Specialty Underwriting Programs, Products, and Structures

A key component of our Specialty Underwriting involves our customers’ willingness to retain some element of self-insurance.  The self-insurance element can take the form of a: (1) larger deductible ($50,000 and up); (2) self-insured retention; (3) captive reinsurance; or (4) federal risk retention group/purchasing group.  Generally these customers have larger premiums ($500,000 plus).  Coverage may include General Liability, Professional Liability, Auto Liability and Auto Physical Damage, Property and, in some situations, Workers’ Compensation/Employer’s Liability. 

Our Specialty Underwriting staff has significant experience working with agents, brokers and insureds to provide quality insurance protection through cost-effective and sustainable structures.  We often combine traditional insurance marketplace products with various forms of alternative insurance mechanisms to achieve long-term risk financing savings.