Risk advisory for closely-held businesses.

Commercial property, business interruption, equipment breakdown, builders' risk, inland marine, and general liability for closely-held businesses across the Northeast. We place P&C through Travelers, The Hartford, Cincinnati Insurance, Westfield Specialty, and Chubb depending on the business profile and risk characteristics.

Most middle-market P&C programs we acquire from other agencies have at least one underwriting characteristic that no longer reflects the business — outgrown limits on personal-property contents, inadequate business-interruption indemnity periods, or general-liability aggregates that haven't kept pace with the firm's exposure.

Primary GL placement plus excess liability towers to $25M and beyond for businesses whose contractual liability assumptions, premises-and-operations exposure, or product-liability profile demand it. Coordinated with the personal-umbrella tower carried by the principals.

For construction and contractor clients, OCIP/CCIP structures and wrap-up placements are available; for real-estate owners with significant tenant exposure, additional-insured certificate management and ongoing-operations endorsements are coordinated.

Statutory Workers Compensation across Connecticut, Rhode Island, New York, Massachusetts, and the rest of the Northeast — including monopolistic-state coordination, retrospective-rated programs, and deductible programs for clients with mature loss-history. Patricia Devanney runs the practice; David Erskine (ARM, CWCA) co-leads loss-control and claims-advocacy work.

For multi-state employers, we coordinate the work with the benefits practice to ensure the WC, occupational-disability, and short-term disability programs are not duplicating coverage or leaving gaps.

Commercial auto from a single owner's vehicle through fleet programs of two hundred vehicles. Composite-rated, retro-rated, or deductible-program structures available for clients with sufficient loss-experience credibility. Coordinated with the Hired & Non-Owned auto coverage for businesses that allow employee personal-vehicle use for business.

Fleet-management telematics partnerships are available through Travelers and The Hartford for clients whose loss-experience warrants the investment.

First-party and third-party cyber coverage, including ransomware response, business-interruption from cyber events, regulatory-defense (HIPAA, GDPR, state-AG actions), and PCI-fine assessment. Placed through Tokio Marine HCC, CNA, Chubb, and Travelers depending on the client's IT environment and PII exposure.

Technology Errors & Omissions for SaaS firms, fintech operators, and managed-service providers — distinct from general E&O and from cyber. The two policies are increasingly combined in carrier forms but the underwriting questions are different.

Performance and payment bonds for construction clients; license-and-permit bonds for regulated businesses; fiduciary bonds for trustees and executors of significant estates. Placed primarily through Travelers Surety, CNA Surety, and RLI Surety. Surety capacity is a relationship-driven business — we work with the same underwriting offices we have for two decades.

For larger construction clients, single-project and multi-job aggregate capacity is structured in conjunction with the contractor's CPA and surety underwriter; we coordinate that conversation.