Practice

Property and Casualty

Commercial and personal insurance placed by a local team that knows your operation, with specialists across the country behind it.

How we approach risk

National reach, local expertise

A broker close enough to visit your site, with access to markets and specialists across the country.
Strategic risk management

We look at what could go wrong, what it would cost and how to reduce it before we talk about what to buy.
Industry expertise

Teams that work in your industry know its exposures, its contracts and its claims.

What each line is for, in a sentence. Your team explains the terms, limits and exclusions of any policy before you decide.

Casualty
Liability for injury or damage your business may cause others, and for injuries to your own people.
Property
Buildings, equipment, inventory and the income you would lose if they were damaged.
Professional and financial
Coverage for the risks that come with giving advice, running an organization and handling money.
Personal lines
Home, auto, umbrella and valuables coverage for individuals and families, business owners included.

Business auto Vehicles your business owns, leases or uses.
Environmental liability Pollution and contamination claims that general liability policies often exclude.
Excess liability Higher limits above one specific underlying policy.
General liability Bodily injury and property damage claims from your premises and operations.
Product liability Claims tied to products you make, distribute or sell.
Umbrella liability An added layer above several underlying liability policies.
Workers’ compensation Medical care and lost wages for employees hurt on the job, as state law requires.

The work around the policy, from the first site visit to a claim that will not settle.

Loss control Workplace and transportation safety, OSHA guidance and return-to-work programs.
Claims advocacy Support when a claim is filed, disputed or slow to resolve.
Captive feasibility Whether a captive makes sense for your organization, and on what terms.
Captive management Running an established captive, from filings to renewals.
Alternative risk Options beyond a traditional policy, such as large deductibles and self-insurance.
M&A due diligence Insurance and risk review for buyers and sellers in a transaction.
Actuarial Loss projections and program pricing analysis.
Benchmarking and data analytics How your program and your losses compare with your peers.
Experience modifier review A check of the workers’ compensation experience modifier that feeds into your premium.
Environmental exposure An assessment of environmental risk at your sites and in your operations.
Healthcare professional liability Liability programs for healthcare organizations and providers.
International Coverage for operations, people and property outside the United States.
Coverage GPS A structured review of where your insurance program stands today.

Twenty-three industries, each with teams that know how it works.

Start with your operation, your sites and your last loss runs. A local team will walk through what you carry and what you might be missing.

(847) 457-3000 Headquarters, Deerfield, Illinois