Property & Casualty Consulting

HM has the experience to ensure proper identification, evaluation, classification and rating of various liability risks. Many of our team members are former underwriters, which enlightens their perspective of the underwriting process and facilitates their ability to obtain the most comprehensive coverage in the most cost efficient manner for our clients. We have developed and maintained superior relationships with the local, regional and national management of major global Casualty insurers. Additionally, we have designed and implemented many Global Master (Difference in Conditions/Limits – DIC/DIL) Programs for our larger multi-national clients. This approach eliminates the possibility for gaps in the local coverage provided in each country and ensures a level standard of coverage on a worldwide basis. We have also been able to develop creative solutions for covering product liabilities associated with products that contain known, hazardous exposures and those with the potential for an integrated occurrence of many claims.