Casualty is one of the broadest insurance categories. Casualty typically refers to third party liability coverage, such as commercial general liability and automobile liability. Casualty also includes workers’ compensation. Plan design is critical to your casualty program and involves an understanding of alternatives such as small and large deductibles, retrospective rating, self-insurance, risk retention groups and captives. Because insurance is our business we walk you through each of these categories and help you to make educated decisions based on a shared understanding of your business, risk philosophy and best solutions to meet your objectives.