Property & Casualty

Can a broker manage your property risks without understanding your business and industry? We believe the answer is no—that’s why our property team works to understand your risks and corporate strategies to give you customized coverage options. We’ll also guide you through risk mitigation steps to help you minimize property loss and reduce costs.

Managing casualty risk is about finding balance—between the cost of insurance and the volatility of uninsured losses. From general liability and workers' comp to auto and products liability, we'll help you achieve a balanced casualty risk financing strategy. Our casualty specialists support you with program options that align with your goals, advise on ways to lower your costs, and help you make informed insurance purchasing decisions.

We guide you in risk mitigation steps to help you operate in a safer environment, show up favorably with underwriters, and reduce costs. Our dedicated, in-house engineers work directly with you to assist with engineering analysis, loss control recommendations, valuations, and COPE data.

Your employees’ safety is paramount—and it also affects your bottom line. Our loss control specialists provide analysis and strategies to address a wide variety of issues. From federal compliance to carrier loss control recommendations, we’ll work with you to ensure your workplace is safe.

Joining a captive insurance group is an alternative way to manage risk—offering control, consistency, and a way to stabilize your cost of risk over time. Woodruff Sawyer’s captive experts guide you through an unbiased process to determine whether you’re a good candidate for a captive. We remain with you every step of the way, from evaluating and joining the right captive to ongoing support.

For many projects, a commercial or contract surety bond is essential. Few brokers have Woodruff Sawyer’s depth of surety specialization and expertise. We have the market access to get you more surety options, and the expertise to match you with the appropriate surety based on your business plan.