All of our licensed agents and support staff have the resources to serve as an asset to your company and to guide you to make informed insurance decisions in your best interest. What sets us apart from other agents is the emphasis we place on your

business 365 days per year. We are a service business and the success of our relationship is the attitude of trying to “earn your business ... each and every day”.

Risk Assessment

Using evaluations of existing and potential risk factors and oversee design and coordination of a loss mitigation plan tailored to your operations.

Claims Evaluation

We have around-the-clock access to claims data, flexible, immediate and customized reporting as well as trending analysis with adjustor and council interface.

Insurance Advisory Services

Assessment of market trends and market opportunities. Independent insurance placement with constant evaluation of ”fit between client and carrier”. Carrier “stewardship” reporting to management.

Risk Management

Using a plan of implementation as well as systematic plan versus results reviews with executive reporting. We also handle loss and incident data evaluation and reporting.

Loss Control

Having quantifiable, on-site audits and a program of "strength versus weakness" analysis, with an establishment of realistic, cost-conscious management and safety goals.

Enterprise Risk Management

A discussion of economic impact factors, management consulting, employee benefit analysis, wellness and benefit utilization, Benefit plan design assistance, safety program support, perpetuation planning, and estate and net worth conservation.

Alternative Risk Financing

We use retrospective rated programs, Rent-A-Captive, Single Parent Captive and Risk Retention Groups.

Fee Based Consulting / Education

We have a variety of programs such as Risk Management 101, Tool Box Talks (Supervisor Training), Contractual Risk Transfers, Employment "Best Practices", Defensive Driving, OSHA Compliance and Personal Finance Planning.

What is a Group Captive?

A group captive is an insurance company owned and controlled by its shareholders / insureds. Typically this group is a mixture of small and medium sized companies banded together with a desire to control their own insurance destiny. Member companies are usually entrepreneurial in nature with good loss histories and effective risk management programs in place.

In a captive, companies gain ownership and control of all aspects, and specifically all costs, associated with their insurance programs. The captive concept is not a new one; there are over 4200 captives in existence today. Coverage provided with the captive includes:

• Workers Compensation
• Commercial General Liablity
• Automobile Liability / Physical Damage

What are the benefits of captive?

Ownership and control of insurance costs:

• Partners are hand-selected by captive owners
• Members control how their specific claims are managed
• Loss control services are customized to meet members’ needs and reduce risk

Reduced overall costs:

• Contributions are based on company's expected losses
• Premiums are more stable from year to year
• Fixed costs are controllable and can be reduced

Improved insurance program:

• Enhanced coverage, marketability and cost control
• No surprises in renewing, no bidding upheaval