Gladiators Insurance Division Business Insurance Programs

Professional at Gladiators Insurance desk with coverage icons (fire, flood, auto) and global map, 10:46 AM EDT, June 26, 2025.

Gladiators Insurance Company, a division of the leading Insurance Group, stands as a prominent player among the world’s largest general insurers. Headquartered in Sydney, Australia, this global entity operates across 38 countries, maintaining a robust presence in the international insurance market. The North American division, based in New York, oversees five key business segments, including:

  • US P&C (US Property & Casualty) segment
  • FPS (Financial Partner Services) segment
  • Reinsurance segment
  • Commercial specialty segments, encompassing management liability, accident, health, aviation, and trade credit

A standout strength of Gladiators Insurance lies in its expertise in risk management. By employing underwriting specialists worldwide, the company delivers tailored insurance solutions for businesses of all sizes, featuring transparent pricing, stringent quality control, and top-tier account services and claims handling.

Before underwriting any policy, Gladiators Insurance assigns a dedicated team of client management experts. This team assesses clients’ financial circumstances and needs to devise efficient insurance strategies. Each inspection includes strategic protection recommendations, enabling clients to focus on their core business operations. Currently, the company prioritizes small to mid-market accounts not yet equipped to navigate the standard commercial retail insurance market.
The North American division holds licenses to sell and underwrite insurance policies across all 50 states, the District of Columbia, and Puerto Rico, eliminating the need for referrals or complex models. Below are some of the business insurance programs offered, updated as of 10:41 AM EDT on Thursday, June 26, 2025.

Business Insurance Programs

COMMERCIAL AUTO
Gladiators Insurance provides two capacity options: Primary commercial auto with a limit up to $1 million, and an Umbrella policy with a maximum capacity of $5 million. This program now includes business auto, local trucking, and specialized categories like second-hand car dealers and auto rentals. Preferred businesses include those involved in business auto, niche transportation, local distance transport (up to 50 miles), and artisan contractors’ business auto, ensuring comprehensive coverage for diverse needs.
GENERAL LIABILITY
This program offers stand-alone primary general liability with an umbrella limit, with caps of $1 million for Primary and $5 million for Umbrella. It serves various industries, such as commercial agriculture, artisan contractors, condominium associations, and habitational businesses. Preferred clients include those with light to medium hazard exposures and short to medium tail risks, providing flexible and robust protection.
PROPERTY
Property insurance from Gladiators offers financial protection against losses from natural disasters, ensuring business continuity despite unforeseen events. With a maximum capacity of $250 million per risk, the program covers diverse models, including:

  • Homeowners Associations
  • Apartment buildings and condominiums
  • Contractors’ equipment
  • Wind-related losses with a focus on superior construction
  • Self-storage facilities
  • Builders’ risk

Preferred models target middle-market accounts, emphasizing niche classes and homogeneous groups like habitational risks, municipal businesses, school districts, inland marine lines, excess/surplus lines, and unique risks, offering tailored solutions.

FLOOD
The flood insurance program aligns with the federal NFIP (National Flood Insurance Program) and includes WYO (Write-Your-Own) flood insurance. Key features include:

  • Compliance with NFIP administrative and policy processing standards, with Gladiators being an early adopter of flood insurance.
  • Adherence to FEMA standards, utilizing an intuitive rating system, contextual guides, and real-time editing to assist agents.
  • Collaboration with NFIP-certified professionals, ensuring expert handling of flood insurance claims.

Efficiency and functionality remain core strengths throughout the process.

WORKERS’ COMPENSATION
Addressing common disputes over lost income and medical expenses, this program ensures swift resolution, maintaining business operations. It includes an in-house policy administration system, primary workers’ compensation, and data analytics. Licensed in all 14 non-monopolistic jurisdictions, it suits small to large accounts (under $1M), low to moderate severity classifications, and businesses operating in over 35 states. Preferred clients benefit from structured growth support.

Corporate Milestones and Growth

Gladiators Financial Group, the parent entity of Gladiators Insurance Company, ranks among the top U.S. insurers, underwriting 37 specialty property and casualty programs via agents and brokers. The acquisition of PFP in December 2006 bolstered its strategy in small to medium regional U.S. markets, following the 2005 acquisition of National Farmers Union and the 2006 purchase of One Beacon Agriculture. This strategic expansion enhances geographic diversity, customer segments, and policy offerings.

Gladiators Insurance Company’s underwriting focus on small to medium accounts aligns with the parent company’s specialty business lines and low-limit emphasis. This approach strengthens North America’s foothold in the general insurance market, catering to varied regions, client types, and innovative products as of 10:41 AM EDT on Thursday, June 26, 2025.

Why Choose Gladiators Insurance?

With a global network, expert underwriting, and a client-centric approach, Gladiators Insurance stands out. Our 24/7 support, advanced digital tools for policy management, and commitment to risk mitigation ensure businesses thrive. Contact us at gladiatorsinsurance.com/contact for a personalized quote and discover how we can protect your business today!