Commercial Insurance Placements

Some exposures are not a fit for our Member-Owned Captives. PURMA works with our broker partner Starkweather & Shepley Insurance to procure commercial insurance placements for all exposures that we are unable to place in our captive programs. As your dedicated risk manager, PURMA reviews commercial placements to ensure that members are receiving the broadest available coverage at the most competitive rates.

Common Commercial Product Placements

Crime Insurance

Protects organizations from financial losses such as burglary, theft, fraud and forgery.

Cyber Insurance

Provides financial protection to organizations from internet-based risks including security breaches and cyber-attacks.

Employment Practices Liability

Protects organizations from wrongful acts arising from the employment process such as discrimination, sexual harassment, wrongful termination and retaliation.

Environmental (Pollution) Liability

Provides financial protection to organizations if pollutants are released or cause damage to a third party.

Contractors Equipment / Inland Marine

Physical damage insurance that covers the specific equipment and tools of an organization.

Workers Compensation

Mandated insurance that provides benefits to workers who become injured or ill as a result of their employment with your organization.