Your business insurance program goes beyond your insurance policy and limits of coverage. We review your most critical exposures and provide loss control, risk transfer protocols as well assisting you with managing your subcontractor liabilities. Business auto liability is an often overlooked critical exposure that may be a ticking time bomb for your company. From coverage, to operational protocol, we engage our decades of construction risk management experience and deliver service and expertise from our certified Construction Risk and Insurance Speacilist (CRIS) that you need to grow your business.
While the basic rates for workers' compensation are consistent among all the carries, the premium structure, discounts, and claim / loss control management services provided by carriers and their agent partners vary dramatically. We evaluate your classifications and your payroll and work with the carriers to obtain the best program that ultimately lowers your total cost of risk. From monthly self-audit programs (even integrated with your payroll service provider) to up-front flat dividend programs, we partner with you and your carrier to drive down your total cost of risk.
Your unique business operation deserves the type of detailed risk analysis and audit we provide to our clients as a value-added service. We improve your risk profile utilizing our exclusive Risk Management Performance Index Score Card © The underwriters value our ability to lower our client’s risk allowing them to offer preferred pricing reducing your insurance premiums. Our credentialed risk manager provides hands-on claim management assistance on every claim from general liability, to auto, property and workers’ compensation at no cost to you. You focus on running your business, we focus on managing your risk and insurance costs.
We find you the best insurance carriers with the best programs and then back that up with Risk Management and Claim Management services that are among the best in the industry.