Our Trusted Partners

Columbia Insurance GroupTravelers InsuranceMontgomery Insurance Companythe Hartford Insurance SolutionsAuto-Owners InsuranceAmerisafeAmtrust Financial InsuranceAce Private Risk GroupFireman's Fund Insurance CompanySecureRiskGuardSafecoEncompass Quality InsuranceCNA Insurance SolutionsProgressive Insurance SolutionsZurich North America

Insurance is still the most widely utilized instrument of risk transfer and enables many individuals and organizations to take risks that would not be possible otherwise. For over 60 years, our company has specialized in insurance. Our risk management process does not begin with insurance quotation but with a consultative information gathering interview. This is an important distinction. Imagine walking into a physician’s office and receiving a medical diagnosis without consulting with a physician.  The process of risk identification must precede the implementation of insurance.

Following a consultative process of gathering information and learning about the uniqueness of each client, we are then able to design an insurance program  based on current and relevant data. We have partnered with leading carriers in various insurance disciplines which evidence financial strength and product excellence. We look forward to building the insurance component of your risk management plan.

Areas of Practice Include:

Personal Risk Solutions:

  • High Value Primary and Secondary Residences
  • Personal Watercraft
  • Personal Auto
  • Farm and Ranch
  • Valuable Items Coverage
  • Recreational Vehicles
  • Antique Auto
  • Personal Umbrella

Commercial Insurance Solutions:

  • Commercial General Liability including Product Liability, Liquor Liability
  • Commercial Auto
  • Business Property including Lessors Risk
  • Inland and Ocean Marine
  • Management Liability including D&O, E&O, Employment Practices and Fiduciary Liability
  • Cyber Liability
  • Environmental Liability and Impairment
  • Workers Compensation and Employers Liability


  • Performance and Payment
  • Crime and Fidelity
  • Utility
  • Guardianship
  • Tax Revenue
  • Code Compliance

Life, Disability and Long-Term Care:

  • Individual
  • Group
  • Key Man
  • Buy Sell Agreements
Safety Training
Safety Training - Workplace Safety - Continuity Risk Partners

Work related injuries represent a significant loss of productivity for the United States each year. Some statistics t from a UC Davis researcher cite the total direct cost of occupational injuries at $250 billion dollars; yes that is billion dollars. The costs represent a substantial percentage of  our annual GDP. Further, the total indirect costs associated wit h the same injuries were two-thirds of total cost, whereas direct costs were only one-third.  It is no surprise than work related injuries can cause great loss to employers in the form of lost productivity, production delays, low morale, higher workers compensation premiums and so on.  The best injury is the one that is prevented.

As part of our commitment to our clients workplace safety, we have several tools to support your safety initiatives.  We have a vast library of safety materials and can work with a client to build a safety program and a curriculum that is unique to their industry.  For qualified accounts, we set up a portal where our client can login and facilitate safety training for employees as well as track the course completion of individual employees.  Employees that are in the field can complete training remotely..

We can also provide safety engineers with resources such as templates and power point presentations on a variety of topics related to workplace safety. This is a great investment for any company that desires to maintain a culture of safety in the work place. Please inquire for more information.

For many companies workers compensation is their largest insurance expenditure and most believe that they have no ability to impact their individual NCCI experience rating.  The best method is to prevent claims, but when claims do occur what is done afterwards is crucial to managing costs. The truth is that there are effective tools to reduce experience rating factors over time and reduce costs.  We use the Acucomp system with a proven track record of lowering experience ratings an average of 28.5 points over period of the modifier.
How does this work? 

The system actively manages the process on an ongoing basis to:

  1. Manage open claim reserves
  2.  Audit NCCI ratings for clerical errors
  3. Provide case management expertise
  4.  Educate insured on changes to rating promulgation
  5. Offer rating modeling of future ratings, effects of individual claims, deductibles

How much does this service cost?

We offer this service at no cost to qualifying clients. For clients that do not qualify, we can offer this service on a fee basis. Please inquire for more information.

Business Continuity - Risk Management - Continuity Risk Partners

As a business owner I promote the strengths of my organization. Our strengths are where we are at our best so it is only natural to highlight these areas.  I also know that my organization is only as strong as our weakest point; this is true in many if not most areas of life. To ignore my weak points is to put the entire organization at risk. The subject of business continuity is often a concern for organizations but there is a lack of practical information.   How do you put a value on the progress and momentum that a business has in achieving it’s strategic objectives?  A well designed insurance program can indemnify from many types of loss, but we believe that getting momentum back takes a toll on an organization that can significantly affect short and long term opportunities.  Our goal in our business continuity service is to perform  diagnostic tests on the organizations of our clients to find the areas that may need further development.

Some areas that we would evaluate are already part of our risk management audit. Some areas that we would evaluate specifically include:

Business Perpetuation

Buy and Sell Agreements

Information Technology and Security

Supply Chain Disruption

Disaster Planning

Loss of an Owner or Key Employee


Please inquire on how our business continuity services can help keep your business moving forward.