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Beyond Professional Liability

As firms grow, risks also grow beyond professional liability. DRA works to identify solutions to firms expanding exposures, and assist the firm in identifying new risks arising from emerging market trends.

The Following are examples of Solutions provided beyond Professional Liability Placements




Cyber Insurance Education on exposure points for Design Firms.
Gap analysis of current insurance program for Cyber & Data Breach coverage and a dedicated policy
Present program options to supplement a firms overall insurance program.



Executive Risk:

Employment Practices Liability

Directors & Officers

Fiduciary Liability & ESOP Coverage

Utilize insurance programs that provide legal hotlines, review employee handbooks, and suggest proper steps for a sexual harassment investigation.,

Assess other related factors for consideration when making daily employment decisions.
Because DRA is 100% Employee Owned (ESOP), we possess additional knowledge of the Executive Liability marketplace for ESOP firms.

ESOP


Captive Feasibility Educate large firms on the Captive Insurance Options.
Assess firm's potential financial benefits of a Captive Program.



Local International Coverage As a Worldwide Broker Network Member: We have unique access to local brokers for facilitation of localized placements where needed or required.
History & Experience with the Lloyd’s of London Marketplace.
Experience facilitating Fronting Arrangements, International Project Policies, Foreign Packages, and Business Travel Accident Policies.
WBN


Practice Policy, Specific Project and Client Excess Ability to efficiently provide premium ranges and lifecycle costs to meet increased professional liability limits
Identify options to comply with contractual requirements
Marketplace knowledge and understanding of who offers excess limits




Project Policies, OCIP’s, Wrap-Ups, Owners Protective Ability to arrange coverage for most project types
Educate clients on most cost effective option based on project vitals
Evaluate interrelationship with other policies to avoid coverage gaps and conflicts 




Mergers & Acquisitions Evaluate options for both buyers and sellers.
Assess insurance implications of asset or liability purchases.
Development of long-term plans for retirements and firm closings.



Industry Involvement


Active membership in professional associations to which our firms belong
Up to date analysis on emerging market trends affecting the Industry
Advocate of legislative and insurance issues on broader level




Client Portal
Secure 24/7 Access to:
Issue Certificates of Insurance
Account Information
Policy Documentation
Driver and Insurance Schedules
Carrier Risk Management Portals
Demos Available




Property & Casualty Exclusive dividend programs in the state of California
Policy audits to ensure appropriate limits and coverage are secured

Dedicated programs that address a Design Firms unique contractual requirements
Knowledge of marketplace for earthquake coverage



Workers Comp Mod Review Services Investigate Experience Modification Rating (EMR)
Monitor open claims to help get them resolved as quickly as possible
Assist in development risk control solutions and return to work program which may help to address your everyday exposure points to work related injuries



Employee Benefits
We tailor your benefits programs to meet your needs and budget.
Proactive renewal planning and communication ensure an attractive, sustainable package for your firm.
Dedicated benefits specialists will respond promptly to your questions and concerns.
Work diligently to keep you informed about state and federal legislation that affects your employee benefits program.

 

 
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Oakland, CA

Pasadena, CA

Santa Ana, CA
Phone800.545.3090 Emailinfo@insdra.com
Map of Dealey, Renton & Associates

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