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Differentiated Broking Solutions – Financial Institutions and Professional Services

Competitive insurance solutions delivering best-in-class terms, identification of emerging risks and timely marketplace adjustments.

WTW's Differentiated Broking Solutions (DBS) brings together our deep industry and technical expertise as well as our extensive market relationships with top property & casualty insurers to deliver unique insurance solutions.

FIPS DBS is designed to create a sustainable, competitive solution in order to provide best-in-class terms, identify emerging risks and adjust our offerings to coincide with the ever-changing marketplace.

Overview

The Financial Institutions and Professional Services (FIPS) Industry Division DBS is designed to have a primary emphasis on clients in the following industries:

Financial institutions:
  • Banking
  • Asset management
  • Insurance
  • Fintech
Professional services:
  • Law firms
  • Accounting firms
  • Managment consulting firms
DBS provides coverage for the core property & casualty lines of business:
  • Business auto
  • General liability
  • Property
  • Umbrella
  • Workers' compensation

Coverage enhancements

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

  • 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
  • Foreign, REO and professional liability included in umbrella coverage if applicable on underlying
  • Increased property sub-limits
  • Consideration given to provide a bodily injury and property damage carve back on professional liability exclusion
  • Creative workers' compensation structures and solutions
  • ATM coverage included where required
  • Enhanced CAT coverage for time element sublimits such as civil authority and ingress and egress

Enhanced coverage endorsements including:

  • Blanket additional insured and blanket waiver on casualty lines
  • Minimum of $250 per disablement on towing and labor
  • Employees as insured and employees hired autos
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