Differentiated Broking Solutions – General Industry

Willis Towers Watson’s Differentiated Broking Solutions (DBS) brings together our deep industry and technical expertise and extensive market relationships with top Property & Casualty insurers to deliver unique insurance solutions.

The General Industry Differentiated Broking Solutions is a unique approach to the market, both in what we deliver and how we deliver it. DBS creates a sustainable competitive advantage and delivers industry-leading growth.

Overview

The General Industry DBS is designed to have a broad industry appetite with a primary emphasis on:

• Manufacturing
• Retail
• Service Industries
• Distribution

It provides coverage for the core Property & Casualty lines of business:

• Property
• General Liability
• Business Auto
• Workers Compensation
• Umbrella

There are also additional solutions available for Excess Liability, Environmental, and International lines of business.

Benefits

DBS provides clients elevated terms and conditions by industry, access to improved carrier services and claims outcomes, and integrated technical expertise and market strength of Willis Towers Watson as a firm.

Comprehensive offering available via pre-negotiated minimum coverage requirements

The ability to efficiently place coverages on either a standable basis, or in an expanded package/suite of coverage

Pre-approved carrier issued policy forms and endorsements

Firm minimum service requirements

Coverage enhancements

DBS consistently delivers standardized elevated coverage to our clients. Below are just some of the many enriched coverages DBS provides.

Core Lines and Excess Liability

• Extended Notice of Cancellation for all lines
• Per location aggregates included
• Unintentional Errors and Omissions and Broadened Notice and Knowledge of Occurrence included on all lines
• Increased Property sub-limits*
• Minimum of $1M limit for Contingent Time Element
• Minimum of $500,000 limit for Electronic Vandalism
• Minimum of $5M limit for Newly Acquired Premises — Real Property
• Enhanced coverage endorsements including:
• Blanket Additional Insured and Blanket Waiver on Casualty lines
• Minimum of $100 per Disablement on Towing and Labor
• Employees as Insureds and Employees Hired Autos
• Incidental Med Mal and Primary Non-Contributory included in General Liability coverage

*More options available

Environmental

• The Environmental coverage fills the gap created by the Pollution Exclusions included in the General Liability and Property policies
• Policies provide coverage for Pollution Conditions at, on, and migrating from a covered location. Coverage is also extended for transportation of insured’s goods, products and waste, as well as coverage at non-owned disposal facilities.
• Policy forms that have been pre-negotiated to include broadened scope of coverages — with affirmative coverage for mold and legionella
• Automatic coverage for above ground storage tanks and emergency generator day tanks (any underground storage tanks need to be specifically scheduled onto the Policy)

International

• International Package coverage for General Liability (Public & Products Liability), Excess Auto Liability, Foreign Voluntary Workers Compensation & Employers Liability, with an ability to also include Property Coverage and Business Interruption
• International coverage to include, Trip Travel & Reverse Trip Travel, Kidnap and Extortion, and Accidental Death and Dismemberment
• Ability to issue local General Liability and Property policies outside of the US — depending on the risk profile, can include up to 50 countries