Industries We Serve
Sector expertise changes what a broker sees.
We serve thirteen industries, and every engagement starts with how your sector actually operates: its contracts, its regulators, and its claims patterns.
We serve thirteen industries, and every engagement starts with how your sector actually operates: its contracts, its regulators, and its claims patterns.
Contractors, developers, architects, and engineers carry exposure that shifts with every project, contract, and subcontractor relationship.
Construction and design firms face liability that is written into their contracts long before it appears in their claims history. Indemnification obligations, professional liability for design decisions, and pollution exposure on active sites each demand specific coverage responses. We review programs against the contracts you actually sign, so coverage follows the risk you have agreed to carry.
Product liability, recall exposure, and supply chain dependencies define the risk profile of organizations that make things.
Manufacturers carry their exposure into every unit that leaves the facility. A defect, a contamination event, or a supplier failure can trigger recall costs, contractual penalties, and litigation at the same time. We structure programs that address the full sequence, from first party recall expense through product liability defense, with attention to the requirements your retail and distribution partners impose.
Schools, colleges, and education organizations answer to students, families, regulators, and boards at once.
Education institutions hold sensitive data on minors, employ large and varied workforces, and operate under governance structures that invite scrutiny. Employment claims, cyber incidents, and allegations against leadership each carry reputational weight beyond their dollar cost. We build programs that protect the institution, its board, and the people it serves.
Providers and health services organizations operate under constant regulatory change, with exposure that shifts faster than annual renewals.
Health care organizations face liability from regulators, patients, employees, and payers simultaneously. Privacy obligations under HIPAA, employment exposure across clinical workforces, and governance scrutiny of leadership decisions each require coverage that reflects current operations, not last year's. We keep programs aligned as the organization and the rules around it change.
For law firms, a single claim can reach partner assets, firm reputation, and client relationships at once.
Legal malpractice claims have grown in both frequency and severity, and firm structures mean liability is often personal. We align professional liability programs with practice mix, review policy language against how claims actually develop, and structure partnership and management liability so that firm leadership is protected alongside the practice.
From preclinical through commercialization, life science companies carry exposure that changes with every milestone.
A life science company's risk profile transforms with each stage: clinical trials, regulatory submissions, manufacturing scale up, and market entry each introduce new liability. Products liability, D&O exposure tied to disclosures, and recall scenarios demand coverage designed for where the company is now and structured for where it is going.
Mission driven organizations carry fiduciary duty and public trust with limited internal risk resources.
Nonprofit boards accept personal responsibility for organizations that often have no internal risk function at all. Employment claims, benefit plan administration, and governance decisions each create exposure for volunteers and executives alike. We provide the structured oversight an internal risk office would deliver, sized to a mission driven budget.
Consultancies, agencies, and advisory practices sell judgment, and their liability follows the advice they give.
Professional services firms face claims that arrive years after the engagement that produced them. Errors and omissions coverage, management liability, and cyber protection need to respond as one program, with prior acts coverage and policy language that matches how professional claims actually develop.
Funds and their portfolio companies need risk programs that perform from diligence through exit.
Top performing sponsors treat risk governance as a value lever. Transaction exposure, portfolio company D&O programs, and cross portfolio benchmarking each contribute to cleaner diligence and stronger exits. We work across the fund and its holdings to bring consistency, pricing leverage, and exit ready documentation to every company in the portfolio.
Owners, operators, and developers face exposure embedded in every property, lease, and financing agreement.
Real estate liability lives in the details: environmental conditions on acquired sites, lender insurance requirements, contractor relationships, and the governance of ownership entities. We structure programs across portfolios so that coverage is consistent, lender compliant, and priced with the leverage a portfolio placement provides.
Staffing firms carry employment exposure for workforces they place but do not supervise.
The staffing model separates employment from supervision, and liability fills the space between. Co employment claims, wage and hour actions, and client contractual requirements create a risk profile unlike any other industry. We structure EPLI and liability programs that reflect how placements actually work, and we review client agreements for the obligations they quietly transfer.
Carriers, brokers, and logistics operators face exposure that moves with every shipment.
Transportation liability compounds across contracts, cargo, and the environmental consequences of what is being moved. Freight brokers carry contingent exposure for carriers they select, and logistics operators hold customer goods and data in systems that invite cyber events. We build programs matched to your role in the supply chain.
Public entities balance statutory obligations, public accountability, and constrained budgets.
State and local entities face employment litigation, cyber attacks on essential services, and public officials liability, all under procurement rules and budget cycles that complicate the insurance process. We help public entities structure defensible programs, document decisions for public review, and plan renewals around fiscal calendars rather than carrier convenience.
Sector knowledge is the starting point. Every program we build reflects your specific operations, contracts, and growth plans.