Specialized Industries

No matter what type of industry you’re in, Frost can help you identify and implement the most effective insurance coverage to protect your business. That’s because we’re deeply familiar with a wide range of specialized industries and the unique set of exposures that come with them.

How do we help protect your business for the demands of your industry?

Industry knowledge

We understand the specific insurance needs of the industry—and the field as a whole.

Understanding of risks

Our expert knowledge of the industry risks and exclusions enables us to identify gaps in your coverage.

Dedicated resources

We’re committed to training, development and research to stay up to date on industry trends and new regulations.

Health care is one of the fastest changing industries today, posing a unique set of challenges because of regulatory, legislative and political changes. At Frost, we have extensive knowledge of those risks and regulations, including professional liability, billing, data/privacy issues, clinical trials, facility construction and employee benefits. That’s why we place nearly $10 million in annual premiums in the health care sector. Our focus is on medical groups (e.g. physicians, hospitals, senior care), durable goods manufacturers, medical technology and life sciences.

Our team can help your organization:

• Coordinate and layer coverages
• Customize directors and officers liability policies to complement malpractice coverage
• Design solutions to address federal and state regulations
• Partner with medical malpractice providers who assist physicians with tort reform
• Provide access to our cyber security partner

Businesses in the travel, dining and gaming industry face a range of risks—from food safety to guest behavior to data privacy. Our specialists have expertise in these unique industry challenges and can help protect your company from exposures involving:

• Liquor liability
• Foodborne pathogens
• Americans with Disabilities Act (ADA)
• Hospitality compliance
• Risk reviews and policy design
• Guest safety

Change is constant in the technology industry. That’s why it’s important to have a broker who understands the risks of intellectual property theft, cyber security and information privacy. We offer solutions for companies across the industry, such as IT, electronics, life sciences and telecommunications. We provide:

• Coverage audits
• Customized portals
• Specialized coverage enhancements and exclusive programs
• Benchmarking
• Relationships with technology underwriters
• International coverages (property and liability)

Whether it’s driving and housing clients or managing volunteers, nonprofit organizations face a variety of risks, from the local all the way to the international level. That’s why we take the time to get to know our clients and their risks through conversations, tours and employee interviews. We’ve served more than 600 nonprofits and place just under $10 million in annual premiums. Our coverage addresses these needs:

• Automobile liability and proof of coverage for volunteers
• Abuse and molestation
• Professional liability and D&O coverage
• Life safety issues in housing
• Host liquor liability
• Voluntary accident policies
• Public relations

Construction operations involve a variety of risks. With the countless contractual, liability and environmental exposures, construction companies need expertise navigating the coverages associated with materials and equipment, worksite safety, OSHA, errors in plan design and much more. We place more than $21 million in annual premiums for construction businesses and can customize the coverage you need, such as:

• Contractors’ equipment
• Environmental
• Umbrella/excess liability for construction industry
• Professional liability—construction management
• Wrap up/ROCIP/OCIP/CCIP programs
• Builder’s risk
• Workers' compensation

Public entities have to protect themselves from everything from natural disasters and health epidemics to corporate governance and slip and falls. At Frost, we place more than $13 million in annual premiums for school districts, government institutions, utilities and other organizations. Our team of specialists has the expertise to provide:

• Program management
  • Customizable online tools, training, certificates and services
  • Policy and claims information
  • Digital forms and checklists
• Risk control planning
  • Loss prevention
  • Compliance
  • Safety and security audits
• Claims management (RMIS systems)
  • Program design
  • Relationships with beneficial third-party administrators (TPAs)

The energy industry is fraught with environmental exposures and regulatory changes, as well as risks associated with the equipment, tools and crews. We understand these complexities and challenges. And we’ll sit down with you to identify coverages in these areas:

• Oil and gas
  • Drilling: Upstream and downstream
  • Pipeline: Onshore and offshore
  • Distribution: Ground to gas pump
  • Ancillary services: Contractual review
• Renewable energy
• Environmental
• Regulatory

Companies in the transportation industry not only face risks related to fleet safety, auto liability and occupational accidents, but also need to comply with regulations. Our team is well-versed in these unique risks and can provide:

• Review of fleet management programs
• Criteria for a driver recruiting programs
• Compliance with TXDOT and FMCSA
• Long haul, intermediate and bobtail coverage
• Identification of warehouse exposures
• Occupational accident issues in lieu of workers’ compensation

Auto dealers have to worry about protecting their fleets from natural disasters and damage, safety, misleading advertising and many other issues. Our expert team will carefully analyze your property and help identify protection for:

• Fluctuating inventory coverage needs
• Open lot coverage
• Hail coverage
• Garage liability
• Auto liability
• Privacy and security
• Errors and emission issues (Lemon Law)
• Pollution and environmental issues