Why do insurance companies and agents often present insurance as complex? In fact, it is a simple transfer of risk.

Our approach in establishing goals, objectives and performance standard for customers is unique. Our agents and customer service representatives are not just students of risk management, they are teachers through numerous company and industry sponsored programs.

It’s not enough to simply buy traditional insurance policies. We educate customers to determine alternative insurance strategies such as self-insurance, cash flow funding alternatives, captives, loss sensitive programs, risk retention groups and niche group arrangements.

We explore, along with our customers, additional ways of protecting your balance sheet through risk transfer. We try to help you identify unprotected exposures to your corporation – exposures that may include pollution, occupational diseases, public claims, kidnap and ransom, and foreign or international risks.


Loss Prevention

Claim Analysis

Risk Management

Risk Retention


Contact Us. We can assist you in determining business solutions that reduce costs and the risks associated with loss.