Insurance Brokerage

Marchel & Associates Risk Consulting delivers advice to its client's based on over 25 years of legal and global insurance industry experience. We are unique in that we look at legislation; we talk with regulatory and defense attorneys to learn where litigation is occurring or likely to occur; then we reverse engineer the insurance policy to address the risk. Is your insurance contract difficult to understand?

Excess & Surplus Lines

Excess and Surplus (E&S) lines insurance - Any type of coverage that cannot be placed with an insurer admitted to do business in a certain jurisdiction.

Management Liability

Also called executive liability insurance, this covers exposures faced by directors, officers, managers, and business entities. You’ll be insured against risk that arises from governance, finance, benefits, and management activities.

Professional Liability (Errors & Omissions)

Learn how to protect your business with the purchase of errors and omissions insurance, also known as E&O, from claims for negligent acts, errors or omissions.

We Reverse Engineer The Insurance Policy To Address Your Risk

Is your insurance contract difficult to understand?

Are the terms and conditions unclear?

Insurance can be confusing. Insurance policies are legal contracts, using legal language. They’re drafted by one party (the underwriter) and interpreted by another party (the claims department) for the benefit of another party (the insured).

There are many different types of insurance: life, disability, health, workers compensation, marine, property, and casualty insurance.


Property and casualty insurance can be:

  • Personal Lines (personal liability) like home, auto, and rental insurance
  • Commercial Lines (commercial liability) insurance for businesses, professionals, and non-profits.


We assist companies with:

  • Management Liability (aka Directors and Officers Liability or Executive Liability)
  • Employment Liability
  • Cyber Liability and Security
  • Professional Liability
  • Fiduciary Liability
  • Fidelity Liability
  • Medical Billing Errors & Omissions

We see beyond insurance in everything we do. Our grasp of global business, risk and claims provides customized and proven results. Call 425-788-4349!