Property
Buildings, business personal property and business interruption considerations. Review valuation, covered causes of loss, deductibles, waiting periods and location-specific catastrophe exposures.
Property & Casualty
See the exposures.
Question the gaps.
A commercial insurance review starts with your operations, assets and contractual responsibilities. The aim is to understand where a program fits—and where further analysis is needed.
Areas for review
The business behind
the insurance program.
General liability
Third-party bodily injury, property damage and other defined liability exposures. Review operations, contractual requirements, insured status and exclusions.
Workers’ compensation
Workplace injury obligations, applicable state requirements and employers liability. Consider classifications, payroll, loss experience and return-to-work practices.
Commercial auto
Owned, hired and non-owned vehicle exposures, driver practices and policy-specific liability and physical damage terms.
Umbrella & excess
The relationship between primary policies and additional layers. Review attachment points, underlying limits, exclusions and whether terms align across the program.
Environmental
Potential pollution liabilities associated with operations or locations. Applicability depends on the exposure, policy wording, exclusions and any specialized coverage arranged.
Bring the structure into focus.
A useful review considers limits, retentions, exclusions, valuations, contracts and changes in operations together. Coverage depends on actual policy language, underwriting and applicable law; listing an exposure here is not a promise of coverage.
Let’s talk
What’s on your mind?
Start with the question you’re trying to answer.
mkravitz@sterlingrisk.com ↗Connect with Marc on LinkedIn ↗
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