Insurance Coverage Advisory

Part of Biscayne Risk & Insurance Group’s strategy of managing insurance costs is coverage analysis and negotiation. After a business assessment, we gain an understanding of your operations, and are able to advise you on coverages most applicable to your business. Following our discussion, we will begin our negotiations with our carrier partners. Due to our experience, strong relationships, and respect in the marketplace, we are able to obtain the most appropriate terms for our clients. We will provide you with coverage options and associated costs so you can make an educated business decision about how to manage your company’s risk.

Types of Insurance Coverage

Property & Casualty

  • Property

    Insures against damage to buildings, contents, and loss of income

  • General Liability

    Issued to business organizations to protect them against liability claims for bodily injury (BI) and property damage (PD)

  • Workers Compensation

    System by which no-fault statutory benefits are provided to an employee due to a job-related injury

  • Business Auto

    Includes auto liability and auto physical damage coverages

  • Umbrella Liability

    Designed to provide protection against catastrophic losses. Generally is written over various primary liability policies

  • Flood

    Coverage for damage to property caused by flood.


  • Ocean Cargo

    Inland or ocean marine insurance covering property in transit

  • Inland Marine

    Insurance for property in transit over land

  • Jewelers Block

    Designed to provide coverage for loss of or damage to jewelry that is the stock of jewelry retailers, wholesalers, and manufacturers

  • Fine Art

    property insurance for works of art, typically written on a valued basis


  • Builders Risk

    Policy that is designed to cover property in the course of construction

  • Owners Contractors Protective (OCP)

    Liability policy that covers the named insured’s liability caused, in whole or in part, by an independent contractor’s work for the insured

  • Controlled Insurance Program (OCIP/CCIP)

    A centralized insurance program under which one party procures insurance on behalf of all (or most) parties performing work on a construction project

Financial Products

  • Professional Liability

    Coverage designed to protect professionals against liability incurred as a result of errors and omissions

  • Directors & Officers

    Covers D&O for claims made against them resulting from managerial decisions that have adverse financial consequences.

  • Employment Practices Liability

    Insurance for wrongful acts arising from the employment process incl wrongful termination, discrimination, sexual harassment, and retaliation, among others

  • Crime

    Provides several different types of crime coverage, such as employee dishonesty, forgery or alteration, computer fraud, and funds transfer fraud

  • Cyber/Privacy Liability

    Covers a business’ liability for a data breach in which the firm’s customers’ or employees’ personal information is exposed or stolen

  • Trade Credit

    Coverage against insolvency of a customer, which provides protection against payment default on loan, interest, or scheduled payments


  • Marine Liabilities

    Liability policies for specific marine entities such as charterers, marina operators, ship repairers, stevedores, terminal operators and wharfingers

  • Hull & Machinery

    Marine insurance covering damage sustained to an insured vessel

  • Protection & Indemnity (P&I)

    Liability insurance for maritime liability risks associated with the operation of a vessel


  • Pollution Liability

    Covers costs associated with pollution clean-up, as well as liability claims for related injuries, illnesses or deaths.

  • Liquor Liability

    Coverage for bodily injury or property damage caused by an intoxicated person who was served liquor by the policyholder

  • International

    Package policy protecting employers’ foreign assets, employees, and liabilities

  • Special Events

    Package coverage for the sponsor of public or private events including property, liabilities, and cancellation

Biscayne Risk will obtain the best insurance terms for your business

Biscayne Risk & Insurance Group wants to help you manage your insurance program by understanding your operations, negotiating the best terms, and educating you on the pros and cons of each policy so you can make an informed decision.