Like a conductor leading a finely-tuned orchestra, our “maestro” – Ray Bustamante – works in concert with an ensemble of industry experts to customize coverage to meet the needs of contractors and project owners. The result is a crescendo of coverages that are both innovative in their arrangement and harmonious in their protection.


Insurance for Owners. “The work.” When one reads through the OPUS form, one can see the ease of understanding, simplicity and flow of coverage that the policy offers through its many distinctive parts. It is a monumental task to have an insurance policy not only read but flow as an artistic piece of work. OPUS speaks to our intent to handle claims fairly with the embedded proactive approach, unlike any other form in the marketplace. Like the Marriage of Figaro or Beethoven’s 5th Symphony, OPUS will always be remembered as a lasting work of art.


Insurance for Contractors. “The policy that gets it done”. If you are looking for a workhorse that will not tire and service your most complex professional and pollution liability needs, you have found it in PERFORM. It is a policy that takes care of your business like no other. It is responsive with its per project designated coverage and also incorporates our proactive approach to claims handling. The policy reflects positively on our deep understanding of our insured’s needs and has, in only a short time, become the preferred product for many sophisticated insureds.


Excess Insurance. “Let’s all get along”. You no longer have to plod through potentially distinctive and disruptive terms and conditions to find that you did not really buy a follow form policy. HARMONY is a ten minute exercise in reading and sets the benchmark by which all other excess insurance should follow. HARMONY sets a tone of cooperation and discourse for other insurers when a disruptive claim affects your business.

Products and services described above are provided through various surplus lines insurance company subsidiaries of W. R. Berkley Corporation and offered through licensed surplus lines brokers. Not all products and services may be available in all jurisdictions, and the coverage provided by an insurer is subject to the actual terms and conditions of the policies issued.