Every industry carries a different exposure profile. Here's how we underwrite the ones we know best — and where the coverage gaps usually show up.
GCs and subs carry exposure for their own work and everything that happens on a jobsite. The most common gap: certificates of insurance that look fine on paper but don't actually name the right party as additional insured, or expire mid-project.
Motor carrier exposure goes well beyond auto liability — cargo, non-trucking liability, and federal filing requirements all factor in. We place owner-operators and small fleets that many standard carriers won't quote.
Liquor liability and equipment breakdown are the two coverages restaurant owners most often discover they're missing — usually after an incident, not before. We build these in from the start instead of treating them as add-ons.
When the product is advice, the risk is a claim that the advice was wrong. We make sure E&O language actually matches the services rendered instead of relying on a generic professional liability form.
Foot traffic and product liability define retail risk. We size property and liability coverage to the real inventory value and customer volume, not a flat square-footage rate.
Working with vulnerable populations brings liability exposure that a standard GL policy doesn't fully address. We structure coverage around the licensing and oversight requirements specific to care facilities.