Motor Vehicle

• Auto Insurance
  As communications services companies’ offerings continue to grow and expand, so does their need for a diverse range of insurance coverage. Risks to be managed range from protecting employees, operations, and property – whether corporate offices, data centers, transmission towers, or satellites – from natural hazards, cyberattacks, and other disruptions to mitigating exposures due to lapses in professional duties. <br>\r\n<br>\r\nDepending on the exact service offerings and location of assets of a communications services company, insurance coverage might include property and business interruption, commercial auto insurance, errors and omissions (E&O), directors and officers, and cyber.<br>\r\n<br>\r\nAs a result of the constantly-evolving nature of this industry, risk management strategies, including appropriate insurance coverage, may vary over time. Having a trusted advisor at your side, such as Marsh, can help you navigate your dynamic risk landscape.</p>\r\n"}}" id="text-8ba3861147" class="cmp-text">
• Aircraft Insurance
  Requests for liability limits typically vary from a low of US$5 million to US$100 million or more depending on the exposure. Non-owned aircraft liability insurance provides coverage in the event a corporation becomes legally liable for bodily injury (including passengers) and property damage to third parties as a result of a loss involving a corporation’s or employee’s use of a non-owned aircraft. Liability coverage would be provided to the corporation as long as the aircraft is not partly or wholly owned or registered in the name of the corporation, its subsidiaries, or related parties.</p>\r\n"}}" id="text-1ec2c09c17" class="cmp-text">

Health and Life

• Health Insurance
  Even before the COVID-19 pandemic, the US healthcare industry was facing a unique and evolving set of challenges. An aging population, combined with political change, led to uncertainty regarding the future of the Affordable Care Act (ACA), while the costs of care increased and reimbursements continued to decline for providers and healthcare facilities alike. And, while technology is increasingly being implemented in an attempt to streamline service delivery and enhance patient care, issues surrounding cybersecurity and protected health information are becoming more common.</p>\r\n<p>Our US HealthCare Practice is committed to industry specialization and can assist you in addressing emerging risks, evolving customer expectations, and shifting regulations. We have a dedicated team of professionals serving a diversified group of healthcare organizations, representing thousands of individual hospitals, academic medical centers, and physician groups; health insurance plans; skilled nursing, assisted living, and senior residences; and ancillary and specialty operators.</p>\r\n<p>Together, we can help you build a comprehensive and flexible risk management program — incorporating risk transfer and retention to mitigate exposures — that meets your total cost of risk and resilience objectives.</p>\r\n"}}" id="text-5ee27f22cb" class="cmp-text">
• Long Term Care
  By identifying strategic solutions to improve resident and associate safety, our specialists help to lower the total cost of risk for senior living and long-term care providers.

Business

• Business Insurance
  Small and midsize public and private organizations rely on trusted advisors to help them prepare for a future that’s truly limitless. Through Marsh McLennan Agency (MMA), we deliver the resources of a large firm with the local agency attention, advice, solutions, and programs that these organizations expect.</p>\r\n<p>A wholly-owned subsidiary of Marsh, MMA has access to broad resources and solutions across all of the businesses under the Marsh McLennan banner.</p>\r\n<p>Through the strength of our local teams, geographic reach, and world-class services, MMA provides you with business insurance, employee health and benefits, retirement, and private client insurance solutions to help you attain your goals.</p>\r\n<p>MMA is currently the ninth-largest insurance broker in the US with annualized revenues of approximately $2 billion.</p>\r\n"}}" id="text-eeba135b00" class="cmp-text">
• Workers Compensation Insurance
  The specifics of entertainment insurance depend on the organization looking to be insured and the terms and conditions offered by insurers. That said, most packages center around property, casualty, workers' compensation, and liability insurance that covers the individuals, property, and locales involved in the entertainment.
• Professional Liability Insurance
  Marsh’s financial and professional liability specialists can design solutions to help safeguard your company and employees, enabling you to focus on your business.
• Builders Risk Insurance
  Although you may already have comprehensive policies for your various property and liability concerns, typically these do not apply in the case of pending construction projects, no matter the design and/or construction stage. Whatever your financial interest is in a construction project, whether as an individual investor or on behalf of your organization, you will need at least some level of construction insurance (also known as builder's risk insurance) coverage.</p>\r\n"}}" id="text-2981f6e590" class="cmp-text">

Personal

• Liability Insurance
  The insurance needs of food and beverage companies may vary by geographic location, product type, and other factors.</p>\r\n<p>In many developed nations, companies of any description are required to carry workers’ compensation insurance (sometimes called “workers’ comp”) or its equivalent, in case of accidental injury to or the death of an employee. Due to the inherent risks of working in the food and beverage industry, especially for personnel assigned to production lines with heavy equipment, it is essential that any employer provide this type of coverage where legally obligated.</p>\r\n<p>Other types of insurance may include general liability insurance, which can sometimes be bundled into a general business owner’s policy that includes property insurance, commercial auto liability insurance for business-related transportation, and liquor liability insurance. In the event of international transport or shipping, for example of food commodities or large-scale production of consumer packaged goods, more specialized insurance coverage may also be warranted.</p>\r\n<p>Cyber insurance is an important coverage that food and beverage companies should consider as they are increasingly leveraging technology in their business models and day-to-day operations. A cyberattack can significantly impact your organization, from business interruption to other financial losses.</p>\r\n"}}" id="text-ebfdb46319" class="cmp-text">
• Travel Insurance
  Travel insurance is another common component of entertainment insurance, given how often actors, musicians, and other performers must fly all over the world to ply their respective trades. Other coverages for specialized risks unique to certain productions or events may be added as riders to a policy on a case-by-case basis.

Natural Disaster

• Flood Insurance
  Having caused $20 billion in claims over the past 10 years, floods are the costliest natural disaster in the US. As a flood insurance leader with advanced technologies and responsive service, we can help.