At Roehr, we do not believe that Risk Management stops with insurance policies. As a business owner or executive, finding the right insurance partner can be a difficult and complicated process. Most companies tend to look at property casualty insurance based on what they have done before. As a result, coverage and program risk strategies lack alignment with organizational goals.
This is no surprise. Historically, the insurance industry’s approach to risk management has focused primarily on being reactive and meeting the status quo of the property casualty marketplace.
When collaborating with Roehr, we take the time to understand each organization’s risk, appetite for risk, and develop a plan to transfer risk based upon an organization’s goals. Now more than ever, it is critical to work with an agency that can provide the Risk Management solutions needed to mitigate risk within an organization.
Property Insurance covers the risk of property loss in a variety of commercial situations, including commercial buildings, equipment, furniture, fixtures, inventories, business records, supplies and other physical items.
You may want to consider a Business Owners Package which combines your Liability, Property and other types of coverage into one comprehensive policy and which can help you save time and money on your total insurance program.
Business Auto coverage insures vehicles that are owned, leased, hired or borrowed by businesses,
Provides for the payment of four types of benefits:
Cyber Security risks remain one of the top risks C-Suites of all organizations continue to monitor. As organizations contemplate strategic planning, most have determined that their cyber security risks must be insured by way of cyber insurance. Generally, cyber insurance is designed to provide coverage to an organization for the following risks:
Is General and Professional Liability provide the same coverages? “NO”
General liability insurance will provide broad coverage for claims of bodily injury and property damage resulting from an organization’s products, services, or operations.
Professional liability insurance will protect an organization from claims explicitly related to the professional services or advice offered by the organization.
Management liability is the term commonly used to describe a package of various insurance policies designed to protect an organization and its directors and officers. Civil, regulatory and criminal allegations made against individuals and/or an organization can be very costly and time-consuming to defend, even if they are without merit. Management liability insurance offers peace of mind an organization can defend legal actions made against itself.
Bid, Performance and Payment and Maintenance Bonds
Administrator, Executor, Trustees, Appeal and Mechanic Lien Bonds
License & Permit, Subdivision, Public Official, Business Service, Motor Vehicle Dealer, Medicare/DMEPOS, Encroachment, Customs and ERISA Bonds
Lost Instrument, Lease, Guarantee Payment Utility and Union Bonds
Diverse and inclusive teams have a positive impact on our products and services. Diverse partnerships help us better serve our clients and our community. Inclusion is especially important to clients in the construction business. We help clients not only grow their business but develop and navigate inclusion goals. Demands for diversity are predicted to grow and Roehr is committed to our diverse partners
For midsize to large organizations, there are alternatives to the traditional purchase of insurance to finance risk. Through our risk management analysis, we may find that there are areas of substantial risk for an organization where insurance is not commercially available in the marketplace or is not feasible financially purchase in the traditional marketplace.
If an organization has demonstrated a long history of superior safety, the ability to control risks, and is able to avoid third-party liability claims, then an alternative risk solution maybe attractive.