If your organization is complex enough to have its share of insurance and/or risk management problems, but maybe not large enough to employ a risk manager, perhaps our fee for services professionals might be the solution!
Instead of the usual agent process where a commission is paid for the delivery of specific insurance products (policies), your situation may call for value-added professional advice that will compliment your current relationship with the present agent/broker or the direct writer insurance company providing the basic insurance needs. An example of specific areas of risk management service include, but not limited to, the following:
• Risk/Exposure Identification & Analysis
• Agent/Broker Screening & Selection
• Preparation of Insurance Requirements & Bid Specifications
• Alternative Risk/Contractual Transfer Method Selection & Monitoring
• Insurance Contract Coverage/Restriction Negotiations
• Captive & Self-Insurance Alternative Investigation
• Loss Control Selection & Monitoring
• Claims Service Reports & Analysis
As more and more states legislate insurance deregulation, these new laws also require the organization purchasing free-form insurance products to utilize the services of either a risk manager or a qualified Insurance Consultant. Associated Insurance Service has been in the insurance consultant business long before these new laws have come into being! Services may be provided on either a per project fee for service, or on an hourly basis. Let us demonstrate our capabilities as your Insurance Consultant with an initial consultation free of charge!
Technology
At AIS, we specialize in providing insurance solutions for the Information Technology Industry, and have done so for more than 40 years.
By working closely with Venture Capitalists and specialized Legal and Accounting firms we have developed industry specific programs for Internet Service Providers, Software Designers-Manufacturers, Computer Systems Integration Services, Web Hosting Services and a myriad of additional Tech related manufacturing, distributing, consulting and other technology driven entities.
Our program provides competitive pricing schemes for your Property, Liability, Intellectual Property and Errors and Omissions coverages, all on one easy to read policy form. We also offer a full array of Workers Compensation, Commercial Automobile, Employment Practices Liability Insurance, Umbrella/Excess and other important ancillary coverage's, such as Directors & Officers Liability Coverage, which is a must if you or your entity is considering raising Public Funds.
Truckers
Our Track record in providing the necessary insurance protection for the High Tech industry is unsurpassed.
With the constant change in the trucking industry, Associated Insurance Service has the experience, and the market influence, to negotiate the best possible rate for its clients, involved in the transportation business.
AIS is committed to providing risk management analysis as well as prompt and efficient claims service to all trucking entities. Our firm has programs ranging from, but not limited to, large fleets, owner operators, local and long haul trucking, sand & gravel operations and hazardous material haulers.
Truck Application
Commercial Truckers Insurance Program
Alternative Risk
AIS has thorough and comprehensive expertise in the alternative risk market including captives, elements of
self insurance, large deductibles, and self insured retentions.
One or more organizations can establish a captive to insure risk. Different types of captives include:
• Open market captives that write unrelated business
• Agency captives where an agency or broker reinsures a portion of their client’s risks
• Single parent captive which reinsures related risks only
• Group or association captive owned by the group or association and insures the risks of the group or
• association only
• Segregated account companies or protected cell companies which provide legal separation of assets and
• liabilities of separate programs