Nine lines of management, professional, and specialty coverage. Each one is placed through a structured, benchmarked market process with full transparency on every trade-off.
Coverage built for partnership structures, where firm obligations can reach the personal assets of the partners who stand behind them.
Partnership structures concentrate obligation in the people who own the firm. When a claim reaches the partnership, it can reach the partners. We structure liability programs that recognize how your partnership is organized, how capital and authority are shared, and where personal exposure begins. The result is a program that protects both the firm and the individuals who built it.
Protection against employee dishonesty, forgery, funds transfer fraud, and the social engineering schemes that target your people directly.
Internal theft and external fraud rarely announce themselves. They surface in reconciliations, vendor payments, and wire instructions that looked legitimate at the time. Crime and fidelity coverage responds where general liability policies do not, and the difference between a covered loss and a denied claim often comes down to how the policy was structured before the loss occurred.
Network security, privacy liability, and business interruption coverage matched to how your organization actually uses and stores data.
Cyber exposure is now an operational exposure. Ransomware interrupts revenue, privacy incidents trigger regulatory obligations across multiple states, and vendors carry your data into systems you do not control. We evaluate what your current policy would actually pay in a realistic incident, then structure coverage around your systems, your vendors, and your obligations to the people whose data you hold.
Personal asset protection for the individuals who govern, structured for private companies, nonprofits, and portfolio businesses.
Directors and officers make decisions on incomplete information, and they are personally accountable for the outcomes. D&O coverage exists so that a lawsuit against the organization does not become a claim on a board member's home. We structure Side A, B, and C coverage with attention to exclusions, definitions of claim, and the indemnification language that determines who is actually protected when it matters.
Defense and indemnity for the claims that arise from managing people: discrimination, harassment, retaliation, and wrongful termination.
Employment claims are among the most frequent liability events an organization faces, and their severity has climbed steadily. Wage and hour actions, third party claims, and multi plaintiff matters can escalate quickly. We align EPLI limits and retentions with your actual workforce profile, review how your policy treats wage and hour defense, and make sure the coverage matches the way you hire, manage, and separate.
Pollution legal liability for the exposures general liability policies exclude, on sites you own, operate, or touch.
Standard liability policies exclude most pollution events, which leaves a gap that many organizations discover only after a release, an excavation surprise, or a regulatory notice. Environmental coverage addresses site specific conditions, contracting operations, and the transport of materials. We assess where your operations create environmental exposure and structure coverage for the conditions you actually face.
Protection for the individuals who sponsor and administer benefit plans, in an era of sustained excessive fee litigation.
Anyone who exercises discretion over a benefit plan is a fiduciary under ERISA, and fiduciaries are personally liable for breaches of that duty. Excessive fee litigation has moved well beyond large plans, and settlements regularly exceed the limits many sponsors carry. We benchmark fiduciary limits against current settlement patterns and structure coverage that protects plan committees, administrators, and the organization itself.
First party recall costs, lost income, and brand rehabilitation for organizations whose products reach the public.
A recall is a balance sheet event before it is a liability event. The costs of notification, retrieval, destruction, and lost sales arrive immediately, long before any third party claim. Product recall coverage responds to those first party costs and to the contamination and defect scenarios that trigger them. We structure recall programs for manufacturers and brands with attention to contractual obligations to retailers and distributors.
Integrated errors and omissions and management liability programs for firms whose product is their judgment.
For professional firms, liability follows advice. Errors and omissions coverage protects the work itself, while management liability protects the people who lead the firm. Treating these as separate purchases creates gaps at exactly the point where claims tend to land. We build integrated professional and executive risk programs so that coverage lines respond together rather than pointing at each other.
A single strategy conversation is usually enough to map your exposures against the coverage you carry today.