Casualty Insurance That Works for You

Protecting your business from unexpected risks is critical to long-term success. Our casualty insurance solutions are designed to help you minimize exposure, lower claims, and safeguard your bottom line—no matter your industry.

Tailored Protection, Real-World Expertise

Running a business means facing constant challenges, from shifting regulations to emerging liabilities like cyber risks or environmental concerns. Legal defense costs alone can severely impact your operations. That’s why we take the time to understand your goals and your approach to risk.

Our experienced team brings industry-specific insight and proven strategies to help you reduce risk and stay ahead of potential issues—whether that means improving safety practices or managing claims more effectively.

Broad Coverage, Customized to Fit

We offer a wide range of casualty insurance coverages, including:

• Liability Protection: General, professional, liquor, and product/premises liability

• Industry-Specific Coverages: Aviation, unmanned aircraft, railroad protective, garagekeepers, and transportation

• Employee & Employer Protection: Workers’ compensation (including USL&H and DBA coverage), employers liability

• Environmental & Auto: Environmental impairment, commercial auto

• Advanced Risk Solutions: Captive management, umbrella/excess liability, and risk transfer programs

Let’s build a custom solution to protect what matters most to your business.

Staying Ahead for a Faster Recovery

As your business evolves, so do your risks. The property experts at Centered Partners design commercial property insurance plans tailored to your changing needs—covering everything from minor theft to major losses. Our advisors go beyond basic coverage, offering strategic risk management solutions to help you assess vulnerabilities, improve safety, and build effective disaster and recovery plans to protect your future and finances.

We partner with A-rated carriers to ensure your policy provides the right protection and financial support when you need it most—speeding up your recovery after a loss.

Our property coverage options include:

• Equipment-related risks such as Boiler & Machinery and Installation Floaters

• Project and site-specific needs like Builders Risk and Stock Throughput

• Business continuity solutions including Business Interruption, Contingent Income, and Cargo/Transit

• Natural disaster coverage for Earthquake, Flood, and Wind events

Guiding Leadership Through Risk with Strategic Protection

Leadership today comes with growing complexity. At Centered Partners, we engage in ongoing conversations with our clients to uncover current and emerging vulnerabilities. In an increasingly litigious world, employer liability is expanding. Meanwhile, rapid advances in technology, though improving efficiency, also expose financial assets to threats—from cyberattacks to internal fraud.

We specialize in helping individuals and organizations manage these executive risk challenges. Our team assesses your exposures, monitors industry and regulatory trends, and manages claims with precision and strategy.

Using a consultative, hands-on approach, we deliver tailored management liability solutions, including:

• Directors & Officers and Professional Liability (E&O)

• Employment Practices and Fiduciary Liability

• Cyber, Network Security, and Crime-related Coverage

• Protection for Mergers, Acquisitions, and Extortion Events

Protection by Land, Air, or Sea

Inland and Ocean Marine insurance are complex specialties—far more than simply covering goods moving over land versus water. At Centered Partners, our experts bring decades of experience serving both large maritime operations and smaller businesses, helping navigate the unique risks of the industry.

Whether your assets are in transit on land, in the air, at sea, or stored on-site, we make sure your cargo, vessels, crew, equipment, and systems are fully protected. We assess potential coverage gaps and tailor policies that align with your operations and exposures.

Our marine solutions include coverage for boats and yachts, contractors’ equipment, fine arts, and jewelers block, along with captive management services, international programs, and both wet and dry marine risks.

Surety Bonds That Keep Your Business Moving

Having the right surety program is essential to securing contracts and maintaining smooth operations. Whether you’re a contractor needing performance, payment, or bid bonds, or a business seeking license and permit bonds, Centered Partners offers the expertise and resources to meet your needs quickly and efficiently.

As a trusted leader in surety bonds for projects of all sizes, including domestic and international ventures, we simplify the bonding process and provide expert guidance to ensure you get the perfect bond tailored to your requirements.

What sets Centered Partners apart is our strong access to top surety markets nationwide. Our specialists act as true partners and advisors to clients across all 50 states, leveraging relationships to handle both routine and complex bonding challenges.

Our offerings cover contractor bonds that guarantee contract fulfillment, fidelity bonds to protect against employee dishonesty, and specialty bonds designed for unique or niche situations.

Our experts help you navigate key factors before pursuing a captive solution for your property and casualty insurance needs. With deep experience, we guide you through the complexities of alternative insurance options.

We work with you to clarify financial and risk management goals, providing clear, tailored options. Since captives are member-owned insurance companies sharing risk and costs, selecting the right partners is essential to building a strong program for individuals and the membership.

As your partner, we create customized risk control and claims management plans, collaborating with your team to focus on:

• Reducing loss

• Enhancing communication

• Maintaining safety

We continuously improve strategies by learning from each claim.

Our services include:

• Consulting and insurance contract support

• Coordinated service plans and OSHA citation help

• Risk management and claims negotiation

• Claim advocacy and loss run coordination

• Online reporting and claim reviews for property, liability, and workers’ compensation

Additional offerings:

• E-services via KPA Risk Management Center

• Educational webinars and safety training

• Return-to-work programs and toolbox talks

• Hazard assessments, risk surveys, and benchmarking data

• Compliance recommendations and marketing coordination