Private Company

Directors & Officers (D&O) Liability

Protects the personal assets of company directors and officers against claims alleging wrongful acts in their management capacity — including shareholder disputes, creditor actions, and regulatory investigations. D&O insurance is frequently underutilized by privately held companies until it's urgently needed.

Employment Practices Liability (EPL)

Covers claims arising from wrongful termination, discrimination, harassment, and other employment-related allegations. EPL is one of the fastest-growing exposures for middle-market companies across every industry — and one of the most frequently excluded from standard general liability policies.

Fiduciary Liability

Addresses personal liability exposure for plan administrators and trustees managing employee benefit plans, including 401(k) and pension programs. A single claim of plan mismanagement can expose leadership to significant personal liability without this coverage in place.

Cyber Liability & Data Privacy

Structured cyber coverage for middle-market companies facing ransomware, business email compromise, data breach, and regulatory notification obligations. Cyber risk ranks among the top five exposures for privately held companies in technology, professional services, manufacturing, and healthcare — and standard property policies provide no meaningful protection.

Commercial Property & Equipment

Covers buildings, equipment, inventory, and business personal property against loss from fire, weather, theft, and other covered perils. We verify that replacement cost values are current and that policy sublimits don't create unexpected gaps when a claim occurs.

General Liability

Foundational coverage protecting against third-party bodily injury and property damage claims arising from your operations, products, or premises. We structure GL programs to coordinate correctly with umbrella and excess layers — closing the gaps that often emerge in package policies.

Commercial Umbrella & Excess Liability

Extends liability limits above your underlying policies — general liability, auto, and employers liability — to provide meaningful protection against catastrophic claims. For privately held companies with significant assets or contractual requirements, adequate umbrella limits are non-negotiable.

Commercial Auto & Fleet

Covers company-owned, leased, and hired/non-owned vehicles used in business operations. We address the gray areas — personal vehicles used for business, driver qualification standards, and telematics considerations — that standard auto policies frequently leave unresolved.

Workers' Compensation

Statutory coverage protecting employees injured on the job while managing the employer's exposure to costly claims and regulatory penalties. We actively support loss control strategies that reduce claim frequency and protect your experience modification rate over time.

Key Person & Life Insurance

Addresses the financial exposure created when the loss of a critical owner, executive, or producer would materially impact business continuity, debt repayment, or buy-sell obligations. Key person coverage is a foundational element of private company risk management that is frequently deferred until a triggering event makes delay costly.

Crime & Fidelity

Protects against employee theft, forgery, funds transfer fraud, and social engineering losses — exposures that are underreported and underinsured in privately held companies where internal controls may be less formal than at public counterparts.

Professional Liability (E&O)

Errors and omissions coverage for companies providing professional advice, services, or design — including technology firms, consultants, architects, and professional services providers. We structure E&O programs aligned with contractual indemnification requirements and client-facing risk transfer obligations.