our insurance products

the westwood insurance group has forged relationships with a number of premier insurance carriers and as a result, have a wide range of products to choose from.

traditional insurance products

Westwood have fostered exceptional relationships with underwriters and we go to great lengths to keep abreast of their latest products, changes in requirements and restrictions, including having weekly calls with the carriers, which you can see here, by joining our insurance insider group.

Professional Liability Insurance(Medical Malpractice Insurance)
General Liability Insurance
Excess and umbrella coverage
Cyber Liability Insurance
Telemedicine Malpractice Insurance
Sexual Abuse & Molestation (SAM) insurance
Commercial Property Insurance
Commercial Auto Insurance
Directors and Officers Liability (D&O) insurance
Workers’ Compensation Insurance
Technology Errors & Omissions Insurance
Employment Practices Liability
Environmental Liability insurance
HNO Insurance
Fully/Partially Funded insurance
Crime Insurance

alternative structures

Westwood President, Michael Richards has extensive experience in setting up alternative structures for larger clients. If you think your client could be large and stable enough to benefit from starting or participating in a captive or has a special need for another alternative structure, contact Michael Richards now by phone: 855 351 7487.

Starting a Single Parent Captive (Pure captive)
Joining a Protected Cell Captive (Segregated Cell)
Micro Captive Insurance
Group Captive Insurance
Risk Retention Group (RRG)
Special Purpose Vehicle (SPV) Captive
Stand alone ERP (extended reporting period)
Loss Portfolio Transfers (LPTs)

casualty

Our Casualty division offers many unique products to meet the wants and needs of your clients. Our relationship with our carriers gives us access to provide the best coverage by creating better and smarter risk management solutions.

Auto – Primary, Hired and Non-owned, Transport
General Liability
EPLI – Employment Practices Liability
D&O – Directors & Officers Liability
Environmental Liability
Excess & Umbrella
Cyber Liability
Workers Compensation
Surety Bonds

medical professional liability

Our medical professional liability division specializes in creating unique solutions for tough risks. We understand the complex changes your clients face in the healthcare industry.

PL&GL Combo Forms – separate limits available
Claims Made and Occurrence Coverage Forms – Low limits to $1M/$3M ($2/$4 in VA)
“A” Rated Admitted and Non-Admitted Carriers
Primary and Excess Coverage
Physical and Sexual Abuse Coverage
Defense inside or outside the limits
Prior Acts/Retro Coverage
Incident Sensitive Forms
First dollar, Low Deductible, High Deductible, Corridor and Swing plans available
Medical Director Coverage
Loss Portfolio Transfer

medical expense stop loss

A Medical Expense Stop Loss program is underwritten and issued by an A rated admitted carrier. Employer groups (insured’s) continue to pay claims within their deductible. The group captive allows participants to retain profit(s) and loss (s) within the captive’s $250,000 or $500,000 retention. To ensure improved cash flow, each program is designed and tailored to an employer’s group size and financial capacity.

Self-Funding Method of Health Insurance (Utilized by large employers for decades)
75+ Lives Eligibility
Control over Network and Claims Service Providers
Custom Design “Best-In-Class” Wellness and Behavioral Programs
Retain Underwriting Profit

property

Our Property division offers a variety of solutions to meet your client’s needs. Through creativity and flexibility we will find the right solutions for your clients.