Coverages

Active Shooter/Workplace Violence

With workplace violence and active shooter incidents on the rise, companies need comprehensive coverage and employee training. The BHS team can help with both to protect and prepare your organization.

Bonding

Our BHS business specialists can help your company choose from an array of surety and fidelity bonds to meet the unique needs of your business. We help a diverse range of industries, including notaries, individuals operating in a fiduciary capacity, public officials, and contractors as well as public and private companies.

Builders Risk

Builder’s risk insurance is the backbone of risk management for the construction trades. The BHS team of specialists will help you source this complex coverage to protect your projects.

Captive Insurance

Captive insurance can provide many benefits to companies suited to self-funding. We help create flexible risk management plans that reduce operating costs, give you greater control over claims, and are tailored to meet your needs. With funding and underwriting flexibility pllus access to the reinsurance market, our specialists will work with you to create price-stable solutions.

Commercial Auto

The BHS team will help your company find the right commercial auto policy to cover your fleet at competitive rates, including auto liability, collision, medical, uninsured and comprehensive. We know that one size does not fit all and will help you select the right coverage for your unique circumstances.

Credit Insurance

Whether your firm needs to cover A/R or seeks export credit insurance to expand your market worldwide, the BHS team of credit insurance specialists are here to help. Trade credit insurance does more than mitigate your nonpayment risks. It can help you win more business through offering competitive terms and will make your company's receivables more attractive to lenders.

Crime / Fiduciary

Crime insurance protects organizations from losses due to either employee dishonesty or third-party fraud. Fiduciary claims may result even if there was no intent of fraud. Anyone involved in the management of a retirement or health plan can be held personally liable if they violate ERISA or fail to act in the best interest of plan members. The BHS team of specialists can help you design a coverage plan to protect your business and employees from these types of claims. Typically, fiduciary liability insurance covers legal costs to defend against claims of errors and a breach of fiduciary duty. Talk to a BHS specialist to evaluate this important element of risk management, that while not required by ERISA, is essential in today's benefit-rich marketplace.

Cyber Liability / Data Breach

Data breaches are on the rise, and not just for large corporations. Whether your organization is a start-up, a non-profit or a multinational, the right insurance can keep your company operational in the face of a cyber attack. Our BHS specialists will help you find the right coverage to mitigate the risk of a data breach with a plan that suits the scope and scale of your business.

Environmental Liability

Environmental Liability Insurance is complex and may cover a wide range of risks, from biological to site pollution. Environmental liabilities can have bottom-line impacts on businesses small and large. Our team of environmental specialists will help you find the right products and risk management services to prevent coverage gaps on standard commercial general liability programs.

Equipment Breakdown

When it comes to the equipment you need to run your business, small problems can lead to huge losses. The BHS team of specialists will help you find comprehensive equipment breakdown coverage on either a monoline or package basis to keep your business operating. Policy coverage can be crafted for a broad spectrum of market segments with flexible terms and conditions.

Errors & Omissions

Professional service firms are constantly at risk of being sued over the services they perform or information they disseminate. Even if the lawsuit is without merit, defense costs and the impact on reputation can be costly. The BHS team will help you find the right E&O solution to provide the protection your company needs in today’s business climate. General E&O or a wide range of specialist professional coverages are available, including coverage for both public and private entities.

Executive Liability (D&O/EPL)

Directors & Officers Liability Insurance is designed to protect directors, officers, and board members against personal liability. These can include claims from regulators, shareholders, and employees for employment practices liability as well as employment-related personal liability claims such as errors in judgement, negligent supervision, hiring / firing practices, conflicts of interest, or unauthorized payments. The BHS team will help you navigate your executive liability options to suit your exact requirements.

Fine Art

At BHS, our fine art specialists understand the value of collections in every medium. We can help you source comprehensive coverage that includes risks such as accidental breakage, burglary, fire, flood, theft, travel, storage and exhibitions. Talk to us to find out your best coverage options for your unique collection.

General Liability

At BHS, we know that keeping your company healthy means protecting it against a wide range of risks. Our specialists will help you develop a general liability insurance program that includes a blend of traditional insurance and alternative risk financing mechanisms to help manage you company’s liability risk. Domestic and global extensions are available. Plan design can cover against today’s risks but also against future and retroactive claims. We’ll help you fill in the gaps.

International

The BHS team understands that overseas travel for business creates risks that domestic policies may not fully insure. We'll help design a multinational coverage plan to protect your business and your employees from every international peril, including Kidnap & Ransom insurance and Travel Medical coverage. Our team can also develop a coverage plan to include multinational operations. We'll work closely with you to determine the exact coverage your business needs based on your location, industry, and assets. Coverages may include property, business interruptions, political, earthquake and flood, voluntary workers compensation and more.

Motor Truck Cargo Goods of Others

From warehouse damage to piracy and hijacking, assets in transit or storage introduce exposures that can negatively impact critical business operations. The BHS team can help you find the right coverage to insulate your company against loss of assets through domestic or international transit and cargo insurance.

Product Recall

Product recalls can be time consuming, costly, and damaging to you business. Whether your company manufactures component parts, consumable products, or general consumer goods, the specialists at BHS will help you find the right type of product recall insurance to protect your business. Product recall coverage can also include business interruption and brand rehabilitation expenses.

Professional Liability

The BHS team knows that lawsuits and settlements are expensive and time-consuming. Professional Liability insurance protects your organization from claims of errors & omission, negligence, or failure to deliver work under a contract. Your organization can be covered up to your specified limit for the cost of legal defense, court costs, and any resulting judgments anywhere in the world. Our team can also help you source profession-specific liability coverage for professions such as lawyers, media, financial consultants, and more.

Property

Whether your company is domestic or international, the BHS team will help you source the best protection for your business property. We'll help you find the most flexible, modular program to cover your business assets, including broad all-risks coverage to specialty coverage and business income protection. We'll help design a plan that includes risk engineering and loss control services.

Special Event

Special event liability insurance covers short-term private and public events against bodily injury and property damage claims. Many venues require event organizers to carry liability insurance to help pay for medical expenses if a guest is injured and protect venue property from damage, including the building(s) and any equipment. The BHS team will help you find just the right coverage for your next event.

Umbrella / Excess Liability

The BHS team helps companies of every size across many industries find the right umbrella and excess liability insurance solution. Our specialists will help design innovative coverage options for your organization's unique exposures, whether in construction, energy, real estate or other fields.

Workers Compensation

The BHS Worker's Compensation specialists can work with you to provide specialized coverage for your business regardless of industry and size. For companies that self-insure their predictable losses, yet need coverage for catastrophic exposures, we can also help you find excess coverage. We'll help you improve safety, minimize costs and enhance employee care, morale and productivity.