BUSINESS INSURANCE

Colburn Group identifies the coverage and service needs of our clients and compares them to insurance companies and programs best able to meet them on the basis of the broadest terms, conditions, limits and pricing. This information allows us to better negotiate with underwriters and identify opportunities for risk control and claims management.

We take advantage of the markets and programs specializing in insurance that respond to the diversity of exposures and the specific coverages needed by our clients. Our staff researches carriers and specialty markets to determine the providers who can most effectively deliver the required coverage and services to meet and exceed the established requirements. We customize insurance programs by:

• Establishing coverage and service needs and desires
• Analyzing appetite for risk
• Analyzing loss transfer thresholds
• Enhancing coverages based on loss transfer thresholds and premium size
• Identifying exposures and researching coverage needs, comparing them to what is already in place.

The successful marketing of an insurance program depends on more than a thorough analysis of coverage needs and the assembly of the submission. A professional and complete presentation to the underwriters is an essential ingredient required to get the best terms and conditions possible. Not only is this presentation critical for the initial placement of coverage, but it will also provide continued underwriter responsiveness as future issues arise. In addition, it encourages flexibility and long-term availability of coverage as insurance markets and market conditions fluctuate.

We believe that our approach to marketing creates confidence in your mind that our aggressive advocacy to underwriting is based upon a thorough analysis of your exposures and needs.

Varied approaches to insurance programs

• Conventional Insurance Program
• Large Deductible Program
• Self-Insurance
• Captive or Rent-A-Captive

PRODUCTS WE OFFER

• Property
• Liability
• Crime
• Automobile
• Umbrella/Excess Liability
• Bonds
• Workers' Compensation
• E-Commerce
• Directors & Officers Liability
• Employment Practices Liability
• Professional / E&O Liability
• Pollution Liability
• International Risk

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