Property & Casualty
Property and Casualty Insurance costs are one of the most expensive budget items for most businesses today. Agents are a dime a dozen all believing they can get you the “lowest price”. However, the lowest price is not necessarily the right price. An uncovered loss can destroy a company. TBM believes your Insurance and Risk Management program should be evaluated in three distinct areas; Design of Coverage, Service and Price. The combination of these can be used to measure the real cost of your program.
We focus our efforts to help middle market customers that have complex enough exposures to need the benefits of a Risk Manager but are not necessarily of the size that they would have a full time risk manager on staff. We become an extension of our clients own staff and provide them with the risk management services that they need while placing the appropriate coverage’s to mitigate their risk to loss. In the end, we believe we provide our customers with the most efficient insurance program available by lowering their Total Cost of Risk.
Read what some of our client have said about our Property & Casualty services.