Start with the risk, not the policy.
Marston Row Group helps businesses evaluate insurance when a customer may not pay, a bond is required to bid or perform work, or another specific business risk may call for coverage.
Current focus: trade credit insurance and surety and bonding. Other commercial insurance needs are evaluated case by case.
If a customer does not pay, the problem can spread beyond the invoice.
Trade credit insurance can protect eligible business-to-business receivables against certain customer non-payment risks.
For some businesses, the same customer concentration can also matter to a lender, borrowing base, or growth plan.
A bond can be a requirement to bid, win, or perform work.
Surety underwriting can depend on financial strength, backlog, working capital, project mix, ownership, and the obligation being bonded.
Marston helps define the need and route the facts to the appropriate underwriting path.
What bond is required, by whom, and on what timeline?
What financial and operating facts will matter to the surety decision?
Could bonding needs interact with liquidity, lender terms, or working capital?
Not every business risk needs an insurance product.
If the need falls outside trade credit insurance or surety, Marston first determines whether insurance is actually the right path and which appropriately authorized party should handle it.
The goal is not to force-fit a policy. It is to get the business to the right next step.
The product comes after the problem is clear.
Start with what could go wrong, what it would cost, and what decision has to be made.
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01
Define the need
Business, exposure, obligation, timing, and the decision the coverage must support.
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02
Get the facts
Current coverage, financials, contracts, lender requirements, customer concentrations, or bond specifications as relevant.
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03
Choose the route
Determine whether the need fits an available insurance or surety path rather than assuming a product in advance.
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04
Keep authority clear
Placement, underwriting, and other regulated decisions remain with the appropriately licensed or authorized parties.
Insurance availability is a real underwriting decision.
Insurance work is subject to applicable licensing, appointment, carrier, and underwriting requirements. Where Marston does not hold the required authority, work is coordinated through appropriately licensed or authorized parties.
Coverage, pricing, limits, capacity, and carrier approval are not guaranteed.
Have an insurance need?
Send the business, exposure, timing, and current broker or coverage if one is already involved.