Case Studies
How hard risk actually gets placed
Situation, risk, structure, outcome — the same four beats every time. Representative engagements: composites drawn from real Geneva placements with identifying details changed; outcomes described qualitatively.
Seven-figure exotic inventory, fully scheduled
A growing exotic dealer had outgrown its standard dealer program — inventory values had climbed past the policy’s caps. We rebuilt the placement through specialty dealer markets on agreed-value terms sized to the real floor plan. Inventory fully scheduled, renewal stable as the schedule grows.
An armed security firm the standard market kept declining
Declined on class, and quoted elsewhere only with assault & battery excluded — the core exposure of the work. We bound surplus-lines general liability with affirmative A&B coverage, built on the firm’s training and documentation. Certificates now satisfy client contracts, and documented loss control improved terms at the following renewal.
A fleet renewal quoted at multiples, rescued before expiration
One severe claim sent a regional trucking renewal to a multiple of prior premium. We re-marketed in parallel with the claim presented in context — corrective actions, safety record — and restructured deductibles and layers. Bound before expiration at materially better terms, with a path-back plan to standard markets.