Midsize & Growing Businesses

Insurance Solutions for Midsize & Growing Businesses

Integro helps midsize and growing businesses expand with confidence by designing personalized strategies that cover your risk, address your insurance needs and help you plan for future disruptions to your operations.

Developed out of decades of experience, our commercial insurance, property and casualty, employee benefits and personal client service solutions, relationships and expertise empower midsize and growing businesses to operate and explore opportunities with confidence.

We monitor and track exposure changes, provide extensive access to the insurance marketplace, and act as claims advocates while offering continuous updates of changes and trends within the insurance industry. We make every effort to maximize the efficiency of our clients’ insurance programs and reduce their indirect claim costs.

Explore Our Services for Midsize and Growing Businesses

Your risk is tied to the industries and locales in which you do business. Integro understands that and addresses it by personally delivering customized insurance solutions. Explore our solutions now.

Integro is unique in its approach to risk management. From a dedicated claims management team to a safety and compliance division, our goal is to provide best in class Risk Management solutions from policy inception through claim payment.

Our greatest resource is our team of Risk Management associates.

  • We tailor our solutions to meet the specific needs of our clients
  • We collaborate to achieve maximum results
  • We pride ourselves on teamwork
  • We are innovative and solution oriented
  • We maintain strong relationships with our insurance markets
  • We strive to create and maintain a safety culture
  • We de-mystify the insurance process for our clients

Integro recognizes the importance of good claim practices, prompt responses and clear communication when your home, business or personal possessions have been damaged. Our experienced claims professionals can assist you in making sure the insurance company understands all aspects of your loss and resolves your claim quickly. We leverage our expertise and knowledge of the marketplace to achieve the best possible results. We are your advocate and we are always here when you need us.

Our Services Include:

  • Dedicated claims management team
  • Claim consultation, management, and resolution
  • Maximizing carrier service for claim and loss control services
  • Coordinating claim reviews and use of designated adjusters
  • Managing clients’ “claim portfolios” to maximize their claim services and contain loss exposures

With increasing regulations comes the need for a safety and compliance partner with expertise and experience. At Integro, we believe that safety is both your responsibility and the culture you develop within your company. Integro provides clients with multiple resources to assist in both compliance and safety. With access to strong human resources, labor counsel and industry specific trainers and engineers, we work with our clients to enhance or develop their safety culture. We provide current information on legislative changes that affect your business. We strive to better position our clients to prevent and reduce injuries and accidents in cost effective ways.

Integro offers a hands-on, personal approach to placing property coverage. We work closely with our clients to determine the total amount of exposure, valuation of those exposures and that suitable coverage is in place. We work with clients to develop property programs that make the most of a variety of alternative choices including the use of deductibles & self-insurance for reduced costs or a layered program for optimum coverage. We recommend new coverages and explain how they fit your needs. We look for gaps and attempt to fill them, but more importantly, make you aware of them and the business ramification should a loss occur.

From securing emergency resources to receipt of the final loss payment, our dedicated claims department insures that our clients have a partner throughout the claims process. Our expertise and strong partnerships enable us to provide the products and services to our clients that include:

  • Buildings
  • Business Personal Property
  • Business Income
  • Builders Risk
  • Earthquake, Earthquake Sprinkler Leakage
  • Flood
  • Inland Marine/Equipment
  • Transit and Cargo, Inland and Ocean

General Liability

When it comes to managing risk, General Liability Protection can be seen as a company’s first line of defense against most common claims. Integro provides thorough analysis of our clients’ overall risk position, forecasting future losses to determine proper retention and deductible levels before placing the appropriate coverage.

Management Liability

Integro provides Management Liability solutions to mitigate our client’s risks and manage their exposures enabling them to move their business forward. These insurance contracts must be structured to protect the organization, its employees and the personal assets of its executives.

Some of the coverages we place for our clients include:

  • Directors & Officers Liability
    • Coverage for losses that may result from alleged errors in judgment, breach of duty and wrongful acts. Forms are very important and vary between carriers.
  • Employment Practices
    • Coverage for financial consequences associated with a variety of lawsuits from employees as well as Third Parties.
  • Fiduciary Liability
    • Protects the benefit plan, the sponsor organization and individuals acting as fiduciaries or administrators of the benefit plan.
  • Cyber and Internet Liability
    • Protection for data breaches that can have enormous financial consequences to companies.

Integro Insurance Brokers provides state-of-the-art risk management programs for the hospitality industry. We have a client list of businesses throughout the country. We know the insurance concerns of entrepreneurs, whether the hospitality site is established or a new venture.

Preopening Support

Integro Insurance Brokers' hospitality industry specialists understand construction and pre-opening liability protection. By reviewing AIA agreements and general contractor's Certificates of Insurance, we can assist in identifying potential gaps of coverage during the construction phase.

Long-term Service and Support

When you open your doors, we assist with the transition to operational risk management. In addition to optimizing your insurance specifications and terms, we will:

  • Ensure best practices with ongoing inspections that identify unsafe procedures or conditions that could lead to claims.
  • Monitor claims activity to identify trends.
  • Track hospitality legislative issues and insurance developments that could impact your business, from pricing and claims issues to safety and training requirements.

Preventive Programs

Integro Insurance Brokers understands the impact of safety on daily operations. Our loss prevention experts will assist you in developing effective pre-employment systems that will reduce the number of claims. This service includes Injury & Illness Prevention, Employee Handbooks, Sexual Harassment Prevention Training, claims reporting procedures, first-aid claims management, and the use of Medical Provider Networks.

When your reputation sits on the shelf of every grocery store, you don't want problems with your inventory. Whether you're a food manufacturer, processor, packer, or distributor, you need to proactively reduce your risk.

Integro Insurance Brokers understands the risks in your industry. Our food experts have decades of experience, providing prevention-centered risk management.

Our service team will:

  • Consult with your company on hot-button topics like vendor agreements, spoilage, and product liability.
  • Retain legal counsel to review complex policy forms, endorsements, contracts, indemnity agreements, and claims issues.
  • Manage certification through our cutting-edge online system.
  • Consult with your human resource team to help develop and monitor HR programs.

Preventive Programs

Because prevention is so critical to managing costs in the food industry, we conduct ongoing safety program assessments. We review your Injury and Illness Prevention Program (IIPP) and help implement OSHA compliant safety programs, including training programs and field safety meetings.

Our comprehensive approach is designed to prevent claims. Prevention means lower direct and indirect costs. Prevention means protection-of your assets and your reputation.

Workers Compensation Insurance is the single biggest cost driver for many companies’ property and casualty programs. Integro takes a proactive approach to actively recommend cost effective ways to control expenses through safety engineering and claims services. Due to the increase in premiums and experience modifications, our broad market access and technical expertise are increasingly important.

A few of the reasons why Workers Compensation is one of our greatest strengths include:

  • Management solutions that mitigate your risk and manage your exposures
  • Thorough reviews of your experience modification worksheets to ensure accuracy
  • Dedicated, experienced claims department
  • Marketing and professional presentation of your company to insurance carriers
  • Deductible plans and retro plans when appropriate
  • Health and Welfare Plan Integration Strategies

Let’s start a conversation

Tell us what you’re looking for. One of our experienced team members will reach out with coverage options and answers.