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.
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.
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.
AuditRate™
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.
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.
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.
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%.
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.
International
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.
THOUGHT LEADERSHIP
Insights
Property and Casualty
Workers’ Compensation: Stable market with emerging challenges from mental health claims
Despite pressure from medical inflation, increases in fee schedules on medical procedures and wage inflation affecting premiums and benefits, Workers’ Compensation remains a stable and profitable line for insurers. This stability allows buyers favorable conditions, such as ample capacity and stable rates. However, a new trend is emerging: the inclusion of mental health claims as compensable workers’ compensation.
August 28, 2024
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Property and Casualty
Relief from the high cost of wind/hail insurance
Commercial real estate (CRE) owners must ensure they are adequately covered, but many face high wind/hail deductibles when renewing their Property Insurance policies. This is where Wind/Hail Deductible Buyback insurance policies come in, providing a solution that meets lender requirements and offers peace of mind during turbulent times.
August 22, 2024
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Diverging Outlook on Manufacturing Insurance
The manufacturing industry continues to face a complex insurance landscape in 2024, with some areas showing signs of stability while others remain more challenging.
August 7, 2024
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Employee Wellbeing Fair: A Day Dedicated to a Healthier Future You
You and your employees are welcome to join us for the virtual fair, a series of eight online sessions that will take place from 11 a.m.-4 p.m. ET on Thursday, September 26. With session topics including metabolism, sleep, “sandwich generation” challenges, social media, menopause, foot health and nutrition, the program offers something for everyone.
July 30, 2024
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