Our Clients Include
Customizing Solutions
Because we are active in the larger insurance marketplace, we have been able to work with insurance carriers in drafting customized forms for all of the risks we write. We are confident that the coverages we direct are among the broadest available and, since the drafting of policy forms is an ever ongoing process for us, we incorporate changes as the need arises and circumstances change.
Certain clients may decide to retain a portion of their insurance risk, perhaps in the form of a large self-insured retention or deductible. We have the experience to structure and price such a program to give the client greater control over their plan while still buying protection against the catastrophe.
Still other clients are of a sufficient size to implement a more sophisticated alternative risk program such as a captive insurance company. Again, our experience allows us to keep program costs to a minimum while ensuring the long-term viability of the captive through reinsurance.
Unlike Mutual programs and Risk Pooling Trusts, we offer the option of dealing with traditional insurance carriers using traditional insurance products. Hence, there is no sharing of limits with unrelated organizations, and no potential for calls in the event of someone else's adverse experience. Your policies are your own, a fact that is of considerable value in today's uncertain marketplace.