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Insurance Requirements


  • Pressure vessels
  • Refrigeration systems
  • Pumps and compressors
  • Heating and air conditioning systems
  • Turbines
  • Electronic data processing (EDP) systems
  • Engines that utilize electrical or mechanical energy or are under steam pressure


Contract Bonds

  • Bid
  • Performance
  • Payment

License & Permit Bonds

  • Compliance
  • Third-Party Suit
  • Compliance with Financial Guarantee
  • Compliance with Performance

Court Bonds

Fiduciary Bonds

Custom Bonds

Indemnity Bonds


Business Interruption

  • Business impact studies
  • Needs assessment
  • Business recovery plans and workarounds
  • Emergency response plans and training
  • Crisis management

Supply Chain

  • Loss of important provider of goods and services


  • Ocean Cargo:
  • War and Strikes
  • Riots and Civil Commotion
  • Barge Cargo and Cargo Legal Liability
  • Specie Risks: Armored car risks with all other forms of specie, such as Fine Art, Jewelers Block, Bloodstock, etc.
  • Hull and Machinery
  • Protection and Indemnity
  • Marine liabilities such as Marine General Liability, Ship Repairers Liability, Charterers Liability, Wharfinger Liability and Stevedoring
  • Longshoremen and Harborworkers Workers Compensation
  • Excess and Bumbershoot Liability
  • Vessel Builders’ Risk
  • Vessel Pollution Liability
  • Energy Risks


  • Automobile Liability
  • Captives
  • Excess Liability
  • General Liability
  • Product Liability
  • Professional Liability
  • Umbrella Liability
  • Workers Compensation

Cyber Risk

  • Privacy breaches are on the rise.
  • Network threats and vulnerabilities are getting dramatically worse.
  • Over 40 states have enacted Privacy Laws in response to frequency of privacy breaches.
  • Stakeholders demand prudent risk management that protects the organization.
  • Plaintiffs’™ bar is becoming more active.
  • Contracts are beginning to require Cyber Insurance.
  • Additional safety net if security defenses and procedures fail.
  • No matter how comprehensive the security, there will always be the threat of rogue employees, social engineering, hacker sophistication and human error.


  • Insurance program evaluation to identify potential gaps in coverage and to consider coverage enhancements. Loss control and claims servicing capabilities are also evaluated.
  • Design of innovative and cost-effective environmental insurance solutions — including, but not limited to the following coverage areas:
    • Fixed site pollution liability coverage, also known as Pollution Legal Liability or Environmental Impairment Liability
    • Contractor`s Pollution Legal Liability
    • Environmental Consultants Professional Liability programs
    • Contractor`s Professional Liability programs
    • Underground Storage Tanks
    • Asbestos and Lead Paint programs
    • Environmental training and education
    • Effective environmental risk management alternatives, such as non-insurance contractual risk transfer, self-insurance programs, and blended solutions combining standard risk transfer with other asset protection techniques to provide balance sheet relief
    • Contract assistance for lease agreements, construction contracts, service agreements, purchase orders, contracts of property sale, and material supply contracts
    • Environmental risk identification and analysis
    • Claims and litigation support


Directors & Officers Liability

  • Actual or alleged management errors or omissions
  • Any misrepresentation, misleading statement or misleading action
  • Neglect or breach of duties by the individual directors and officers

Employee Dishonesty

  • Computer fraud coverage
  • Fraudulent funds transfer
  • Broad definition of employee
  • ERISA-mandated fiduciary dishonesty coverage

Employment Practices Liability

  • Wrongful termination (actual and constructive)
  • Discrimination (including that due to race, age or gender)
  • Sexual harassment (and workplace harassment)
  • Failure to hire
  • Failure to promote
  • Other key employment perils

Errors & Omissions

  • Accountants
  • Lawyers
  • Architects & Engineers
  • Insurance Agents and Brokers
  • Bankers

Fiduciary Liability

  • Actual or alleged ERISA violations
  • Breach of ERISA fiduciary duties
  • Negligent administration of benefit plans
  • Civil penalties for inadvertent violation of key ERISA sections
  • Fiduciary mismanagement and administrative errors & omissions
  • Terminated, sold or merged plans
  • COBRA obligations

Kidnap & Ransom

  • Ransom demand for a kidnapping
  • Bodily injury extortion
  • Expenses related to an insured event
  • Legal obligations related to an insured event
  • Business interruption coverage
  • Baby-nap coverage, where applicable
  • Computer system “extortion


Alternative Risk

Commodity Solutions

Dual-Trigger Structures

Financial Risk

Risk Finance Consulting

Trade Credit & Political Risk


Transfer Risk

Support Sales Growth

Enhance Borrowing

Improve Credit Terms

Weather & Commodity Risks

Weather Derivatives


  • Personal Liability — primary and excess limits up to $100 million, not-for-profit liability, including directors’ and officers’ coverage
  • Property — high value, standard, secondary, condo, course of construction, rental property, domestic & foreign
  • Fine Arts and Collectibles
  • Jewelry
  • Wine Collections
  • Vehicles — high value, standard, collector, RV, snowmobile and motorcycle
  • Catastrophe Coverage — earthquake, wind and flood
  • Kidnap and Ransom
  • Identity Theft
  • Watercraft — yacht, small boat, sailboat and personal watercraft
  • Family Office Coverage
  • Entertainment and High Profile
  • Workers Compensation for Domestic Employees
  • Employment Practice Liability for Domestic Employees
  • Equine, Animal Mortality, Gentleman’s Farm (non-commercial)
  • Aviation


  • Boycotts of the company’s products or services
  • Collapse of the share price
  • Serious legal claims
  • Loss of credit
  • Bankruptcy
  • Serious damage to the company’s image and reputation
  • Loss of corporate senior and middle management
  • Possible closure of the company or parts of it
  • Abandonment of the company’s brand



  • Risks Analysis and Consulting
  • Coverage Review
  • Manuscript Forms
  • Loss Prevention/Loss Control
  • Catastrophic Coverage (coastal risks, earthquake zones, terrorism risks)
  • Claims Management
  • Benchmarking
  • Analysis of Risk Retention vs. Risk Transfer
  • Builder’s Risk
  • Boiler and Machinery
  • International
  • Terrorism
  • Mortgage Impairment and Foreclosed Properties
  • Catastrophe Modeling



  • Sabotage
  • Strike/Riot/Civil Commotion
  • Malicious Damage

Political Violence

  • Insurrection/Revolution/Rebellion
  • Mutiny/Coup d’Etat
  • War/Civil War

Business Interruption

  • Contingent Business Interruption
  • Loss of Earnings/Extra Expense
  • Denial of Access

Terrorism Liability

  • Public Liability for Third-Party Bodily Injury
  • Employers Liability
  • Pollution Clean Up/Defense costs
  • Nuclear, Chemical, biological, Radiological First- and Third-Party Decontamination/Clean Up Costs

Corporate Protection

  • Kidnap/Detention/Hijack
  • Extortion/Products Extortion

Alternatives to TRIA/TRIPRA

  • Certainty of Cover
  • No requirement for certification
  • Broader policy form


  • Accountability systems, including safety committees
  • Carrier services oversight
  • D.O.T. compliance programs
  • Defensive driving training
  • Environmental consulting
  • Ergonomic assessments and recommendations
  • Hazard surveys and recommendations
  • Hazardous material reviews, audits and training
  • Loss analysis and trending
  • New employee orientation
  • OSHA compliance programs
  • Regulatory compliance audit services
  • Safety programs to standardize safety compliance
  • Safety training programs
  • Substance abuse program development and training


  • Are project-specific, which ensures that claims against contractors and vendors for work performed is not depleted by claims filed against them for other projects.
  • Guarantees that vendors have the same level of liability coverage.
  • Allows a business to take on a project that might be deemed risky and hard to insure and obtain better coverage at more competitive rates.
  • Extended completion coverage can also be purchased, which may extend liability coverage for all named vendors liability for up to 10 years after project completion or until the Statute of Limitations expires.