The amount of risk you assume directly impacts the cost of your Property & Casualty insurance program !!!
When you purchase your Property, General Liability, Auto and other Property & Casualty coverage’s you may elect higher
deductibles which reduce your cost. Many business owners are confident they will have loss ratios below standard industry
levels and are able to reduce their cost by assuming more loss exposure. However, should your claim-loss frequency or severity
increase, your future premium cost may increase relative to your prior experience.
How has your loss experience been over the past 5 years?
How did you arrive at your current deductible – self insured retention levels?
Our consultants would welcome the opportunity to meet with you to analyze your current balance of risk. Once we review
your current exposures and risk management program, we will provide alternative strategies that provide you the opportunity
to reduce your cost. We also will examine the exclusions that exist in your current policies to determine if we can negotiate out
some of these exclusions with our underwriters thereby providing your firm with expanded coverage’s.
We will work with you and your Team to improve your current Safety programs and Claims Management programs.
By reducing your claim frequency, you will reduce your current and future insurance cost. By effectively managing your claim
reporting and monitoring procedures, you will reduce your current and future insurance cost.
Several of the traditional Property & Casualty coverage’s we will be happy to review with you are listed below:
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Property coverage’s for your buildings, contents, contractor’s equipment, business interruption & boiler &
machinery exposures.
Motor truck cargo – ocean cargo – inland marine coverage’s
Fleet insurance for your company owned autos, trucks and trailers
General Liability insurance including products & completed operations exposures
Garage liability coverage’s
Umbrella – Excess coverage
Pollution liability coverage
Directors & Officers, Employment Practices & Fiduciary liability coverage’s
Bonding - Surety & Crime coverage’s as needed
Please contact us for a free analysis of your current Risk Management Insurance program. We look forward to assisting your &
your Team in designing a comprehensive and cost effective Risk Management program that protects your assets, meets your
objectives and reduces your cost.
David Otten
Alternative Risk Consultants
5080 Muirwoods Court
Cincinnati, OH 45242
513-509-7023
[email protected]