For the exposures a standard policy was never built to hold.
Some risks sit outside the standard package — large construction projects, pollution, data, bonded obligations, equipment in transit. These take specialist markets and specialist underwriting. We place them, and we coordinate them so they work alongside the rest of your program.
These markets do not quote off a standard application, and the wrong placement is worse than no placement — it is coverage you paid for that fails when you need it. We know which markets write these risks well, and we coordinate the specialty pieces with your core program so nothing is double-covered and nothing falls through.
What we cover
Wrap-ups (OCIP / CCIP)
On larger construction projects, a single controlled insurance program covers the owner, the general contractor, and the subs under one policy. Done right, it cuts cost and closes the coverage gaps that appear when a dozen separate policies are supposed to line up. We help you decide when a wrap makes sense and we structure it so it actually does.
Environmental
Pollution and contamination claims that standard general liability excludes — for contractors disturbing a site, owners of property with a history, and operations that handle materials the law takes seriously. We place the coverage to the exposure rather than to a checkbox.
Cyber
A breach, a ransomware event, a fraudulent wire. Cyber covers the response, the liability, and the business income you lose while systems are down. The market changes fast and the applications are unforgiving — we make sure you qualify for the coverage you think you are buying.
Surety bonds
The bonds a contractor or licensed business needs to win work and stay compliant — bid, performance, payment, and license bonds. We build the surety relationship that gives you the capacity to take on bigger jobs.
Inland marine
Property that moves or sits off-site — equipment, tools, goods in transit, installation floaters. The coverage standard property policies leave at the property line, placed for where your assets actually are.
Lessor's risk (LRO)
For owners who lease their building to someone else's business. LRO covers the property and your liability as a landlord — the slip in the common area, the fire that starts in a tenant's kitchen. We place it with the tenancy you actually run in view, and we read the lease first, so the risk transfer written into it matches the policy standing behind it.
Captive and alternative risk
Past a certain size — or a certain kind of risk — buying insurance at retail stops being the smart structure. Captives, self-insured retentions, and structured programs let a business keep the risk it can afford and finance it deliberately. We tell you plainly when you are not there yet, and when you are, we design the path alongside the specialists who run these programs every day.
Talk to us before you bind
If you are taking on a project or an exposure outside your usual book, talk to us before you bind anything.
Start the conversation