Commercial insurance cost reduction

2 Critical Questions Every Commercial Insurance Buyer Never Asks

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  Is Your "Status Quo" Costing You Capital? Many businesses today face a fundamental inefficiency in most commercial insurance programs. It often comes down to a lack of data transparency. As a CFO or CEO, you scrutinize every…
captive insurance high deductible program

Utilizing a Captive to Fund a High Deductible Program

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  How a Captive Can Fund a High-Deductible Program—Without Leaving You Exposed By using a Captive, your company still maintains a traditional insurance policy, but with a higher deductible to reduce upfront premium and align…
Optimizing Commercial Insurance Structure

How to Measure if You're Buying Too Much Commercial Insurance

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  Most successful companies reach a point where their balance sheet becomes their greatest untapped asset. Yet, they continue to buy insurance the same way they did when they had only five employees. If you are still using…
alternative risk financing

Alternative Risk Financing: Turn Insurance Into a Competitive Advantage

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As a mid-market CEO or CFO, you probably feel like you’ve squeezed just about everything you can out of your cost structure. You sharpen bids. You negotiate with suppliers. You manage labor down to basis points. Yet every year, one line…
construction insurance and surety

The Hidden Risk Gap Between Construction Insurance and Surety

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As a leader in the construction or development space, you must proactively manage risk from all angles. You have a commercial insurance agent to handle your liability policies. You have a surety agent to secure your bonds. You review the contracts,…
Self Insured Trusts

Why Current Economic Conditions Are Perfect To Restructure Your Insurance Program

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In our opinion, there is no better time to consider alternative risk transfer as a strategy to get more cost-efficient with respect to your current commercial property insurance, commercial liability insurance, workers compensation insurance,…
captive insurances man holding insurance

Reduce Costs At Scale By Restructuring Your Commercial Insurance Program

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Have you ever wondered how utilizing captives, a high deductible insurance program, alternative risk transfer, self-insured retentions, or retrospective rating plans could further reduce your commercial insurance costs off your already low commercial…

What Is The Cost To Run A Captive Insurance Program?

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How much does it cost to start and run a captive insurance company? It’s the most frequent upfront question we get from organizations that are looking at starting their own captive insurance company for their organization. The short answer…
business meeting outsidePhoto by Dylan Gillis on Unsplash

What’s The Difference Between a Deductible & Self-Insured Retention In Your Commercial General Liability Policy?

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With respect to your commercial general liability insurance policy; choosing between a high deductible or self-insured retention can have a major impact on your competitive position as your business competes on the street. We we want to give…