When it comes to risk, we believe mitigation and risk transfer through insurance are keys to preserving a company’s balance sheet. The total cost for risk in business is measured by the sum of insurance premiums, covered and uncovered claims, and lost opportunities due to unforeseen circumstances. At Winters-Oliver, our goal is to partner with our small and medium-size business clients to uncover risk together, to work on protecting your assets, employees, and customers.
To achieve this goal, we use a consultative approach with clients; the process is designed to go deeper than the typical insurance conversation.
Ask the Right Questions
Learn About the Business or Organization
Exchange Information
Identify Risk
Review Contracts & Risk Transfer Controls
Policy Review
Gather Accurate Information
Verify the Information
Drive Competition in the Market
Present a Proposal that:
Matches the Risk
Is Client Focused
Communicates Risk-Mitigation Strategies
Complete policy-issuance tasks within the agreed timeframe.
Educate on all carrier loss control and safety resources
Consistently Measure & Review
Business Insurance
We can provide your business with the following:
- General Liability
- Directors & Officers
- Professional Liability/E&O
- Cyber Liability, Commercial Property
- Workers Compensation
- Commercial Auto
- Crime
- Employee Practices Liability
- Umbrella/Excess
- Fiduciary Liability
- Inland Marine
- Surety & Bonding
- Environmental
- Builder’s Risk
