Crop insurance solutions provide a vital financial safety net, protecting agricultural livelihoods and ensuring the sustainability of farming operations for generations to come. Coverage addresses natural disasters, market volatility, and yield loss, with products including revenue protection, yield protection, income protection, and livestock protection. Specialized programs are crafted to fit the specific needs of each operation, no matter the crop, leveraging proprietary software to analyze historical data and examine possible coverage options. Federal crop insurance program navigation, private and supplemental products, and coordination with multiple approved insurance providers (AIPs) help create efficient, customized risk management strategies designed to fit each farm or ranch.

Comprehensive insurance and risk management solutions for architects and engineers (A&E) address the complex risks that design professionals encounter daily, including onerous contract clauses, constantly evolving technologies, morphing project delivery methods, and an increased emphasis on both sustainable and resilient design. Coverage spans professional liability, property & casualty, executive risk, cyber, and benefits, with unmatched depth of specialty industry knowledge. Team members have robust industry backgrounds — many having defended A&E professional liability litigation, served as in-house counsel for ENR 100 firms, or led claims teams at leading professional liability markets. Services include contract review and revision, loss prevention education, claims advocacy, due diligence for mergers and acquisitions, and thousands of loss prevention education programs delivered annually to customers and professional association chapters.

Specialty insurance for commercial aviation exposures on the ground and in the air covers the complex and evolving challenges facing the aviation and aerospace industry — from technology innovations and regulatory compliance to geopolitical risks and supply chain disruptions. Services include risk analysis, insurance program design, certificate issuance, claims management, and review of operating contracts, delivered by a team of licensed civilian and military pilots, underwriters, and claim advocates. Focus areas span manned aircraft (commercial, corporate, private-owned), unmanned aircraft (commercial UAV/UAS), non-owned aviation hull and liability, ground and airport operations, and aviation product liability. Coverage lines include aviation hull and liability, airport liability, aviation product manufacturer liability, aviation war, excess aviation liability, aviation environmental liability, and a full suite of aviation management liability coverages including D&O, cyber, and media liability.

Comprehensive construction insurance programs for businesses and project owners help navigate climate change, labor shortages, regulatory compliance, environmental concerns, and supply chain issues. Coverage includes builder's risk, liability (general, management, environmental, cyber), wrap-up programs, surety, and safety services, with collaboration on risk holistically for overall business and at a project level across all phases of the project lifecycle — from financing through property sale. With oversight of a multi-billion-dollar portfolio of builder's risk projects and wrap-up programs, the team works with all project sizes — from small artisan endeavors to large-scale infrastructure projects and manufacturing facilities. Insurance companies recognize the safety culture and ability to minimize claims, enabling negotiation of broader coverage and terms. Active involvement in industry associations including AGC, ABC, and NASBP supports thought leadership and market access.

Comprehensive training, insurance, and F&I product solutions help automotive, RV, marine, and powersports dealerships nationwide improve performance and succeed in a dynamic business environment. Experienced representatives and trainers collaborate with dealerships to deliver high-quality F&I products and provide continuous compliance and F&I process education and coaching, alongside access to profit participation programs, commercial insurance, employee benefits, workers' compensation, cyber risk, and more. Programs include custom F&I product solutions, personalized training and coaching, compliance and sales learning resources, in-person and online support, and business process review. The F&I Management Certification, Ethics & Compliance Certification, and the AI-powered SIM365 experiential learning platform support dealership team development, while participation programs including NCFC, CFC, Retro, and DOWC are configured to align with each dealer's specific goals.

Education insurance solutions for schools, colleges, and universities are built to address the unique needs of protecting campus property (both physical and intellectual), the health and well-being of students, faculty and staff, and financial goals through mitigation of potential liabilities. The education sector faces dynamic risks including rising health insurance premiums, behavioral health concerns, costly lawsuits, property risks, cybersecurity threats, and emerging social and campus issues. A national education team with first-hand experience working with public and private schools, large systems, and community colleges delivers student health and wellness programs, institutional risk management strategies, and robust benefits programs. Coverage spans property and casualty insurance, employee benefits, and student health insurance and wellness solutions, with specialized expertise in Title IX compliance, behavioral health, and campus risk management.

The Global Energy, Power & Climate Tech Practice delivers customized, analytics-driven insurance programs that help power producers, utilities, and climate tech innovators protect critical assets, strengthen resilience, and support long-term growth. The practice has experience supporting climate tech initiatives, working with organizations to address the impacts of a warming planet and manage emissions, offering lifecycle risk management from asset development through operation. Areas of energy and power risk transfer include property and equipment breakdown, business interruption and revenue loss, general liability, pollution liability, construction and project-specific coverages, directors & officers liability, cyber liability, captive feasibility and alternative risk financing, surety and performance bonds for energy projects, and tax liability for energy-related tax credits. Tailored solutions are based on advanced analytics, performance data, and real-time market insights.

Entertainment insurance solutions for productions, events, and performers deliver a high-touch advisory approach to help navigate risks with confidence, protecting many of the world's leading artists, entertainment organizations, and venues against business interruptions, loss of key performers, ransomware threats, and production delays. Work spans film, television, live theater, music, commercial production, and electronic games, with decades of industry history providing insight and market clout. Tailored coverage includes wrap-up programs for advertising agencies, key man and non-appearance coverage, high-limit cast coverage, media errors and omissions (E&O) insurance, cyber insurance for corporate and specific production risks, professional liability including employment practices, hurricane/tsunami programs from Lloyd's of London, political risk and violence packages, and bespoke captive solutions for hard- or impossible-to-insure risks. Property and casualty, employee benefits, personal coverages, and specialty domains including aviation, yachts, and classic cars are also supported.

Insurance and risk management solutions for financial institutions use advanced analytics to deliver personalized programs for banks, hedge funds, Fintech companies, and other financial institutions with decades of professional consulting and brokerage experience. Comprehensive industry-focused products are designed to meet the specialized needs of consumer financial services, community banks and non-bank lenders, insurance companies, registered investment advisors, mutual funds, hedge funds, private equity firms, fintech firms, and other non-traditional financial entities. Core coverages include D&O insurance protecting directors and officers from wrongful acts, fiduciary liability protecting trustees and plan administrators, employment practices liability, crime policies, and cyber insurance. Solutions address the top risks regularly identified by directors and officers — cyber attacks, data loss, regulatory risk, and employment claims — and include specialized programs for SPACs, collection services, and asset managers.

Specialized insurance coverage for unique fine art collections is designed by fine art specialists to safeguard the irreplaceable, developing bespoke insurance and risk management solutions for art-related transactions and risks. Coverage is tailored holistically for individual artists, private collectors, foundations, galleries, museums, art storage, packing/shipping, conservation, transportation, appraisal, and other fine art disciplines — always with client objectives in mind. The art community chooses this practice for true independence in advocating and negotiating insurance terms, deep-rooted art and art history knowledge enabling communication in industry language rather than insurance jargon, and decades of experience with the complex needs of the fine art world. Services include loan and consignment agreement review, hazard prevention plan development, policy consolidation, and innovative solutions for art-adjacent risks including facilities, employees, patrons, events, property, general liability, workers' compensation, cyber, D&O, and employee benefits.

Comprehensive insurance solutions for the healthcare industry are delivered through a national healthcare practice that operates as one cohesive team, collaborating seamlessly with customers across the entire healthcare spectrum — including hospitals, health plans, senior living organizations, physicians, accident and health insurers, and more. Risk is assessed holistically with comprehensive solutions developed across all areas of business operations, including finance, risk management, human resources, and healthcare contracting. Solutions include property and casualty insurance and reinsurance for professional liability for hospitals and health systems, stop loss insurance and reinsurance with detailed analytics and hands-on claims management, comprehensive support for value-based care organizations, full-range employee benefit services including healthcare-specific employer stop loss, and captive solutions spanning feasibility, implementation, reinsurance placement, and ongoing management. Being integrated enables enhanced value delivery and more effective leveraging of customers' purchasing power and risk financing programs.

Risk management solutions for the hospitality and gaming industry help all types of dining, lodging, and recreational businesses — from large, complex hospitality chains to single-establishment proprietors — take control of insurance outcomes and protect their businesses. Specialists consult on insurance types, assess risk profiles, review liquor liability coverage options, and work with every major insurer to locate the most cost-efficient combination of coverages for restaurants, bars, hotels, motels, resorts, golf courses, country clubs, casinos, and gaming operations. Many hospitality specialists have personal backgrounds in the industry and channel that experience into delivering beyond standard insurance placement. Services include on-site property walks to identify drainage, roofing, and safety issues; guidance on hiring practices, safety training, and return-to-work programs; development of formal alcohol responsibility training programs; analysis of online presence through an underwriter's lens; and insurance due diligence support during site selection.

Custom logistics and transportation insurance programs for providers, carriers, and delivery services of various sizes address cargo loss, liability claims, regulatory fines, operational disruptions, and coverage gaps across the full supply chain. Programs serve freight forwarders, freight brokers, last mile and final mile delivery providers, trucking operations from single trucks to national fleets, intermodal transport operators, and passenger transport services including shuttle, limousine, and ride services. Specialized knowledge across modes of transport — trucking, intermodal, warehouse, and last-mile delivery — is paired with strong carrier relationships for hard-to-place or high-severity risks and compliance guidance for DOT FMCSA, CBP, and international trade regulations. Coverage solutions include auto liability and physical damage, cargo and transit risk insurance, general liability and umbrella, workers' compensation and occupational accident, pollution and warehouse liability, cyber, business interruption, and directors and officers insurance.

Comprehensive marine and yacht insurance solutions help safeguard vessels, yachts, and maritime operations, with a team of marine insurance professionals bringing extensive industry knowledge and deep commitment to serving both the marine industry and individual yacht owners. Custom insurance solutions and risk management programs are developed to provide comprehensive coverage and improved risk profiles without compromise across commercial marine operations and boat and yacht ownership. Commercial marine solutions cover aquaculture, cargo and transit, crew medical, hull and machinery, marine claims, marine construction, liability, ports and terminals, protection and indemnity, and recreational marine. Yacht insurance solutions include coverage for mega yachts, cruisers, one-design sailboats, and U.S. Sailing member programs. Unique needs require unique solutions, leveraging knowledge, scale, and market strength to guide clients through the buying process and offer insights that drive new and innovative coverage.

The nonprofit industry thrives on compassion and care but faces unique challenges requiring specialized attention — from financial pressures and regulatory requirements to technology, staffing, and cyber risks. Nonprofit organizations including charities, social service agencies, museums, foundations, homeless shelters, and group healthcare homes navigate a complex landscape, and having the right business insurance protection tailored to specific needs allows them to focus on what truly matters: improving lives. Specialists deliver tailored solutions across general liability, directors and officers (D&O), business auto, employee benefits, sexual abuse and molestation liability, professional liability, cyber insurance, and employment practices liability. Value-added services include claims, loss control and risk management support, access to more carriers and competitive pricing, and the exclusive RAAMP it Up! abuse prevention program, developed through Praesidium's Certified Praesidium Guardian program, to evaluate and strengthen existing safety measures protecting vulnerable populations.

Private Equity, Mergers & Acquisitions, Risk Solutions (PEMARS) creates value across the private equity investment lifecycle for private equity funds, family offices, and strategic acquirers facing the costs and complexities of investment deals and high-stakes M&A activity. The team focuses exclusively on strategic sponsors, private equity, and the alternative asset community, representing hundreds of private equity firms and thousands of portfolio companies with a combination of large-firm resources and boutique-firm service. Specializations include pre-transactional and pre-acquisition insurance due diligence, representations and warranties insurance, tax indemnity and tax credit insurance, litigation buyout insurance, contingent liability insurance, loss portfolio transfer, management liability programs, IPO/SPAC coverage, general partnership liability with proprietary manuscript wording, captive solutions, property and casualty, cyber liability placement and security assessment consulting, and in-house advanced loss control, claims advocacy, and litigation management services.

Advisory support for public sector decision makers addresses the complex task of managing employee benefits and risks for public entities operating under public scrutiny, bid processes, collective bargaining units, and legislative frameworks. Deep understanding of non-ERISA plans, consortiums, trusts, unions, and insurance committees enables innovative strategies that support risk and financial goals for municipalities, government agencies, and public servants. Extensive market knowledge and risk management program services leverage scale and market strength to guide clients through the procurement process, offering insights that drive new and innovative solutions. Gowrie Claims Services provides specialized handling of injuries-on-duty (IODs) to municipal firefighters and police officers in Massachusetts and Rhode Island, with experienced teams providing eligibility review, document collection, medical fee negotiation, and online claim tracking capabilities.

Innovative and data-driven insurance solutions for real estate portfolios offer specialists and resources for each asset type — office, retail, industrial, hospitality, multifamily, community associations, student housing, and others — collaborating as an outsourced risk manager and insurance advisor. The approach leads with data before each renewal and real estate transaction, utilizing exposure analysis and CAT modeling, Power BI heat mapping of total insurable values, and building valuation to identify geographic vulnerabilities and inform program structure. Strategic risk guidance throughout the real estate lifecycle includes document reviews of governing documents, joint venture agreements, and tenant leases; acquisition due diligence; narrative development for underwriters emphasizing proactive risk mitigation; pre-underwriting analysis through an underwriting lens; and claims consulting for complex claim resolution. Access to all major carriers and dozens of regional and specialty markets, backed by significant premium volume, provides leverage to negotiate persuasively on clients' behalf.

Technology and data center insurance solutions are built for the realities of technology operations and data center environments, where a single outage, cyberattack, or compliance failure can result in significant downtime, contractual penalties, and reputational harm. Specialists work closely with organizations to understand their systems, facilities, power strategies, and growth objectives, designing programs that align coverage with how the business actually operates — including construction and expansion risks and behind-the-meter power strategies. Coverage solutions include Owner Controlled Insurance Programs, builders risk with delay in completion, customized business interruption and contingent business interruption, property and equipment breakdown, cyber liability, technology errors and omissions, network security and privacy, incident response and forensic expense, parametric outage solutions for rapid payouts on short-duration power interruptions, and OEM warranty strategies to backstop the performance of critical equipment. Operational continuity, cybersecurity threats, regulatory compliance, and high-value equipment represent key coverage drivers.

Comprehensive insurance and risk management solutions for tribal governments and enterprises honor tribal autonomy while helping protect what matters most across gaming, healthcare, housing, hospitality, and other operations. The Tribal Nation team is one of the largest writers of tribes in the nation, understanding the nuances of tribal sovereignty and governance, and delivers personalized programs using advanced analytics to reduce total cost of risk and address large claims. Programs are built on the principles of sovereignty, self-determination, and self-governance, covering Federal Tort Claims Act (FTCA), Tribal Controlled Insurance Programs (TCIP), tribal officials errors and omissions, tribal workers' benefit/workers' compensation, property, liability, crime, law enforcement, international coverage, tribal employee benefits, and bonds. The team serves tribal governments, healthcare systems, gaming and casinos, housing authorities, retail and hospitality, construction and technology operations, and federal contractors.

Tailored insurance for wineries, vineyards, and wine businesses addresses the unpredictable future facing the wine industry — including climate change, wildfire, extreme weather, regulatory hurdles, economic fluctuations, tariffs, and evolving consumer preferences. With over 30 years of wine industry experience, customized winery insurance programs are developed for wine producers and growers of various sizes, from boutique vineyards to large-scale estates, leveraging advanced analytics and strong carrier partnerships. Coverage options include property insurance for buildings, equipment, and stock; wine spoilage and leakage protection; equipment breakdown; liability coverage for tastings and special events; business interruption and supply chain protection; workers' compensation and employee benefits; commercial auto; and cyber liability. Programs are focused on two primary areas: personal lines coverage for estate-based winery owners insuring wildfire, environmental exposures, and tasting room liability; and hospitality-focused protection for tasting rooms, restaurants, and event venues involving alcohol service and high-value asset management.

Actuarial consulting covering captive and self-funded programs, employee benefits, property and casualty, reinsurance, and stop-loss to help organizations quantify and manage financial risk. Services span multiple risk domains including employee benefits design, captive insurance program structuring, and reinsurance advisory to enable informed financial risk management decisions.

Objective, high-touch consulting and state-of-the-art analytics to help organizations optimize their health and welfare benefit strategies. Delivers strategic guidance on benefit plan design, cost management, and employee value optimization supported by advanced analytics and benchmarking insights.

Independent audit services by seasoned health claim adjudication professionals covering employer benefit and claims audits, stop-loss services, and reviews of plan documents and policies. Provides assurance and compliance validation of health benefit claims processing and plan documentation to ensure regulatory and contractual adherence.

Consulting services supporting organizations through M&A transactions, helping assess risk, evaluate benefits programs, and support informed decision-making during transitions. Provides due diligence on employee benefit programs and compensation structures, enabling buyers and sellers to understand liabilities, plan design gaps, and integration considerations during M&A activity.

Specialized pharmacy consulting providing transparency, clinical accountability, and strategic guidance to help plan sponsors understand and manage pharmacy benefit costs. Delivers targeted analytics and actionable recommendations on pharmaceutical spending optimization, clinical effectiveness, and cost containment strategies within health benefit programs.

Consulting services helping organizations design, evaluate, and optimize retirement benefit programs for plan sponsors and their participants. Provides comprehensive advisory on retirement plan architecture, compliance, funding strategies, and participant outcomes to support long-term retirement security and organizational cost management.

Structures captive insurance and alternative risk financing programs, giving businesses greater control over risk retention and financing outside the traditional insurance market.

Covers workers' compensation, general and product liability, automobile and excess liability, and product recall, supported by casualty analytics, claims advocacy, and alternative risk financing solutions tailored to each client's operations and exposures.

Provides financial protection against internet-based threats and data breaches, covering first-party breach/event costs and third-party liability, backed by quantitative risk modeling and dedicated cyber claims advocacy.

Delivers training, insurance, and F&I product solutions for automotive, RV, marine, and powersports dealerships, including compliance education, profit participation programs, and the AI-powered SIM365 learning platform.

Comprehensive employee benefits programs spanning administration and technology, compliance support, HR/finance data analytics, population health, pharmacy benefits, voluntary benefits, Medicare solutions, and employer stop loss.

Addresses pollution legal liability, remediation cost cap and liability transfer, secured creditor protection for lenders, and environmental coverage for real estate development.

Protects directors, officers, and management from wrongful act claims through D&O, EPLI, fiduciary liability, and related executive risk coverages.

Offers wealth, retirement, and tax planning solutions for individuals and businesses, including retirement plan services and a full suite of business and individual retirement and wealth solutions.

Coordinates global insurance programs to address liability exposures for organizations operating across multiple countries and regulatory jurisdictions.

Provides individual and family insurance coverage spanning home, auto, and other personal risk categories.

Delivers property insurance and risk management with risk mapping, natural catastrophe modeling, and broad global retail/wholesale market access to design coverage programs that address gaps in existing placements.

Delivers claims advocacy, safety and loss control audits, and risk mapping/analytics to reduce total cost of risk and support business continuity and disaster recovery.