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 Cornerstone Assurance Group 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

Cornerstone Assurance Group – Managing risk for your business.