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toll free: 800-225-3242    office: 301-718-4637

Risk Management & Business Insurance

Since 1956, our business partner,  Insurance Associates has specialized in providing responsive, creative solutions in the areas of construction insurance, claims management, and risk control. Each client has a dedicated Account Manager who is responsible for making sure that your needs are being met in each of these areas. They do not focus on renewal dates; they work with our clients throughout the year to keep them informed on industry trends, changes, and issues. To them, the renewal date is no different than any other day of the year.
Their extensive experience allows them to tailor specific insurance programs to protect your business and personal assets.
Equally as important as the relationships with their customers are the relationships that Insurance Associates has with their insurance company partners. These relationships are based on trust and the confidence that they have in their construction expertise. These special relationships with their carriers afford them added consideration to solve the tougher insurance issues that contractors face every day.

Commercial Insurance Services offered:

Risk Management

  • Review all of their client’s contract specifications when requested, paying particular attention to both the insurance and indemnification provisions.
  • Perform a complete detailed analysis of their client’s business exposures by using our proprietary Coverage Checklist.
  • Offer seminars on a variety of topics at your facility.
  • Provide rate schedules for estimating purposes.
  • Review all Experience Modification Worksheets to verify their accuracy.
  • Review subcontractor Certificates of Insurance verifying proper coverage, carrier financial strength ratings and accuracy.
  • Perform pre-audits and test audits routinely so that there are no surprises in the audit process.

Claims Management

  • Two full-time Claims people on staff.
  • Quarterly or semi-annual claims review meetings.
  • Continuous monitoring of a claim’s status in order to accomplish prompt and fair settlement, and mitigate loss dollars which helps control insurance costs over the long-term.
  • Identify loss trends and coordinate with loss control to establish an action plan to take corrective action.
  • Project a client’s experience modification factor in advance of NCCI’s promulgation, and perform an analysis of the effect on it by the larger claims.
  • On-line access to loss and claim reporting systems.

Loss Control

  • They establish individual programs for their clients using the insurance carrier’s resources primarily. Your Account Manager is responsible for directing this process ensuring that your needs are met for both short-term and long-term objectives.
  • They establish client-driven service plans that include training seminars, jobsite inspections, program review and OSHA representation. They review and update these service plans as part of the annual renewal process. They have the ability to theme Computer-based training where applicable.
  • Insurance Associates has, as part of its service team, three safety consulting firms that can provide a range of services and advice when additional expertise is needed.