Risk Solutions

US Casualty

At Price Forbes, we design and place US Casualty programmes that are structurally sound, technically robust, and engineered for an evolving liability landscape. Our global Casualty division supports brokers placing complex US-exposed risks, delivering solutions that combine disciplined underwriting with inventive programme design.

Based across London and Bermuda, our Casualty team is one of the most experienced in the market and placed USD1bn+ GWP in 2025. We have the confidence of insurers and clients alike, underpinned by decades of technical expertise, long-standing market relationships, and a measured, solutions-led approach to risk placement.

We specialise in the structuring and placement of multi-line liability programmes for a diverse client base, including Class 1 railroads and public entities to transportation operators, manufacturers, contractors, and innovative technology businesses. We’re here to help clients protect assets, manage volatility, and optimise outcomes across global markets.

US Casualty Solutions

We deliver coordinated, multi-line Casualty programmes across General Liability, Auto Liability, Employers’ Liability, Excess & Umbrella and related specialty covers.

Our core capabilities include:

Traditional Programmes

  • Occurrence, Claims Made, or Occurrence Reported triggers
  • Typical minimum attachment from USD5m
  • Broad appetite across classes, with a preference for insureds supported by risk management functions
  • Coordinated placements across London and Bermuda markets

Swing Deals (Structured Aggregate Solutions)

  • Coverages include Auto Liability, General Liability, and Employers’ Liability
  • Typically written on 3-year terms, with structures available up to 5 years
  • Aggregate limits with defence costs included o Minimum attachment from USD1m per occurrence
  • Annual premium instalments
  • Swing Down (return premium or commutation) and Swing Up (additional premium) mechanisms
  • Free growth allowances to accommodate operational expansion

These solutions are designed to reward strong loss performance, stabilise long-term pricing, and provide certainty in volatile casualty environments.


Risk management bursary - exclusive to Price Forbes

An embedded feature of selected structured casualty programmes.

Insurers provide a grant or bursary of up to USD100k, enabling insureds to invest directly in safety-enhancing initiatives such as telematics, fleet monitoring, or operational controls - designed to reduce claims frequency and severity over the life of the programme.

Industries we support with US Casualty solutions

We work with brokers supporting clients across sectors facing complex US liability exposures, including:

  • Transportation and logistics
  • Construction (contractor-led, single-project, residential and commercial)
  • Manufacturing and product liability
  • Utilities and energy infrastructure
  • Public entities (states and municipalities)
  • Shared economy platforms
  • Energy, power and renewables
  • Mining and heavy industry

Key contacts

Philip
Philip Titley
Chairman, Global Casualty, Healthcare, A&H and Programmes
Elliott
Elliott Meachem
US Casualty Production Leader & Head of Transportation Casualty
Industry Spotlight

Transportation

Transportation risks sit at the core of our US Casualty offering. From trucking fleets to freight and passenger rail, we address distinct but interrelated liability exposures with precision and consistency.

Working as dedicated specialists, we assemble and coordinate layered casualty solutions to ensure operations are protected at every level, aligning domestic and international capacity for seamless coverage.

Key transportation segments we support include:

  • Trucking and long-haul fleets
  • Freight rail (Class 1, 2 and 3)
  • Passenger rail (heavy and light) and transit districts
  • Mass transit (bus, rail and ADA operations)
  • School bus and coach operators
  • Waste management and hauling fleets
  • Mixed and employee vehicle fleets, including HNOA

 

Get in touch

Market Spotlight: Bermuda

We deliver casualty solutions globally, with a particular depth of expertise in US-exposed risks placed through Bermuda.

With access to 22 casualty markets offering more than USD700m in available capacity, Bermuda provides the flexibility and scale required for complex, distressed and loss‑sensitive exposures. While average attachment points typically sit at USD50m and above, select markets will attach from as low as USD5m for high‑rate or challenging risks.

As the largest independent broker in Bermuda, we combine broad multi-class liability expertise, long standing market relationships, and approximately 85 years of combined casualty experience, working hand in hand with our London Casualty team to deliver coordinated, outcome-driven solutions.

Industry Spotlight

Waste Management

Price Forbes is a market leader in placing casualty solutions for waste hauling and landfill exposures.

  • Waste hauling leader with 15,000+ trucks across the US and Canada, placing USD35m of a USD185m liability tower through London and Bermuda markets
  • Public entities with waste and landfill exposures, including a lead umbrella placement for a major West Coast city purchased in London
  • Excess casualty capacity placed in London and Bermuda for a large Pacific Northwest County securing USD90m of limits
  • Lead broker on some of the largest US trucking and haulage fleets, including multiple structured aggregate solutions for auto-exposed risks

Why Price Forbes for US Casualty?

Placing US Casualty risk demands technical discipline, market influence and a clear understanding of how liability exposures develop over time. At Price Forbes, we specialise in structuring casualty programmes for complex, loss‑sensitive and hard‑to‑place risks, combining strategic programme design with direct access to London and Bermuda capacity.

  • One of the largest US Casualty teams operating across London and Bermuda
  • Proven expertise handling complex, hard-to-place liability risks
  • Innovative structured and multi-year programme design
  • Demonstrated understanding of US litigation environments and jury verdict trends
  • Strong advocacy with insurers throughout placement and claims
  • Trusted by transportation operators, public entities, manufacturers and infrastructure clients worldwide

Let's Talk

Our insurance experts are always on hand to talk about ways we can join forces to take on the future.