All-Risk / Special Perils 
The all-risk policy is often called a special perils policy because it does not technically cover “all risks.” REU has several underwriting programs and open market access for placement of special perils, as well as access to companies who write packages.
Builder’s Risk / COC 
Builder’s Risk or “Course of Construction” covers projects during the building phase of a structure. Providing coverage for the same hazards as completed properties, policies can be written for anything from a single family dwelling to a major water project or stadium in some markets.
Commercial General Liability & Products Liability 
Coverage includes accidental bodily injury or property damage that results from either a condition on the insured’s premises or the insured’s operation in progress. Policies cover incidents whether they happen on or away from the insured’s premises.
Markets with an A.M. Best rating of A-:VII or better offered — both admitted and non-admitted carriers. Coverage is available for general contractors, trade/artisan contractors, railroad protectives, OCP’s and special projects.
Difference in Conditions (DIC) 
DIC is usually written so it “wraps around” an all-risk/special perils policy but adds one or more individual coverages such as earthquake, flood or wind.
Directors and Officers Liability (D&O) 
D&O coverage is highly recommended for publicly held, closely held and not-for-profit organizations. We’re able to arrange difficult primary and excess coverage for non-standard or distressed risks.
Earthquake, Flood and Wind 
Coverage for these and other perils is available on a difference in conditions (DIC) form, or as part of an all-risk/special perils policy. Capacity is available nationwide, with minimum premiums as low as $5,000.
Employment Practices Liability (EPL) 
As the number of employment-related claims increases, so does the potential financial risk to companies. We offer comprehensive employment practices liability coverage and several in-house exclusive programs with broad coverage.
Multiple programs and brokerage services are available to cover oil and gas lease operators, drilling and well service contractors, drillers, non-operating working interest owners, and more. We focus on mid- to large-sized onshore and offshore operations, including foreign exposures.
When it comes to placing specialized environmental coverage, we offer unsurpassed market access and expertise. Our relationships with large environmental carriers, as well as excess and surplus lines carriers that write specific segments in the environmental field, allow us to provide the solutions you need.
Errors & Omissions (E&O) 
E&O coverage (see also Professional Liability) protects professionals and their businesses from a myriad of potential liability exposures. We have long-term, valued relationships with top E&O/Professional carriers and cover an extensive list of standard and difficult-to-place classes.
Excess Liability 
Excess Liability (also known as Umbrella Liability) gives you additional coverage when a claim exceeds an underlying policy’s insurance limits. You can add an Excess Liability policy to your General Liability, Hired and Non-Owned Auto Liability, as well as Employer’s Liability coverage.
Foreign Accident/Medical 
Coverage for company or family traveling abroad.
General Liability 
With experience in a host of industries, our experts know where to find the best solutions. Think of REU as your go-to resource for difficult casualty risks.
Inland Marine 
Because the Inland marine business demands a certain expertise to secure the best terms and conditions, we partner with a number of exceptional providers that can help cover everything from the basic contractor’s equipment to floaters and builder’s risk.
Jewelers Block/Fine Arts 
From jewelers and manufacturers to wholesalers and pawnbrokers, protection can be provided to cover insured property on- and off-site. Extensions include theft damage to buildings and coverage for certain transits. We’re happy to work with you to customize the coverage you need.
Liquor Liability 
We offer an exclusive program designed to provide coverage across all classes — bars, nightclubs, restaurants, golf courses, etc. — to help ensure businesses have adequate general and liquor liability coverage.
Coverage provided for all types of mining (except radioactive materials) including sand and gravel pits, quarries, underground and surface. Workers’ compensation is provided for related business when a majority of their work is done for the mining industry. This would include truckers, mechanics, equipment dealers, machine shops, drilling contractors and suppliers.
With packages that cover property and liability exposures, our markets consider both the special perils and basic form with an occurrence liability cover.
Professional Liability 
Professional Liability coverage (see also Errors & Omissions) protects professionals and their businesses from potential liability exposures. Our E&O/professional specialists assist agents in qualifying submissions and negotiating terms and conditions with underwriters. Virtually no class is too unusual for us to place.
We provide both primary and excess coverage, as well as protection for inland marine exposures. We also have access to markets that will write high value dwellings, brush property and homes in other countries.
Railroad Protective 
Railroad Protective Liability Insurance offers liability coverage to Railroads for work being performed by contractors on or within 50 feet of a railroad.
Transportation (Trucking & Public Auto) 
Highly dedicated to providing superior coverage for transportation exposures, we offer a broad range of coverage backed by top-rated carriers, including: auto liability (primary & excess), physical damage, cargo, general liability and garage liability.
Looking for an umbrella policy to supplement general liability coverage? We offer access to the industry’s best sources. Umbrella/Excess coverage not only provides business owners an extra layer of protection, but also peace of mind.
Underground Storage Tanks 
We offer liability coverage for third-party bodily injury and property damage from pollution conditions emanating from scheduled storage tanks. The policy also provides coverage for corrective action and cleanup as required by applicable federal and state regulations.
Workers’ Compensation 
We can write workers’ comp for truckers, contractors, wholesalers, retailers, restaurants, manufacturers and most other classes of business.