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Most medium-sized and smaller companies protect themselves against their property and liability exposures by purchasing Commercial insurance, while large corporations and government agencies prefer to use some type of alternative risk financing. However, businesses of any size can employ this tool to enjoy such benefits as improved cash flow and a lower total cost of risk. Insurers have developed a number of colorful terms for alternative risk financing techniques. These methods include: Excess insurance Reinsurance Guaranteed cost Retrospective rating Large deductible Self-insurance Captive insurance Using alternative risk financing requires management discipline and a willingness to commit resources. Size isn't that important. The main criterion is losses. As a rule of thumb, alternative risk financing makes sense for a business whose claims have these characteristics: (1) Reasonable predictability; (2) moderate volatility; (3) minimal exposure to a catastrophic event; and (4) high frequency and low severity. For example, a large hotel or bank would probably experience a number of small Workers Compensation claims, but few large claims. Casualty insurance products (such as Workers Comp, General Liability, and Auto Liability) are the best candidates for alternative risk financing. Because Comp and Liability claims tend to be paid over one to five years or more, insurance companies that write these policies generate substantial investment income on their premium reserves until losses are paid fully. By using alternative risk financing, your company can invest your funds elsewhere, rather than paying premiums. Our specialists would be happy to review your business and see if alternative risk financing make sense for you.

...aptive usually costs the least to finance, but can be expensive to administer....

Contractors Faulty Workmanship Coverage† is a unique endorsement offered in our Victory® Admitted Contractor General Liability program. It provides a $10,000 limit for as low as $30 to protect your clients against claims arising out of faulty workmanship, materials or products. These claims would otherwise be excluded by exclusions, J (Damage To Property), K (Damage To Your Product) and L (Damage To Your Work), found in other contractor general liability policies. Obtain coverage for such claims by placing your clients in our Victory® Admitted program.

BTIS (Builders & Tradesmen’s Insurance Services, Inc.) exists to help small business! Offering a wide array of products, headlined by our Victory Admitted Small Artisan General Liability Contractor Insurance program, we are growing rapidly. We can’t wait for you to join us!

We're making it easier than ever for you to provide superior value and security to your contractors. Newly available financing makes our best policy with great options even more accessible.

We're making it easier than ever for you to provide superior value and security to your contractors. Newly available financing makes our best policy with great options even more accessible.

With 30 years of experience and commitment to the real estate industry, AIC delivers extensive expertise, capacity and streamlined underwriting for apartment owners and managers. AIC writes business within its own programs, creates new programs, accesses other programs and makes placement within the open market when it is advantageous to the insured.

With 30 years of experience and commitment to the real estate industry, AIC delivers extensive expertise, capacity and streamlined underwriting for apartment owners and managers. AIC writes business within its own programs, creates new programs, accesses other programs and makes placement within the open market when it is advantageous to the insured.

With 30 years of experience and commitment to the real estate industry, AIC delivers extensive expertise, capacity and streamlined underwriting for apartment owners and managers. AIC writes business within its own programs, creates new programs, accesses other programs and makes placement within the open market when it is advantageous to the insured.