One agency for the risks around your life and business.

Personal and private-client insurance

Coordinate the property, vehicles, valuables, activities, and liability around your household through one advisory relationship.

• Primary, secondary, high-value, condo, and renters coverage
• Daily-driver, collector, classic, motorcycle, and recreational auto
• Personal umbrella and excess liability
• Fine art, jewelry, wine, instruments, and other collections
• Watercraft, yacht, and private-aviation interests
• Flood, earthquake, catastrophe, personal cyber, and identity solutions
• Domestic staff and complex household exposures

Commercial and business insurance

Build protection around the operation, balance sheet, people, property, vehicles, contracts, technology, and income that keep a business moving.

• Business owners policies and package coverage
• Commercial property, business income, and equipment breakdown
• General, product, professional, and excess liability
• Commercial auto, fleet, cargo, and inland marine
• Workers’ compensation and employer-related exposures
• Cyber, privacy, crime, and social-engineering risk
• Builders risk, surety, environmental, and catastrophe coverage

Management and employee protection

Help protect the people who lead an organization, the decisions they make, and the commitments made to employees.

• Directors and officers liability
• Employment practices liability
• Errors and omissions and professional liability
• Fiduciary and employee-benefits liability
• Executive risk and key-person considerations
• Group medical, dental, vision, disability, and related employee-benefit solutions where available

Specialty and complex risk

Use national, regional, specialty, excess-and-surplus, wholesale, and program relationships to pursue solutions for risks that do not fit a standard market.

• Real estate, construction, contractors, and course-of-construction
• Hospitality, restaurant, retail, and service businesses
• Transportation, aviation, marine, and property in transit
• Environmental, catastrophe, and difficult property exposures
• Mergers, acquisitions, international, political, and trade-related risk where available
• Alternative structures and specialized placements appropriate to the account

A claims-informed advisory process

Breadth matters, but a long product list is not a protection strategy. We identify material exposures, examine how policy terms may respond, compare carrier and structure tradeoffs, and help keep the information that may matter after a loss organized.

• Understand the exposure
• Mitigate the risk
• Examine the policy
• Compare carrier and market fit
• Support the claim
• Keep a human advisor and Claims Coaching within reach

Availability should be clear

Products, carriers, eligibility, market access, and service scope vary by state, risk, underwriting requirements, intermediary relationship, and applicable licensing. Litmus confirms what is available and the role it will play before an engagement or placement begins.