Category 01
Casualty
Casualty insurance protects businesses from financial losses arising from bodily injury, property damage, and personal injury claims. Whether you operate a physical location, manufacture products, or manage large construction projects, casualty coverage is foundational for any commercial risk portfolio. Our casualty markets accommodate both standard and non-standard risks.
- Broad CGL coverage for premises and operations
- Products & completed operations for manufacturers and contractors
- Wrap-up programs (OCIP/CCIP) for large construction projects
- Protective liability for owners, landlords, and tenants
Category 02
Executive Protection
Executive Protection covers the personal liability of corporate directors, officers, and managers for decisions made in their professional capacity. These policies protect both the individual executive and the organization from claims alleging mismanagement, breach of fiduciary duty, or other wrongful acts. Available for both for-profit corporations and non-profit boards.
- Directors & Officers (D&O) liability coverage
- Protection against shareholder suits and regulatory actions
- Entity coverage for the organization itself
- Tailored solutions for emerging companies and established corporations
Category 03
Garage Liability
Garage Liability provides specialized coverage for automotive businesses — from franchised dealers to independent repair shops. It covers bodily injury and property damage arising from garage operations and includes Garagekeepers Legal Liability for customer vehicles in your care, custody, or control. NeitClem accesses surplus lines markets for the widest possible range of automotive risks.
- Coverage for a wide spectrum of auto-related operations
- Garagekeepers Legal Liability for vehicles in your custody
- Dealer, service shop, and specialty vehicle operations
- Standard and hard-to-place garage risks welcome
Coverage Types (27)
Category 04
Professional Liability
Professional Liability (Errors & Omissions) protects licensed professionals and service providers from claims alleging negligent acts, errors, or omissions in the delivery of their services. This coverage is essential for any business where advice, expertise, or specialized knowledge is rendered — because even the best professionals face claims. Defense costs are typically included regardless of fault.
- Defense costs covered even when claims are groundless
- Tail coverage options for retired or departing professionals
- Employment Practices Liability (EPLI) for HR-related claims
- Medical malpractice and allied healthcare professional coverage
Coverage Types (18)
Category 05
Property & Inland Marine
Property and Inland Marine coverages protect physical assets — buildings, equipment, inventory, and goods in transit. From Builder's Risk during active construction phases to specialized floaters for high-value items, these policies are individually tailored to the unique exposure of each risk. NeitClem has access to surplus lines markets for difficult-to-place or high-value property risks.
- Builder's Risk for property under construction and renovation
- Inland Marine floaters for goods in transit and specialized equipment
- Earthquake and flood Difference-in-Conditions (DIC) coverage
- Vacant and distressed property solutions
Category 06
Specialty Classes
Specialty Classes covers businesses that fall outside standard insurance markets — often due to unique operations, elevated risk profiles, or niche industry characteristics. NeitClem has cultivated strong carrier relationships specifically for these classes, allowing us to place accounts efficiently and competitively that others may struggle with.
- Habitational and multi-family residential property risks
- Restaurant, bar, and food service operators
- Contractors across all trades and specialties
- Manufacturing, distribution, and light industrial operations
Coverage Types (15)
Category 07
Specialty Risks
Specialty Risks provides coverage for businesses with unusual or elevated exposures that are genuinely difficult to place in standard markets. These accounts require a skilled wholesale broker with deep carrier relationships and hands-on experience assessing non-standard risks. NeitClem's access to Excess & Surplus lines markets means we can cover what others turn away.
- E&S market access for non-standard and hard-to-place risks
- Amusement, entertainment, and recreation industries
- Security and guard services with complex liability exposures
- Industrial and trade operations with physical hazard concerns
Category 08
Packages
Package Policies bundle multiple coverages into a single, cost-effective policy tailored to specific business types. These are often the ideal solution for small-to-mid-size businesses that need broad protection without purchasing separate policies for every exposure. Each package is designed around the real-world risks of a particular industry class.
- Property, liability, and operations bundled in one policy
- Designed specifically for each business class (day care, retail, etc.)
- Simplified underwriting and single policy administration
- Competitive pricing through bundled carrier programs
Category 09
Other Coverages
This category includes specialized and miscellaneous coverages that are critical for complete risk management but don't fit neatly into a single class above. From broad Umbrella and Excess limits to niche exposures like Intellectual Property liability and Railroad Protective, NeitClem has the market access to find the right solution for almost any risk.
- Excess & Umbrella limits above primary policies
- Liquor Liability for bars, restaurants, and event venues
- Motor Truck Cargo for freight and transportation businesses
- Railroad Protective and industrial specialty coverages