What We Do
We are a niche focused independent insurance agency. This means we can access multiple industry leading insurance carrier options to provide you recommendations and the best insurance solution for you.
Distinction Risk Solutions is proud to partner with property and casualty insurers who are highly rated by AM Best and committed to and proven in providing:
product expertise specific to the types of businesses and personal clients we work with enabling us to provide you with the coverages you need to effectively protect your assets and financial well-being,
associated risk support and mitigation services,
market competitive and industry relevant insurance premiums.
We are also proud to have relationships with a few high quality wholesale agencies and specialty focused managing general agencies to assist us further when our direct network of insurance carrier partners are not able to provide the solutions we are looking for on your behalf. With partnerships like these, combined with our insurance expertise, Distinction Risk is here to guide you in securing the coverage you need for your individual situation and your distinct business operations.
COMMERCIAL INSURANCE SOLUTIONS
Developed with specific segments in mind, aligning relevant coverages from top-rated carriers, robust services from our insurance partners and Distinction Risk to ensure you have the right insurance in place at the appropriate price for you.
As an insurance client of Distinction Risk Solutions you'll have access to services designed to improve the assessment and rating of your overall risk profile and by doing so may have the opportunity to improve the coverages available to you and the prices you pay for those coverages.
We partner with industry specialist carriers while having access to 100+ insurance markets if/when necessary to expand our options for you.
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INSURABLE RISK ANALYSIS & MITIGATION CONSULTING
While our preference is to partner with you to understand your business and risks to develop insurance solutions and place coverage with strong insurance carriers D.R.S. represents; if you are simply looking for a second professional opinion concerning your insurance policies and associated coverage we can assist you there as well.
Coverage gap analysis - current P&C policy coverage scope vs. potential business risks and obligations
Coverage comparison analysis - Current policies vs. newly offered policies
Workers Compensation experience modification factor analysis - claim driver analysis , risk classification impact
Insurance program structure recommendation and cost review - deductibles, limits and structure, rate movements compared to your loss history, business practices and industry environment