Casualty Insurance

Casualty Insurance, also referred to as Liability Insurance, protects a business owner against claims resulting in bodily injury, property damage and personal & advertising injury. It also includes Workers’ Compensation.  Casualty insurance includes costs to defend against a lawsuit.  Types of Casualty Insurance include:

  • Workers’ Compensation
  • General Liability
  • Automobile Liability and Physical Damage
  • Umbrella Excess Liability
  • Directors & Officers Liability
  • Professional Liability
  • Employment Practices Liability

How DSP Can Help

  • Risk Analysis – annually to evaluate:
    • Changes in payrolls, sales and vehicle schedules
    • Operational or management changes
    • Recent losses
  • Market Evaluation of contracted carriers and specialty carriers capable of handling the required coverages and exposures.
  • Risk Management Plan development to tailor coverage and forms to meet client workers’ compensation, fleet and liability needs.
  • Safety Initiatives provided by our in-house safety engineer to include job hazard analysis, job-site training and vehicle observations.
  • Contract Review specialists make sure the insurance program appropriately covers and adheres to construction and operational contracts.
  • Claims Management specialists assist clients with reporting, managing and recovering after a loss to control client costs.
  • Renewal Risk Analysis 90 to 120 days prior to renewal we meet with clients to begin a new risk analysis.