Connect the program
Align insured entities, locations, limits and policy periods across the group.
Middle Market
Middle-market insurance.
We review insurance across your entities and locations, including the changes that come with acquisitions, growth and refinancing.
Talk to our team →
What we look at.
Understand the risk you retain
Evaluate deductibles, loss-sensitive options and collateral alongside premium and claims costs.
Support the next transaction
Bring insurance into acquisitions, refinancing and cross-border expansion before closing.
Program Consolidation
Map policies, entities and renewal dates before deciding whether consolidation improves oversight or market options.
Named Insured Structure
Review insured definitions and schedules against the legal structure. Automatic subsidiary or acquisition provisions, where present, have conditions and deadlines.
Umbrella and Excess Review
Compare attachment points, underlying policy schedules and exclusions across each layer.
Loss-Sensitive Plan Design
Model large-deductible or other loss-sensitive options against fixed-cost insurance, including adverse loss experience and funding requirements.
Total Cost of Risk
Compare premiums, retained losses, operating expenses and the cost of tied-up capital without double-counting collateral as a loss.
Acquisition and Growth Support
Review policy continuity, change-of-control provisions, prior acts and required placements during transaction diligence.
Captive Feasibility Screening
Test data quality, financial capacity, scale and governance before committing to formal feasibility work.
Core Lines, Coordinated
Coordinate property, liability, auto, workers compensation, cyber and management lines against the organization's dependencies.
What to bring to a review
Begin with an entity chart, location schedules, policies, loss runs and the changes ahead.
Questions & answers
Good questions to ask.
Does every entity have to be individually scheduled?
It depends on the policy's insured definition and any automatic subsidiary or acquisition provisions. Check the full legal structure, reporting requirements and exclusions rather than assuming an entity is covered or excluded.
Is using more than one broker necessarily a problem?
No. What matters is coordinated oversight and clear responsibility for policy interfaces. Map the program before deciding whether consolidation would improve it.
When should insurance enter acquisition diligence?
Early enough to evaluate loss history, policy continuity, change-of-control provisions, prior acts and day-one obligations. The right placement and timing depend on the transaction; do not assume the target's policies transfer unchanged.
From our journal
Related articles.
Let's talk about your insurance.
Tell us about your business and what you need.