Liability – including recycling facilities, transfer stations, landfills, waste haulers and brokers as well as brownfield properties, manufacturing, habitational, and property transfers
  • OCIP & CCIP Environmental and Professional Products
  • Project or Contract Specific Policies
  • Excess Liability for All Products
  • Underground / Above Ground Storage Tank Pollution Liability – including tank farms and petroleum or gas distributors
Financial Institutions
For more information, visit the Financial Institutions page.

We specialize in Financial Institutions coverage, and our team 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.
  • Public, Private, & Non-Profits
  • Banks
  • Credit Unions
  • Trust and Escrow Companies
  • Investment Advisors & Security Broker Dealers
  • Asset & Fund Managers
  • Private Equity
  • Venture Capital
  • Real Estate Investment
  • Community Development Corporations
  • Mortgage Banks & Brokers
  • Insurance Companies
  • Other Non-Regulated Lending & Depository Facilities
  • REITs
  • New emerging Fin-Tech space
  • 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
Franchise Industry
For more information, visit the Franchise Industry page.

franchise industry
  • Franchisors
  • Individual franchisees and programs for franchisees
  • Master franchisors / area developers
  • Non-franchised businesses with multiple locations
  • Hospitality franchises and multiple location ownership
  • Directors & Officers Liability
  • Franchisor Errors & Omissions
  • Employment Practices Liability
  • Fiduciary Liability
  • Cyber / Privacy / Data Breach / Media Coverage
  • Fidelity Insurance
  • Deadly Weapons / Active Shooter Coverage
  • Coordinated and customized coverage solutions for franchisees
  • Customized programs for franchise members
  • Professional Liability / Errors & Omissions coverage for non-franchisor exposures
For more information, visit the Healthcare page.

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
    • Allied Staffing
    • Ambulance Services -- EMT, NEMT
    • Clinics / Urgent Care Facilities
    • Correctional Healthcare
    • Imaging Centers
    • Laboratories
    • Medical Schools
    • Medical Spas
    • Rehabilitation Centers
    • Surgery Centers
  • Hospitals
    • Rural / Community
    • Acute Care
    • Addiction / Substance Abuse / Psychiatric
    • Rehabilitation -- Brain Injury and Short-Term Post Hospital Stay
  • Other Healthcare Professionals – including (but not limited to) acupuncturists, CRNAs, dentists, doctors, EMTs, medical staff, midwives, nurses, ocularists, optometrists, oral surgeons, nurse practitioners, paramedics, pharmacists, physicians' assistants, podiatrists, psychiatrists, psychologists, surgical assistants.
  • Physicians
    • Solo Hard-to-Place Physicians
    • Physician Groups
    • Locum Tenens and Contract Staffing Groups
    • Medical Directors
    • Stand-alone Extended Reporting Period Placements
  • Senior Care
    • Independent Living Facilities
    • Assisted Living Facilities
    • Memory Care
    • Skilled Nursing Facilities

In addition to the standard healthcare classes, we also specialize in handling Social Services accounts. For more information, visit the Non-Profits: Human Services page.
Description of Operations Coverages / Limits Premium State
Skilled Nursing Facilities PL / GL (Primary and Excess) – $4M limit $650,000 CA
Non-Emergency Medical Transport PL / GL / Auto (Excess) –
$7M xs Primary
$545,000 CA
90-Bed Community Hospital being purchased out of bankruptcy PL / GL / EBL / $2M Umbrella – Carrier handled Mcare filing $261,000 PA
Hospital Staffing – RNs PL / GL / HNOA (Primary and Excess) – $8M limit $160,000 CA
Inpatient Substance Abuse Rehab – large losses PL / GL $146,000 OK
Assisted Living and Memory Care Communities PL / GL (Excess) – $10M x $15M $105,000 WA
OB-GYN – large losses PL $78,000 FL
Home Health Staffing and Adult Day Care PL / GL $75,000 HI
Stand-alone Unlimited ERP for Cardiologist – Minor Surgery PL $11,250 AZ
Telemedicine Group PL / Tech E&O / GL / Cyber $11,000 TX
Medical Spa Performing Category I-III Procedures PL / GL $8,600 FL
6-Bed Assisted Living Facility PL / GL $1,750 WA
For more information, visit the Hospitality page.

The hospitality industry is complex, and insureds need a risk management coverage strategy that addresses the issues specific to their unique business environment. Our specialists are well-versed in helping define an insured’s risks and exposures, so you can provide them with the best options to obtain the coverage they need.
  • Banquet Halls
  • Bars
  • Billiard Clubs
  • Casinos
  • Gentlemen’s Clubs
  • Nightclubs
  • Restaurants
  • General Liability
  • Liquor Liability
  • Property (including earthquake, flood, wind)
  • Excess
  • EPLI
  • Cyber
  • Crime
Life Sciences
For more information, visit the Life Sciences page.

Human and Animal (including but not limited to):
  • Drugs – ethical, generic, biosimilar, over-the-counter
  • Devices – diagnostics, dental, DME, minimally invasive – invasive, permanently implantable
  • Clinical Trials – both domestic & foreign, including locally admitted placements and DIC/DIL cover
  • Nutraceuticals – ingestible, consumable, topical, injectable
  • Clinical Research Organizations – sponsored & non-sponsored, including sites
  • Blood – blood, blood plasma, and tissue products
  • Labs – laboratories and testing facilities
  • Telemedicine – prescribing, diagnosing, testing & consulting
  • Med Tech – applications and products
  • Contract Manufacturing & Distributors – OEM, private label, and proprietary
Primary & Excess Liability:
  • Products & Completed Operations – including collateral coverage lines
  • Errors & Omissions – stand-alone or combined CGL / Products / E&O
  • CGL & Incidental Medical / Professional – combined policy
  • Discontinued Products / Operations – multi-year policy terms
  • Tail Cover / IBNR - Manuscript Coverage – Claims Made coverage expertise
For more information, visit the Mining page.

With unique exposures and the potential for sizable losses, our team’s experience is critical for helping your valued clients.
  • Mines and quarries – including above-ground, open pit, and underground mining risks
  • Mining-related operations – including refineries and processing plants, equipment manufacturing, repair contractors, and supply companies
  • Mining consultants and engineers
  • Precious metal mines – e.g., copper, molybdenum, iron, gold, silver, aluminum
  • Non-metal mines – e.g., garnet, diamond, salt, rock, sand, gravel
  • Coal mines
We work as a team to anticipate exposures, design placements, and help select the coverages needed to best serve the client, including:
  • Layered property programs, including below-ground values with underground Business Interruption
  • Manuscript policy forms to address the unique exposures that many mines have
  • General Liability
  • Builder's Risk, including development of new mines
  • Pollution Liability
  • Professional Liability (project design wraps)
Non-Profits: Human Services
For more information, visit the Non-Profits Human Services page.

Human Services Non-Profits are organizations that fall into these types of categories:
  • Substance Abuse – Outpatient services, Residential facilities (including detox), Sober living homes
  • Mental Health – Group homes, Independent living services, Outpatient services, Residential facilities
  • Developmentally Disabled – Day treatment programs, Group homes, Independent living services, Intermediate care facilities, Vocational programs
  • Youth Services – Counseling services, Foster care / Domestic adoption, Headstart and youth centers, Residential facilities (including group homes and shelters)
  • Social / Community Services – Advocacy / education / outreach, Senior adult daycares, Services for disadvantages population, Shelters (homeless, domestic violence)
  • Directors & Officers
  • Professional Liability
  • Employment Practices Liability
  • Workers' Compensation
  • Fiduciary
  • Crime
  • Cyber
  • Property
  • General Liability
  • Abuse
  • Auto
  • Inland Marine
  • Umbrella
Product Recall & Contamination
For more information, visit the Product Recall & Contamination 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
Real Estate
For more information, visit the Real Estate page.

Each real estate venture has its own unique set of risks. Ensuring your client has the correct coverage can be complicated and requires specific expertise. We can help you navigate these hurdles and secure the right coverages for your client.
  • Property Owners and Managers
  • Asset Managers / Fund Managers
  • Real Estate Investment Firms
  • Private & Public Real Estate Investment Trusts (REITs)
  • Contractors
  • Builder / Developers
  • Condominium Associations
  • Homeowners Associations
  • Community Development Corps
  • Housing Authorities
  • Financial Institutions
  • Private Equity Firms
  • EB-5 Licensed Firms
  • REO SFH Investor Portfolios
Our specialists can help you find the best solutions for your real estate risks with coordinated placement and service throughout multiple coverage lines.

Asset Management D&O and E&O

  • Asset Management / Capital Syndicator D&O/E&O
  • Real Estate Fund D&O & E&O Liability Policy
  • Privacy / Cyber Liability
  • Fiduciary Liability
  • Employment Practice Liability (EPLI)
  • Fidelity Bonds


  • All Risk / Property
  • DIC / Earthquake, Flood, and Named Storm


  • Excess & Umbrella Liability for Habitational (apartments, subsidized housing, condominiums) and Hospitality

  • Application developers
  • Brick and mortar businesses with an online presence
  • Consultants
  • Media companies
  • Biotechnology
  • Online businesses
  • Telecommunication companies
  • Cloud providers
  • Professional Liability
  • Media Liability
  • Cyber / Privacy
  • Directors & Officers Liability
  • CGL
  • Property
For more information, visit the Transportation page.

  • 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
  • Dealers Open Lot
Workers' Compensation
shutterstock_43839091We 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
Some of the risk characteristics we cannot underwrite include:
  • 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