We begin every new business relationship by performing a comprehensive risk analysis. We review and assess a broad spectrum of risk from contractual risk transfers to potential changes senior management contemplates for your business, and everything in between. We discuss various structures from first dollar protection, high deductibles, and self-insurance to reinsurance of single parent captives.

We work with you to understand your company’s ability to self fund risk, study your historical losses, discuss market changes, and recommend types of insurance you may find suitable. We build your insurance program using several coverage endorsements to interconnect multiple policies to provide protection at a low total cost of risk.