Alternative Risk Programs
When traditional insurance is not the best option, the M&T Insurance Agency team can work with you to build a customized program and help you proactively manage risk.
Finding it difficult to obtain insurance? Our team can help.
M&T Insurance Agency, Inc. offers a combination of products, services and experience to help you obtain insurance solutions to manage your costs and risk.
Range of Options
We provide the following alternative risk options:
- Group insurance
- Risk retention options
- Retrospective rated
- Large deductible
- Self-insured retentions
While each case is different, the benefits that these products can offer include:
- Long-term stability and control
- Potential cost savings
- Improved coverage and limits
- Enhanced claims management and loss control
- Cash flow advantages
- Direct access to the reinsurance market
Our complimentary Alternative Risk Due Diligence Review process involves three important stages:
- Needs assessment. Conduct a review of your current coverage, risks and goals to determine the types of insurance coverage that are most appropriate for your company's needs
- Program design. Leverage our relationships with a variety of insurance companies to help you identify the best combination of coverage and cost
- Recommendation. Present our findings to you and make recommendations for your insurance program
Once your program is in place, M&T Insurance Agency remains actively involved with you to help you manage all of your coverage and administrative needs.