Property & Casualty

The Property & Casualty insurance marketplace is constantly changing and it is important to align yourself with an insurance broker that has the market contacts, experience and bandwidth to bring your risk to the top of the underwriter’s submission pile. It is also extremely essential to understand how insurance is priced, be educated on the process and know your options.

As a full service Commercial Property & Casualty broker, Stern Risk Partners doesn’t leave the underwriting up to the insurance companies. We pre-underwrite every risk and put our clients in the best position to minimize premiums and drive down their total cost of risk. We maintain relationships with all major insurance companies and utilize the latest technology and modeling tools to evaluate your risk.


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Pre-Underwriting  •  RMS  Modeling •  Captive Management  •  Integrated Solutions


Why Choose Stern Risk Partners
Experience
  • Your insurance brokerage placement is only as good as the individual handling it on your behalf. Our product specific senior brokers will handle your placement directly - which means you will get the experience and effort you deserve.
  • We believe in complete transparency throughout the process – from information gathering, pre-underwriting of the risk and creation of the submission to your personal relationship with the underwriters.
  • Insurance purchasing is just one component of your total cost of risk. We bring decades of experience to the table and evaluate the impact of deductibles, claims, loss control and captive insurance arrangements on our clients insurance programs.

Creativity
  • Renewing every year with the same program doesn’t result in superior results. It is important to change the box and restructure your program to keep up with changing industry dynamics.
  • We integrate your traditional property and casualty insurance with alternative risk programs better than any firm in the industry.