Commercial Insurance

The true measure of an insurance agency isn't simply lower-negotiated rates at renewal time, but how well it supports your business objectives — your profitability and protects your balance sheet — year after year. A well-designed plan is more than a portfolio of coverages. It's a custom set of built-in risk strategies and solutions.

This is what we call General Insurance Services Insurance Advantage™ program; an ongoing, pro-active risk management program that sets a foundation from which to pursue your vision:

Risk Identification
Risk Analysis & Evaluation
Risk Treatment through:

Elimination
Reduction
Retention
Transfer

Our approach begins with “Risk Identification”; an assessment of your firm's business profile, operations and potential exposures. This includes an audited review of all relevant operating documents, financial statements and third-party agreements. From there, we move along to the Risk Analysis & Evaluation and Risk Treatment:

Review of general and excess liability, commercial property, auto, workers compensation and any specialty coverages
Review of all risk financing options – loss sensitive plans, deductibles and self-insured programs
Evaluation of alternative risk transfer programs
Safety auditing, training and managing
Cash flow analysis and loss forecasts
Strong industry relationships, extensive experience and purchasing leverage to discern, negotiate and assemble the right coverages that fit your firm’s business profile
Benchmarking your Total Cost of Risk against industry norms and relevant trends
A documentation review process to ensure prompt delivery of accurate policies, endorsements, premium allocations, invoices and certificates of insurance
Claims Management Consulting

Commercial Insurance

General Insurance Services – Managing risk for your business.