We provide a wealth of insurance and risk management expertise, brought to bear by a dedicated team of professionals, to develop practical and progressive solutions for all of your needs. Our experts will be with you every step of the way providing sharp insight to construct the right coverage plan for every level of protection.

Serving as a trusted agent and extension of your management team, we develop an intimate understanding of your business and together we reduce your risk and eliminate dangers of which they may not be aware.

In business, you may need to take risks. However, not all risks are necessary and many can be avoided or controlled with the sound advice and the proper planning we provide.

• Risk Analysis- We gain an understanding of your business through job site visits, contract review and client discussions.
• Insurance Plan Review, Design, and Placement- We analyze current insurance programs, loss data, safety programs, and then conduct a planning session to determine the insurance plan design.
• Service Plan Design- The service plan includes timelines, responsibilities, critical insurance dates, and scheduled meetings to guarantee our performance.
• Safety Risk Control- Your dedicated account specialist coordinates all aspects of safety and loss control including hands-on training, job site visits, and management reports.
• Workers’ Compensation and Management Claims- Our workers’ compensation department acts as your advocate to manage and monitor claims and to audit your experience modification factor.
• Property and Casualty Management Claims- Our property and casualty department is responsible for relaying all claims information from you to the respective carriers, along with monitoring the claims process.
• Surety- The surety team favorably positions your account to maximize your bond line.

A captive is an insurance company owned by its members (tribe) or insureds. Potential benefits from this form of alternative risk transfer include heightened control of your risk management program and its various components. In addition, under a captive program, underwriting profits and investment income from premiums are returned to the participants or sponsors.

• Complete Feasibility Study Services
• Secure Front for Captive
• Reinsurance Placement
• Premium Determination and Allocation Modeling
• Participate in Board and Annual General Meetings when Requested
• Prepare Draft Policies for use by the Captive

Owner Controlled Insurance Programs (OCIP programs) have won growing popularity with construction project owners during the last two decades due to the OCIP’s ability to reduce losses and ultimately lower the cost of construction insurance. OCIP Features:

• Provides broad and consistent coverage specific to job – controlled by Owner
• Single claims handling and loss control program
• Eliminates duplicate legal services
• No chance for uninsured contractors
• Significant savings in project cost with favorable loss experience
• Loss-sensitive rating plan
• Group buying power
• Cash flow management
• Reduces cost of construction insurance
• Improves project's safety and loss control programs through tighter supervision
• Increases opportunity for small contractors to participate in project