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Liability.

Our International and US Complex Liability teams master your most intricate global risks with unparalleled expertise and connected solutions.

Liability.Liability.

What we cover.

Meeting your exact needs.

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United Kingdom
BMS Group
One America Square, London EC3N 2LS, UK
+44 (0) 2074 807 288
© 2025 BMS Group
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Cross-border thinking, sector- specific expertise.

Our Liability team leverages a global network to navigate complex, high-exposure risks. From our London and Bermuda offices, we access the global market, delivering clarity, flexibility, and results. We collaborate closely with clients, providing deep sector expertise, tailored programs, and innovative solutions that address emerging liabilities and regulatory challenges.

An integrated approach.

Why BMS Liability?

  • Deep technical expertise across US, International and multinational exposures
  • A collaborative, problem solving culture that thrives on complexity
  • In-house actuarial, modelling and innovation specialists
  • Forward thinking structure for unique and emerging risks
  • Proven track record across placement, service and claims resolution

An integrated approach.

Navigating the world's most intricate liability risks demands unparalleled expertise and truly connected solutions. Our dedicated International and US Complex Liability teams are strategically positioned to deliver precisely that, giving you the control and confidence to master complex risks.

An integrated approach.

Primary Liability

Core protection for businesses against third-party claims and lawsuits

Excess Liability and Lead Umbrella

Additional layers of cover to extend and strengthen liability programs

Auto and Transportation Liability

Coverage for vehicle-related accidents, injuries, and property damage

Products Liability and Recall

Safeguards for manufacturers facing defect claims or product recalls

Wildfire and Environmental Liability

Protection against environmental damage, pollution, and wildfire risks

Single Project and Annual Construction

Tailored cover for complex construction and infrastructure projects

Medical Malpractice

Coverage for healthcare professionals facing negligence claims and lawsuits

Structured Multi-Year, Multi-Line Solutions

Flexible multi-year programs combining multiple lines of liability cover

Deductible Buydowns

Solutions to reduce self-insured retentions and deductible exposures

Facultative Reinsurance, Binders and Line Slips

Bespoke reinsurance options for individual risks and portfolio placements

Professional Indemnity (PI)

Protection for professionals against negligence, errors, and omissions claims

Public, Products and Employers Liability

Comprehensive cover for third-party, product, and workplace liability exposures

Explore further.

We meet the exact needs of different markets through localised expertise, but we also have the global reach to provide solutions and scale across different geographies.

International Liability

International Liability

For global PI, product-related risk, emerging sectors and cross-border expertise

U.S. Complex Liability

U.S. Complex Liability

For U.S.-based high-hazard, structured and specialty liability programs

When you’re looking for solutions,
you need a partner who listens.