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One of the most common risks faced by all organizations is financial loss caused by legal liability for injuries to persons or damage to the property of others. Having the right insurance policy in place can help an organization manage this risk. Often equated to liability insurance and one of the most important classes of coverage an organization can have, Casualty Insurance is liability coverage of an individual or organization for negligent acts or omissions.

Casualty Insurance represents the broad category of coverages available against loss of property, damage or other liabilities not directly concerned with life insurance, health insurance or property insurance.

Burns & Wilcox provides brokers and agents with access to causality specialists who can identify and assess the legal liability risks to your client’s business, home or car. As a leading provider of wholesale specialty insurance, Burns & Wilcox offers innovative casualty solutions for complex and hard-to-place risks.

Construction Wrap-Ups

Major construction projects bring together many different organizations to work to a common purpose—owners, contractors, sub-contractors, architects and engineers all pull together to take a project from concept to reality. While each organization will have its own insurance coverage, the overlapping policies can create confusion and potentially leave gaps in coverage.  Instead of trying to sort through multiple policies, many projects simply purchase Construction Wrap-Up insurance, which provides Comprehensive General Liability coverage which will protect the entire team for the duration of the project.

Burns & Wilcox can provide access to specialty insurance tailored to your clients’ commercial needs. Our experts can provide the appropriate policy that will cover everyone involved in the development of a project from beginning to end.


A traffic control contractor was recently found liable to pay $4 million after its employee struck a bicyclist while driving a pickup truck making rounds at a construction site. In another case, a restaurant chain agreed to pay $21 million to settle a lawsuit after one of its locations overserved alcohol to a man who later was involved in a fatal car crash.

Primary coverage can often be exhausted in catastrophic losses. It is imperative that your clients have additional protection to ensure that a single unusual circumstance does not lead to bankruptcy for their businesses.

Excess/Umbrella Coverage helps protect your clients’ assets should a disastrous loss occur. Contact Burns & Wilcox for competitive quotes and flexible coverage options.

General Liability

If a lawsuit is involved, defending and settling a general liability (GL) claim can average more than $75,000 per case. With 35 percent of GL claims resulting in a lawsuit, one incident could be disastrous for your clients.

Slip-and-falls are the most common GL claim, impacting 10 percent of small business owners in the past five years alone. Potential claims for personal and advertising injury, third party property damage and product liability also pose serious risks.

With access to exclusive markets and carriers and broad binding authority, Burns & Wilcox helps you provide your clients with General Liability Coverage that mitigates financial risks to these exposures. Burns & Wilcox also provides customizable packages to ensure your clients are properly covered.

Liquor Liability

When operating an establishment that serves alcohol to patrons, the business owner is liable not only for their own actions, but for the actions of those they serve. When someone who has been served alcohol becomes injured or damages property, almost all states allow claims to be made against the establishment that served the alcohol. It is important that your clients are financially protected in cases where patrons are accidentally over-served or an underage individual is served.

Burns & Wilcox offers access to Liquor Liability Insurance that is designed for responsible vendors with a formal third-party server awareness training program.


Owners & Contractors Protective (OCP)

A city recently paid $120,000 for cleanup of downtown businesses after they experienced sewer backup due to negligent work performed by the city’s contractor.

It is not uncommon for project owners to be held liable for injuries and damages arising from the work of their independent contractors. As the construction industry continues to flourish, with spending projected to exceed $1.4 trillion in 2021, ensure your clients have coverage that can act as an additional layer of protection in a lawsuit following negligent acts or omissions of an independent contractor.

Owners & Contractors Protective Coverage can protect your clients and their contractors during new projects, ground-up projects, renovations or build-out projects from beginning to end.


Premises Liability

For businesses, having a customer slip and fall can turn from an embarrassing mistake into a costly lawsuit in no time. Commercial operations with physical locations must ensure that their sites are safe for customers. However, no matter how much time or money is invested in prevention, accidents still happen and companies can be held accountable for staggering amounts of money to compensate the claim. Obtaining Premises Liability Coverage is an important first step in ensuring that the risk to the organization is limited.

Burns & Wilcox, a leading provider in wholesale insurance, can arrange for Premises Liability Coverage for your clients. Coupled with our extremely fast submission response time and low minimum premiums, Burns & Wilcox is one of the leading providers for wholesale insurance.



Primary and Excess Auto

A company may face financial liability in the event their company vehicle inflicts serious injury or property damage to others. If your client uses any type of vehicle, or operates a fleet of vehicles for professional purposes, Primary and Excess Auto Coverage can help protect your client’s business from the costs associated with lawsuits or repairs. It is important for your clients to understand and evaluate their current auto insurance policies and consider Excess Auto Coverage to ensure proper coverage.

Excess Auto Liability Coverage through Burns & Wilcox builds on basic auto policies by providing additional limits for bodily injury (BI) and property damage (PD) liability. As a leading supplier of excess and surplus insurance, Burns & Wilcox can connect you to coverage that can supplement your clients’ existing auto policies to limit their exposure to the costs of extensive auto repairs.


Product Recall

No matter how much money companies invest in research and development, operational oversight and product testing, mistakes can happen and unsafe products can be released to the public. Businesses often have to issue costly product recalls to ensure public safety and brand preservation. Obtaining Product Recall Coverage is an important first step in ensuring that the expenses associated with a product recall don’t end up destroying them causing critical harm to the business.

Burns & Wilcox can provide access to specialty insurance tailored to your clients’ commercial needs. Our experts can provide a policy that will make it easier for your client to do the right thing when product recall is required.


Products Liability

When your client manufactures, sells or designs products they are responsible for ensuring the product is safe to use. If the product malfunctions or has design flaw that results in bodily injury or property damage, the company can be held liable. Be sure your client has the proper coverage in place so they do not become strained by the hefty cost of litigation when accidents occur.

Products Liability Coverage accessible through Burns & Wilcox can be packaged to meet the needs of manufacturers, importers, designers, repackagers, sellers or distributors of a wide range of products. As a leading provider of specialty insurance, we have the ability to meet non-standard risks head-on and offer innovative terms to solve the policyholder’s insurance needs.


Coverage Details and Features

  • Comprehensive general liability coverage
  • General liability coverage
  • Product liability coverage
  • Owners and contractors protective coverage
  • Umbrella/Excess coverage
  • Railroad protective coverage

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