Risk Management

A risk management plan identifies all risks, determines critical liabilities that require coverage and finds customized insurance and risk transfer solutions. That's precisely what we dedicate our services towards.

If your business is in the communication and technology sectors, we can help you create effective risk solutions to protect what matters most before the unthinkable happens. Our approach is predicated on providing sufficient insight to your operations that help us identify the right solutions based on your business's risks. This includes an assessment of your company and recommendations customized for your business.

Identify and protect against your risks

Purchasing an insurance policy is only one component of a risk management program. Our advisors will work with key employees across the company to strengthen your insurance and risk management programs. A thorough risk management plan identifies all risks, including threats to company assets and property, managers and officers, workers, income, security and continuity. Companies face many risks for which a an insurance policy doesn’t necessarily bring resolution to the problem. It is important that you consider other factors such as loss prevention, risk retention, as well as risk transfer. Our team utilizes many tools when we take a risk management approach to your company, such as loss history analysis, flood determines, earth movement probability, safety and cyber-security training, contractual risk transfer, review of certificates of insurance and the use of alternate risk solutions.

We are your risk management partner

Our team doesn’t replace your legal and risk management team, but we do provide key support to those roles within your company. However, we believe our skills help enhance your internal operations. Many brokers or agents shop your insurance and deliver an insurance policy. We pride ourselves on a earning our commission by providing a full-service approach that enhances your insurance and risk management programs.

Frequently Asked Questions

• Do truckers need general liability insurance? 

  General liability insurance is different from trucking liability insurance. They sound similar but cover very different things. You don't need it like you need trucking insurance, but it's still very beneficial coverage to have.  With general liability insurance, you cover things associated with business, not trucking or transportation themselves. A couple of these coverages include: 

  • Bodily injury and property damage that occurs due to a covered incident. 
  • Personal or advertising injury. 
• What does trucking insurance cover? 

  Every trucking insurance policy is a little different from the rest based on your or your company's needs. That said, there are several common coverages you can include when building your trucking liability insurance policy.

• How much does trucking insurance cost? 

  Your commercial trucking insurance premium can vary a lot from someone else's, even if you're in similar situations or have similar policies. Some factors that affect premiums include:

  • The type(s) of vehicles you're insuring.
  • How far vehicles are traveling per year.
  • Types of cargo. Drivers' driving records.
  • The location of your center of operations.
  • Standard operating radius.
  • How you store the vehicle(s).
  • Amount of coverage you opt for.

  As commercial trucking insurance professionals, we strive to know you and your worries. We spend time listening and learning to serve you better and help you find solutions. You've worked hard to build and promote your trucking operation. The next step is to protect it. We'll assess your risks and help you tailor an insurance policy. We'd love to chat with you. Contact ComTech-Leavitt Ins. Services today!

• Not sure which of these coverages is right for your construction firm?

  Our staff provides accurate and timely delivery of certificates of insurance. We also provide assistance and reviews of certificates and risk transfers. With our understanding of the design and administration of wrap-ups, we can help contractors navigate the construction defect litigation landscape. Our tailored risk management solutions enable contractors to respond to market fluctuations and better predict future costs.

• Who needs construction insurance?

  If you're in a construction business you should always have commercial insurance. Many businesses are required by their clients to carry specific coverages before they can work for them. Businesses involved in construction work often specialize in trades like:

  • Excavation
  • Home Improvement
  • Land Clearing
  • Remodeling
  • Home Building
  • Asphalt Laying
  • Welding
  • Fence & Deck Building
  • Concrete Laying
  • Stone & Granite Work
  • Roofing