Commercial Insurance

Risk Management Specialty Insurance Insurance Lines

AHM Financial Group is a leading provider of commercial insurance to businesses of all sizes. Through our industry-specific expertise, combined with leading customer service, we've developed a practice that reduces your risk and provides real value.

Industry Expertise Includes:

Construction

Our expertise and specialization in construction allows us to understand your business, your individual budgetary and time pressures, and helps to significantly reduce the total cost of your risk. AHM's clients include some of the largest general contractors in the region.

Real Estate

The dedicated AHM real estate team tackles complex risk management issues, resulting in an extremely high client retention rate -- exceeding 95%.

Healthcare

AHM's healthcare risk management professionals have the expertise to provide cost-effective solutions for the risks facing healthcare professionals and businesses. We also specialize in healthcare claims management, to ensure you get back to the business of practicing medicine and serving your patients.

Professional Services

Physicians, attorneys, architects, engineers and other professionals have specialized insurance requirements. In addition to commercial insurance such as general liability, property and casualty, AHM offers expertise in all types of professional liability.

Technology

Whether your technology company is an emerging company or a global enterprise with multiple locations worldwide, AHM can assist with your property and liability insurance, providing risk management solutions that can respond now and into the future.

Retail/ Wholesale

AHM's retail risk management team provides insurance brokerage services designed specifically for our individual retail clients. The AHM team has the experience to create a program to include safety consultations, contract reviews, claims management, experience modification analysis, loss control and safety programs, risk mitigation and control, as well as nationwide and global coverage.

Education

AHM's academic institutions team offers solutions specific to educational institutions, including K-12 private and public schools, as well as public and private Colleges and Universities. We design property and casualty risk management solutions specific to the needs of your educational institution.

Non-Profits

AHM has significant experience in non-profit insurance solutions, and our clients have found that we can generally reduce the total cost of risk. Along with a collaborative approach, we use this expertise to ensure that each program is tailored to address your individual situation.

Transportation

The AHM transportation risk management group provides full-service insurance brokerage services designed specifically for the needs of the transportation industry. Maintaining a strong presence in state, regional and national transportation associations, AHM specialists have the expertise to successfully manage the risk complexities faced by trucking companies, fleet owners, heavy haulers, warehouses, intermodal and other transportation segments.

Manufacturing

The AHM manufacturing risk management group provides insurance brokerage services designed specifically for the needs of the manufacturing industry. AHM specialists are experts in examining the entire spectrum of potential liabilities and finding risk transfer solutions for manufacturing processes and product areas.

Private Equity

The AHM mergers and acquisitions risk management practice provides full-service insurance brokerage services designed specifically for Private Equity, Leveraged Buyout, and Venture Capital firms. AHM M&A Risk Management specialists provide a single resource to assess, quantify, and insure the unique risks and exposures arising from mergers, acquisitions, and recapitalization.

Risk Management

INDUSTRY FOCUS

AHM professionals are segmented by a deep understanding of our industry segments, which allows us to become a partner in managing the day-to-day risks of your business. By understanding your business, your challenges, and your industry, AHM's industry professionals bring a thorough perspective to the discussion of risks and exposures that many other insurance brokers do not. In the construction industry, for example, we represent some of the largest general contractors in the industry, track industry trends, attend conferences, and are members of many construction industry associations. Because we are an active member of the construction business community, we have a deep understanding of our construction clients' businesses, which allows us to help them make better business decisions when it comes to risk management.

LOSS CONTROL

AHM loss prevention and loss control services can boost the bottom line for our client companies. AHM Financial Group offers single-source loss control and prevention expertise to help identify and eliminate problems that could result in costly claims and business interruptions. We measure our efficacy in terms of loss ratio reductions.

Our services include:

• Initial loss control surveys to identify and evaluate safety and health exposures
• Evaluation of current loss prevention/ safety programs
• Specific hazard evaluations
• Summaries of claims activities
• Visits to monitor progress in reducing or eliminating loss-producing exposures
• Loss control products and services tailored to your needs to enhance the safety culture

COMMERCIAL CLAIMS MANAGEMENT

AHM has a full-service claims department to quickly and efficiently assist you with property and casualty claims. Claims experts manage the submission and tracking of claims, acting as your advocate with the carrier.

Our services include:

• Monitoring large losses
• Performing claim audits
• Interpreting state laws and regulations

Specialty Insurance

Aviation

AHM has the expertise required to help you select the aviation insurance designed for your specific flying needs.

Foreign Exposure

AHM helps you understand and manage your global risks as your business grows within the international marketplace.

Product Recall

Product recall insurance provides protection for you in the event you must recall any of your products, and can include expenses and liability to third parties seeking damages because your recall could cause a loss of income or reputation damages.

Captive Insurance

Also called "reinsurance," captive insurance is provided by a company that is formed primarily to cover the assets and risks of its parent company. Captive insurance is essentially an "in house" insurance company with a limited purpose and is not available to the general public.

Green Insurance

Green insurance protects the owners of green commercial or residential buildings. In the case of a loss, the role of an AHM green insurance specialist is to oversee reconstruction back to original LEED certificate levels, making sure that buildings are operating at peak performance.

Owner Controlled Insurance Programs (OCIP)

OCIPs provide insurance for property owners where construction is taking place. Instead of individual contractors securing their own insurance for each project, the owner secures an OCIP that covers all construction and contractors on the project.

Contractor Controlled Insurance Program (CCIP)

Also known as a "wrap up" policy, AHM offers a CCIP, whereby all participants involved in a building project are covered by a single policy. The policy sponsor for this program is typically the general contractor for the project. The policy provides coverage for the project owner as well as contractors and subcontractors that are working on the job site.

Medical Malpractice

AHM's healthcare risk management group has the expertise to provide cost-effective solutions for the risks faced by healthcare professionals and businesses. We also specialize in healthcare claims management to ensure you get back to the business of practicing medicine and serving your patients.

Public Entities Sector

We provide one source for insurance and risk management solutions for municipalities and counties that minimize coverage gaps in the unfortunate event of a claim. Our products include general liability, auto liability and physical damage, public entity management liability, employment practices liability, law enforcement liability, property, equipment breakdown, inland marine, crime, umbrella, workers compensation and large deductible and self-insured retention programs.

Trade Credit

Trade credit insurance is a business insurance product that indemnifies you against losses from non-payment of a commercial trade debt. AHM offers trade credit insurance, whereby you can be assured that non-disputed accounts receivable will be paid by either the debtor or the trade credit insurer within the terms and conditions of your policy.

Insurance Lines

Property and Casualty

Commercial property insurance mitigates risk to your business, from a minor hiccup to a major financial loss. Whether you own your building, lease your workspace or work at home, we will protect the physical assets of your business.

Builders Risk

AHM's Builders Risk offers broad, flexible coverage options to meet the special insurance needs of even the largest construction project -- both residential and commercial.

Marine Insurance

Broad expertise in ocean and inland marine insurance enables AHM to service the insurance needs of businesses such as shipyards, tug & barge operations, vessel repair & maintenance companies, marinas or terminal operations, and individual vessels and fleets.

General Liability

General liability insurance protection provides coverage for claims made against an insured by a third paty. When an insured's actions (or inactions) cause a third party to experience a loss of some kind, the general liability responds.

Product Liability

Product liability insurance insulates your business from the financial impact of litigation arising from the use of your products. It transfers the legal risk associated with your products from you to your insurance company.

Vehicle Insurance

AHM has specific experience in the commercial vehicle industry, and can design a program that fits your business. We offer a special program for physical damage and non-truck liability.

Workers' Comp

Workers' compensation insurance covers you for an employee's injury on the job, and--for most businesses--is required by state law. In most cases, workers' compensation laws prohibit the employee from bringing a negligence lawsuit against an employer for work-related injuries.

Umbrella Policy

In the event your business suffers catastrophic losses, commercial umbrella liability acts to safeguard assets and the enterprise itself. If a claim is filed against your company that exceeds the limits of your existing liability insurance, your umbrella liability insurance policy works to mitigate the risk.

Surety/ Bonds

Whether your business needs to solidify its current bonding relationship, develop a long term bonding relationship, establish a bond line of credit or secure its first bond, AHM understands surety needs and your business needs. AHM will present your company's bonding needs to the top surety companies with competitive bond rates, flexible programs, and an ease of doing business.

D&O

Traditional D&O insurance covers financial liability claims against a company's officers and directors, including the CEO, chief financial officer, vice presidents and shareholder-elected directors. AHM has the experience needed to provide Directors’ and Officers’ Liability Insurance (for both public and private companies), as well as experienced claims personnel to ensure you are effectively represented.

Fiduciary Liability

AHM offers Fiduciary Liability insurance -- protecting the fiduciaries of employee benefit plans for sums they are legally obligated to pay as a result of actual or alleged "wrongful act" or breach of their fiduciary duties.

Employment Practices

AHM's employment practice policies cover a wide spectrum of employment-related claims, and offer loss prevention programs to help minimize the risk of those claims to both for-profit and non-profit organizations. We provide some of the most comprehensive employment practices and liability policies offered to small businesses.

Life Insurance

Key individual life insurance provides the financial means to stabilize a company during the adjustment period after the loss of a key employee, business owner, or executive. If your business would be dramatically impacted by the loss of one or more of your top people, life insurance can effectively protect against this risk.