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Home > Risk Management

Risk Management


Risk Management Information

Risk management is the process of identifying, measuring and treating property, liability, income, and personnel exposures to loss. The ultimate goal of risk management is the preservation of the physical and human assets of the organization for the successful continuation of its operations.

Risk Management

Workers Compensation

Workers Compensation is a necessary type of commercial lines insurance which helps protect a business and its employees from costs related to on-the-job injuries. Requirements vary on a state-by-state basis, but most state require employers to obtain workers’ compensation for their business. Employers’ liability insurance is included with most WC policies. It protects employers from employee related litigation relating to negligence. While Part A of a WC policy pays out an unlimited amount for lost wages and medical expenses. Part B Employers’ Liability shelters the employer if the employee sues for additional damages.

There are several different options of Workers Compensation to choose from;

  • Guaranteed Cost
  • Large Deductible
  • Workers Compensation Captive
  • Self-Funded Workers Compensation

General Business Coverages

  • Commercial Package Policy
  • Commercial General Liability Insurance
  • Commercial Auto Insurance
  • Commercial Property Insurance
  • Hired & Non-Hired Auto Insurance
  • Business Interruption Insurance
  • Business Owner’s Policy (BOP)
  • Director’s & Officer’s Insurance
  • Employment Practices Liability Insurance
  • Errors & Omission Insurance (E&O)
  • Professional Liability Insurance
  • Product Liability Insurance
  • Umbrella Insurance
  • Cyber Liability Insurance
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