Industries We Specialize In
Multi-line programs for mid-market operations where the risks are interconnected, the ownership structures are layered, and a standard BOP (business owner's policy) stopped fitting a long time ago.
Where we go deepest.
Four verticals where we've built dedicated carrier relationships, underwriting fluency, and program structures around how these operations actually run.
Multi-Location Restaurant Groups
Coordinated general liability (GL), liquor, property, WC, and BI across multiple concepts and units — structured around liquor-to-food ratios, franchise compliance, and the reality that a single kitchen fire can trigger claims across four coverage lines simultaneously.
→Hotels & Hospitality Groups
Programs built around RevPAR-calibrated BI, FF&E replacement cost schedules, PIP renovation cycles, HMA liability splits, and franchise agreement insurance exhibits — for single properties through multi-flag portfolios.
→Food Distributor & Wholesaler
Fleet, cargo, spoilage, product liability, and warehouse property as one integrated program — because when a reefer fails at 2 AM or a contamination claim hits, the exposures don't stay in separate silos.
→Commercial Fleets & Trucking
Fleet auto, cargo, physical damage, and non-trucking liability for DOT-regulated operations — structured around Safety and Fitness Electronic Records (SAFER) reports, Compliance, Safety, Accountability (CSA) scores, and carrier markets with genuine appetite for commercial transportation risk.
→Expanding specializations.
Seven verticals where we're actively building program depth and dedicated carrier access for mid-market clients.
Commercial Real Estate Portfolios
Blanket property programs across office, retail, industrial, and mixed-use assets — with portfolio-level TIV schedules, per-location deductible structures, and loss of rents calibrated to actual lease terms.
→Wholesale & Distribution (Non-Food)
Coordinated property, product liability, inland marine, and fleet coverage for distributors moving goods that don't carry food-specific spoilage exposure but still need programs built for distribution operations.
→Light to Medium Manufacturing
Product liability, equipment breakdown, environmental exposure, and production-floor WC — structured around your facility's actual operations, output volume, and downstream distribution chain.
→Technology Companies (SaaS / IT Services)
Tech E&O (errors and omissions), cyber, directors and officers (D&O), and employment practices liability insurance (EPLI) coordinated to satisfy enterprise contract requirements and investor term sheets — without coverage overlaps that waste premium or silent exclusions that leave gaps between policies.
→Food & Beverage Manufacturing
Product liability, product recall, equipment breakdown, and spoilage coordinated for producers and processors — because a contamination or recall event combines a lawsuit, destroyed inventory, and a production shutdown at once.
→Allied Health Practices
Professional liability (malpractice), general liability, and entity coverage for acupuncture, chiropractic, and physical therapy practices — structured around each practice’s modalities and the entity-versus-individual split clinics get wrong.
→Mid-Size Specialty Contractors
GL, completed operations, contractor's equipment, and umbrella for mechanical, electrical, and structural trades — at a project scale where subcontractor exposure and contractual AI requirements outgrow a standard artisan package.
→Additional commercial sectors.
Beyond our core verticals, we place commercial insurance across dozens of industries. If your business needs coverage, we can help.
Don't see your industry?
We cover more than what's listed here. Tell us what you do and we'll tell you how we can help.