Alternative risk programs are just that – they are used as substitutes for traditional risk transfer products and services. Whether you are interested in self-insurance, large deductible plans, captive insurance or retrospectively rated plans, INSURICA tailors a program to your specific needs.

Think you know all of the important facts about the person you are planning to hire?  Do you feel comfortable that your employees only engage in activities that will benefit your business?  Are you sure there are no skeletons in the closet? All too often, business owners fail to obtain accurate background information when hiring an employee.

At INSURICA, we define claims management a little differently. We view our role as “a partner in your company’s profitability.” By thoroughly understanding the complex intricacies of your business, our industry-specific claims experts are able to uncover often overlooked risks and opportunities that have a direct impact on reducing and controlling your claims costs.

Risk is everywhere. And with it comes the potential for financial loss, which can devastate a company’s bottom line. That is why loss control has become one of the most important elements of your insurance program. And it’s also why understanding your specific business needs is paramount to protecting your company.