Services and Solutions

Protect the wellbeing, reputation and integrity of your business

Truly safeguarding your business means going beyond standard insurance coverage to implement strategies and solutions that properly assess and address your risk. Alera Group works closely with you to effectively mitigate your risks, control your costs and protect your bottom line, so you can concentrate on doing what you do best — growing your business.

Your partner in proactive risk management 

Alera Group’s extensive experience, industry-specific knowledge and global network allow you to assess and address your unique business risks.


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Actuarial services

Our actuarial team examines your unique circumstances, analyzes current market conditions and anticipates future developments. Our goal is to minimize your total insurance spend while directing more money to the coverage your business needs the most. 

Alera Group Coverage GPS

Gain control over your insurance program and simplify the renewal process with Alera Group Coverage GPS. This unique, one-page snapshot of your current insurance program allows you to easily identify your in-force insurance coverage as well as identify coverage gaps and areas for improvement.

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Alternative risk solutions

Unique or complex risks are often difficult to place with traditional insurance. Alera Group can customize contracts, structures and solutions provided by insurance and reinsurance companies to help you finance or transfer that risk in a non-traditional way.


More than 40% of all insurance policies are based on incorrect classification codes, often leading to larger-than-necessary premium payments. Our AuditRate™ team has the knowledge and expertise to help you uncover (and recover) premium overpayments.

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Benchmarking and data analytics

Knowledge is power. That is what you get with Alera Group’s benchmarking and data analytics. With our proprietary insights into industry-specific data, you can take your enterprise risk management to the next level with smarter strategic planning and informed decision-making.

Captive feasibility studies

The use of captives — a form of self-insurance for businesses — has increased significantly over the past two decades. Alera Group can help you determine whether a captive solution is the right fit for you.

Captive management

Captives often start out simple, with common coverages, but can expand into a funding mechanism for an organization’s other lines of insurance. Alera Group can help you ensure that your captive solution continues to be the right fit for you as your company grows and evolves.

Claims advocacy and management

Low premiums and great coverage don’t mean much without superior claims resolution. Our experienced claims staff ensure that your claim is resolved quickly and fairly, protecting your customers and your bottom line.

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Environmental exposure evaluation

When it comes to environmental exposures, your business needs comprehensive insurance coverage to protect not only your bottom line but also your brand and reputation. Our team has over 25 years of experience assessing environmental exposures and finding insurance carriers to take on the risk. 

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Experience Modifier review

Your Experience Modifier serves as a Workers’ Compensation report card for your business, which can significantly impact your premiums, and ultimately your ability to win business. Alera Group helps you understand and manage your Experience Modifier to protect your profits and reduce your Workers’ Compensation costs by as much as 30%.

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Healthcare Professional Liability

Alera Group’s Healthcare Liability team is a collaborative group of physicians, attorneys, and insurance professionals with deep expertise in the insurance needs of healthcare practices. Their medical and legal backgrounds, coupled with their insurance capabilities and market leverage, provide a unique ability to understand, identify and address the liability risks and exposures facing the healthcare industry.

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Alera Group is a member of the largest international network of independent insurance brokers, with over 706 broker members in 140 countries. Whether you already have an international footprint or have plans to expand globally, Alera Group’s global network gives you access to the highest-quality risk and insurance solutions.

Merger and acquisition (M&A) due diligence

A merger or acquisition is one of the most daunting tasks a company can go through. From pre-acquisition assessment to successful implementation, our experienced M&A professionals will be there to help you navigate every step of the way.

Loss control

Proper risk management and loss control can improve market conditions in your favor. Alera Group’s loss-control specialists work with you to identify, assess and understand the risks that impact your business, and implement solutions to reduce the likelihood of catastrophic claims. 

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Property and Casualty

Litigation Necessitating a Layered Approach to Professional Liability Insurance

Professionals face heightened exposure due to increased litigation, much of it fueled by third-party financing and resulting in so-called nuclear verdicts. The increase in both frequency and severity of losses underscores the importance of securing comprehensive Professional Liability Insurance with sufficient limits, a solution that may require one or more excess layers on top of the underlying coverage.

May 21, 2024

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Property and Casualty

Perfect Storm Hitting Personal Lines of Insurance

A convergence of disruptive forces is hitting the market for personal lines of insurance in 2024, making it extremely challenging for insurers to provide coverage personal property and casualty (P&C) coverage, particularly Home and Auto Insurance.

May 14, 2024

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Property and Casualty

Affordable Housing Providers Hardest-Hit in Insurance Market for Nonprofits

Adding to significant challenges including labor shortages and reduced funding, nonprofit organizations are experiencing increasing difficulty in securing adequate property and casualty insurance. Premiums are increasing, deductibles are escalating, and the number of carriers willing to engage with nonprofits continues to shrink. These challenges underscore the importance of partnering with an experienced insurance broker who specializes in serving nonprofit organizations.

May 7, 2024

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Property and Casualty

Navigating the Medical Malpractice Insurance Cycle

The rising trend of high-profile medical malpractice cases with significant monetary awards underscores the need for physicians and others in the medical industry to protect themselves with Medical Malpractice Liability Insurance.

April 23, 2024

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