Alternative Risk Package

Specialty clients require custom solutions. At Brit, our Alternative Risk 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 Alternative Risk 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.

Sectors include

  • Cities
  • Counties
  • Public & Private Schools
  • Colleges and Universities
  • State Governments
  • Special Districts
  • Pools
  • Tribal Nations
  • Not For-Profit Organizations
  • Religious


  • Insurance or Reinsurance - primary, excess, memorandum of coverage
  • The client, with an approved TPA or claim’s staff, administers all claims and implements defense strategies
  • Clash coverage provides that only a single SIR applies to a covered loss involving multiple lines of coverage
  • Claim dollars remain with the client until paid increasing income potential
  • Rewards the retention of attritional losses within the SIR
  • Allows risk transfer of catastrophic losses to specific insurance
  • Reduces expense associated with the purchase of individual policies
  • Provides free access to the Brit TEAM platform and loss control dollars may be available for approved risk management initiatives
  • Stand Alone Terrorism available to higher limits or TRIPRA
  • Will quota share with other carriers on larger risks


  • Liability: $15m

  • Property: $5m

    any one occurrence

  • WC: $1m

The Alternative Risk Package 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