Commercial Insurance

Commercial Insurance is Potter Risk Advisor’s specialty. Potter Risk Advisors works with businesses all over the nation to develop a sound risk management program for their business insurance needs. Your success is our success. That is why we place a large focus on learning our clients goals as it relates to their risk profile and overall company success. We structure a timeline unique to each individual company’s coverage early on in the relationship and pull their industry experts in the fields of litigation, claims management, loss control, business development and more to help create a strategic partnership that will propel a company’s profits and expand their brand. We take the time to educate our clients and keep them updated on developing trends in the industry.

We first began with a detailed review of your company’s current risk program. This includes reviewing your current policy, assessing your company’s current loss control program, past claims, and identified exposures. From this, we develop an initial report of our findings and recommendations with a long term approach to your program. Our goal is to help your company grow, and along with that have a solid risk program that will grow with you.

Potter Risk Advisors forms partnerships with each and every one of our businesses and help them reach their business development and bottom line goals. Our goal as your broker is to develop a trusting, personal and professional relationships that will continue for years to come. We have been fortunate to develop a strong client business of companies in a large variety of industries, allowing our clients to leverage these relationships into their own partnerships and network development.

Potter Risk Advisors specializes in a wide variety of industry related product package uniquely designed to fit your companies specific needs and exposures. These are, but not limited to:

• Construction Companies
• Architectural Firms
• Manufacturing Companies
• Hotel & Resorts
• Restaurants
• Spas/ Studio’s & Salons
• Garages and Body Shops
• Car Dealerships
• Medical Facilities
• Law Practices
• Landlord Business owners
• Retailer Chains
• Transportation Companies
• Homeowners Associations
• Community Organizations
• Non Profit Associations
• Technology Firms
• Staffing Companies
• Farm and Ranch

Potter Risk Advisors goes beyond just providing insurance coverage. We place a large focus on our clients and their business. Throughout the year, we take the time to learn about our clients industry, and work with them on business development strategies that will help them grow. We introduce our clients to leading experts in THEIR industry, and strategize with them throughout the year on goals that will help make them successful. Potter Risk Advisors has a great network of people, and business’s. It is our mission to find out ways our clients can gain from each other, and increase their own network of opportunities. We create true business partnerships with our clients. We understand that businesses have evolved not only to enhance risk management controls, but also as a business marketing tool. A key distinction is our ability to leverage off the relationships we have created with both owners and officers to better enhance the success of our clients business.

Throughout the year we will eliminate all our clients administrative burden associated with the risk management program. We also help your company review and development additional procedure that will help mitigate claims and enhance the protection of your company’s employees and its assets. Part of our Risk Management program that is developed with each of our commercial clients include:

1. ​Administrative Services that include carrier introductions and meetings, negotiation of rates, immediate certificate issuance and monitoring, laminating auto fleet cards, policy review and audit, premium financing capabilities, contract review, benchmarking of like industries risk programs and rates, monitor insurance rate trends, accounting, enrollment, reporting and billing issues, annual reports summary, monitor carrier financial rates, and more!
2. Claims Management: Potter Risk Advisors has a staff dedicated to construction claims specialists that have the knowledge and experience necessary to offer significant cost savings and properly serve as Global Solutions advocate. Our claim team’s support focus on timely claims reporting, coverage analysis & trends, claims oversights, litigation support, coordination of site claims, claims reviews and audits and more.
3. Loss Control: Site visits, development of safety manuals, OSHA compliance procedures and training, best practices, hazard assessment requirements, signage audits, program roles, safety workplace program implementation, site security, risk matrix to identify exposures
4. Other Services Include: Insurance law and contract law consulting, vendor review and compliance, human resources extension and procedures, payroll services, tax compliances as it relates to insurance, merchant servicing, and more.

The marketing process is one of the most important for a companies risk management program. It is the first part of the program that will dictate the type of coverage and rates a company will have for the next year. Potter Risk Advisors has created a marketing process that looks beyond just the next year, but will sustain for years to come, setting the client up for future savings, adjustments, and coverage enhancements.

Potter Risk Advisors believes that the key to effective marketing and program design of your business begins with understanding your goals. To do this, we must have complete knowledge of company and its needs, so we take the time to listen to your company’s requirements and respond with sound technical guidance. Potter Risk Advisors believes in providing our clients with a full market analysis, so that you can compare plan options and pricing. We also believe in shopping our commercial plans a minimum every two years to ensure our clients are receiving the best rates and coverage. The insurance industry is constantly changing, and it is imperative that our clients continue to get the most innovative products available to them. Only a select few insurance companies will provide this type of marketing, and we pride ourselves on being one of those.