At Creative Risk Management, Inc, we specialize in providing midsize businesses with a full range of options to meet their commercial insurance needs. We focus on partnering, providing solutions, examining and minimizing risk, and maximizing profit for our clients, including setting them up and managing their participation in “Alternative Risk Transfer” options such as Risk Retention Groups, Risk Purchasing Groups, cell captives as well as more traditional Self-Insured Plans and captives. We help businesses mitigate their risk so they can focus on optimizing their business, to the point that we can even become your full-fledged out-sourced Risk Management Department. We network with the big guys and bring their cutting-edge innovations and solutions to our midsize clients. Our clients are always in control, but we strive to bring them every available solution, and to make sure our clients are taken care of well beyond the sale of any policy.
An Independent Advantage
We are Independent Agents in Nyack, New York, free to choose the best carrier for your insurance needs. We do not work for an insurance company; we work for you. We work on your side when you have a loss and follow through to see that you get fair, prompt payment and service. Creative Risk Management, Inc represents a carefully selected group of financially strong, reputable insurance companies. Therefore, we are able to offer you the best coverage at the most competitive price.
What is an Independent Insurance Agent?
When you decide to buy a car, you wouldn't purchase the first one you see. What if one day the automobile industry decided to make only one type of car, one make and one model. You wouldn't have a choice!
The same situation holds true for insurance. You need insurance to drive a car, to purchase a house, to protect your family's financial future and to run a small business. But if there was only one insurance company that offered only one type of insurance, you wouldn't have a choice. The only solution would be going to that one company.
With an independent insurance agent, you have choices. Independent agents are not tied to any one insurance company. One of the advantages of using an independent agent is that he or she works to satisfy your needs. You are using an expert for an important financial decision.
An independent agent has several companies that he or she can approach to get you the best coverage at the best price. And your independent agent will know the companies with the most efficient claims departments to recover your losses as quickly as possible.
When you buy insurance, you want an advocate who will properly assess the risks you face and give you an objective analysis of the marketplace, because it's up to you to make the final choice.