Casualty

Wholesure’s National Casualty Practice delivers customized solutions for diverse and evolving liability risks across multiple industries. From general contractors and real estate portfolios to specialty manufacturers and high-liquor-exposure hospitality venues, we provide consultative placement with speed, precision, and market access that spans standard, excess & surplus, and specialty carriers.

Contact Us

Core Coverages

  • General Liability (GL)
  • Excess Liability / Umbrella
  • Liquor Liability
  • Contractors Pollution Liability (CPL)
  • Product Recall
  • Cyber & E&O

Policy Structuring

  • Project-Specific Policies: OCIPs, Wrap-ups, Owners Interest
  • Monoline or Package
  • Claims-Made vs Occurrence
  • Practice Policies

Key Coverage Features

  • Worldwide Coverage
  • Separate Defense Limits
  • Follow-form Excess
  • Emergency Response Costs
  • Mold Coverage (claims-made or occurrence)
  • Recall Expense (Products)
  • Inland Marine & Business Auto (via combo placements)
  • Construction
    • Electrical, Plumbing, Roofers, Demo, Fireproofers, GCs, Tract Dev
  • Real Estate
    • Apartments, Condos, HOAs, Hotels, Property Managers, Vacant
  • Hospitality
    • Nightclubs, Restaurants, Breweries, Amusement parks, Event Venues
  • Products
    • Auto parts, Medical gear, PPE, Sporting goods, Toys, Cosmetics
  • Environmental
    • Hazmat haulers, Site assessors, Solar installers, Remediation teams

This list is representative — contact us for specialty or outlier class reviews

Standard for All Lines

  • ACORD 125/126/131 (as applicable)
  • Supplemental Application
  • 5 Years of Currently Valued Loss Runs
  • Statement of Operations or Narrative
  • Subcontractor Agreement (Construction)
  • Statement of Values (SOV) (Real Estate, Property)

Additional by Category

  • Real Estate: Building updates for properties >20 yrs, wiring info
  • Environmental: Certification requirements (e.g. RRP Rule), project specs
  • Hospitality: Entertainment type, % liquor, capacity limits
  • Products: Product details, distribution geography, recall history