Risk

Casualty Insurance

Strategic Protection for Today’s Toughest Risks

Casualty Insurance Solutions

Protecting Complex Risks with Confidence

At People Risk, we deliver primary and excess casualty insurance solutions tailored to today’s most challenging exposures. Backed by deep expertise and strong market relationships, our specialists provide strategic consultation, customized program structures, and access to exclusive carrier partners.

Whether you’re facing high-hazard operations, unique liability concerns, or complex layered placements, we bring the insight and resources needed to manage risk and protect your organization.

What Sets Us Apart

Expert Consultation

We tailor programs to industry-specific risks and emerging threats.

Market Access

Leverage our strong carrier relationships for superior pricing and placement.

Custom Program Design

Layered structures and specialty coverage built around your needs.

Full-Spectrum Support

From program development to claims resolution, we’re with you every step of the way.

Empowered people. Protected business. Smarter outcomes.

Strengthen your workforce. Let’s build what’s next—together.

Casualty Areas of Specialty

Construction

We protect residential and commercial contractors with primary, excess, and wrap-up programs tailored to the demands of complex job sites.

Energy

From upstream to utilities, our energy specialists structure coverage to keep pace with evolving risks and market conditions.

Environmental

We address pollution and environmental liabilities with region-specific expertise and carrier insight.

Healthcare

Serving hospitals, systems, and providers, we offer casualty solutions that match the complexity of healthcare operations.

Hospitality

We place coverage for hard-to-insure risks like nightclubs, casinos, and hotels—including liquor liability and event risks.

Manufacturing

From product development to logistics, we protect manufacturers and distributors with programs that go beyond standard market offerings.

Public Entity

We support municipalities, schools, and agencies with tailored casualty programs that reflect public-sector priorities.

Real Estate

Whether residential or commercial, we offer specialized coverage for buildings, tenants, and liability exposures.

Transportation

We structure coverage for fleets, long-haul trucking, medical transport, and emerging mobility models.

Specialty Coverages

Our coverage expertise includes commercial auto, construction wraps, pollution liability, general liability, liquor liability, product recall, products liability, umbrella + excess liability, workers’ compensation, and more—delivering comprehensive protection across both routine and emerging risk exposures.

Claims Advocacy

Strategic Support. Stronger Outcomes.

From first notice to resolution, our team stands by your side—resolving complex claims with confidence and care.

Recent adverse developments in U.S. casualty insurance topped $15.8 billion in 2024, underscoring how rising claims and evolving liability trends are reshaping risk.

Deloitte Human Capital Trends Report

Let’s Talk Risk Strategy

Explore custom solutions for your most complex exposures.

Explore the industries we serve

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