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

Food Processing and Distribution: Steady Insurance Market in an Unsteady World

Despite the byzantine process that controls how food gets to your plate (or refrigerator or restaurant table), it may come as a surprise that the market for property and casualty (P&C) insurance covering the food processing and distribution industry is relatively stable today, considering where the market was just 12 to 24 months ago.

February 21, 2024

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Property and Casualty

Massive database of leaked records underscores need for Cyber Liability Insurance

The stunning discovery of a database including 26 billion leaked digital records came on the heels of a cybercrime surge in 2023, underscoring the need for organizations to protect themselves with Cyber Liability Insurance.

February 13, 2024

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Property and Casualty

Commercial Property Insurance: Navigating a Tough Market

While Property Insurance remains a tough market characterized by unfavorable rates, stringent underwriting and limited capacity, the good news is that organizations can adopt strategies to enhance their marketability.

January 30, 2024

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Property and Casualty

Tough Times Get Tougher for Commercial Auto Insurance

Myriad elements have combined to affect today’s Commercial Auto Insurance market, ranging from increasingly extreme weather to the number of cars on the roads. These factors have created one inevitable conclusion: Commercial Auto pricing will again increase by double digits in 2024.

January 24, 2024

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