Property/Liability Solutions

Because it’s easier to sleep at night when you know your assets are covered, providing a strategy for longterm risk reduction is a responsibility we don’t take lightly.

To protect you from property loss, we work with you to design a plan that reduces your cost of risk while making your company more attractive to the best companies in the insurance marketplace.

Captive Program/Self Insurance

We can analyze the feasibility of a captive or self insurance program to transfer risk. We will help you in implementing the appropriate program, according to your needs.

Worker's Compensation Experience Modification Audits

We watch the published Modification Audit to determine its accuracy. Prior to its calculation, we check the status of open reserves to maintain your cost as low as possible. If errors are found, we take any steps available to us to facilitate correction of this vital component.

Contractual Reviews

Our mission is to help protect your assets. We will assist you in reviewing leases and contracts that you send us to determine if your liability is properly covered and that you are not assuming unfair exposures.

Claims Update Meetings

Not having an up-to-date assessment of losses can harm your renewal negotiations. So, at policy beginning we set dates to review your losses.  We examine reserves set by the insurance company's adjuster's notes. Then, with your input, we approach the company to correct or adjust the loss reserves.

Business Interruption Insurance Coverage

Verifying the correct amount of coverage is most important in keeping your business going when a large loss occurs. We can help you better understand and complete the "worksheet."

Insurance-To-Value Calculation

An up-to-date valuation of the physical premises is essential. We can hlep you determine the correct values.

Audit Process Assistance

The insurance company's audit process is designed so that any mistakes default in their favor, resulting in an overcharge to you. We can help you prepare an audit package that includes checklists and typical "red flags" to look for.

Bonding

For those in the construction industry, surety bonds are a means of protecting yourself against one party's failure to fulfill the terms of a contract and are an important asset for general contractors. We can underwrite and help you execute your surety bonding needs.