Business Details
26 Years
experience
Specialty Insurance Brokerage Solutions in Charlotte, NC
American Special Risk (ASR) is an independent specialty insurance broker and program manager established in 2000. We specialize in providing innovative insurance solutions for complex and challenging risks, working directly with retail agents, MGAs, and insurance companies. Our boutique-style approach combines the expertise of a large broker with personalized service, accountability, and focused resources to create successful outcomes for clients and underwriters in the US and London. Built on a foundation of specialization, we offer deep market access and tailored solutions for global specialty lines, prioritizing integrity, service, and expertise. Our privately held, entrepreneurial structure ensures we understand the challenges of our clients' businesses, enabling us to deliver measurable results through responsive, flexible partnerships.We emphasize efficient administration, claims handling, and risk management support while maintaining a customer-centric approach. Our specialization spans casualty, commercial property, crime, cyber, inland marine, management liability, private client programs, and niche specialty markets. With a focus on A-rated insurers and global reach, we provide capacity for high-value and hard-to-place risks, including coastal property, financial services, and emerging risks. Our commitment to transparency, prompt communication, and problem-solving ensures clients receive dedicated support for their toughest insurance challenges.
Services
Casualty Insurance
Commercial Property
Crime Coverage
Cyber Insurance
Inland Marine
Management Liability
Private Client Programs
Program Development
Details
- Year established: 2000
Highlights and features
- We specialize in hard-to-place risks with access to global specialty markets.
- Our boutique model provides personalized service with large-broker expertise.
- We partner exclusively with A-rated insurers for financial security.
- Our team has decades of experience in specialty insurance underwriting.
- We offer dedicated claims handling and risk management support.
Services
Casualty Insurance
We provide specialty casualty solutions for industries like real estate, hospitality, and sports/entertainment. Our coverage includes primary/excess liability with limits up to $5 million, available on occurrence or claims-made bases. We structure policies for complex organizations facing evolving legal/regulatory environments, focusing on accounts with severe claims rather than frequency.
Commercial Property
Our commercial property insurance covers wind/hail risks for properties valued $5M-$250M, with expertise in Tier 1 coastal areas. We offer all-risk coverage (excluding flood/earthquake), layered placements, and deductible buy-back options for sectors including real estate, healthcare, and manufacturing. Our solutions combine market access with tailored risk management strategies.
Crime Insurance
We specialize in crime insurance covering employee dishonesty, computer fraud, and third-party property risks. Our solutions protect financial institutions, retailers, and specialty sectors like ATMs and precious metals. With partnerships across leading US and London insurers, we provide comprehensive coverage for both small entities and Fortune 500 companies.
Inland Marine
Our inland marine insurance protects construction equipment, fine art, and transportation cargo. We offer customized solutions through A-rated carriers for high-value, mobile property risks. Our expertise includes builders risk, motor truck cargo liability, and specialty mobile machinery coverage with access to domestic and Lloyd's markets.
Private Client Programs
We provide tailored homeowners insurance for properties valued over $750K, including coastal residences and vacation homes. Our coverage includes fine arts, watercraft, flood, and builders risk with limits up to $50M in non-catastrophe areas. We offer flexible policy terms and replacement cost coverage for high-net-worth individuals.
Questions
What types of specialty insurance do you offer?
We specialize in casualty, commercial property, crime, cyber, inland marine, management liability, private client programs, and specialty risk solutions for hard-to-place exposures.
Do you work with international markets?
Yes, we partner with leading insurers at Lloyd's of London and US excess/surplus lines markets to provide global coverage solutions for specialty risks.
What is your minimum property value for coverage?
We focus on properties valued $5 million and above for commercial property insurance, with specialized programs for high-value residential properties starting at $750,000.
How do you handle claims processing?
Our dedicated claims team works directly with policyholders and A-rated insurers to ensure prompt, efficient resolution of claims with specialized expertise in complex loss scenarios.
Can you develop custom insurance programs?
Yes, we create tailored programs for niche markets with minimum annual premiums of $2.5 million, offering binding authorities, captives, and risk retention group solutions.
What risk management services do you provide?
We offer risk assessment, loss control strategies, and customized mitigation plans through partnerships with leading specialists in construction, cyber security, and property protection.
