Wholesale Distribution
Our experts are knowledgeable in all phases of insuring businesses that import, export and distribute product throughout our global world. We represent tier-one insurance carriers that cater to the distribution, logistics and wholesale business segments.
The wholesale and distributor business is very competitive, and because every dollar counts, it is imperative that proper insurance is in place to respond to losses that can result from an industry that is always on the move, transporting product all over the world. There are numerous factors that can cause devastating losses. Let our specialists evaluate your current practices and insurance portfolio for adequate coverage. We can determine the exposures and hazards your business faces and establish an integrated Risk Management insurance plan to protect your facilities, your clients’ goods, and your fleet.
Wherever in the world your property may be, we have the best solutions to provide you the peace of mind that comes from knowing that what matters most to your business is properly protected.
Manufacturing
Manufacturers face numerous hazards and risks associated with the manufacturing of products, regardless of the materials they are made of or their ultimate use. We have the experts who understand the process, can manage the risk associated with language in contracts, the costs associated with interruption to your vital supply chain, and even the risk of piracy of your intellectual property. Conrey Insurance Brokers partners with Tier One providers who have the solutions to safeguard your business, your livelihood and your reputation. Consider allowing one of our experts to evaluate your areas of vulnerability and offer integrated insurance/Risk Management advice that will protect your business.
We have solutions for property, casualty, intellectual property, product recall, stock throughput, ocean cargo, inland marine, transportation, and workers compensation for the manufacturer. Let us show you why the manufacturing sector is the largest clientele we serve.
Contractors
Have you considered the fact that being licensed and bonded isn’t enough?
Licensed is a familiar term, but what is bonded? Bonds protect consumers from unfulfilled contractual promises of a licensed contractor, but if a bond company makes a payment to a third party on your behalf, they will hound you until they are reimbursed. You will not be able to secure a new bond until you do – bringing your business to a complete halt. Without this bond your license is useless. And we haven’t even gotten to the insurance needs of contractors.
Contractors need to carry Liability Insurance that meets the expectations of their clientele. Depending upon how it is written into the contract, the verbiage that can significantly add to the cost of insurance, and render the pricing uncompetitive. At Conrey Insurance Brokers we partner with our contractor clients – well before the job begins – to provide expert insurance strategies that result in highly competitive quotes, profitability, and reduced expense.
A growing challenge for every contractor is Workers Compensation Insurance – its cost continues to rise as a percentage of revenue. However, through hiring, management, and safety processes, contractors can influence the safety culture within their operation. In these cases, the broker and contractor can negotiate with the underwriter to establish a more favorable rate. Lower insurance cost translates into more competitive bids, and higher profits. We aren’t just about getting you the lowest price. We work with you to assure you that your profits are on the rise. That’s how we differentiate ourselves from the typical.
Did you know that nine out of ten contractors do not have proper insurance for their property?
Tools and materials are at job sites, get lifted and are subsequently sold. Then there’s the question of whose loss is it? Is it the customer’s or the contractor’s – or maybe even a subcontractor’s? Builders’ Risk is a policy that protects property and spent labor in the course of construction. With this protection, we can get you right back to work rather than in depositions or bankruptcy court.
Professional Services
Who advises the advisors? We do! When your business requires special education, licensing, and is based on the advice you give – such as that of business consultants, those in the medical arts, lawyers and other legal professionals, architects and engineers, and accountants, you have special exposures that require protection beyond the typical business. We are here to help navigate the risks and hazards of the professional, our portfolio of solutions run the gamut from the typical general liability to specialty liability coverage for media liability, intellectual property, and professional liability. We know your focus is your clientele, let us focus on properly protecting your practice, firm or operation – we bring the same professionalism to the table you do, only the beneficiary is you and your business.
Mom & Pop
Some things haven’t changed much. People still flock to this country with dreams of success swirling in their heads. Children have entrepreneurial dreams and aspirations of business ownership and success – we get that. Perhaps you started peddling lemonade at the street corner of your neighborhood and now you own the local restaurant or tavern?
We recognize that business, both large and small, had a start; that moment when it was visualized and then much effort was put in to plant the “visional seed” and grow it to its place today. No matter where you are in your journey, we are going to make sure that you are surrounded by coverage that protects you and yours, otherwise that dream can become your worst nightmare.
Our promise of rest-assured confidence, from knowing what matters most to you is properly protected, is the cornerstone of our “why” or purpose. Let’s sit down and learn your history, determine your game plan, and put an insurance strategy together that honors both. We have the professionals, the carrier relationships, and market access to assure your proper protection – and we do this all within budget and without compromise.
Insurance for the Technology Sector
Technology is such an integral part of everything today. If your business is anchored in the technology industry, whether cyber, electronic or biological, you deserve to work with insurance professionals that understand your business. Do you find yourself having to explain what you do, in order to get your broker to understand what you are looking for, with respect to coverage? If they don’t understand your business and its processes, how can they properly protect you?
Whether you develop applications, are an application service provider, create software platforms, integrate hardware and software, manufacture or distribute electronic components, devices, or instruments, or develop websites and or cyber-space services – you need the protection of insurance just like any other business. Here’s the problem and the disconnect – technology risks are not insured like other businesses; the forms, the underwriting, the definitions and conditions of the typical policy, leave the technology firm underinsured and coverage might not meet the need at the time of a loss. If your present coverage isn’t proper, don’t you want to know this PRIOR to a loss?
Technology risks are ever-evolving, most insurance brokers lack the sophistication, knowledge, and market access to provide proper protection, let alone advice on best practice and Risk Management. At Conrey Insurance Brokers and Risk Managers – you get all of that and it’s delivered by a professional who deeply cares about your success and livelihood.
Commercial Real Estate
Look at every structure in America, someone, somewhere, owns it. Landlords and commercial building and property owners have found an effective way to let their assets generate passive income. Although most that are commercial property owners have come a long way, they can still be vulnerable. A fire, earthquake or other loss can suddenly interrupt the rental revenue; this could place any real estate owner in a deep, dark financial hole; especially if that real estate is leveraged, as most is. What are you going to do to stay afloat financially? Have a plan? Need one?
The coverage and Risk Management experts at Conrey Insurance Brokers and Risk Managers know all about the specialized coverage that will keep you financially afloat should a loss arise that renders your building, or a portion, not tenantable. We find that many building owners’ coverage, as written by our “competitors,” lack adequate protection for the cost of true replacement, inclusive of architectural fees, building permit fees, demolition and damaged property removal and disposal – all of these potential losses must be part of coverage consideration.
If you own commercial real property, and would like a fresh pair of eyes to review your risk and current coverage, consider letting the experts at Conrey Insurance Brokers evaluate your present protection and make sure you are properly protected. This is what we do, and you’d be surprised at how many times the result of such a review is to learn, before a loss thank goodness, that the coverage the owner was relying upon fell far short of what would be necessary. Don’t be the victim of underinsurance.
