Category Archives: Niche


Cyber and Technology

Advances in technology are creating new business opportunities – and new business risks – at an unprecedented pace.  At Brit, we provide our small to mid-sized clients with solutions to these new risks so they can fully embrace the opportunities technology offers them.

We start with policies that fit today’s  businesses with features like automatic coverage for business income loss from network disruptions to cloud providers.  We also provide  Brit Data Safe which includes regularly updated risk and compliance materials, online courses that can be assigned to employees and unlimited, confidential  phone and email consultation.  In the event of a breach or network disruption, our clients have access to a 24×7  reporting hotline and a network of tried and tested legal, forensics and service experts to manage the response.  


24/7 claim reporting hotline

Brit Data Safe – it’s more than a portal:

  • Virtual CISOTM – unlimited, confidential phone and email support from privacy and security risk experts on topics like:
  • Risks to manage when moving to cloud based services Implementing or updating your breach response plan
  • Based on our self-assessment, what should our next steps be to strengthen our data security?
  • Training, compliance and education resources for you and your employees
  • Policy templates

Regular articles and webinars on emerging risks

Access to preferred breach response vendors with a proven track record of resolving breaches

Mutual choice of attorneys and breach vendors

Experienced underwriters with the authority and flexibility to precisely meet our clients’ needs.


  • Full limit first and third party security and privacy coverage including regulatory claims
  • Privacy coverage extends to violations of your written, outward facing privacy policy.
  • Affirmative cover for cyber terrorism
  • Coverage for PCI-DSS Assessments
  • Available sub-limit for Cyber-Theft of funds, service credits or tangible  goods by a non-employee.
  • Business Income coverage for your network disruptions (defined as a failure, interruption or
  • degradation of the operation of your computer system) and those involving your cloud providers
  • Media liability coverage extending to material posted on your behalf on third party sites and networks
  • Knowledge and notice provisions apply to a defined Control Group
  • Ability to make policy primary over separate
  • professional liability policies that might be triggered by a cyber-attack or privacy breach
  • Excess coverage also available


  • Financial Institutions & Financial Services
  • Healthcare Providers & Vendors
  • K-12 Education
  • Manufacturing & Wholesale
  • Professional Service Firms including Accountants, Architects & Engineers, Attorneys, Business Process Outsourcing, Consultants, Real Estate
  • Public Entities
  • Retail & Hospitality
  • Utilities

Jeffrey Norton – Senior Vice President

Public and Non-Profit First Dollar

Public and Non-Profit

The public entity package underwriting team specializes in first dollar business.

This is distributed in the USA in the admitted market through an A.M. Best A (Excellent) rated carrier in target states with the exception of Illinois and Kentucky where Lloyd’s Syndicate 2987 admitted paper will be used. With an average of 25 years experience in the First Dollar market, our team has a reputation of strong expertise in this specialised sector.

Our Product
Package First™
Package First™ enables Brit Global Specialty USA to expand our Public & Non-profit scope from larger clients, with self-insured retentions to smaller Public Entities who purchase a standard deductible package policy.

Clients benefit from robust local underwriting, claims and loss control services offered through our US platform. The Package First™ public entity product coverage includes Property and Inland Marine, Auto Physical Damage, Auto Liability, General Liability, Public Officials’ Liability, Law Enforcement Liability, Employment Practices Liability and Crime.

Loss Control
Loss Control resources are available via our in-house loss control staff on an individual or agency basis. Those looking for the distance learning aspect will receive significantly discounted pricing to our proprietary TEAM™ (Train, Educate and Manage) platform. TEAM™ is a flexible risk management web-based system that provides niche content streams, access to over 100 training topics and user reports to assist the entity in mitigating risk by tracking training efforts.

Package First™ claims are handled by Gallagher Bassett Services Inc., one of the country’s largest claims service providers with a market leading reputation for Public & Non-profit expertise. Claims oversight is handled from our US headquarters in Chicago.

Our Capacity
Property: US $50m per location and higher by special acceptance
Liability coverages: Primary limits of US $1m
Umbrella limits: US $10m

(read more)

Public Entity

Public Entity


Brit Insurance and The Response Network

Brit Insurance is proud to announce an exclusive partnership with The Response Network Inc. (TRN), the emerging leader in the field of law enforcement distance learning in-service training.


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Brit Insurance expands in the US with acquisition of public entity package team
May 10, 2011

Brit Insurance, the international insurance and reinsurance group, has today announced the opening of a new office in Richmond, Virginia to underwrite First Dollar package business for the public entity sector.

Effective from 3rd October, the new team forms part of Brit Insurance Services USA, Inc. (BISI), which is the company’s wholly-owned service company based in Chicago, Illinois.

Nicholas Davies, Executive Vice President of BISI explains:

“Since establishing a US presence in 2009, our Chicago-based Public & Non-Profit Sector team has enhanced our long standing reputation as a market of choice in this specialised sector. Our existing Self Insured Retention product offers broad coverage for property, liability and worker’s compensation in a single all lines aggregate policy tailored for U.S. public entities, schools, religious and higher education institutions. The addition of a dedicated First Dollar team, who will market the product through a network of retail brokers, allows us to expand our Public & Non-Profit Sector scope to smaller Public Entities geared more towards purchasing a standard deductible package policy. This new client base will benefit from the local underwriting, claims and loss control services we now offer through our US platform.”

The Richmond office will (subject to Lloyd’s approval) underwrite on behalf of Brit Syndicate 2987 at Lloyd’s and will be headed by Sharon Wright who will report directly to Nicholas Davies. With over 30 years’ experience, Sharon is moving to Brit Insurance from HCC where she was Senior Vice President of Public Risk Eastern Division. To complete the team, four other colleagues will be joining Sharon from HCC.

Matthew Wilson, CEO of Brit Insurance’s Global Markets business commented:

“We are delighted that Sharon and her colleagues are joining us. Their experience and expertise allows us to complete our already extensive range of products for US public entities. Under Nicholas Davies’ leadership our Chicago-based team increased revenues by 40% in 2010 and we look forward to our colleagues in Richmond contributing to its further growth and enhancing the service that we deliver to brokers and clients across the US.”