Why Choose All Risks: Breadth of Coverage

Unique experience that All Risks has...

All Risks is effective in handling both smaller accounts that can fit into the unique programs we have in place, or large complex risks that need a more seasoned broker's experience to understand and negotiate effectively. Our company is segmented into four separate and distinct operating units, in which each unit has different areas of expertise. To further describe the differences between each unit, they are outlined as follows:

Brokerage Services

The Brokerage Units assist agents in the marketing and placement of larger, more elaborate accounts. Our senior brokers assist the agent in identifying exposures and navigating the brokerage marketplace to secure the most favorable terms and conditions available to the client. The majority of our Brokers have all served as Senior Underwriters in large account units of major carriers or Brokers at national wholesale or retail operations. This allows them to pre-underwrite risks on behalf of the marketplace and secure the most favorable terms available. They serve as an outsourcing of the marketing function for larger more sophisticated retail brokers. Our "core strength" areas include but not limit to General Liability (including Products Driven accounts and Construction), Property (Coastal and Habitational exposures), Professional (Medical Malpractice and Miscellaneous E&O), Commercial Auto (larger fleets and trucking risks), and all types of Excess & Umbrella business.

Contract Binding Authority

The Contract Binding Units quote, bind, issue policies, service policies, and handle billing functions for admitted and non-admitted carriers. All Risks represents under binding authorities the widest array of Specialty Carriers. Products offered generally consist of non-standard or specialty classes of business (representative risks would be special events, restaurants/ bars, hotels/ motels, contractors, vacant properties, truckers, etc.). This unit has binding authority for all lines of coverage including General Liability and Products Liability, Property, Commercial Automobile, Package, Workers' Compensation, Excess & Umbrella, Professional Liability, and Directors & Officers. We also offer quick quotes for small business risks through our web-based quoting tool or via phone.

Specialty Program Units

Program Units quote, bind, issue and service policies, monitor rate adequacy, and place reinsurance. All Risks develops and distributes proprietary products targeting specialty niches. Industry groups targeted include Security Guards, Alarm Companies, Fire Suppression/ Sprinkler Contractors, Government Service Contractors, Janitorial Contractors, Marine, Private Investigators, Public Livery, and Garage Risks. These products are competitive and exclusively available through All Risks.

Personal Lines

The Personal Lines Unit quotes, binds, issues and services policies, as well as handle billing functions for admitted and non-admitted carriers. All Risks offers a wide array of Personal Line Coverages in multiple coastal states. Products include but are not limited to Homeowners, including High Value; Dwelling Fire; Builders Risks/ Renovations and Vacant Dwellings. A web-based quoting tool and phone quoting are also available for Personal Lines.