Commercial
Risk advisory for privately held companies.
Owner-operated businesses carry a risk profile that public-company programs are not built for. Personal guarantees, concentrated ownership and key-person dependence all belong in the analysis.
Coverage
What we place.
Property & business interruption
Replacement-cost valuation, named-storm deductibles, contingent business interruption and extra expense modelled against real revenue, not a formula.
General & excess casualty
Primary liability, products, completed operations and layered excess towers structured so contractual requirements are actually satisfied.
Executive & management liability
Directors and officers, employment practices, fiduciary and crime — the coverages that respond when the claim is against the people, not the company.
Cyber & technology risk
First- and third-party cyber, funds-transfer fraud, business interruption from outages, and breach-response panels that answer within the hour.
Workers' compensation
Experience-modification review, class-code auditing, loss-sensitive program design and return-to-work coordination.
Employee benefits
Medical, dental, life and disability programs benchmarked against your peer set, with renewal negotiation handled by the same team.
Coordination
Where the business ends and the family begins.
For most owners, the two are inseparable. A commercial claim can reach personal assets; a personal umbrella can be voided by an undisclosed business use. Because we advise on both sides, the boundary is deliberate rather than accidental.
- Entity schedules reconciled across commercial and personal policies.
- Personal umbrella coordinated with commercial excess towers.
- Buy-sell funding and key-person coverage reviewed alongside the operating program.
- Certificate and contractual-requirement management handled in-house.
Bring us your renewal before it is due.
Ninety days out is enough time to test the market properly. Thirty is not. We will tell you honestly whether a change is warranted.