The Underwriters Group is one of the largest insurance agencies in the country, which allows us to provide a broad spectrum of insurance products, services and expertise to our clients. No matter the industry, we are capable of designing comprehensive insurance solutions that can help your business grow.
Beginning with a thorough review and analysis of your needs and objectives, we will work together with you to determine the best insurance companies to suit your business.
We carefully review a wide range of available rates and coverages to help assure you have a complete understanding of all your available options and are partnered with the best long-term business solution. Once we finalize an insurance plan that meets your needs, The Underwriters Group remains a constant resource to help you make appropriate changes in your insurance coverage that reflect your evolving business needs.
Regardless of the nature of your business, almost all business computer systems contain sensitive data. Storing this sensitive data can make you vulnerable to cyber-attacks. Not only can a cyber breach put your business at risk by opening the door to identity theft and other financial crimes, it can also create serious legal liability if customer data is compromised.
If customer data stored on your business computers is stolen in a cyber-attack, you can be held legally liable for any consequential damage they incur. In light of the recent uptick in high-profile cyber thefts perpetrated in the U.S., more businesses are investing in cyber liability coverage to help mitigate their cyber risk.
The Underwriters Group offers a full line of Finance and Insurance (F&I) products and training for auto dealers.
Car and truck dealers have unique risks. The Underwriters Group understands these risks, and we offer products and insights to help our franchised auto and truck dealer customers identify and protect against potential business disruptions. Our research and years of experience have led us to offer a full suite of products to help auto dealerships flourish.
Our Employee Dispute Resolution (EDR) services allow your employees to voice their concerns to a third party, helping ensure a prompt response from management and a streamlined resolution process that reduces time, stress and costs.
An employment-related lawsuit can take upwards of five years in the court system, but our EDR services can achieve a satisfactory resolution in a fraction of that time. We help your business protect its brand, save time and costs, minimize stress and avoid lengthy court battles, mediations or class action lawsuits. And, we help maintain a harmonious work environment both during and after the resolution process.
If you’re an employer with a considerable number of employees and reasonable turnover, alternative dispute resolution can provide an early warning system and help protect your employees, managers and brand image. No matter your industry, we have the expertise and experience to manage the employment disputes you may face.
The Underwriters Group’s employee benefits department is a team of licensed life and health agents, account managers, marketing specialists and service representatives.
We combine innovative talent with over 100 years of experience to provide the highest quality of services to our customers. Our staff regularly pursues continuing education opportunities while keeping abreast of current industry trends. Our continual research in the industry affords us the ability to provide timely communication to our customers of the most up-to-date standards.
We work with a large variety of carriers to offer our clients a diverse offering of the following products:
Group insurance and employee benefits can be one of the most complicated—and costly—parts of running a business, but they don’t have to be. You deserve customized solutions and personalized service that make insurance easier and more efficient.
We’re here to make your life easier.
Excess Workers’ Comp Wholesale
In the placement of your excess coverage, our mission is to provide your company with a quality and comprehensive program at the lowest possible premium. We accomplish this mission by:
Excess Insurance Coverage Overview
Excess coverage is needed for either catastrophic or an abnormally large number of claims in a given contract period. Below is a quick overview of the types of coverages available.
Aggregate Coverage
This is frequency coverage. With aggregate coverage, you can cap the losses you are responsible for during a given policy period. Once your losses have exceeded a predetermined Loss Fund, the contract will reimburse you up to the policy limit.
Specific Coverage
This is essentially severity coverage. A single bad accident can often result in a claim much larger than you are, for risk management purposes, prepared to pay. With specific coverage, you can set a specific retention (SIR) above which the excess policy will reimburse you up to your policy limit.
Specific and Aggregate Coverage
Combining the above two coverages under one contract provides both severity and frequency coverage.
Health can be both personal and financial, so our relationships with reputable national insurance carriers help you get the employee benefits you need and the cost control remedies you want. We can help clients to secure coverage in the following areas:
We offer Third Party Administrator (TPA) claims management services, helping to make the claims process easier so you can focus on the core of your business. These services include:
Unlike some brokers who only come around at renewal, our team will stand by your side from day two through day 365, working tirelessly year-round to help you get the most out of your coverage. We call these Day Two Services®. From risk management and claims advocacy to benefit plan services and administration, our trusted professionals turn your uncertainties into possibilities.
We even provide an annual service timeline so you know what to expect and when to expect it. Your Day Two Services® encompass everything you need to manage your risks, limit your liability, administer your plans and control your costs.