Commercial Property & Casualty Insurance Broker Services
Our business insurance team serves as an extension of your company to provide comprehensive insurance solutions and proactive risk analysis to protect your commercial interests.
Risk Advisor for Your Property & Casualty Needs
Commercial liability and risk exposures vary across all industries, especially in niche or specialty markets.
Britton Gallagher has built a solid reputation in commercial insurance by continually seeking new, challenging risk management opportunities. Our ability to handle unique or niched liability needs has provided us with a wide range of experience serving clients that are varied in market, industry, service, and product.
Worker’s Compensation Cost Management
In any industry, worker’s compensation can be costly and confusing. Insurers use what is known as an experience modification factor, or mod, to determine the premiums you pay for workers’ compensation coverage. By managing your exposures and promoting safety, it is possible to manage your mod and decrease your premium rates.
Our property and casualty team conducts a mod analysis to identify the cost drivers of your workers’ compensation premiums and claims. We work with that data to develop loss control solutions to reduce costs and support your business objectives. We can also forecast how payroll or loss trends will affect your costs in the future.
Commercial Industries Served
- Food and Agriculture
- Industrial Goods and Services
- Metals and Mining
- Real Estate
- Retail, Wholesale & Distribution
- Transportation, including Marine/Cargo
- Venture Capital & Private Equity
Available Insurance Solutions
- All-Risk Property
- Automobile Liability
- Business Income Interruption
- Cyber Liability and Network Liability
- Discontinued Products Liability
- Excess Liability
- General Liability
- Named Windstorm, Earthquake, and Flood
- Product Liability & Product Recall
- Professional Liability
- Reps & Warranties/Transactional Liability
- Supply Chain Interruption
- Workers’ Compensation
Client Spotlight – United Skates of America
United Skates is the United States’ largest roller skating chain, featuring laser tag, arcade games, and a STEM (Science, Technology, Engineering, and Math) program for students. United Skates entertains over 2 million people each year and works hard to provide a fun, safe, and memorable experience.
Jim Dvorak, CEO of United Skates, explains the instrumental role Britton Gallagher played in helping their business manage the many liability and litigation concerns prevalent in the roller skating industry. Jim shares his appreciation for the access Britton Gallagher was able to provide to insurance adjusters and attorneys familiar with the roller skating industry to help defend claims and keep premiums manageable.
Customized Solutions, Personalized Service
Britton Gallagher’s commercial property and casualty team takes a consultative approach with each client by working to understand their business, its challenges, and its objectives to tailor a program that supports their future.
We specialize in implementing business insurance programs for new clients, which proactively reduces exposures and minimizes costs.