Commercial Insurance

We protect your most valuable assets and wealth through personal insurance products and risk management services.

Commercial Insurance

The Cost of Risk can be one of the largest expenses for any business or organization. Unfortunately, most brokers do not proactively work with their clients to build a risk profile that not only delivers great results for the company, but also enables our team to negotiate the best insurance terms and conditions.

The Cavignac Risk Management Process, called the TotalRISK Approach™, is designed to lower your Cost of Risk and drive dollars to your bottom line.

This trademarked process follows 4 steps and is an iterative process that works to continually improve the companies risk management practices.

We review and identify your exposures to loss along with your existing insurance program structure.

Through a series of consultations and inspections, we will help identify and agree on the best techniques that will reduce the frequency and severity of risks.
See: Risk Control

The areas we focus on are:

  • Human Resources
  • Safety
  • Claims Management
  • Contractual Risk Transfer
  • Financial Risk Management

We evaluate Risk Finance/Insurance options. This enables us to place coverage with the right insurance company at the lowest realistic cost.

We continue to refine our strategies and stay on top of changes in your company so that we can proactively manage your Total Cost of Risk.

Insurance Products

An insurance program only brings value when it’s been designed to fit your organization. Below are a list of the types of coverages we negotiate and procure for our clients:

Alternative Risk & Captives

Automobile Liability

Business Owner Policies


Cyber/Privacy Liability

Directors & Officers Liability

Employment Practices Liability

Earthquake Insurance

Environmental Liability/Pollution

Excess & Umbrella

Flood Coverage

Fiduciary Liability

General Liability


Key Person Life Insurance

Kidnap & Ransom

Parametric Insurance

Product Recall

Professional Liability/Errors & Omissions


Reps & Warranties

Trade Credit/Accounts Receivable

Workers’ Compensation

Other Customized Insurance Solutions

Need a partner you can trust to protect your business?