property & casualty
Minimizing risk
maximizing opportunity
Risk is a part of business. That is why anticipating and managing risk is a critical part of planning for the future of your business. The challenge is understanding what your total exposure to risk will be, while also estimating and lowering your total cost of risk over time.
Our strategic, comprehensive risk management aims to do both of those things, by utilizing a combination of insurance products, business planning tools, and data analytics to protect and prepare your business for whatever the future may bring. AIA, Alera Group is part of a strong carrier alliance of over 50 carriers so we can truly customize what is best for you.
Our Approach to Risk Management
Our consultative services help businesses proactively manage future costs so that leaders can think about new opportunities, not new worries. We help our clients to:
- Identify business risk and determine how to best mitigate it
- Ensure that their bottom line is protected and that their coverage continues to meet their business objectives over time
- Concentrate on growing their business without the worry of financial loss from potential insurable risks
When a loss does occur, teaming with us means you are working with the best. AIA, Alera Group’s risk managers and loss control advisors are a group of highly technical, professional individuals who understand the importance of partnership. We provide invaluable services that help our clients reduce losses and manage them, if and when they occur. Our claims and loss control services are designed to help companies manage future costs. We believe in being proactive now in order to save money later. We are our clients’ advocates, working with them to ensure claims are covered immediately.
Industry Expertise
- Construction
- Food Processing & Distribution
- Education
- Energy
- Life Sciences
- Health Care & Nursing Homes
- Hospitality
- Manufacturing
- Municipalities & Townships
- Professional Services
- Real Estate & Development
- Media & Technology
- Transportation & Logistics
Our Capabilities
- Worker's Compensation
- Automobile
- Property
- Inland Marine
- Cyber Liability
- Public Officials Liability
- Pollution Liability
- General Liability
- Risk Management
- Loss Control
- Claims Cost Containment
- Personal Lines
- Bonds
Our Expert Services Include:
Claim Advocacy
The lowest premium and best coverage mean nothing to a policyholder without superior claims resolution. Our Claims Service Department assists our clients throughout the claims submission process. As your partner, we´ll help you evaluate any disputed payment and work with you to achieve a prompt and equitable settlement.
Claims Analysis & Review
Controlling the frequency and severity of claims begins with an overall analysis of your claims history, identifying opportunities to mitigate losses. Further, we identify outstanding claim reserve activity and work with carriers to expedite the resolution of those issues.
Customized Client Portal
With both time and resources at a precious premium, it´s become increasingly time intensive to manage and stay informed on various developments and trends within your company that affect your insurance costs. Our groundbreaking technology directly responds to this challenge.
This online tool acts as a springboard from which you can better gather and organize information, managing the everyday tasks that revolve around risk management.
This tool is as flexible and unique as each client partner.
Disaster Recovery Guidance
Our tools help to identify the key areas in your business that need to operate and help build a response that will help minimize an interruption of your operations. Together, with a well designed insurance program, these actions will minimize your downtime and help you maximize the stability of your market share.
Employer Safety Audits
Our Risk Control Consultants help identify potentials for loss within your workforce. Through a comprehensive analysis and site evaluation, we quantify potential areas that could lead to a serious injury - and we recommend how to mitigate that risk.
Experience Modification Forecasting & Analysis
By a thorough evaluation of your experience modification, we help identify the key factors that are affecting your Workers´ Compensation losses. We have the ability to identify dollar loss goals to help you achieve the best mod value available.
OSHA Program & Site Evaluations
Our Risk Control Consultants can provide a thorough evaluation of your written OSHA programs and conduct OSHA focused site evaluations to identify potential deficiencies that may result in unwanted citations. We can also assist with program and compliance improvement initiatives.
OSHA Regulatory Compliance Assistance
OSHA´s regulations are constantly changing as are the interpretations Compliance Officers utilize during inspections. We can help you understand these complex regulations and can provide you with assistance in developing programs and activities that meet OSHA requirements.
OSHA Reporting Capabilities
By streamlining the reporting process, our client partners are able to remain informed about the current loss activity within their company, while maintaining their OSHA reporting compliance across multiple locations. Custom reports generated through our Client Portal give on-demand detail surrounding the root causes of those losses, enabling our Risk Control Department to craft meaningful safety programs that distribute relevant risk management recommendations that respond to workforce characteristics at that time.
Risk Management Action Plans
Through the exposure identification process, we help craft risk-averse strategies to both periodic and daily functions within your organization. These plans are seamlessly integrated into operations being mindful of each client´s risk profile and tolerance levels.
Safety Committee Training
An effective Safety Committee brings employees and employers together in a non-adversarial setting, and is vital to addressing the needs and concerns that affect a workforce on a daily basis. Our Risk Control Department provides the guidance needed to meet Labor & Industry´s standards for a Pennsylvania Safety Committee credit.
Often times through these meetings, special project work is identified to help our partners better understand the risks posed by activities that are conducted within the partner´s organization.
Safety Program Review & Development
Safety Policies evolve as new technology and work flow systems are put in place to meet today´s complex business challenges. Our Risk Control Department helps to review current Safety Programs and their implementations, and recommends updates to these programs where appropriate.
Surety Bonding
The right bonding company can supply your organization with a competitive edge, and provide the higher limits you need to get the job done.
With our surety experts and A-rated carriers, our bond capabilities can help ease the complexity of the bonding process. We offer many types of commercial and construction bonds that fill the unique needs of each client.
Our offering includes, but is not limited to:
- Auto Dealer Bonds
- Bid Bonds
- Contractor License Bonds
- Mortgage Broker Bonds
- Payment Bonds
- Performance Bonds
- Title Agency Bonds
- Subdivision Bonds
Contact one of our representatives for more information about how we can help with your surety bond needs.
Give us a call today at 717-591-8280 or contact us here.
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