When evaluating the price of insurance, it is a common mistake to simply look at the "bottom line".  Insurance professionals refer to price as the 'total cost of risk' or TCOR.  TCOR is the best measure of the actual cost of risk and a better risk management key performance indicator than premium costs. Premium cost + estimated cost of retained losses + risk management costs = total cost of insurable risk. This formula recognizes the full value of intertwined costs related to premiums, retained claims, and related expenses for safety & loss control programs.  This applies to family risk management as equally to growing business or mature businesses with well developed risk management and safety programs.

Feel free to use the button to schedule time with us to discuss anything you'd like concerning the pricing of your insurance policy and how we can help lower it.

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Personal Insurance

Auto Insurance

Home Insurance

Flood Insurance

Umbrella Insurance

Boat/RV Insurance

Commercial Insurance

Property Insurance

General Liability Insurance

Commercial Automobile Insurance

Umbrella Liability

Flood Insurance

Cyber Liability

Directors & Officers

Surety Bonds

Employee Benefits

For more information about our firm and the services we offer, send us a quick email, call our office, or schedule an appointment. We welcome the opportunity to speak with you.

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