Property & Casualty

You need an insurance partner who is willing to get their hands dirty, to use their years of experience and access to world-class resources to dig into your business, find gaps in your current coverage, and uncover potential risks that you need to prepare for.

Consider us an extension of your team, dedicated to guiding and protecting you, your business, and your employees from risk with high-touch attention and top-shelf expertise.

Introducing Pulse: 2024 Property & Casualty Report

Through the lens of rate and risk, we examine how the property & casualty market is affecting our clients across lines of coverage and industry sectors, and what risks we are predicting will be a focus throughout 2024.


Specializing to Serve You Better

Defend Yourself from Cyber Strikes Before They Happen

It’s not a matter of “if”, but “when”. M3 staffs cyber liability experts to keep you up to speed on the growing risks associated with data loss, from hacking, equipment theſt, employee fraud, negligence, and more – and ensure you’re covered when a cyber-attack strikes.

Get to Know our Cyber Liability Team

Management Liability

M3 understands the need for comprehensive coverage that’s tailored to the unique needs of your people and your company. Management liability insurance provides a wide range of protection to business owners and principals. Jeanne Flanagan, M3’s director of management liability, can work with you so you have the right protections in place:

  • Directors & Officers Liability
  • Errors & Omissions Liability
  • Fiduciary Liability
  • Employment Practices Liability
  • Fidelity & Crime

Experienced with ESOPs

As a company that offers an Employee Stock Ownership Plan (ESOP), you have access to a range of valuable benefits. ESOPs serve as effective instruments of growth and provide a competitive edge for your employees. However, it is important to be aware of potential challenges, such as those related to insurance coverage.

M3’s team of ESOP specialists serve as knowledgeable advisors, offering guidance for your coverage requirements, compliance concerns, and placement within the insurance marketplace.

Learn more about M3’s experience with ESOPs

Captive Solutions That Fit Your Company

M3 takes a uniquely independent approach to property & casualty captives. Led by Brendan Bush, J.D., our clients can feel confident knowing that our team brings customized property and casualty captives solutions to the table based on the client’s goals and individual risk profile. This independence allows us to remain on the same side of the table as our clients, gives us leverage in the marketplace, and ensures our clients are provided options and guided toward a solution that is best for them.


Rapid Response & Recovery

Chris Halverson, director of rapid response & recovery, has helped clients navigate their toughest moments for over 30 years. From activating recovery teams and consulting on risks and exposures in real-time to establishing a communication channel between the business, employees, and the media, Chris is there for our clients when they need it most.

MORE ABout M3 Rapid Response & Recovery

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Insuring Your Global Risk

Multinational organizations face complex challenges in today’s global marketplace. M3 deploys our relationships with our international partners, unisonSteadfast, Assurex Global, and Euribron, to provide clients with the creative solutions and service they need on the ground, ensuring alignment with cultural, language, and legal requirements.

Risk Management Services

Loss Control + Prevention

Loss control and prevention is the cornerstone of any risk management strategy, but it’s only when tactics are completely customized to your business that you see impactful results. We make it our business to meet you where you are, ask the right questions, and provide risk management solutions that empower you to successfully manage your exposures.

  • Workers’ compensation programs
  • In-house risk managers and safety consultants
  • Risk assessment/risk control audits
  • Site surveys
  • Regulatory & OSHA training & compliance
  • Loss analysis
  • Training programs, return-to-work programs, drug and alcohol testing
  • Ergonomic planning and evaluations
  • Safety & environmental program development & best practices
  • OSHA compliance consultations
  • Business continuity planning
P&C - Loss Control and Prevention

Certified Industrial Hygienist

M3 clients have full-time access to Paul Klein for expertise in industrial ventilation system design, evaluation, and performance. We encourage our clients to think of M3’s risk management resources as a direct extension of their team, someone that they can call directly when they have a question or concern. That kind of experience and 1:1 interaction can save you time and money when it comes to claims down the road.


Data Analytics

Leverage our data analysis team for data visualization and benchmarking that can help you predict trends and proactively manage your risk.

  • Advanced analytics and modeling
  • Industry benchmarking
  • Loss forecasting
  • Mod projection and verification
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Going the Extra Mile to Save You Experience Modification Points

M3 takes the extra step when it comes to workers’ compensation data, and our attention to detail in the mod verification process has resulted in significant savings for our clients. We’ve helped clients save points on their experience modification factor by verifying the accuracy of the reported data and identifying any applicable rules for re-filing claims.


P&C - Mod Points

Claims Management

Claims are an unfortunate reality, but we see them as an opportunity to be your advocate. Our claims managers are ready to go to bat for your organization, leveraging their years of experience, key relationships, and strategic approach to support you throughout the process.


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Litigation Management

You have enough on your plate. Let us make compliance one less thing you have to worry about. We’ve put together a team of senior compliance attorneys that conducts research on regulatory and legislative issues that affect your business, including FMLA, STD, OSHA, DOT, and Life Safety, and breaks them down into plain, easy to understand language to keep you compliant. Have a need for contract review? We’ve got you covered there too.

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