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CONSTRUCTION
A properly structured insurance program will help you achieve a number of key objectives, from increasing contract awards to improving workforce productivity to stabilizing financial performance and cash flow.
To achieve this, takes more than just a working knowledge of insurance, bonds and safety procedures to create an effective risk management program for a contractor's operations.
CIA understands your industry, your environment, and your problems; we can then apply our knowledge of insurance, surety and risk management to help you achieve specific goals and objectives.
Client Services
Our team manages insurance and risk management programs for a wide range of contractors. This includes but is not limited to:
Construction Risk Management Services
- Risk Analysis
- Financial Analysis
- Program Design & Marketing
- Surety Bond Placements
- Risk Control
- Environmental Risk Assessments
- Claims Advocacy Consulting
- International Risk Management
- Wrap-Up Programs
- Contract Management
Construction Insurance Coverages
- Workers' Compensation
- General Liability
- Automobile
- Umbrella
- Builders Risk
- Owners & Contractors
- Railroad Protective
Construction Surety Bonds
- Contract
- Financial Guarantee
- Release of Lien
- Appeal
- Attachment
Construction Referral Network
- Legal
- Accounting
- Contract Review
- Dispute Avoidance
- Mitigation
- Construction Claim Representation
- Emergency Response
- Incident Management
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FINANCIAL INSTITUTIONS
With Expertise in trading companies as well as private exchanges, CIA can provide creative insurance programs to address the complex needs of this industry
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FOOD SERVICE
Restaurants and food service organizations face a series of risks that can adversely impact your company's performance. An increasing number of the upscale restaurants and food processors are turning to CIA's insurance and risk management specialists for assistance in this critical area.
Our activities in the Food Service & Restaurant field encompass every aspect of insurance and risk management:
- Managing a Changing Insurance Market
- Program Design, Brokering & Account Administration
- Oversight of Claims & Loss Control Providers and Service Protocols
- Business Continuity Resulting from Catastrophic Events such as Food Borne Illness
Our specialists help business owners mitigate the many issues unique to the restaurant and food service industry:
- Slip & Falls
- Back Injuries
- Business interruption
- Grease Spills
- Food Poisoning
- Employee Theft
- Acts of Crime
- Alcohol Consumption
- Sidewalk Cracks
- Law Suits
- Hurricanes & Floods
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HEALTHCARE
Among the primary concerns of health care providers today are Professional Liability and Liability exposures affecting directors and executive level staff. CIA specializes in these complex coverages including;
- Medical Professional Liability
- Hospitals
- Physician Groups
- Home Healthcare Clinics
- Nursing Home Facilities
From our previous experience brokering professional liability coverage, we know the insurance companies who provide this specialized coverage and how they respond to the needs of the various segments of the healthcare industry.
In addition, we handle all other lines of insurance for the healthcare industry, including:
- Property & Business Interruption
- Boiler & Machinery
- Public/General Liability
- Workers Compensation
- Automobile
As in medicine, future solutions emerge from past experience. Our programs are built on a close analysis of your exposures and loss history. We strive to avoid both gaps and overlaps in coverage when integrating all the various types of insurance coverages in your program.
Our professional team continually monitors the insurance marketplace. Staying abreast of the marketplace, pricing, and underwriting trends enable us to select the insurance and risk financing mechanisms.
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LAW FIRMS
Our law firm consulting practice provides our clients with integrated solutions that address every business consideration, involving people, assets and investments.
CIA also consults with law firms on retirement programs, communications issues, and mergers and acquisitions. CIA also advises law firm clients with professional liability insurance coverages, directors and officers, errors and omissions, and property and casualty/risk management issues
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LIFE SCIENCES
For more than 30 years, CIA, in conjunction with Halland, has provided some of the largest pharmaceutical companies with comprehensive coverage to meet their complex insurance requirements
(for further information on this division click here)
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MANUFACTURING
We realize that providing you with the right insurance begins with understanding your business. When you work with Corporate Insurance Advisors you can trust that you are working with insurance experts who recognize the unique liabilities associated with the manufacturing industry. We offer specialized insurance programs for a broad range of manufacturers.
In addition if your business utilizes integral equipment, transports products, or has overseas operations, we have coverage options available to address these exposures.
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MUNICIPALITIES
When it comes to insurance and risk management, municipal entities are concerned with financial strength, breadth of coverage, scope of broker services and the ability of insurers and brokers to deliver as promised. CIA and Halland, with extensive experience, have served as the insurance and risk management advisors to these types of clients.
Our technical skills encompass the entire spectrum of risk management but we place special emphasis on the following public entity-oriented coverage's:
- All Lines Aggregate Programs (ALA / Basket Aggregate)
- Guaranteed Cost
- Property (primary & excess)
- Boiler & Machinery (primary & excess)
- Casualty coverages including Public Officials, Employment Related Practices (primary & excess)
- Excess Workers Compensation
- Alternative Risk Transfer Products (ART)
- Loss Portfolio Transfers
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MARINE
CIA's Marine division is recognized, for its knowledge and risk management professionals in the marine field today.
Our objective is to provide clients with world-class brokerage and consulting services in this highly specialized area of risk management.
Our expertise includes Cargo, Inland Transit, Stock Throughput, Motor Truck Cargo Legal Liabilities, Delay in Start-Up, Hull/Protection & Indemnity, Marine Liabilities, Marine Bumbershoots and Trade/Political Risk
Insurance Program Design
Development of insurance policy specifications specifically designed to address the unique needs of each client.
Insurance Program Audit
Review of existing policies to determine adequacy of coverage and limits, appropriate deductible and retention levels, significant coverage restrictions, existence of warranties, concurrence of coverage, duplications or gaps in coverage, suitability of forms, insurer financial stability and service capability.
Trade Credit Insurance
Approved broker for Trade Credit Insurance. TCI protects accounts receivables for commercial and political risks, and minimizes the risks involved in foreign sales
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PRIVATE EQUITY
Every buyout transaction requires the right combination of professionals to ensure success.
In addition to accountants and lawyers, adding the right risk management and insurance advisor to the working group provides the equity fund critical information for evaluating the valuation and merits of a potential deal.
CIA provides equity investors with a unique resource for risk management and insurance services. Our objective is to help protect the fund by identifying insurance related issues which will significantly increase the value of a transaction.
Areas of expertise encompass all facets of property and casualty insurance, employee benefits, business continuity planning, pension plan management and actuarial services.
CIA Private provides services designed to:
- Due Diligence
During the due diligence phase of a transaction, CIA reviews all aspects of the potential portfolio company's insurance and employee benefit program.
Our team will evaluate the current program, identify exposure to loss, estimate future loss liabilities, and evaluate uninsured and underinsured loss potential.
- Design Implementation
Prior to the transaction closing, CIA works with the equity fund and the target company to design and implement a new insurance program consistent with the equity funds pre-determined risk objectives.
Our Private Equity Risk & Insurance Practice is experienced in structuring integrated portfolio company insurance programs, using volume purchasing power of the equity group to achieve lower insurance cost, consistent carrier service and enhanced coverage for all of the individual portfolio companies.
- Post Acquisition Management
CIA has dedicated post-acquisition teams that service the on-going needs of existing portfolio companies. While each portfolio company is treated as an individual client, we are primarily representatives of the equity fund and will work with management to develop long-term risk management goals and objectives that coincide with the equity funds objectives.
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REAL ESTATE
Whether your requirements are for commercial property or habitational, CIA's team has in-depth experience with both large and small risks including shopping centers, strip malls, condominiums, co-ops to name a few
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RETAIL
Have you ever considered the possibility of being robbed, suffering damage as a result of weather or being subject to an employee liability claim? CIA has the experience and the market relationships to tailor retail insurance programs to your specific needs.
Our programs are designed for
- Property
- Business Interruption
- Theft and Money
- Glass
- Products liability
- Machinery, Pressure Equipment and Goods in Cold Chambers
- Computer systems and electronic equipment
- General property
- Employee benefits and liability
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RESORTS
CIA's associates have extensive knowledge of the Hotel and Resort industry. Our associates are recognized nationally and have been engaged as expert witnesses in matters such as risk management, risk mitigation and estimation of business loss income in the event of a claim.
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RESTAURANTS
Restaurants and food service organizations face a series of risks that can adversly impact your company's performance. An increasing number of the upscale restaurants and food processors are turning to CIA's insurance and risk management specialists for assistance in this critical area.
Our activities in the Food Service & Restaurant field encompass every aspect of insurance and risk management:
- Managing a Changing Insurance Market
- Program Design, Brokering & Account Administration
- Oversight of Claims & Loss Control Providers and Service Protocols
- Business Continuity Resulting from Catastrophic Events such as Food Borne Illness
Our specialists help business owners mitigate the many issues unique to the restaurant and food service industry:
- Slip & Falls
- Back Injuries
- Business interruption
- Grease Spills
- Food Poisoning
- Employee Theft
- Acts of Crime
- Alcohol Consumption
- Sidewalk Cracks
- Law Suits
- Hurricanes & Floods
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SOCIAL SERVICES
CIA's Social Services team specializes in designing property & casualty insurance programs for non-profit groups and associations.
We have served extensively as the risk management advisor for various non-profit associations. Our ability to design and manage successful risk management programs is one of our core strengths.
Our ability to understand the unique needs and challenges of a non-profit organization allows us to design a comprehensive insurance program specifically for the organization. We understand "non-profit" does not mean "non revenue." Because many of us also serve on non-profit boards, we understand who your shareholders are: your staff, your volunteers, and the individuals you serve.
Associations such as yours may soon be faced with not only price increases, but also reduced coverages. Now is the time to take advantage of the combined insurance buying power of your association for better coverages, rates and services.
From internet-based applications to specialized coverages, we can address the insurance-related issues affecting your group
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TECHNOLOGY
With leading edge knowledge of the Technology sector, CIA is well positioned to understand and address the intricate needs of the industry that is prone to many types of risks which include but are not limited to business interruptions, viruses, hackers and penetration of fire wall protection to name a few
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