# United Risk > United Risk is a global property and casualty insurance underwriting and distribution platform with deep technical resources and large underwriting capacity. ## Coverage solutions - [All coverage solutions](https://www.unitedrisk.global/coverage-solutions): specialty property and casualty products, each written by a named underwriting business in the group. ### Accident & Health Coverage - Accident & Health Coverage (First Accident & Health) ### Aerospace Coverage - Aerospace Coverage (Applied Underwriters Aerospace) ### Auto - Motor Truck Cargo (Blue Ridge Specialty) - Commercial Auto (Rivington Commercial Auto, Blue Ridge Specialty, Verist) - Buffer Auto (Applied Specialty Underwriters) ### Aviation - Aviation War (Applied Crisis Underwriters, Applied Underwriters Aviation) - Aviation (Applied Underwriters Aviation) ### Credit - Structured Credit (Applied Credit Underwriters) - Political Risk (Applied Credit Underwriters) ### Crisis - Political Violence (Applied Crisis Underwriters, Verist) ### Cyber - Cyber Liability Insurance (Applied Financial Lines) ### Entertainment - Entertainment & Sports (Applied Entertainment & Sports) - Contingency Coverage (Applied Entertainment & Sports) ### Environmental - Environmental & Pollution Liability (Rivington Environmental) ### Faculative Reinsurance - Facultative Reinsurance (Pinnacle Underwriting) ### Healthcare - Medical Professional Liability (Applied Financial Lines) ### Infrastructure - Infrastructure (Applied Specialty Underwriters) ### Insurance - Title Insurance (Applied Underwriters Title Services) - Tailored Risk Transfer (Verist) - Logistics Risk Solutions (Applied Logistics Underwriters) - Homeowners (Applied Home National Underwriters) - Excess Property Coverage (Rivington Middle Market Property) - Excess Casualty Insurance (Applied Specialty Underwriters, First Specialty XS, Applied Entertainment & Sports, Verist) - Consumer & Affinity Insurance (Applied Affinity Underwriters) ### Marine - Yacht Insurance (Concept Special Risk) - Marine War (Applied Crisis Underwriters) - Cargo War (Applied Crisis Underwriters) ### Professional Liability - Professional Liability (Applied Financial Lines) ### Property - Security Deposit Waiver (Thriver) - Real Estate (Applied Specialty Underwriters) - California Wildfire Homeowner's (Applied Home National Underwriters) ### Specialty - Fine Art & Collections (Applied Fine Art & Collections) ### Surety - Contract Surety (Applied Surety Underwriters) - Commercial Surety (Applied Surety Underwriters) ## Underwriting businesses - [All practices](https://www.unitedrisk.global/practices): the underwriting businesses behind the products above. - [Applied Specialty Underwriters](https://www.specialty.auw.com/): Applied Specialty Underwriters ® provides customized General Liability, Excess Liability, and Property Insurance products in the E&S markets nationwide via appointed wholesalers. Led by Chris Day, President and CEO. - [Applied Surety Underwriters](https://www.surety.auw.com/): Applied Surety Underwriters ® specializes in writing all forms of surety bonds. The practice group targets Commercial Surety Bonds and Contract Surety Bonds. Led by Joshua Betz, President. - [Applied Financial Lines United States](https://www.afl.auw.com/): Applied Financial Lines United States ® provides a variety of financial and professional liability insurance products throughout the United States. Led by Steve McGill, President Applied Financial Lines. - [First Specialty XS](https://www.firstspecialty.com/): First Specialty XS ® specializes in retail-focused excess casualty insurance for Fortune 5000 companies and comparable National Accounts within several industry segments, including Consumer Products,… Led by Patrick Kenahan, Chief Executive Officer. - [Rivington Commercial Auto](https://www.deliveringmore.auw.com/what-we-offer/transportation): Rivington Commercial Auto ® provides coverage for large trucking risks. The practice group focuses on quality risks on a primary basis: Box Truck – Offers auto liability, physical damage, general… Led by Sal Orso, President. - [Concept Special Risk](https://www.special-risks.com/): Concept Special Risks ® is expert in the assessment, pricing and administration of yacht insurance business, and the practice group offers the following products on a primary and excess basis: Core… Led by Tony Usher, Managing Director. - [Applied Underwriters Aviation](https://www.aua.auw.com/): Applied Underwriters Aviation ® focuses on the US Aviation market for Aircraft Hull, Aircraft Liability, Aviation Products Liability, Commercial General Liability and Workers’ Compensation in the… Led by Steve Allen, President. - [Rivington Environmental](https://www.deliveringmore.auw.com/what-we-offer/enviro-pollution): Rivington Environmental ® provides package policies for environmental businesses and standalone pollution policies. Led by Cynthia Worthington, President. - [Applied Entertainment & Sports](https://www.aes.auw.com/): Applied Entertainment & Sports ® focuses on the Entertainment, Media & Sports insurance market. The practice group serves the Film, Television, DICE & Rental House, Touring & Events, Sports, Media,… Led by Jerid Schmickle, President. - [Blue Ridge Specialty](https://www.blueridgespecialty.com/): Blue Ridge Specialty ® specializes in trucking-related risks nationwide focusing on distressed fleet accounts. Led by Shane Dennie, Program Manager. - [Rivington Middle Market Property](https://www.deliveringmore.auw.com/what-we-offer/more-to-love-real-estate): Rivington Middle Market ® Property offers commercial property insurance written on a shared and layered basis. Led by John Dowling, President. - [Applied Financial Lines International](https://www.afl.auw.com/): Applied Financial Europe ® focuses on several specialty lines in the European Union, the Middle East, and other countries in the region. Led by Jeroen Claesen, President and Chief Underwriting Officer. - [Verist](https://www.veristinc.com/): Verist ® is a provider of holistic insurance and risk management solutions for commercial lines clients. Led by Michael Chang, Chief Executive Officer. - [Applied Fine Art & Collections](https://www.treadwellrisk.com/): Applied Fine Arts & Collections ® provides all-risk coverage of collectibles for personal, institutional, and commercial clients. Led by Ron Fiamma, President. - [Applied Underwriters Aerospace](https://www.aua.auw.com/): Applied Underwriters Aerospace ® offers insurance products for the aerospace industry. The Aerospace practice group currently offers the following products: Coverage for launch vehicle service… Led by Jon Lewis, President. - [Applied Home National Underwriters](https://www.appliedhnu.com/): Applied Home National Underwriters ® provides customized homeowner solutions in E&S markets nationwide via select appointed wholesalers and retailers. Led by Mia Iverson, President. - [Applied Logistics Underwriters](https://www.appliedlu.com/): Applied Logistics Underwriters ® makes navigating the complexities of logistics insurance easier for brokers. Led by Alex Rosas, President. - [Applied Crisis Underwriters](https://www.appliedcrisis.com/): Applied Crisis Underwriters ® provides comprehensive coverage across Political Violence and War Risks in Aviation, Cargo, and Marine. Led by Henry Gillingham, Managing Director & Lead Underwriter. - [Applied Credit Underwriters](https://www.applied.credit/): Applied Credit Underwriters ® provides specialised credit, contract frustration, and political risk coverage for international transactions, protecting clients from non-payment, sovereign… Led by Bernie de Haldevang, Chief Executive Officer. - [Applied Affinity Underwriters](https://www.appliedaffinity.com/): Applied Affinity Underwriters ® provides a broad range of Accident & Health and Affinity insurance solutions designed for adaptability across global markets. Led by Anna Clarving, Chief Executive Officer. - [First Accident & Health](https://www.firstaccidenthealth.com/): First Accident & Health ® partners with top-rated insurers, distributors, and benefit providers to build and scale alternative A&H programs with speed and precision. Led by Chris Howard, Partner. - [Thriver](https://www.getthriver.com/): Thriver ® delivers an innovative, technology-driven Security Deposit Waiver platform that replaces legacy cash deposit requirements for renters, designed for seamless integrations and intuitive… Led by Matt Mayberry, Chief Executive Officer. - [Applied Underwriters Title Services](https://www.autitle.com/): Applied Underwriters Title Services delivers risk reduction, compliance oversight, and seamless efficiency – all backed by secure technology, attorney-friendly tools, and a commitment to exceptional… Led by Jeffrey Kelly, Chief Executive Officer. ## Offices - United States — 50 Rockefeller Plaza. Rick Christopher - United Kingdom — 140 Leadenhall Street. Tom Cox - European Union — 128 Rue Amelot. Tim Adair ## News - [All news](https://www.unitedrisk.global/news): press releases and coverage. - [United Risk Signs Agreement to Acquire DUAL North America’s Crisis Management Program](https://www.unitedrisk.global/news/united-risk-signs-agreement-to-acquire-dual-north-americas-crisis-management-program) (January 13, 2026) - [United Risk Marks Meteoric Ascent into Ranks of World’s Top 5 MGA Companies, Presents Complete Leadership Team](https://www.unitedrisk.global/news/united-risk-marks-ascent-into-ranks-of-worlds-top-5-mga-companie) (November 19, 2025) - [United Risk Acquires Verita CSG from WTW, Ensuring Continuity for All Clients, Agents and Brokers Under New Verist Brand](https://www.unitedrisk.global/news/united-risk-acquires-verita-wtw) (August 4, 2025) - [Exclusive: Chang returning to market with United Risk-backed Verita buyout from WTW](https://www.unitedrisk.global/news/the-insurer-exclusive-chang-returning-to-market-with-united-risk-backed-verita-buyout-from-wtw) (August 3, 2025) - [Exclusive: United Risk launches real estate deposit waiver insurance product and company Thriver](https://www.unitedrisk.global/news/the-insurer-exclusive-united-risk-launches-real-estate-deposit-waiver-insurance-product-and-company-thriver) (July 14, 2025) - [United Risk Introduces Thriver to Meet Real Estate Industry Demand for Provision of Integrated Security Deposit Waiver Coverage and Technology](https://www.unitedrisk.global/news/united-risk-introduces-thriver-to-meet-real-estate-industry-demand) (July 14, 2025) ## Company - [Leadership](https://www.unitedrisk.global/leadership) - [Media Resources](https://www.unitedrisk.global/media-resources) - [Careers](https://www.unitedrisk.global/careers) - [Contact Us](https://www.unitedrisk.global/contact) ## Optional - [Sitemap](https://www.unitedrisk.global/sitemap.xml)