Property & Casualty Insurance


The Property & Casualty insurance marketplace is constantly changing and it is important to align yourself with an insurance broker that has the market contacts, experience and bandwidth to bring your risk to the top of the underwriter's submission pile. It is also extremely essential to understand how insurance is priced, be educated on the process and know your options.

As a full service Commercial Property & Casualty broker, Stern Risk Partners doesn't leave the underwriting up to the insurance companies. We pre-underwrite every risk and put our clients in the best position to minimize premiums and drive down their total cost of risk. We maintain relationships with all major insurance companies and utilize the latest technology and modeling tools to evaluate your risk. 

Why choose Stern Risk Partners?

Pre-Underwriting,  RMS Modeling, Captive Management, Integrated Solutions


  • Your insurance brokerage placement is only as good as the individual handling it on your behalf.  Our product specific senior brokers will be handling your placement directly, which means you will get the experience and effort you deserve.
  • We believe in complete transparency throughout the process from information gathering, pre-underwriting the risk and creation of the submission to helping manage your personal relationship with the underwriters.
  • Insurance purchasing is just one component of your total cost of risk.  We provide decades of experience and will evaluate the impact of deductibles, claims, loss control and captive insurance arrangements


  • Renewing every year with the same program doesn't result in superior results.  It is important to look outside of the box and restructure your program to keep up with changing industry dynamics
  • We are leaders in alternative risk programs and integrate that experience with your property and casualty placement as well as any firm in the industry.