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.

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.

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.