Business Insurance

Coverage and risk management solutions for companies of all sizes.

Insurance Alone Is Never Enough

We go beyond insurance by identifying the potential risks that can impact your coverage. We’re not your typical agent going through the typical insurance buying process. Consider us your trusted risk advisor.

We deploy a five-step process that combines the art of risk management with insurance to help your company reduce, monitor and mitigate risk while securing superior coverage at a comparable rate.

At no cost to you, our risk advisors will identify and analyze your exposures, develop and implement strategies to reduce exposures, and monitor your risk management program as your company grows.

Together we’ll create a portfolio that provides you with the fullest protection based on your needs, while keeping your employees healthy, safe and productive in the workplace.

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We work with you to uncover, recognize and describe risks that might affect your business and employees. There are a number of techniques we deploy to identify our risks.
Once risks are identified we work together to determine the likelihood and consequence of each risk. You develop an understanding of the nature of the risk and its potential to affect your organization. You make decisions about whether the risk is acceptable or whether it is serious enough to warrant treatment.
We design and build custom risk management programs to control your risks. We bring custom solutions only available from Ottawa Kent.
This is where we implement the programs created to treat the highest ranked risks and set out a plan to treat or modify these risks to achieve acceptable risk levels.
This is the step where we review results and make adjustments to ensure maximum affect.

Proprietary Risk Management Audit

Our innovative process delves in to every facet of your business, how you operate, your goals, and what keeps you up at night. We go beyond insurance, providing you with insurance solutions plus strategies that help you leverage your risk.

The results speak for themselves; 9 out of 10 employers who try our audit end up working with us.

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Risk Management 365 Days of the Year

You may not be a Fortune 500 company, but we believe your risks should be managed and monitored just as if you were. We bring the knowledge, tools and strategies to keep your employees healthy and safe, and your business well protected.

Safety Program Review and Development

Development of Safety Performance Metrics

Loss Analysis and Trending

Supervisor and Employee Training

Regulatory Compliance Audits

Aggressive Claims Management

Employee Handbook Review

Issue & Conflict Resolution

Accident Investigation Assistance

Job Hazard Analysis Development

Worksite Safety Audits

Loss Control Resources

Access to Risk Management Center

Executive Protection

Job Description Development

Performance Appraisal Assistance

What Insurance Carriers Say

The comprehensive risk strategy employed through the Risk Management 365 Process embodies the concept of intimacy, intensity and integrity. The Risk Management audit greatly clarifies risk acceptance and pricing decisions by us, and allows more comfort and flexibility in program design.

Insurance UnderwriterMichigan Based Insurance Carrier

Ottawa Kent’s Risk Management 365 Process offers a more in depth understanding of an insured’s operations and exposures. It also enables me, as an insurance company underwriter, to gain comfort with the risk, and more of a willingness to accept the risk. It is a fantastic process.

Insurance UnderwriterNational Insurance Company

Business Owners Insurance (BOP)

General Liability Insurance

Business Auto Insurance

Commercial Property Insurance

Workers’ Compensation Insurance

Commercial Umbrella Insurance

Cyber Liability Insurance

Employment Practice Liability Insurance (EPLI)

Errors & Omissions Liability Insurance (E&O)

Directors & Officers Liability Insurance (D&O)

Flood Insurance

Crime Insurance

Builders Risk Insurance

Liquor Liability Insurance

Special Event Insurance

Surety Bonds

Ocean Marine Insurance

Inland Marine Insurance

Environmental Insurance

Systems Breakdown Insurance

Key Man Life Insurance

Fiduciary Liability Insurance

Captive Insurance Management

Each industry has its own set of unique risks and requires specialized insurance to protect what matters most. Our insurance advisors have in-depth knowledge and experience with a variety of industries, including those featured below.

Brewery Insurance

Church Insurance

Contractor Insurance

Condo Building Insurance

Dealership Insurance

Farm Insurance

Fitness Center Insurance

Fleet Insurance

Garage Repair Shop Insurance

Golf Course Insurance

International Business Insurance

Manufacturer Insurance

Medical Office Insurance

Non-Profit Insurance

Professional Services Insurance

Property Manager Insurance

Real Estate Investor Insurance

Restaurant Insurance

Retail Business Insurance

Technology Firm Insurance

Trucking Insurance

Wholesaler and Distributor Insurance

Our experienced benefits professionals take the time to understand your business. They bring bold thinking and industry expertise to help you stay on top of regulations and economic trends and focus on your first priority—recruiting and retaining the best employees.

Group Health Insurance

Group Dental Insurance

Group Vision Insurance

401(k)

Disability Insurance

Flexible Spending Account

Employee Assistance Plan

Group Voluntary Benefits

Life and Accidental Death and Dismemberment Insurance

Long-Term Care Insurance