Commercial Insurance Lines

Effective strategies to deal with risk are crucial for business success. But "Risk Management" is often a misunderstood concept. The best strategies go beyond mitigation to the effective transfer of risk, as opposed to simply managing or assuming it.  This principle extends to every aspect of plan design, from provider selection through administration.

 At FMIG, we begin by identifying and quantifying loss exposures through meticulous study and analysis of your operation. Once risks are identified, our experts work with you to develop programs to eliminate, reduce and control them. These methods can include exposure avoidance, segregation of exposures, loss reduction or contractual transfer for the captive-insured. Options for financing and, if possible, transferring risk are also pinpointed.

 Once a risk management program is put into place, we monitor it throughout the plan year to ensure it is achieving corporate objectives. Working as your trusted advisor we are always by your side, helping you to reduce loss exposures while transforming potential obstacles into options for growth.

  • Property
  • Liability
  • Auto
  • Worker's compensation
  • Excess umbrella
  • Crime
  • Specialty
  • Life, disability, annuities

For more information on commercial lines of insurance, please call First Merchants Insurance Group at 765.213.3400.