Casualty Coverage

Don’t let the unexpected keep you up at night

Uncertainty is certain in business. Casualty coverage protects you from unforeseen events so you can focus on building your business without the worry of financial loss from insurable risks. With deep expertise in more than 20 industry verticals, Alera Group customizes the coverages you need to protect your business — and your bottom line. 

Customized coverage for complex risk

You want solutions that fit your business. Our experts in complex risk work with you to understand your specific exposures and tailor solutions that fit your risks and budget constraints. 

 

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Business Auto

Safeguard your business vehicles and drivers while protecting your bottom line from the financial impact of physical damage and liability resulting from auto accidents. Your Business Auto policy can be customized to include Medical Payments, Uninsured Motorist, Hired Auto, Non-Owned coverages and more.

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Environmental Liability

If you own property or are a manufacturing firm or construction company, you’re at risk for environmental liabilities. Alera Group can help with a range of tailored solutions, including site-specific coverage, Contractor's Pollution Legal Liability Insurance and more, to ensure your long-term sustainability.

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Excess Liability

Certain industries are more susceptible to high-stakes legal actions. Extend your general liability coverage limits beyond your primary policies to handle significant claims. Excess Liability reduces exposure to unexpected financial burdens and preserves your company's stability.

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General Liability

Shield your business from a wide range of liability claims, including damages to individuals arising from your premises, general operations (ongoing and after completion) and products manufactured or sold. General Liability Insurance is a fundamental necessity to protect your company against costly legal disputes.

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Product Liability

Ensure the safety of your customers and the longevity of your brand with Product Liability Insurance, guarding your business against the financial repercussions of product-related injuries or damages. Related endorsements, such as Product Recall Insurance, can be added to meet your business’s unique needs and circumstances. 

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Umbrella Liability

Commercial Umbrella Insurance provides an extra layer of liability protection by covering costs that exceed your other liability coverage limits. This critical defense ensures that even the largest and most complex claims are covered.

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Workers' Compensation

Prioritize your workforce's wellbeing and safeguard your business's financial stability with Workers' Compensation Insurance. This essential coverage ensures that injured employees receive the medical care and financial benefits they need to recover from on-the-job injuries and illnesses, fostering employee loyalty and regulatory compliance.

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EXPERT EDUCATION

Events and Webinars

Property and Casualty

2024 P&C Symposium

Join us as we bring together top experts to cover key risk management topics, summarize economic and personal risk market conditions and hear recommendations for strategically engaging with carrier partners.

May 1, 2024 at 08:30 am CT | Deerfield IL

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P&C Symposium

THOUGHT LEADERSHIP

Insights

Property and Casualty

Slower bookings, insurance challenges make for a tough year in hospitality

A combination of slowed bookings and a volatile insurance market is likely to make this a challenging year for the hospitality industry. After a two-year surge following the COVID-19 lockdowns — industry insiders refer to it as “revenge travel” — the sector anticipates more modest growth in demand throughout the remainder of 2024.

April 2, 2024

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Property and Casualty

Environmental Liability Insurance: Stable market for a growing need

Despite stricter regulations and increased penalties for environmental contamination, market conditions remain stable for Environmental Liability Insurance —  an outlier in a mostly hard market for property and casualty coverage. As Alera Group’s "2024 Property and Casualty Market Outlook" reports, now is an excellent time to secure this valuable coverage, especially if your organization owns property that is or may be contaminated. 

March 20, 2024

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Property and Casualty

An Innovative Approach to Commercial and Personal Insurance

Alera Group has released its widely anticipated 2024 Property and Casualty Market Outlook. Executive VP/National Property and Casualty Practice Leader Mark Englert provides an introduction, with insight into why this is such a valuable publication for insurance consumers.

December 18, 2023

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Property and Casualty

The Role of Risk Management in Public Sector Insurance

Public sector organizations increasingly find themselves in an environment of shrinking budgets, staffing shortages, growing hostility and rising inflation.

May 31, 2022

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