Specialty clients require custom solutions. At Brit, our SIR Package product provides Public and Non-Profit clients with the flexibility to create a structure, claims approach and loss control program that meets their individual needs.

Put simply, our SIR Package product is an excess or reinsurance product with a wide range of coverages including Property, Auto Physical Damage, General Liability, Automobile Liability, Errors & Omissions including Employment Practices Liability, Workers Compensation, Law Enforcement Activities Liability, Crime, Terrorism, Cyber Liability, Crisis Management and Student Practices Liability - all in a single all-lines aggregate policy with clash coverage provided as standard.

Stop Loss or Aggregate excess insurance may be added to provide budget protection, thereby protecting the insured from unexpected loss frequency.  Our underwriters have the experience and expertise to help you create a program structure that aligns with our clients needs.

Commercial Risk Appetite

  • Cities and Townships
  • Counties
  • Public and Private Schools
  • Colleges and Universities
  • State Governments
  • Special Districts
  • Pools and Captives
  • Transit and Housing
  • Religious Institutions
  • Not For-Profit Organizations


  • Insurance or Reinsurance - primary, excess or quota share.
  • The client administers all claims and implements defense strategies with an approved claims TPA or in-house staff.
  • Clash coverage provides that only a single SIR applies to a covered loss involving multiple lines of coverage.
  • Allows risk transfer of catastrophic losses to specific insurance.
  • Reduces costs associated with purchasing multiple individual insurance policies.
  • Reduces expense associated with the purchase of individual policies.
  • Brit's unique TEAM platform offers cutting edge loss control services to all clients.


  • Liability: $15m

  • Property: $25m

    any one occurrence

  • WC: $1m

The SIR product is unique for the opportunity it affords our Public and Non-Profit clients to manage their individual risk and act as their own insurance company. It empowers our clients to administer a risk management program tailored specifically to their needs, returning substantial savings back to the entity.

Douglas M. Trainor, Executive Vice President