INDUSTRY PRACTICE GROUPS
Expert coverage for vertical industries’ special needs
Every business faces risks, and highly-specialized businesses need special expertise to reduce uncertainty. So we at The Hilb Group NE make your specialty our priority, and get to know the needs of vertical industries before we engage with clients. We’re fully prepared to offer traditional and non-traditional solutions that will reduce your risk and help ensure your success.
Programs for smooth sailing
You’re a vessel operator. Or you own a boatyard. You know the risks as well as the rewards. And you know you need a marine specialist to help you manage those risks – one who knows the business as well as you do. The professionals of Hilb’s Marine Practice Group speak your language. We’ve worked on the docks and for boat builders. We’ve maintained yachts and delivered them. We’ve worked as underwriters and claims adjustors. For decades now, we’ve translated this experience into successful insurance programs known from Newport to San Diego to St. Thomas. Take a closer look at the one that’s right for you.
Developed for marine-assistance towers and salvors, the Harbor-Tow package provides liability, diving, hull and machinery, and equipment coverage. Blending underwriting strength and marine expertise, it integrates general and marine liability coverage on one form – for one price.
HarborPro covers a wide array marine risks, including repair, dock building, yacht detailing or passenger-boat operation. Like HarborTow, it integrates general and marine liability coverage on one form – for one price.
Endorsed by the American Sailing Association, HarborGuard is designed for boating schools, clubs, and charter-boat fleets. HarborGuard offers Hull, P&I, and Business Liability. Charterers and Students are specifically included as Named Insureds, ensuring that they too are covered. The Marine Group also offers Loss of Charter income coverage, as well as premises, participant liability, and Jones Act coverage.
At The Hilb Group, we recognize that your time is valuable, so our applications are short, concise and entirely understandable. Compare our competition’s 40-page application with our three-pager. On second thought, don’t. When you’ve got a busy boatyard to run, there is no comparison.
Coverage built to ensure success
We know what it’s like. You’ve got tough customers to satisfy, performance deadlines to meet, new contracts to win – and little time to get it all done. Clearly, when it comes to your surety and insurance advisor, this is no time for on-the-job training. It’s time instead to consider working with the professionals at Hilb’s Construction Practice Group. Expect us to understand your business, because we do. We are immersed in the construction industry, we are deeply networked to offer you instant and continuous access to an uncommon knowledge base, and we’re surety specialists, proud of our carrier relationships and continually involved in the due diligence it takes to establish lines of credit on your behalf.
From sophisticated bonding solutions to advanced insurance strategies, from property and casualty coverage to employee benefits compliance expertise, we’re redefining superior risk management for a growing roster of clients.
Financial protection with understanding and experience
“You can’t be too careful.”
Seldom have truer words been spoken, particularly with respect to the risks run by financial institutions of every description. One false keystroke can rudely acquaint your institution with the limits of your privacy liability coverage. Another can instantly compromise data security. At The Hilb Group, we realize that leading banks, credit unions and insurance companies of all kinds face a unique set of risks. We’ve built our Financial Institutions practice to meet every one.
How do we succeed? First, last and always: we listen. The professionals at The Hilb Group take the time to thoroughly understand your organization, your vision, your opportunities and your risks. Thus equipped, we’re able to develop an insurance program as unique as your organization. From professional liability to harassment coverage, Hilb offers you unsurpassed protection in an environment where there is absolutely no room for error. What’s more, from property and casualty coverage to employee benefits compliance expertise, we’re redefining superior risk management for a growing roster of clients.
Our focus is customer satisfaction … just like yours
If there’s one word that warms the hearts of our many hospitality clients, it’s “proactive.” In your business, liability lurks around every corner, so we partner with you every step of the way to ensure that you’re as protected as you are profitable. We’re constantly communicating with you, offering you seminars on liquor liability and limiting your exposure to third-party discrimination. We survey your employment practices to ensure they’re best practices, and proactively manage your workers’ compensation risk through safety seminars. When the power goes out, we can limit your risk from spoilage. And when the system goes down, we can indemnify you against credit card processing breaches.
Thinking of everything is what we do best at The Hilb Group, and why our Hospitality practice was built to meet your every contingency. Your goal is to satisfy customers. That’s our goal, too.
Not-for-profit shouldn’t mean "not protected"
At The Hilb Group, we understand that not-for-profit organizations must maintain a laser focus on their constituents and their mission. Hilb’s professionals value the services you provide to our communities and make it our mission to help you achieve yours.
We know that housing authorities, nursing homes, home health agencies, mental health centers, assisted living facilities and similar organizations face a unique set of risks. That is why we’ve built our Non-Profit Practice Group to meet every contingency, from the complexities of contractual risk transfer to the everyday matters of making sure that your snow removal vendor is indemnifying your organization.
We’ve also successfully created an insurance program for charter schools, which pre-qualifies all schools with one insurance carrier. Among its more cost-effective features: Ensuring that existing legal counsel for all schools handles all claims.
Maximizing manufacturing opportunities by minimizing exposure
The world continues to shrink. Today, manufacturers of every size and description are taking advantage of this reality by sourcing, fabricating, assembling and shipping all over the planet. When your “territory” is this large, however, your risk is correspondingly outsized. Example: Depending upon where your product ends up, you may – or may not – be covered for product liability. Then there are supply-chain issues: When your supplier burns to the ground, are you indemnified against business interruption, including loss of profit? At The Hilb Group, we know that manufacturers of every size and description are increasingly global suppliers – whether they know it or not. In response, we’ve built our Manufacturing practice to meet your every contingency, both home and away.
From product liability to cargo coverage, Hilb offers you unsurpassed protection in every aspect of manufacturing.
Protecting professionals to safeguard your futures
You’re an architect. Or a lawyer. Or an advertising executive. You’re good at what you do, but what’s your exposure? Contractually speaking, what are your duties, and what are you responsible for? In an increasingly litigious age, you need a partner that understands the nuances of your industry before someone decides you’re professionally liable.
At Hilb, we know that architects, law firms, advertising agencies, real estate offices, temp agencies and similar organizations face a unique set of risks. Our Professional Services Group’ is capable of responding to every contingency, mitigating risks from day one and interceding on your behalf at a moment’s notice. Our in-depth understanding of errors and omissions coverage offers you un-surpassed protection when you need it most.
We take a proprietary interest in your properties
Suddenly, you’ve got a problem. Unknowingly, you’ve built on an environmentally compromised site. The liability is all yours, which means your project – and lending capabilities – are now severely threatened.
At The Hilb Group, we’re well aware of exposures like this one. We know that owners and developers face a unique set of risks, every hour of every day, and built our Real Estate Practice to manage them. Routinely managing multi-million dollar real estate schedules, our professionals insure apartment and condo complexes, commercial buildings, malls and manufacturing sites.
From environmental liability and builders-risk to tenant discrimination and loss-of-rents coverage, we offer you unsurpassed protection.
Protect your inventory, employees and reputation
At The Hilb Group, we know that retailers of every size and description are increasingly exposed. In response, we’ve built our Retail Practice to meet your every contingency, whether your business model is bricks-and-mortar or click-to-order.
If there’s one word that warms the hearts of our many retail clients, it’s “proactive.” We partner with you every step of the way to ensure that you’re as protected as you are profitable. We survey your employment practices to ensure they’re best practices. We can indemnify you against credit-card processing breaches. We proactively manage your workers’ compensation risk through safety seminars and help you manage your inventory through the introduction of market-leading loss-control programs.
Your goal is to keep your registers ringing. That’s our goal, too.
We “get” tech
These days, the promise of innovation is nearly matched by its perils. One false keystroke can rudely acquaint your company with the limits of your privacy liability coverage. Another can instantly compromise network security. Hackers seemingly lurk everywhere. And your intellectual property can walk out the door with a suddenly disgruntled employee. When it comes time to choose an insurance advisor, this is no time for dealing with amateurs.
At The Hilb Group, we realized early that value-added resellers, custom software vendors, tech consultants and others face a unique set of risks, so we’ve built our Technology Practice to meet every one. From errors and omissions to identity theft, we offer you solid protection in a business where there is absolutely no room for error.
Meeting the challenges of increasingly global distribution
When your business is importing or distributing, you get around – because your business is everywhere. In all probability, you have facilities abroad, cargo at sea and a fleet on the road. Risk, risk and more risk. At The Hilb Group, we know that distributors of every description are increasingly global players. In response, we’ve built our Wholesale Distributors practice to meet your every contingency, both home and away.
From product liability to cargo coverage, we offer you unsurpassed protection in every aspect of distribution.
We’ll keep your company rolling – with reduced risk
Transportation is the backbone of the economy. Whether you are a trucking firm, waste hauler, recycler, or livery service, delivery is a core function of your business. The Hilb Group’s Transportation specialists understand your business, and the continual risks that you face on our roadways.
From federal and state regulations and political risks to claims frequency and fuel and labor costs that can cause significant fluctuations in your operating costs, when you partner with Hilb’s Transportation Group, you are dealing with individuals who understand these challenges.