Casualty Division

As a wholesale broker with access to over 30 primary and excess Casualty markets, Trilogy's Casualty Division provides our retail agents with the industry expertise and market knowledge needed to provide you with a comprehensive and competitive solution to your casualty needs. We specialize in a broad industry range including: Construction, Manufacturing / Distribution, Hospitality, and Real Estate / OL&T.

We specialize in the placement of:

  • General Liability
  • Umbrella Liability
  • Excess Liability (including Excess GL, Auto, Employers Liability and Workers Comp).
  • Products Liability
  • Environmental Liability
  • Liquor Liability
  • Discontinued Products/Operations Liability
  • Product Recall


Primary Programs: From first-dollar and small deductible programs, to large SIR programs, our Casualty Brokers have the experience and expertise to structure a Primary Casualty insurance program to fit the needs of your most challenging accounts.

Umbrella/Excess Programs: Trilogy's Casualty Brokers have the ability to structure stand-alone or supported Excess/Umbrella programs for virtually any risk of any size. And with access to over 30 markets, we can provide as much capacity as you need; from a $1mm Excess Auto on a small trucking operation, to a lead $10mm Umbrella on a contractor, to a $250,000,000 Excess Liability Program on an international mfg operation. We have the knowledge and the experience to handle the quick turnaround needs of a middle-market account, or the comprehensive coverage needs of your most complex account.

Specialty Programs (Primary and Excess): With our strong underwriting relationships, Trilogy's Casualty Division can also assist you with more specialized lines of business including - Environmental Liability, Discontinued Products Liability, Discontinued Operations, Product Recall and Liquor Liability.

Please contact us today and let us provide a quick, competitive, comprehensive solution to your most challenging accounts!

  • Construction

    As one of our largest industry classes, Construction risks are a specialty of our Casualty Division. We represent a vast array of specialty markets with a broad appetite for contractors in all areas of construction. With our market knowledge and experience, we can assist you in the placement of General Liability and/or Excess...

    ... Liability/Umbrellas for virtually any type of contractor. Utilizing our industry knowledge, experience and underwriting relationships, we have the ability to structure competitive Annual Practice policies, Project Specific policies, or Wrap-Up Programs with virtually unlimited capacity.

    Below is just a sampling of some of the typical Construction Risks that we write for both COMMERCIAL AND RESIDENTIAL Risks:

    • General Contractors (Both Commercial and Residential)
    • Electrical
    • Plumbing
    • Roofers
    • Steel Erection and Fabrication
    • Alarms (Fire, Smoke, Safety)
    • Fire suppression/Fire Sprinkler
    • Millwright
    • Industrial
    • Grading and Excavation (including Street & Road)
    • Bridge Contractors
    • Scaffolding
    • Blasting
    • Demolition
    • Pile Driving
    • Debris Hauling
    • Janitorial
    • Utility Contractors (Gas/Water/Sewer/Electrical)
    • EIFS / Stucco
    • Painting (Exterior and Interior)
    • Boiler and Pressure Vessel
    • Oil & Gas (All Types)
    • Drilling
    • Drywall/Wallboard
    • Swimming Pool / Spa



  • Manufacturing and Distributing

    Manufacturing and Distributing comprises a large portion of our Casualty book of business. Our Brokers specialize in the placement of full CGL coverage, Products Liability, Discontinued Products, and Products-Recall coverage for any and all types of manufacturers and distributors. We can also place standalone Excess....

    ... Liability/Umbrella Liability as well. Our carriers have both Occurrence Form and Claims-Made form capabilities. And we can work with you to structure large Self Insured Retention programs for your larger risk management accounts. Or small deductible programs for your middle-market sized accounts.

    Below are just a few examples of the types of products that we typically place for both manufacturers and/or distributors:

    • Overhead Cranes Mfg/ Gantry Cranes
    • Ladders/steps stools / scaffolding
    • Material Handling Equipment
    • Truck and Bus Body Assembly
    • Tank and Boiler Mfg (Above-ground and below / Pressurized and non-pressurized)
    • Trailer Mfg (Semi, utility, flatbed, etc)
    • Elevator and Escalator (mfg/repair/service)
    • Steel (structural and non-structural)
    • Industrial Machinery (All Types)
    • Auto Parts (Critical and non-critical)
    • Crane Rental (with and without operators)
    • Heavy Equipment Dealers
    • Building Materials
    • Precision Machine Shops
    • Medical Equipment (invasive and non-invasive)
    • Concrete/Cement/Redi-mix
    • Consumer Products (All Types)
    • Recreational Equipment (All Types) – motorized and non-motorized


  • Hospitality and Real Estate

    Hospitality and Real Estate accounts have always been a significant part of our Casualty business. This is especially true on real estate accounts when we are quoting in conjunction with our Property Department. We can structure competitive and comprehensive programs for GL, Excess/Umbrella, and Liquor Liability...

    ... either on an all-lines Casualty basis or on a stand-alone basis, (including mono-line Liquor Liability). We also have the ability to provide low-deductible programs or large SIR programs as well

    Below are just a few examples of the types of risks that we have recently placed in the area of Hospitality and Real Estate:

    • Apartments: Single locations and large schedules. Subsidized, student housing, elderly)
    • Hotels and Motels
    • Amusement parks and Water Parks
    • Restaurants
    • Nightclubs
    • Gentlemen's Clubs
    • Bars/Taverns
    • Marinas
    • Resorts and Casinos
    • Country Clubs and Golf Courses
    • Large Venues / arenas / concert halls
    • Vacant Buildings
    • Vacant Land and Real Estate Development Property


  • Environmental

    Environmental Liability is one of the fastest growing segments of our Casualty Division. In today's "green" environment, this is a line of business that has become much more prevalent than in years past. And through us you have access to over 20 different Environmental Markets representing a very...

    ... diverse appetite and broad range of coverage. We can offer Contractors Pollution Liability (CPL), Site Pollution, Transportation, Products/Pollution and many other coverage including Professional Liability and Auto Liability for true "Environmental" Contractors

    Examples of some of our recent successes would include:

    Site Pollution for:

    • Landfills
    • Mfg Facilities
    • Pulp and Paper Mills
    • Shopping Centers (with dry cleaning operations)
    • Apartments (including Mold)
    • Chemical Plants
    • Above Ground and Below Ground Storage Tanks.
    • Golf Courses (pesticides and herbicides)


    Contractors Pollution Liability:

    • Street & Road Contractor (asphalt / water runoff exposures)
    • Oil & Gas contractors
    • General Contractors
    • Roofers (including mold)
    • Landscapers and ground maintenance
    • All sorts of contractors with any exposure to storage or use of fuels, chemicals, lubricants, solvents, gases, etc.


    True "Environmental" Contractors:

    • Mold Abatement
    • Asbestos Abatement
    • Lead Abatement
    • Soil Remediation
    • Emergency Response / Spill Clean up
    • Tank and Pipe Cleaning
    • Liquid Waste Remediation
    • Analytical Lab Analysis
    • Environmental Compliance
    • Remedial Investigation
    • Hazardous Materials Consulting
    • Industrial Hygiene
    • Underground Storage Tank Testing and/or Removal


    Products Pollution:

    • Storage Tank Mfg
    • Valve and Pipe Mfg
    • Pressure Vessel Mfg