Tailored Insurance Solutions
for Your Unique Needs

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Custom Insurance Solutions

At Stearns & Co., we provide tailored insurance solutions across commercial, personal, and entertainment sectors, recognizing that no two clients or projects carry the same risk profile. Whether structuring coverage for a business, protecting a home and personal assets, or insuring a film production or live event, our process begins with understanding the full scope of operations, exposures, and priorities involved. We take a deliberate, advisory approach by defining clear coverage objectives before approaching the market, rather than simply presenting whatever options come back. From complex commercial risks and high-value homes in brush-exposed areas to specialized entertainment productions, our focus is on thoughtful strategy, broad market access, and solutions aligned with long-term goals.

Business Insurance Solutions

We provide commercial insurance solutions for businesses across a wide range of industries, recognizing that no two companies share the same risk profile. Our process begins with understanding how your business operates, including its structure, contractual obligations, products or services, and areas of potential exposure. From there, we approach the market with clear coverage goals, taking a strategic approach rather than simply presenting whatever options happen to come back.
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Commercial General Liability

Commercial Property

Business Owners Policies (BOP)

Workers’ Compensation

Professional Liability / Errors & Omissions / Malpractice

Employment Practices Liability Insurance (EPLI)

Directors & Officers (D&O)

Cyber Liability

Umbrella Liability

Excess Liability (over any type of liability policy)

Construction Project Liability (premises liability, project-specific, OCIP’s/WRAP’s)

Builder’s Risk for ground-up construction, renovations, and buildouts

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Personal Insurance Solutions

Insurance for your home and personal assets should be structured with the same care as your business coverage. We take the time to understand your assets, lifestyle, and priorities so coverage is aligned with what matters most. Our focus is on clear advice, thoughtful policy selection, and access to strong options, including solutions for high value homes and properties in brush exposed areas.

Homeowners Insurance (including high brush an coastal)

Dwelling Fire / Landlord Insurance (including high brush an coastal)

Personal Liability

Personal Umbrella

Auto Insurance

Earthquake

Flood

Personal Property / Floaters

Entertainment Insurance Solutions

We provide specialized insurance solutions for film, television, live events, music tours, and other entertainment productions. Our process begins with understanding the project, including cast and crew, locations, equipment, contracts, and unique production requirements. From there, we approach the market strategically to secure coverage tailored to the specific risks of the production.
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Production Package Policies (including DICE policies)

General Liability (including on shell corporations)

Property / Equipment Coverage

Inland Marine Policies for Schedules of Traveling Equipment and more

Workers’ Compensation (including short term)

Professional Liability / Errors & Omissions

Media Liability

Cyber Liability

Film Shoot or Event Cancellation (including non-appearance)