Per 2026 industry data and correspondence with Reinsurance Specialties™, the below represents the TOP TEN most common coverages within the private insurance channel — an industry with $800 billion in global assets and used by 92% of Fortune 500 companies.
Most Common Coverages (Top 10)
- Administrative & Regulatory Actions
- Reputational Risk
- Regulatory Changes
- Cyber Risk / Cyber Liability
- Legal Expense / Legal Expense Reimbursement
- Loss of Key Talent / Loss of Key Employee
- Business Interruption
- Contingent Business Interruption
- General Liability – Difference in Conditions (DIC)
- Directors & Officers Liability
Other Sample Coverages (Next 30 Most Referenced)
- Employment Practices Liability
- Contractual Liability
- Crime / Employee Dishonesty
- Loss of Key Business Relationship
- Errors & Omissions / Professional Liability
- Property – Difference in Conditions (DIC)
- Supply Chain Interruption
- Loss of License
- Product / Service Rework (Warranty / Rework)
- Hourly Wage Violations / Wage & Hour
- Fiduciary Liability
- Collection Risks / Bad Debt / Clawbacks
- Environmental / Pollution Liability
- Work Stoppage / Slowdown
- Tax Audit Defense Expense
- Equipment & Inventory (including Inland Marine)
- Subcontractor Default
- Management Liability (combined D&O / EPL / Fiduciary / Crime)
- Intellectual Property Liability
- Loss of Key Supplier
- Communicable Disease Liability
- Product Recall
- Trade Credit Insurance
- Credit Risk / Credit Default
- Mechanical Breakdown – Business Interruption
- Workplace Violence
- Advertising / Media Liability
- Lenders Legal Liability
- Financial Reporting Errors & Omissions
- Political Risk
And while you rarely see GL or Property coverage within private insurance policies (most business leaders leave these coverages with the commercial carriers), private insurance policies will cover excess loss and DIC on those two coverages.
Summary & The Latitude Plan
A properly structured private insurance company gives you something the traditional market rarely does—control. Control over risk selection, claims timing, capital deployment and long-term wealth strategy.
By insuring uninsured and underinsured risk exposures through actuarially supported policies, you’re no longer just paying premiums—you’re repositioning them as a financial asset.
Across industries, Reinsurance Specialties™ clients adopt our best practice model—The Latitude Plan™—to enhance risk management, mitigate losses, protect enterprise value and create a disciplined pathway for capital growth and generational wealth transfer.
Invitation
If your organization generates between $1M and $1B in annual revenue and is interested in learning more about private insurance and how The Latitude Plan™ may support your broader risk management strategy, we invite you to explore further.
You can review additional information here, or schedule an educational, no-obligation Zoom call with the Reinsurance Specialties™ executive team to determine whether this approach aligns with your business objectives.
Every private insurance platform works a little differently, and this information is for educational purposes only. As seasoned private insurance professionals, Reinsurance Specialties™ can provide more detail, share our best practice model and deliver consultative guidance for your specific needs.
