Because one size just doesn’t fit all.

With Allied’s insurance services, you’ll get more than a cost-effective policy, you’ll get a customized risk-management solution, based on your business goals -- and developed by some of the most experienced professionals in construction insurance today.

Our sophisticated approach to risk management enables us to provide you with innovative ways of sharing and transferring risk. Team-based and comprehensive, this approach includes:

	Risk identification and analysis
	Program design, implementation and monitoring
	Administrative coordination and communication
	Safety/loss prevention services
	Claims management

The result: a comprehensive insurance program based on our best thinking, with coverages from top-ranked carriers that best match your needs – and your project budget. Available coverages include:

	Commercial property and casualty
	Excess lines/umbrella insurance
	Automobile liability insurance
	Workers’ compensation insurance
	Life and Health
	Professional liability insurance
	Environmental insurance
	Personal lines

Every day, we put our expertise in risk management – including sophisticated risk transfer mechanisms such as domestic and offshore captives – to work for more than 1,000 construction industry clients. And we can do the same for you. To find out how, contact us.

Workers’ compensation claims account for a significant portion of casualty risk – and a majority of casualty costs – industry wide, so keeping these costs in check can go a long way in keeping your business financially strong. Allied’s team of workers’ compensation specialists is here to help, with:

	A comprehensive approach that can help construction firms – big and small – cut costs, increase efficiencies and improve productivity:
	Two workers’ compensation safety groups – the Construction Industry Council of Westchester and Hudson Valley and the American Subcontractors Association of New York State, Inc. With guaranteed costs based on your payroll – as well as the potential for upfront discounts and year-end dividends – joining one of these groups can be a cost-effective, efficient way for small- and mid-sized firms to meet state mandates, while saving time and money.
	Loss-sensitive programs to meet risk management objectives of larger firms. From program set up and carrier selection to claims management, Allied’s experience in workers’ compensation can help larger construction firms reduce their total cost of risk through competitive premiums as well as proactive loss control strategies.

So whether you’re a small contractor or major construction firm that employs hundreds, count on Allied for a strategic approach to workers’ compensation that’s right for your employees – and your budget. Contact us to find out more.

Life & Health Insurance

In today’s competitive environment, life and health insurance benefits can help you attract – and retain – quality employees. But with rising insurance costs, the challenge is offering these benefits while also keeping your business financially healthy. Allied can not only help you meet this challenge, but succeed in spite of them.

Your local Allied life and health insurance specialist knows the construction industry – and your market place – and can help you create a package of benefits that enables you to compete effectively within your budget. No cookie-cutter solution. No reliance on one or two products. Just a customized plan that enables you to maximize benefits while containing costs.

We’re a completely independent brokerage with solid, long-standing relationships with all the top-rated life and health carriers, so you get the right product, from the right carrier.

So for a life and health program with benefits for your employees – and your business – contact us.