SPECIALTY PROGRAMS

Expert coverage for vertical industries’ special needs

Every business faces risks, and highly-specialized businesses need special expertise to reduce uncertainty. So we at The Hilb Group make your specialty our priority, and get to know the needs of vertical industries before we engage with clients. We’re fully prepared to offer traditional and non-traditional solutions that will reduce your risk and help ensure your success.

Key coverage for cosmetic surgeons

Cosmetic surgeons aren’t immune from complications following surgeries. So CosmeticProtect is a unique insurance product that provides your patients with protection from costs when complications occur.

Your practice can purchase CosmeticProtect to provide coverage for 24 of the most common cosmetic surgeries. These procedures are covered through an online, web-based enrollment process, which allows you or your staff to enroll patients in 60 seconds or less. In addition, CosmeticProtect provides your practice with online reporting and account management, granting you a better understanding of your practice.

Patients can receive benefits in the event of a covered complication by enrolling through your office and seeking treatment if a complication results in an unscheduled inpatient admission to a hospital, a hospital emergency visit, or  ambulance service to a hospital. This coverage extends for 45 days following a qualifying surgical procedure.

To qualify for CosmeticProtect, you must be a Board Certified and Board Eligible plastic surgeon.

This important product gives your practice the protection it deserves, and we’d be happy to explain further or provide you with a quote.

Offer added value to your group or association with insurance products tailored to their needs

One of the Hilb Group’s members, EAI/J. J. Jerome Associates Inc., has been providing insurance and financial services for individuals, professionals, and business owners for 60+ years.

In our world, needs are constantly changing which is why our programs and services are designed to satisfy all your demands.

Our proprietary group insurance programs consist of:

  • Business Overhead Expense Insurance
  • Disability Income Insurance
  • Life Insurance
  • Long-Term Care Insurance

For the past 63 years, we have represented the Nassau and Suffolk Medical Societies. Presently, we administer programs for:

  • The Medical Society of the State of New York
  • New York State Ophthalmology Society
  • American Academy of Pediatrics (New York Chapters, New York State Academy of General Dentistry)

We are proud to be endorsed by a variety of New York State Dental Societies.
To contact us, email us at: info@eaijjj.com or call us at: 800-556-1700.

Programs for smooth sailing

Vessel operators and boatyard owners can enjoy rewards, but you also face unusual risks. The Hilb Group has marine specialists who know the business as well as you do and can help you manage those risks.

We’ve worked on the docks and for boat builders. We’ve maintained yachts and delivered them. We’ve worked as underwriters and claims adjustors. And our  decades of experience translate into successful insurance programs known in ports across the country.

HarborTow. Developed for marine-assistance towers and salvors, the HarborTow package provides coverage for liability, diving, hull and machinery, and equipment, blending underwriting strength and marine expertise.

HarborPro. HarborPro covers a wide array marine risks, including repair, dock building, yacht detailing or passenger-boat operation. Like HarborTow, it integrates general and marine liability coverage on one form – for one price.

HarborGuard. Endorsed by the American Sailing Association, HarborGuard is designed for boating schools, clubs, and charter-boat fleets, and offers hull, P&I, and business liability.

At The Hilb Group, we recognize that your time is valuable, so our applications are short, concise and entirely understandable – typically three pages instead of the customary 40.

Show us your current coverage – and discover what you’re missing.

Coverage built to ensure success

You have tough customers to satisfy, performance deadlines to meet, new contracts to win — and little time to get it all done. You certainly don’t have time to train your insurance advisor. The Hilb Group’s Construction Practice Group is immersed in the construction industry, and deeply networked to offer you instant and continuous access to an uncommon knowledge base.

From sophisticated bonding solutions to advanced insurance strategies, from property and casualty coverage to employee benefits compliance expertise, we’re redefining superior risk management for a growing roster of clients.

Surety is a specialty within our specialty — the lifeblood of many contractors, and a vital component in building structures, roads, bridges and tunnels. Our surety specialists know what it takes to establish lines of credit and fully support your business plan.

The executives you meet on the first day are also your day-to-day contacts, always there to talk strategy, recommend solutions and take ownership of your risk-management challenges. We’re hands-on. Just like you are.

Your business is riskier than most, so make the rock-solid choice. Call the industry advisors at The Hilb Group today.

Financial protection with understanding and experience

For financial institutions, no solution can be off-the-shelf, because you can’t be too careful with risks. One false keystroke can rudely acquaint your institution with the limits of your privacy liability coverage. Another can instantly compromise data security.

At The Hilb Group, we realize that leading banks, credit unions and insurance companies face a unique set of risks, so we’re already prepared to meet every one of them.

With that preparation in place, we take the time to thoroughly understand your particular organization, your vision, your opportunities and your risks before developing an insurance program as unique as your organization. From coverage for professional liability to harassment – from property and casualty to employee benefits compliance — we’re redefining risk management for a growing roster of clients.

With the Financial Institutions Practice Group, the executives you meet on the first day are also your day-to-day contacts, always there to talk strategy, recommend solutions and take ownership of your risk-management challenges. We’re hands-on. Just like you are.

For institutional, employee-benefits and private-client solutions, call the industry advisors at The Hilb Group today.

Our focus is customer satisfaction … just like yours

Just like you, we’re in the customer satisfaction business. In hospitality, liability lurks around every corner, so we’ll make sure you’re as protected as you are profitable.

The professionals of The Hilb Group’s Hospitality Practice Group take the time to thoroughly understand your business, your vision, your opportunities and your risks to develop an insurance program as unique as your business. From property and casualty coverage to employee benefits compliance expertise, we’re redefining risk management for a growing roster of clients.

We offer seminars on everything from liquor liability to limiting your exposure to third-party discrimination. We survey your employment practices and manage your workers compensation risk through safety seminars. We can limit your risk from spoilage when the power goes out. And we can indemnify you against credit card processing breaches when the system goes down.

The executives you meet on the first day are also your day-to-day contacts, always there to talk strategy, recommend solutions and take ownership of your risk-management challenges. We’re hands-on. Just like you are.

For hospitality, employee-benefits and private-client solutions, call the industry advisors at The Hilb Group today.

Not-for-profit shouldn’t mean "not protected"

We’re proactive partners in safeguarding your non-profit’s mission and vision by minimizing your risks. The Hilb Group understands that not-for-profit organizations need to keep a laser focus on their constituents and their mission. So we take on the responsibility taking risk out of the equation.

We’ve built our Non-Profit Practice Group to protect housing authorities, nursing homes, home health agencies, mental health centers, assisted living facilities and similar organizations. Our long experience makes us experts in everything from the complexities of contractual risk transfer to making sure that your snow removal vendor is indemnifying your organization.

We take the time to thoroughly understand your organization, your vision and your risks before developing an insurance program as unique as you are. We can recommend everything from coverage for directors and officers to professional liability to workers comp.

When you work with the Non-Profit Practice Group, the executives you meet on the first day are also your day-to-day contacts, always there to talk strategy, recommend solutions and take ownership of your risk-management challenges. We’re hands-on. Just like you are.

For not-for-profit, employee-benefits and private-client solutions, call the industry advisors at The Hilb Group today.

Maximizing manufacturing opportunities by minimizing exposure

The world continues to shrink. Today, manufacturers of every size and description are taking advantage of this reality by sourcing, fabricating, assembling and shipping all over the planet.

We understand, though, that when your “territory” is this large, your risk is correspondingly outsized. Depending upon the country where your product ends up, you may not be covered for product liability. Or if your supplier burns to the ground, you may not be indemnified against business interruption or loss of profit.

That’s where our global perspective has its advantages. At The Hilb Group, we’ve built our Manufacturing Practice Group to meet your every contingency, both home and away.

We start by taking the time to thoroughly understand your business, your vision, your opportunities and your risks before developing an insurance program as unique as your business. From coverage for product liability to cargo, from property and casualty to employee benefits compliance, and even kidnap and ransom policies for executives, we’re redefining risk management.

The executives you meet on the first day are also your day-to-day contacts, always there to talk strategy, recommend solutions and take ownership of your risk-management challenges. We’re hands-on. Just like you are.

For manufacturing, employee-benefits and private-client solutions, call the industry advisors at The Hilb Group today.

Protecting professionals to safeguard your futures

You’re an architect. Or a lawyer. Or an advertising executive. You’re good at what you do, but you may not be aware of your exposure, your contractual duties, and what you’re responsible for.

In an increasingly litigious age, The Hilb Group can be your partner – one that understands the nuances of your industry before someone decides you’re professionally liable.

We understand that architects, law firms, advertising agencies, real estate offices, temp agencies and similar organizations face a unique set of risks, and our  Professional Services Group is capable of responding to every contingency.

We take the time to thoroughly understand your organization, your vision and your risks before developing an insurance program as unique as your organization. Our in-depth understanding can protect you against errors and omissions coverage – provide industry-specific property and casualty solutions – or design employee-benefits liability programs.

The executives you meet on the first day are also your day-to-day contacts, always there to talk strategy, recommend solutions and take ownership of your risk-management challenges. We’re hands-on. Just like you are. And you’ll quickly see what you’re missing.

For professional-services, employee-benefits and private-client solutions, call the industry advisors at The Hilb Group today.

We take a proprietary interest in your properties

For people who own or develop properties, life is a series of risks. You might unknowingly build on an environmentally compromised site, for example. The liability is all yours, which means your project and lending capabilities are now severely threatened.

The real estate experts at The Hilb Group are well aware of exposures like this one and many more — and we’re well-versed in developing plans to manage these risks. We’ve routinely managed multi-million dollar real estate schedules, and insured apartment and condo complexes, commercial buildings, malls and manufacturing sites.

Despite your unique set of risks, our Real Estate Practice can meet every one. We start by taking the time to thoroughly understand your organization, your vision, and your opportunities. Then we develop an insurance program as unique as your schedule of properties.

From environmental liability and builders-risk to tenant discrimination and loss-of-rents coverage, and from property and casualty coverage to employee benefits compliance expertise, The Hilb Group is redefining risk management for a growing roster of clients. And the executives you meet on the first day are also your day-to-day contacts, always there to talk strategy, recommend solutions and take ownership of your risk-management challenges.

For real-estate, employee-benefits and private-client solutions, call the industry advisors at The Hilb Group today.

Protect your inventory, employees and reputation

We’ve worked with retail customers since 1928, and we know the many risks you run. In response, we’ve built The Hilb Group Retail Practice to meet every contingency, whether your business model is bricks-and-mortar or click-to-order.

We partner with you every step of the way to ensure that you’re as protected as you are profitable. We’ll survey your employment practices to ensure they’re the best. We can indemnify you against credit-card processing breaches. Or manage your workers’ compensation risk through safety seminars, and even help you manage your inventory by introducing market-leading loss-control programs.

We start by listening, and taking the time to thoroughly understand your business, your vision, your opportunities and your risks. That helps us to develop an insurance program as unique as your business, with unsurpassed protection, online and off.

The executives you meet on the first day are also your day-to-day contacts, always there to talk strategy, recommend solutions and take ownership of your risk-management challenges. Your goal is to keep your registers ringing. That’s our goal, too.

For retail, employee-benefits and private-client solutions, call the industry advisors at The Hilb Group today

We “get” tech

For our technology clients, nothing can be off-the-shelf. These days, the promise of innovation and the provision of technology are nearly matched by their perils.

We work with tech firms all the time, and understand that ene false keystroke can rudely acquaint your company with the limits of your privacy liability coverage. Another can instantly compromise network security. Hackers seemingly lurk everywhere. Your intellectual property can walk out the door with a suddenly disgruntled employee. And the regulatory landscape changes constantly.

Clearly, when it’s time to choose an insurance advisor, you can’t afford to deal with amateurs, so we’ve built The Hilb Group Technology Practice to meet the risks faced by value-added resellers, custom software vendors, tech consultants and others.
We take the time to thoroughly understand your organization, your vision and your risks before developing an insurance program as unique as your business. From errors and omissions to identity theft, from customized, industry-specific property and casualty solutions to employee-benefits liability programs, we’re redefining risk management.

The executives you meet on the first day are also your day-to-day contacts, always there to talk strategy, recommend solutions and take ownership of your risk-management challenges. We’re hands-on. Just like you are.

For technology, employee-benefits and private-client solutions, call the industry advisors at The Hilb Group today.

Meeting the challenges of increasingly global distribution

When your business is importing or distributing, you get around because your business is everywhere. When you have facilities abroad, cargo at sea and a fleet on the road, there are countless moving parts and risks of all types.

We understand this, and we’ve built The Hilb Group Wholesale Distributors Practice to meet your every contingency, both home and away. And we provide peace of mind to a host of increasingly global players — from coverage for product liability to cargo, from property and casualty to employee benefits compliance expertise, we have the expertise you need.

When you engage with The Hilb Group, we’ll start by listening. We take the time to thoroughly understand your business, your vision, your opportunities and your risks. Then we’ll work with you to develop an insurance program as unique as your business. And the executives you meet on the first day are also your day-to-day contacts, always there to talk strategy, recommend solutions and take ownership of your risk-management challenges. We’re hands-on. Just like you are.

For wholesale-distribution, employee-benefits and private-client solutions, call the industry advisors at The Hilb Group today.

We’ll keep your company rolling – with reduced risk

Transportation is the backbone of the economy. Trucking firms, waste haulers, recyclers, or livery services, delivery is a core function of your business. The Hilb Group’s Transportation Group specialists understand your business, and have years of experience dealing with your unique challenges.

We’ve seen the continual risks that you face on our roadways. We understand federal and state regulations. We’re experts in factors like fuel costs, labor costs, political risks and claims frequency, and know how they can cause significant fluctuations in your operating costs.

When you partner with The Hilb Group’s Transportation Group, you’ll find that there is no “hand-off” to a second string team. The executives you meet on the first day are continually involved with you to talk strategy, recommend solutions, and take ownership of your risk-management challenges. This is a hands-on business, just like yours.

For wholesale-distribution, employee-benefits and private-client solutions, call the industry advisors at The Hilb Group today.

Protect your business from risks associated with the outdoor industry


With the outdoors being so expansive, naturally so are our coverage options for you. To show our support for safe outdoor adventures, we have developed coverages for:

Dude Ranches

  • Liability
  • Horse Mortality
  • Care, Custody, and Control of Non-Owned Horses
  • Custom and Elite Hospitality Broadened Coverage Forms
  • Business Interruptions
  • Mechanical Breakdown
  • Commercial Excess/Umbrella Liability
  • Inland Marine
  • Crimes
  • Property
  • Key Employee Replacement
  • Commercial Auto
  • Fire Legal

Guides & Outfitters, Rod & Gun Clubs, and Hunting/Fishing Lodges

  • North American Big Game Guides & Outfitters
  • Fishing Guides
  • Float Trip Outfitters
  • Upland Bird & Waterfowl Hunting Guides
  • Pack Trip Outfitters
  • Backpacking & Wilderness Camping
  • Nature Tours, Wildlife Study, and Photography
  • Private Rod & Gun Clubs
  • Wing Shooting and Fly Fishing Resorts
  • Hunting Lodges
  • Southern Sporting Plantations

Engaging in outdoor activities is a wonderful escape from the workplace’s demands and life’s monotony. Certain adventures possess more risks than others, but with our coverages, your protection is guaranteed.