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  4. Complex Liability

US Complex Liability.

Facing the challenges of US liability insurance – from the litigious environment and complex legal system to high healthcare costs and evolving complex exposure – requires deep insight. We understand these complexities.

Layered ProgramsRenewables and Emerging Technology Insurance

Our specializations and sectors.

Capabilities that cater to your needs.

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United States
BMS Group
7650 Edinborough Way,
Suite 600, Edina,
MN 55435, USA
+1 (952) 224-0200
© 2026 BMS Group
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Client focused, broker connected.

Our team leads with deep market knowledge and strategic innovation supporting our clients across diverse liability exposures.  Driven by our strategic dual hubs in London and Bermuda, we provide the collaborative energy and consistent execution necessary to take on your most complex risks.

We navigate high stakes liability – offering both conventional and structured placements tailored to each clients needs.

Utility Companies


Energy and Renewables

Life Sciences

Public Entities

Railroad and Trucking

Construction – Residential and Commercial

Healthcare

Habitational

Mining

Food and Beverage

Transit and Logistics

Non-Profit Organizations

General Liability

General Liability

Broad protection against third-party bodily injury and property damage claims

Primary Liability and Lead Umbrella

Primary Liability and Lead Umbrella

Foundational coverage that responds first to major liability risks

Excess Liability

Excess Liability

Additional layers of protection when primary limits are exhausted

Auto Liability

Auto Liability

Coverage for commercial vehicle-related injury, damage, and legal exposure

Standalone Wildfire Liability

Standalone Wildfire Liability

Targeted protection for entities at risk of wildfire-related claims

Environmental – Site Pollution Liability

Environmental – Site Pollution Liability

Coverage for gradual and sudden pollution events at insured locations

Construction Wrap-Ups, OCIPs and CCIPs

Project-specific liability programs for owners, contractors, and subcontractors

Products Liability

Products Liability

Protection against claims arising from defective or harmful products

Positive Wraps

Punitive Damage Wraps

Excess and difference-in-conditions coverages tailored for product recall and liability

Structured Multi-Year, Multi-Line Programmes

Structured Multi-Year, Multi-Line Programs

Custom solutions providing long-term, cross-line liability protection

Excess of Loss

Facultative Reinsurance, Binders and Line Slips

Flexible placement solutions for large or complex individual risks

Deductible Buydowns

Deductible Buydowns

Insurance solutions that reduce the client’s retained liability exposure

Competitive and creative solutions.

Features

  • Seamless market access ensuring the most efficient route to capacity
  • True collaboration across actuarial, analytics and technical teams to provide insights that drive smarter structuring and stronger negotiations
  • Strategic use of both conventional and innovative risk structures

Collaboration driving innovation.

The best outcomes stem from strong partnerships. By collaborating closely with our clients, we integrate our in-house actuarial, meteorological and tech innovation resources. This powerful combination allows us to deliver exceptional results and truly drive success together.

Competitive and creative solutions.

A unified, client focused approach.

We cultivate a strong team culture where cross-functional collaboration drives alignment and success. We work closely with related BMS teams to bring you the best possible outcomes.

Property

Property

With a real depth and breadth of experience, we specialize in complex property insurance and reinsurance placements for retailers, wholesalers, insurers and risk managers, with expertise in industries like Mining, Energy, Manufacturing, Hospitality and Real Estate.

Cyber

Energy

With a deep understanding of the sector and vast experience in program design and placement, we focus on global property, casualty, construction and cyber risks for discerning buyers across the energy spectrum, taking on the most challenging risk profiles.

Renewables and Emerging Technology Insurance

Construction

As a specialist wholesale broker for onshore construction projects around the world, including large energy and infrastructure initiatives, we offer a full life cycle of insurance advisory and placement services, from start to finish, at any scale.

What our clients are saying.

We understand each client’s requirements and risk profiles, and take pride in providing highly personalized solutions. Collaboration is key - by combining our strengths and sharing insights, we’ve achieved remarkable results together.

Thought leadership and a strategic approach to all placements

Your ability to provide additional capacity to fill out these expanded limits was incredibly helpful. We could not have successfully secured these expanded limits without your thought leadership and strategic approach to all placements.

THE INSURED

A claims process that puts your interests first.

A claims process that puts your interests first.

When losses happen, we actively represent and advocate for our clients. We work closely with our claims team with a streamlined process to ensure we get you back on track.

We anticipate 
and act on our clients’ ambitions.
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Risk doesn’t operate in silos, neither do we.

We actively partner with our (re)insurance specialists to gain a broader strategic view. This allows us to challenge conventional thinking and deliver the most effective outcome for you.

Deep expertise that delivers results.

We offer our clients both localized knowledge and global reach.

Resources for a fast-paced world.

When change is a constant, you want to stay informed and stay ahead at all times.

Heavy Auto Exposure Flyer

For a concise synopsis of this product view our Heavy Auto Exposure Flyer.

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